vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Constant solicitation to apply for XXXX XXXX XXXX amongst others due to my exceptional credit history and score status. Solicitation included no ding prequalified and highlighting my top tier credit status. Also told that I had very minimal CC for my age and status. After all this I prequalified and applied for XXXX XXXX card. They for no specific reason ( I have also requested a review of them ) declined me. I contacted Credit Karma to assist me with the reason. I believed they were best qualified to assist because they heavily solicited me to apply and knew specifically of my credit worthiness. Instead I get this We are not responsible or apart of the decision process Seriously? I am very concerned this is either a scam or some form of subjective manipulation/prejudice. It cant be legal or at least professionally moral. Someone needs to take responsibility and explain. The prequalified approval and decline decisions were made almost immediately. Why cant I get a clear answer as to why they were made Immediately?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing an inaccurate collection account reported on my credit file related to XXXX / XXXX account XXXX XXXX. This account was a duplicate account that I accidentally opened about a year ago. The account was never activated or used, and I immediately attempted to close it. I was repeatedly told by XXXX representatives that they could only see one account and later assured me that I did not need to pay anything because the duplicate account would be closed. Despite these assurances, XXXX failed to close the account and later sent an {$83.00} balance to collections. I never received proper written notice before the collection was reported. The only email I later found from the collection agency had gone to my spam folder, and I discovered the issue only after seeing it on my credit report. This collection is inaccurate and unfair because XXXX XXXX the duplicate account was opened by mistake,- it was never activated or used, XXXX I made repeated attempts to resolve the issue,- and I was informed by XXXX that the account would be closed and no payment was required. I respectfully request that this collection account be investigated and removed from my credit report as inaccurate reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Re : Formal Dispute of Incomplete and Inaccurate Student Loan Reporting Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the above-referenced student loan account that is appearing on my credit report. The information being reported is incomplete, inaccurate, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under FCRA 1681i, you are required to conduct a reasonable reinvestigation of any disputed item within 30 days and to ensure that the information in my file is accurate, complete, and verifiable as required by 1681e ( b ). Basis of Dispute The account information is incomplete because it fails to reflect the correct payment history, or loan status. The account is inaccurate because the reported dates, or status do not match my actual records. The account also shows a duplicate or outdated reporting of this same student loan under a different account number. This incomplete and inaccurate information is causing harm to my credit reputation and does not meet the maximum possible accuracy standard required by the FCRA. Action Requested 1. Reinvestigate the account in full. 2. Verify the accuracy and completeness of all data reported. 3. Provide the name, address, and telephone number of the furnisher that verified this information. 4. Delete or correct any unverifiable, inaccurate, or incomplete data from my file. If the furnisher can not verify the account with documented proof, it must be deleted immediately. Please send me written confirmation of your findings and any changes made to my report

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 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I closed a refinance of my BMO mortgage on XX/XX/year>, with XXXX acting as the title company. On XX/XX/year>, BMO issued a confirmation stating that property taxes had been paid from my escrow account. Relying on this official confirmation, XXXX issued a " stop payment '' on the tax funds collected at closing to avoid double payment.However, BMOs reporting was inaccurate ; the county never received the funds, resulting in a delinquency notice and late penalties. Despite the loan being paid off on XX/XX/XXXX, BMO has failed to remit the tax payment or return my escrow balance. As of today, XX/XX/year>, it has been 26 business days since the payoff.

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 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing this complaint regarding a fraudulent Capital One account being reported under my name without my authorization. I never opened a Capital One account or authorized anyone to open XXXX on my behalf. After filing an identity theft dispute with XXXX, the account was initially removed from my credit report. It was later reinserted after Capital One claimed the account had been verified. I disputed the account multiple times and requested full validation, including the original signed application, identity verification records, IP/device information, and proof that I opened or authorized the account. No such documentation has been provided. Recent disputes were opened and closed within minutes, indicating no reasonable investigation was conducted. XXXX later informed me the account was simply verified by the data furnisher. I also have reason to believe the contact information associated with the account does not belong to me, further supporting that this account was not opened or used by me. Despite this, Capital One continues reporting the account as accurate. I am requesting that Capital One provide complete documentation proving I opened and authorized this account, or immediately cease reporting it to all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate late payment reporting on my mortgage account and a likely payment application error by my mortgage servicer. My credit report reflects extended periods of delinquency from XX/XX/XXXX through XX/XX/XXXX, and again from XXXX through XX/XX/XXXX. During this time, I had transitioned between bank accounts while my mortgage was set up on a split payment schedule. I continued making payments ; however, it appears those payments may not have been properly applied. The reporting pattern raises significant concern. It reflects prolonged delinquency, followed by a return to current status, and then a recurrence of late payments. This inconsistency does not align with normal delinquency progression and strongly suggests a servicing or payment application error rather than a failure to make payments. Additionally, I did not receive timely notification from the servicer indicating that my account was delinquent during these periods. Had I been properly notified, I would have taken immediate steps to resolve any issue. I respectfully request : XXXX. A complete audit of my payment history, including how all payments were received, held, and applied. XXXX. Documentation of any delinquency notices allegedly sent. XXXX. Correction or removal of any inaccurate late payment reporting furnished to the credit bureaus. XXXX. Confirmation of whether any payments were placed in a suspense or partial payment account and how those funds were handled. Based on the facts above, the reported delinquency appears to be the result of a payment processing or servicing issue and does not accurately reflect my payment behavior.

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 2026-05-06 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: Chime Financial Inc
State: PA

Complaint narrative:
I bought a vehicle from a dealer and they didn't put the underlying problems that the vehicle had wrong under the description and I purchased it and went and picked it up and it broke down and the transmission is bad and in Pennsylvania its illegal to sell a vehicle withholding crucial information that prevents the vehicle being driven safe. I contacted chime and they went thru investigations and denied my claim but in XXXX the XXXX XXXX is when you purchase a vehicle and it has malfunctions the first XXXX miles and I didnt even get XXXX miles away they I resumitted my dispute and they denied it again this is illegal and I basically got robbed and my bank won't do nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Description of what happened : On or around XX/XX/year>, I noticed an unauthorized charge of {$1000.00} labeled XXXX on my account ending in XXXX?. I did not make this transaction and did not give permission or authorization for this payment. I reviewed my account and confirmed that I do not recognize this charge and have no record of approving or receiving any related service or purchase. This transaction appears to be incorrect or fraudulent. I am formally disputing this charge and requesting a full investigation. I also request that the temporary credit remain in place and that the charge be permanently removed if it is confirmed to be unauthorized.

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 2026-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
with this loan i pay taxes and home insurance with my own always been like this so this company made an escrow to charge me for the taxes and home insurance they had just bought the loan .with the previous company never had a problem so i spoke to them and i sent the proof for my insurance that was paid already the whole year also mention taxes paid already too they don't ask for proof but i said i can sent proof if you want .one of the supervisor she told me they will refund my money but never done that .now they create a short escrow. so my payment was {$1300.00} until last XX/XX/year> and then {$1700.00} there is no way to make an escrow for not reason they just charge me more and more i can not keep going like that i have not money to pay an attorney they to expensive .so please help me last times i called them they treat me like ignorant not understand anything they said XXXX. XXXX that was the previous company now rocket mortgage.the company rocket mortgage they started at the end of the last year to my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was previously advised that the credit bureaus would contact the furnisher or vendor regarding the disputed account and request verification of all information associated with the item in question. I was informed that the furnisher would be required to investigate and respond within XXXX days from the date the dispute was received, or within XXXX days for Maine residents. I was further advised that all relevant documents submitted with my dispute would be reviewed and forwarded to the furnisher if necessary to assist in resolving the matter. Additionally, I was advised that if no response was received from the furnisher or vendor within the required timeframe, the disputed item would either be updated as requested or deleted from my consumer report, and I would be provided with the results of the investigation. To date, I have not received any proper follow-up response regarding the certified letters previously sent or my original complaint filed with the Consumer Financial Protection Bureau XXXX CFPB ). My initial CFPB complaint was submitted to the company on XX/XX/XXXX, and my most recent certified correspondence was sent on XX/XX/XXXX. Furthermore, based on the companys response dated XX/XX/XXXX associated with CFPB Report # XXXX, I was led to believe this matter would be resolved and the account deleted. Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, I have the legal right to obtain full disclosure of all information contained within my consumer report and file, including the sources of such information. Additionally, under XXXX U.S.C. XXXX and XXXX U.S.C. XXXX ( b ), consumer reporting agencies are required to conduct reasonable investigations and follow reasonable procedures to assure the maximum possible accuracy of all information reported. The continued reporting of unverifiable, inaccurate, or undisclosed information despite prior disputes and supporting documentation raises serious concerns regarding compliance with the FCRA. Such conduct may constitute willful and/or negligent noncompliance under XXXX U.S.C. XXXX and XXXX, which may subject the responsible parties to civil liability, statutory damages, actual damages, attorneys fees, court costs, and other remedies available under federal law.

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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reporting that I believe I am a victim of identity theft. I have identified unauthorized accounts and/or inquiries on my credit report that I did not open, authorize, or recognize.

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 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: WA

Complaint narrative:
On XX/XX/year>, I sent a formal written debt validation request to Firstsource Advantage , LLC via email to XXXX regarding an alleged XXXX XXXX, XXXX debt with a balance of {$89.00} on an account ending in XXXX. I also mailed a physical copy via certified mail to XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Firstsource Advantage acknowledged receipt of my email on XX/XX/year>. Despite acknowledging my validation request, Firstsource Advantage continued to send collection emails at least 7 times without providing any debt validation, in violation of 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. They never provided any of the requested validation documentation including proof of the original debt, account history, or proof of licensure to collect in the State of Washington. Their continued collection activity after receiving my written validation request constitutes multiple FDCPA violations. I am requesting that the CFPB investigate these violations and require Firstsource Advantage to cease all collection activity until proper debt validation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX XXXX tricked me into thinking I was investing into a legitimate business. I was tricked into sending money to a fake investment platform ( XXXX XXXX ). They misrepresented it as legitimate trading.However, the business was indeed not legit and is apart of a fraud scheme. She portrayed it as XXXX XXXX XXXXough an app called XXXX XXXX. The entire thing is fraudulent, causing me to lose {$570.00}. The transactions are listed on my account at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: WA

Complaint narrative:
On XX/XX/year>, I sent a formal written debt validation request to MRS BPO , LLC via email and certified mail regarding an alleged XXXX XXXX XXXX Their text messages referenced a settlement amount of {$96.00}. Despite receiving my validation request, MRS BPO continued to contact me via text message at least 7 times without providing any debt validation, in violation of 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. I also never received the required written validation notice within 5 days of initial contact as required by the FDCPA. Their initial contact was made via text message only, which does not satisfy the written notice requirement. I sent a formal cease and desist notice on XX/XX/year> instructing them to stop all contact and to respond in writing only. They ignored both the validation request and the cease and desist notice and continued sending text messages. I have documented all XXXX text message contacts made after my validation request was received. I am requesting that the CFPB investigate these violations and require MRS BPO to cease all collection activity until proper debt validation is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by Honda Financial Services. Honda Financial Services provided written confirmation that no late payments would be reported to any credit bureau for my account. Despite this written agreement, Honda Financial Services reported late payments to the credit bureaus, which caused a significant drop in my credit score ( approximately XXXX points ). This reporting contradicts the written confirmation I received and appears to be inaccurate under the Fair Credit Reporting Act. The inaccurate reporting has negatively impacted my credit standing. I am requesting that Honda Financial Services immediately correct the reporting by removing all late payment history associated with this account and submit updated information to XXXX XXXX XXXX XXXX I have attached the written confirmation from Honda Financial Services as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am submitting this complaint to formally request a refund of {$1000.00} from the {$120.00} XXXX CFPB Redress Fund ( related to the XXXX Consent Order against Block , Inc. ) due to Cash App 's failure to investigate unauthorized transfers and account takeovers. Incident XXXX ( XX/XX/XXXX ) : On or around XX/XX/XXXX, my phone was physically stolen. Using a borrowed device, I immediately discovered {$1000.00} in unauthorized transfers of my XXXX relief funds. I have attached XXXX screenshots as evidence that I reported these transactions as " scams '' the same day. My evidence shows I even sent messages to the hackers pleading for the return of my funds and stating that I was calling XXXX. Cash App acknowledged these reports but failed to conduct a proper investigation. Instead of resolving the unauthorized transfers, they closed the claim without a refund and provided no practical support for recovering the stolen funds. Incident XXXX ( Account Takeover ) : Shortly after, a subsequent phone theft occurred. Hackers accessed my device, stole an additional {$50.00}, and were allowed to change my email, phone number, and all security credentials for account $ itskdudefu. This permanently locked me out of my account. Summary of Violations : Cash App failed to follow Regulation E requirements for error resolution and unauthorized transfers. They lacked adequate customer support and denied my claims despite my immediate reporting and documentation of physical theft. I am seeking a full refund of my documented {$1000.00} total loss because Cash Apps investigation was woefully incomplete and failed to protect me during a documented account takeover.

Company response to consumer: Closed with explanation