vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX, I was transferred to a XXXX to request for a limit increase on my checking account, the supervisor did not agree with me asking for a limit increase on my checking account and disconnect the call on me. I called customer service on XX/XX/XXXX to file a complaint against the XXXX, and notice a couple hours later my account was locked, and was told my account will be close in 14 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am disputing the alleged debt reported by LVNV Funding LLC in the amount of {$840.00} ( account ending in XXXX ). This account does not belong to me, and I do not recognize or owe this debt. I requested that the company provide evidence that I am legally responsible for this account, but no sufficient documentation or proof of the debt has been provided. I am requesting that the account be investigated and removed from my credit report if the company can not validate that the debt is mine in accordance with Fair Credit Reporting Act and Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony is the bank used by XXXX. I made my final payment of {$500.00} on XX/XX/XXXX and XX/XX/XXXX is the day that the funds are recorded as paid from my XXXX XXXX checking account. According to Synchrony the payment was due on XX/XX/XXXX. Today, is XX/XX/XXXX and I received a past due notice from them for the account that is now fully paid off. This is one week after the payment was made and posted to my checking account. In addition to not posting payments in a timely manner or recording them when they are actually received, they send out past due notices. Their accounting records of payments received are not recorded in a timely manner. They have an automated Chat that is unresponsive.

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 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I have been escrowed out of property taxes for over 10 years and have maintained my tax and insurance obligations. On or around XX/XX/XXXX, I requested documentation supporting the servicers decision to reinstate escrow, including the contractual basis for the decision, supporting records regarding the alleged XXXX tax delinquency, and a new escrow analysis. I submitted on XX/XX/XXXX and on XX/XX/XXXX follow up letters requesting documentation supporting the servicers decision to reinstate escrow, including the contractual basis for the decision, supporting records regarding the alleged XXXX tax delinquency, and a new escrow analysis once again. Rather than providing the requested information, the servicer has repeatedly responded that the matter remains under review. Meanwhile, my monthly mortgage payment is scheduled to increase in XX/XX/XXXX due to the addition of escrow. I am requesting that the servicer provide the requested documentation and explain the basis for reinstating escrow while my dispute remains unresolved. Due to my property taxes being escrowed in, my monthly mortgage increase creates significant financial hardship.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Ive been a card holder since 2021. I went through a short period where I was having trouble making payments due to my personal situation. I later made multiple payments towards my {$600.00} card and it was completely paid off. XXXX asked me for verification documents which I provided and I was told all my documents were being reviewed. While I was waiting for my documents to be reviewed received another email saying my account would be closed if I didnt take care of the verification issue before a certain date. But before that date I had submitted all documents I needed. The email made me worry so I called many times for multiple days and everytime I called I was told something different regarding the information I was sent but everyone told me that all I could do was wait. The dead line passed and my card was closed even though it was fully paid off and in good standing. I actually over paid a little and now there is XXXX cents that I am owed on the card. And the biggest problem is this card is hurting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute multiple unauthorized hard inquiries on my credit report. I have identified several inquiries from XXXX XXXX XXXX XXXX, as well as from other creditors, that I did not authorize. Specifically, there are seven hard inquiries from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, and XX/XX/XXXX, spanning XXXX to XXXX. Additionally, there are hard inquiries from XXXX XXXX, XXXX XXXX, and XXXX XXXX all on XX/XX/XXXX. None of these inquiries were authorized by me, and I believe they are inaccurate and damaging to my credit profile. I request that these unauthorized inquiries be investigated and promptly removed from my credit report. Please confirm receipt of this complaint and inform me of the steps being taken.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 2026-06-08 00:00:00
Product: Mortgage — VA 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: PA

Complaint narrative:
Ownership of my deceased sons mortgage was transferred in XXXX of XXXX. On XX/XX/XXXX Rocket Mortgage continued to extract auto payments from my sons checking account, which was then and is now in my name only. The amount taken was {$1300.00}. They also accepted a XXXX payment from the new owner of the mortgage several days later. On XX/XX/XXXX a second auto payment was extracted from my account in the amount of {$1300.00}. I called the company in XXXX and they acknowledged taking double payments in XXXX of XXXX and XXXX of XXXX. I was told repayment was authorized in the amount of {$2700.00} and would be wired back to my checking account. I was given a reference number of XXXX. This never transpired. I then called again in XXXX of XXXX and was told repayment was authorized again and a check would be mailed to me in the amount of {$1500.00} but I had to send an email to their research department ( XXXX XXXX ), along with a copy of a voided check. When I questioned the amount and procedure I was told that what this was the amount now authorized and this was the procedure I had to follow. I complied and sent an email on XX/XX/XXXX. To date I have not received a reply or the promised repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I made an electronic deposit on XX/XX/XXXX of a payroll check. The deposit is being held without a reasonable explanation. I called and no one can tell me why other than it was deemed necessary by their risk department. When I advised them that regulation CC required a payroll check to be available the second business day I was told it was was an electronic payment and to do my research. The check is not the first one Ive deposited and its from a multi XXXX dollar company. My account is also in good standing so there is no reasonableexplanation for hold on the funds.

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 2026-06-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I provided Bank of America with the physical prepaid card, including the full card number, expiration date, and security code. I also provided photos of the card and explained that I received it as a gift from my stepfather, who loaded approximately {$50.00} onto it. The card expired in XX/XX/year>. I contacted Bank of America by phone, email, and in person. Bank of America representatives advised that they could not assist me without the sponsoring organization name and/or the original amount loaded onto the card. However, I am contacting Bank of America because I do not know the sponsoring organization and am seeking their assistance in identifying it from the card information they issued and service. I also received an email from Bank of America directing me to contact their prepaid customer service department, but I have been unable to obtain information regarding the sponsoring program or how to access any remaining funds associated with the card.

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 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
I went through the process of trying to enroll with TrimRx.com. I stopped short of completing enrollment as I was told I had to have a medical appointment with XXXX of their medical providers. I declined and requested cancellation. They took over 11 days to respond. I provided the screenshots of conversations I had up to that point with Affirm. I spoke to Affirm on the phone and told them I had cancelled via telephone with TrimRX and asked what I could provide on paper confirming this since it was done over the phone. I was assured what I had provided was sufficient. Affirm is still telling me I am responsible for this loan even after I went further than what their XXXX XXXX said i needed to do, and obtained cancellation and refund language and verification from XXXX customer support. This took over XXXX weeks and in the mean time Affirm closed my dispute. I can not make XXXX respond to me on XXXX timeline. XXXX confirmed cancellation and confirmed refund info had been sent to Affirm. Affirm is still saying I have to pay the loan. Affirm can not produce a tracking number from TrimRX to support their claim. They have provided XXXX evidence to support their claim. Cancellation and Refund confirmation from XXXX are attached to this complaint. Please have Affirm provide written proof of a confirmed sale and a tracking number with proof of delivery from TrimRx for product. I have repeatedly asked for their documentation and they refuse to provide it. They can not as you can see from XXXX it was cancelled and refunded. Screenshots provide dates. Please view them. Affirm is refusing to open a new dispute. My next option is small claims court. From XXXX on XX/XX/year> XXXX XXXX XXXX XXXX XXXX ( Support ) Hi XXXX, XXXX received and acknowledged your message about Affirm and confirmed your compounded semaglutide XXXX plan was canceled, with no medication shipped and no provider visit completed. Because this was a XXXX order that was canceled before it could move forward, an enrollment and processing cost of {$88.00} applies to the XXXX plan. The remaining amount is what gets returned to your payment method, and Affirm will be updated once the refund is processed on our end. At this point, theres nothing else you need to do on your side. '' This screenshot is attached. A refund should be processed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I disputed a {$5800.00} charge from a dental merchant who made specific written promises before payment including genuine XXXX porcelain veneers, no shaving of my natural teeth, and a XXXX guarantee. My natural teeth were permanently and irreversibly shaved down without my consent while I was under anesthesia. The veneers failed within days. Capital One has repeatedly closed my case without requiring the merchant to produce a single laboratory document proving genuine E.max was used. The merchants only proof is a handwritten note. I have submitted an independent XXXX dentists clinical findings, the merchants own signed receipt, before and after photographs, and a periodontal referral documenting ongoing harm including required gum XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am disputing several inquiries that appear on my XXXX consumer report. Specifically, I do not recognize the following inquiries : * XXXX / XXXX XXXX XXXX ( XX/XX/year> ) * XXXX XXXX XXXX XXXX ( XX/XX/year> ) * American ExpressXXXX XXXX XXXX ( XX/XX/year> ) I contacted XXXX and requested an investigation. I also submitted an FTC Identity Theft Report because I do not believe I authorized these inquiries. However, the disputed inquiries remain on my report. I am requesting that XXXX conduct a thorough investigation, provide documentation showing how these inquiries were verified, and remove any inquiries that can not be verified as accurate and authorized. I also request written confirmation of the results of the investigation. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: NV

Complaint narrative:
I am filing a formal complaint against XXXX XXXX and FCR Collection Services for fraudulent billing, severe consumer harassment, and unlawful debt acceleration. On XX/XX/year>, I survived a life-endangering highway mechanical breakdown in a XXXX vehicle. XXXX support cross-contaminated my files and misapplied safety flags to a secondary vehicle ( XXXX XXXX 's XXXX ) which I drove home to XXXX with the host 's explicit written consent. On XX/XX/year>, I proactively called XXXX to provide coordinates for a flatbed pickup. A XXXX phone agent aggressively scolded, yelled, and harassed me over the phone, demanding to know why I did n't drive the car across state lines back to PXXXX XXXX ( which would have stranded me a second time ) and threatening me with charges. XXXX 's internal administrative errors delayed the tow until XX/XX/year>. XXXX then wrongfully generated automated late fees for their own delay and accelerated a balance of {$330.00} to collectors on XX/XX/year>, while formal bank and corporate disputes were active. I demand this debt be recalled, my {$92.00} XXXX debit reversed, and a full breakdown refund of {$350.00} issued

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank/Care Credit I would like to reiterate I contacted this company multiple times to get a resolution and nothing was resolved. I paid this company in full with the zero percent promotional balance by the due date it was due. This company refused to acknowledge I made all my payments in full and argued with me and hung up the phone countless times. I even had a supervisor hang up on me. I do have copies of all my payments. This company sent interest charges and negative comments to the credit agencies which has significantly made a negative impact on my credit despite hard work to get it up and hard work to pay everything I owed to this company within the promotional period. I provided the payments and a supervisor even acknowledged I did make all my payments within the promotional balance period while it was zero percent. The total they say I owe is incorrect and I will not pay further than the total I agreed to pay and I will not pay interest when I paid fully within the promotional period. I have copies of my payments. This company refuses to work with me on resolving debts I do not owe. They have hung up on me and been rude. They sent me to supervisors who could not resolve the issue with even acknowledging I had paid within the promotional balance. They sent me to collections. They are not registered with XXXX and they have multiple complaints for overcharges with interest and people paying their promotional amounts on time. Today I made it clear if I continued to be harrasssd and my credit hit I will dispute with a credit attorney. They hung up on me multiple times including just now XXXXXXXX XXXX XXXXXX/XX/year>. This company is wrongfully charging people interest they do not owe and not acknowledging payments they made in full within the promotional period. This company is not communicating and hurting people who are doing their best to make payments on time. I do not recommend this company and I will be contacting further support in resolving this matter.

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 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
b'Hi \n\XXXX XXXX and accounting purposes, I am requesting for an employee of Bank of America to fill out and return IRS form XXXX (attached) in relation to my credit card account XXXX XXXX XXXX XXXX . \n\nI request you complete form XXXX (including providing the proper business name and mailing address, EIN number, phone number, etc) and relay the information to me whether by way of the CFBP platform, by e-mail, and/or by mail - whichever is best for the fastest response so that I may relay this information to my accountant and trustee.'

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 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing this complaint regarding inaccurate information reported on my credit file following a data breach that exposed my personal information. As a result of this breach, unauthorized and inaccurate activity appeared on my credit report without my consent. I previously disputed these issues, yet the inaccurate information continues to remain and harm my credit standing. Under the Fair Credit Reporting Act, I request a thorough reinvestigation and the removal of all information connected to this data breach that can not be properly verified.

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 2026-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My health reimbursement account deposited XXXX dollars for my daughter medication navy federal because I am behind took the money and applied to a past due credit card and will not release the funds or apply as I instructed they advised they have the right to hold funds which I clearly get but if I ask for the funds to be applied to my car loan that Im 30 days past due why wouldnt they why would they apply towards a credit card that I clearly expressed I have an attorney handling for me and my bankruptcy that I will be filing in XXXX please help me Im going through enough mentally and financially Im simply asking for the funds to be applied to my vehicle loan to help me get out of this 30 day delinquency

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation