vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
Called numerous numbers, wanted me to confirm my address and personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 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: CA

Complaint narrative:
I am trying to apply for mortgage payment assistance with Rocket Mortgage, specifically a repayment plan that would allow me to postpone three months of mortgage payments and repay the missed amount over the next 36 months in addition to my regular monthly payment. Rocket Mortgage told me that this repayment plan must be set up by phone. I am XXXX and attempted to complete the phone process multiple times using XXXX, a captioning/text-to-speech app. However, the process has not been accessible. I need time to read, type, and send my responses through the app, but the representatives did not allow enough time for this communication delay, and the calls ended before I could complete the application. I also contacted Rocket Mortgages Account Resolution team by email to explain the issue and request a disability-related reasonable accommodation. I am willing to complete the required financial review and provide any necessary information. The problem is that Rocket Mortgages phone-only process is preventing me from completing the repayment plan application as a XXXX borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am requesting a goodwill adjustment regarding the late payment history being reported on my account. The loan has since been paid in full, and I have satisfied my financial obligation entirely. I respectfully ask that you consider removing the late payment reporting from my credit history as a courtesy. The negative marks no longer reflect my current financial standing or responsibility, especially now that the account has been fully resolved. I would sincerely appreciate your consideration in helping me improve my credit profile moving forward. Thank you for your time and review of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a formal complaint against JPMorgan Chase Bank for violating Federal Regulation E in connection with a series of unauthorized electronic fund transfers made from my Chase checking account. I am a victim of identity theft. A fraudster used my stolen account and routing number to make four unauthorized ACH withdrawals to a merchant listed as XXXX, each for {$210.00}, on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>, totaling {$840.00}. I did not authorize these transactions, I did not have any account or loan with XXXX, and I had no access to the fraudulent profile used to initiate these transfers. When I discovered the identity theft, I immediately notified Chase and disputed all four transactions on XX/XX/year>. Chase initially issued provisional credits for three of the payments but later reversed them and denied my claim, asserting that my 60day reporting window began on XX/XX/year>, when the first periodic statement was issued. This interpretation is incorrect and inconsistent with Regulation E. First, the XX/XX/XXXX unauthorized transfer occurred only eight days before I reported it. It falls entirely within the 60day window of the current statement cycle, and Chase can not legally deny reimbursement for a brandnew unauthorized transfer reported promptly. Second, these transfers were executed using only my stolen account number, not any access device issued to me. Under 12 CFR 1005.6 ( a ), when unauthorized transfers occur through accountnumber fraud rather than a card, PIN, or access device, the consumers liability is XXXX. Third, XXXX has confirmed that no account, loan, or transaction exists under my identity. Because the merchant can not identify me as the customer, the transfers are per se unauthorized under Regulation E. I had no contractual relationship with XXXX, no visibility into the fraudulent account, and no ability to stop or cancel the recurring debits. Chases denial ignores this critical fact. Chases investigation was neither reasonable nor compliant with 12 CFR 1005.11. The bank reversed provisional credits without addressing the core evidence : the merchant denies the account exists, the transactions were initiated using stolen account information, and at least one of the transfers was indisputably reported within the required timeframe. Chases position improperly shifts liability onto me despite clear regulatory protections for identitytheft victims and accountnumber fraud cases. I am requesting that Chases compliance management team manually review this file, reverse the reversals, restore the full {$840.00} to my account, and provide written confirmation that the matter has been resolved in accordance with Regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 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: BARCLAYS BANK DELAWARE
State: NH

Complaint narrative:
I was called by a " debt collector '' ( caller id showed experian as caller ) law office of attorney XXXX XXXX.WSithoit my knowledge or without my permission, over {$7000.00} was taken from my barclays JET BLUE credit card.on XX/XX/XXXX. I reached out to company upon realizing what had happened, I found out by viewing my statement. Barclays had no specific answers.talked to several people, transferred to different Departments and extensions. Waited for a follow up. there was none. After a month I called back .this same scenario went on for months, company ( had no previous knowledge of my complaint ) The reps at barclays i spoke with had no knowledge of a case or case number even. approx 6 months went by before i was officially assigned a case number. I received a letter 45 /60 days or so after i was assigned case # .This was at least 7 months after complaint was made. during this time I had inquired on the progress .I again was told i had no case pending. Multiple calls and transfers to correct dept (? ), i could not get answers.30/45 days later i get a letter, we are looking into this, and will let you know soon is basically the message in the correspondence. Finally i get a letter saying that the fraud is being ruled sas fraud and i should see an adjustment that could take up to 2 business cycles. when 3 months passed i call again ( over 40 hrs of phone calls ) they said wait one more month.no changes in statement, then I call and am told case had been closed! had to reopen, I did so.almost a year later i submitted another complaint /claim. received a phone call to write a letter to the presidents office.I did so. again another 30 = days i get a call from alleged presidents office letting me know my request had been denied. no real explanation, i asked for investigation results, what they had found etc, and was told there was no investigation .they didnt have to look further because it was " keyed in " and furthermore they do not compensate fraud .I then contacted presidents office, no call back .then i recieved a call in XXXX XXXX ( XXXX now ) from someone in presidents office letting me no they are not going any further and that initial decision is final.Also mduring tis time a variety of charges made by XXXX XXXX such as spokeo several times were investigated as fraud and removed from my account balance.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC
State: NY

Complaint narrative:
My brothers commissary account has been place on restriction for over a month due system failure related to a commissary transaction. On XX/XX/year>, I placed a commissary order on my mothers account in the amount of {$300.00} with my debit card. However, the transaction status remained listed as Unknown for two days, and XXXX was unable to access or use the commissary funds despite the money being withdrawn from my bank account. Because the funds were taken but the service was never provided, I filed a dispute with my bank on XX/XX/year>. I was subsequently refunded {$300.00} on XX/XX/year>. Throughout this entire process, the transaction status on my mother 's JPay account has continued to remain Unknown. My brother never received the disputed {$300.00}, yet his account was restricted as a result of this unresolved transaction. My mother and I have made countless calls attempting to resolve this matter and have repeatedly been told that we must repay the {$300.00}. Additionally, we requested to speak with a supervisor on multiple occasions and was repeatedly informed that no supervisor was available. We were advised each time that a supervisor callback request would be submitted within 2448 hours ; however, we have still not received any return call regarding this matter. This situation is unfair and unjust to my brother as he is unable to receive funds for the items he needs. It makes no sense to require repayment for funds that were never credited to or received by him in the first place. Essentially, we are being asked to repay money for services that were never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/year> I received a charge on my cc for {$29.00} at XXXXXXXX XXXX and XXXX at XXXX and XXXX at XXXX. I spent a day looking into the purchases and dont recall making them and every purchase I have had on that cc has arrived so I dont understand where this has come from so I disputed the charges and on XX/XX/XXXX I was informed that it was denied. Upon speaking to a supervisor in customer service the supervisor laughed at me and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My representative pay passed away and my Social Security benefit was sent back back in XXXX. There was a payment that was sent to the bank that shouldve been returned to the treasury department and has not been. Returned

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding a denied debit card fraud claim involving unauthorized transactions totaling {$1200.00}. A series of fraudulent charges were made to my debit card, including multiple food purchases and online transactions that I did not authorize. During this time, I had my physical debit card in my possession at all times, and I did not give permission to any individual to use my card or account. I reported the unauthorized transactions within approximately 5 to 6 days of the charges occurring. I clearly stated multiple times that I did not authorize any of these transactions and that they are not consistent with my normal spending activity. Additionally, it appears that my card information was added to a device without my knowledge or consent. I did not authorize my card to be linked to any device, and if such an action occurred, it was itself unauthorized and part of the fraudulent activity. Wells Fargo denied my claim, stating that at least one of the transactions was made through a device where my card was linked, and they therefore considered it authorized. However, this conclusion is flawed. The presence of my card information on a device does not prove that I authorized the transactions, especially when I have explicitly stated that I did not add my card to any device and did not approve any charges. I requested that the claim be reopened and reinvestigated under Regulation XXXX, as these are unauthorized electronic fund transfers. Wells Fargo refused to reopen the investigation and maintained their denial without providing sufficient evidence that I personally authorized these transactions. I am requesting that this matter be reviewed, that Wells Fargo be required to comply with Regulation XXXX, and that my funds be reimbursed for these unauthorized transactions.

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cohen, Roberts & Associates, LLC
State: PA

Complaint narrative:
Statement of Fact and Violation Notice : I am filing a formal complaint against Cohen , Roberts & Associates , LLC ( XXXXXXXX XXXX ) for explicit violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e ( 5 ) and 15 U.S.C. 1692c ( c ). Meticulous Debt Dispute History : This residential account ( {$1100.00} ) is actively and formally disputed. On XX/XX/year>, at XXXXXXXX XXXX, I emailed a formal dispute to XXXX XXXX XXXX highlighting their failure to provide a contract under the Pennsylvania Home Improvement Consumer Protection Act ( HICPA ). On XX/XX/year>, I explicitly rejected their boilerplate documentation via email to XXXX XXXX, reiterating that the debt remained unverified. Clear Violation of Cease-Communication Order : On XX/XX/year>, at XXXXXXXX XXXX I sent an unambiguous, final notice to XXXX XXXX stating : " Under the Fair Debt Collection Practices Act ( FDCPA ), I am formally demanding that you cease all communication with me regarding this matter. Do not contact me again. '' Despite receiving this clear directive, the agency violated 15 U.S.C. 1692c ( c ) by mailing a collection letter dated XX/XX/year>, which was postmarked on XX/XX/XXXX, XXXXmore than two weeks after my cease-and-desist command. Unlawful Threat of Time-Barred Legal Action : In the correspondence dated XX/XX/year>, collector XXXX XXXX XXXX explicitly threatens the enforcement of a " Mechanic 's Lien '' against my property, addressed to a non-existent combination of names ( " XXXX and XXXX XXXX XXXX XXXX. Under Pennsylvania state law ( 49 P.S. 1502 ), a mechanic 's lien must be filed within a strict XXXXmonth statutory window from the completion of work. The work alleged in this file was completed well over XXXX months ago, making a lien a legal impossibility. Threatening an unexecutable, time-barred legal remedy violates 15 U.S.C. 1692e ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal dispute regarding the XXXX account reporting on my credit file. I believe I was subjected to predatory lending practices by XXXX, and the account information currently being furnished to Experian, XXXX, and Equifax is inaccurate, misleading, incomplete, and unverifiabl

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Today, for the second time, I was blocked from accessing my online account due to rigid verification requirements. While I successfully completed the first step by entering the login code sent to my landline, the system then required me to call an XXXX number and input a credit or debit card number for further verification. Because I do not hold either type of card, and the page provides no alternative verification methods, I am completely locked out of my account. This mirrors a previous issue where I was forced to visit a physical branch just to order checks. It is unacceptable that there is no alternative path for customers without active cards. The online portal must provide diverse verification options to ensure all account holders can access their funds online

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/year>, I contacted Capital One because I was experiencing financial difficulty and wanted to avoid delinquency. I was placed into a temporary accommodation and was verbally told by a representative not to worry about the balance and to make payments as I could. In XX/XX/year>, I enrolled in a formal 9-month 9.99 % payment program and made every required payment on time, including XXXX, XXXX, XXXX, and XXXX. During subsequent calls, Capital One representatives gave conflicting explanations regarding whether these payments were intended to cure my past-due balance or simply reduce my overall account balance. I relied on these verbal instructions. At no time did I clearly understand that four new 30-day late payments would continue to be furnished unless the entire past-due balance was separately cured. Capital One has reported four consecutive 30-day late payments for XXXX, XXXX, XXXX, and XX/XX/year>. I am requesting review of all relevant call recordings, internal notes, payment-arrangement disclosures, and correction of any reporting that can not be fully substantiated as accurate and complete. If the reporting can not be fully substantiated as accurate, complete, and not materially misleading in light of these communications, I request correction or deletion of the affected late-payment entries with all consumer reporting agencies. If the disclosures had been clear, I would have made different decisions. I called specifically to avoid falling behind and to follow Capital Ones instructions. I relied on what your representatives told me regarding these payment arrangements. Based on those communications, I did not understand that four new 30-day late payments would continue to be reported while I was making every required payment. That is why I am disputing whether this reporting was complete, clear, and not materially misleading, and I am requesting review of the recorded calls, agent notes, and furnishing records from XXXX through XX/XX/year>.

Company response to consumer: Closed with explanation