vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 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: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and failure to properly investigate a disputed account. I disputed an account reported by XXXX XXXX XXXX on my credit report. I requested documentation supporting the accuracy of the account, including proof of authority to collect and a complete accounting of the balance. XXXX XXXX XXXX admitted they are not the owner of the debt and failed to provide documentation demonstrating their legal authority to report or a complete accounting of the balance. Despite this, TransUnion verified the account as accurate. This raises serious concerns regarding the adequacy of the investigation conducted by TransUnion, as the furnisher failed to provide sufficient documentation to support the accuracy of the account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies are required to conduct a reasonable investigation and ensure maximum possible accuracy. At this time, the account continues to be reported despite being disputed and lacking proper verification. I am requesting : 1. Immediate deletion of this account from my credit report XXXX. Investigation into TransUnions verification process XXXX. Investigation into XXXX XXXX XXXX compliance with FCRA This account is being reported without sufficient verification and must 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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
Complaint : I made a payment of approximately {$2300.00} toward my Citi credit card with the expectation that my available credit would increase so I could use the card to repair my vehicle, which is currently inoperable and essential for transportation. Immediately after making this payment, Citi reduced my credit limit from approximately {$3300.00} to about {$930.00} w/ an avail bal of ONLY {$85.00}, eliminating access to the credit I had just restored. This action left me unable to repair my vehicle and caused immediate financial hardship. This issue is occurring during a period of significant financial hardship, including the risk of foreclosure. The loss of access to credit immediately after making a substantial payment has compounded my situation by preventing me from repairing my only vehicle, which directly affects my ability to manage my financial obligations. At no point prior to making this payment was I informed that a credit limit decrease was pending. Had I been aware, I would have made different financial decisions. The explanation provided by Citi was based on general credit scoring factors such as delinquency and credit utilization, but did not address the timing of this action or the impact it would have on my ability to access funds immediately after making a substantial payment. This sequence of events created direct and foreseeable financial harm. I relied on my available credit for necessary vehicle repairs, and the sudden reduction prevented me from addressing a critical need. I am requesting that this situation be reviewed for fairness, particularly regarding the timing of the credit limit reduction immediately following a payment.

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 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
I am submitting this complaint to formally report the negative impact that Nelnet has had on my credit profile across all three major credit reporting agencies. Following the payment pause associated with the XXXX pandemic, I did not receive any notificationby mail, email, or phonethat my student loan payments were scheduled to resume. As a result, I was unaware that my account had transitioned back into an active repayment status. Without any prior warning or communication, Nelnet began reporting my account as delinquent, which led to multiple late payment entries being added to my credit reports. These negative marks have significantly lowered my credit score and have adversely affected my financial standing. I want to emphasize that I have always made a good faith effort to remain in good standing on my obligations, and had I received proper notice that payments were resuming, I would have promptly resumed making payments to avoid any delinquency. The lack of communication is deeply concerning. Given the widespread and well-publicized nature of the pandemic-related payment pause, I believe it is reasonable to expect clear and direct notification before any negative reporting actions are taken. In this case, I was not afforded that opportunity. Instead, I was penalized without warning, and the consequences have been substantial. Since becoming aware of the issue, I have brought my account current and resumed making payments as required. However, the damage to my credit history remains, and I have been unable to resolve this matter directly with Nelnet despite my efforts. I feel as though I have exhausted my options and have no meaningful recourse without regulatory assistance. I respectfully request that this situation be reviewed, and that consideration be given to removing the late payment marks that were reported during this period of non-communication. These entries do not accurately reflect my willingness or ability to pay, but rather a failure in notification and communication. I am seeking a fair resolution that restores the integrity of my credit report and holds Nelnet accountable for its lack of proper notice. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I found a collection in my XXXX account that I do not recognize and I filed a police report and sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/year> someone hacked my account and sent a XXXX payment of {$2500.00} and I did not give anyone permission. Up until this point i never reported fraud or had any issues with my account further more I never spent over {$1000.00} at XXXX time in this account and when the {$2500.00} transaction was made Citi bank never notified me for approval or at all. They approved the debit fraud claim from the same fake company but taking forever to approve the last claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: GA

Complaint narrative:
I had XXXX charges from XXXX XXXX for {$20.00} that were not authorized in XXXX. I filed a dispute with Chime and they denied my dispute. This is very unfair I didn't authorize the charges and was let down by my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: RI

Complaint narrative:
I am filing a complaint regarding debt collection activity by Jefferson Capital Systems LLC and its attorneys. Judgement and wage garnishment were issued against me without my knowledge on XX/XX/year>. For the full amount of {$4300.00} and of which the sum of {$2800.00} have already been garnished. I was not properly served with court documents and did not have the opportunity to respond to the lawsuit. As a result, my wages are being garnished without due process. I am now unable to meet the requirements for : Utility bills, food, transportation for me and my family. I respectfully request that your office investigate this matter and determine whether the debt collector complied with federal and Rhode Island debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a flood in my home XX/XX/XXXX. XXXX my home owners insurance company issued a check for over {$26.00} XXXX which I received in XX/XX/XXXX. Although not properly endorsed Chase had the funds paid to my account improperly. Chase closed my business account and although they were improperly paid improperly they are withholding the funds. Ignoring the improper endorsement and refusing flat out to refund the funds to XXXX and demanding the mortgage company the co endorsee to give their endorsement over the phone somehow thinking it would fix their egregious error Now Chase after months of phone calls XXXX documentation that the check was paid still refuses to return the funds offered to return the check which is now stale. Do not even fathom how this would fix anything. Bottom line. Chase is holding funds from my insurance claim as their own. I am XXXX and my HOA is on the verge of condemnation. I have many scars and bruises bc of their refusal to return the funds to XXXX so they can issue a new check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Complaint Against : Rocket Mortgage ( Servicing ) Loan Type : VA Mortgage I am filing a complaint regarding improper escrow handling and an artificially created escrow shortage on my mortgage account. Rocket Mortgage has assessed a shortage of {$4800.00}, claiming it is due to increases in property taxes and/or insurance. This claim is factually incorrect and contradicted by their own records. 1. Property Taxes Are {$0.00} ( Exempt Status ) My property taxes have been reduced to zero due to exemption. Therefore, there is no valid basis for any escrow shortage related to taxes. Despite this, Rocket Mortgage continues to calculate escrow using prior tax obligations and has failed to properly adjust the account. 2. Insurance Payment Misrepresented as Shortage Rocket Mortgage records show a hazard insurance disbursement of approximately {$4800.00}, which nearly matches the alleged shortage amount of {$4800.00}. This insurance payment is a standard annual escrow disbursement that is funded through monthly escrow contributions. It is not a deficit or shortage event. 3. Improper Retention of Escrow Funds/ Refund After my tax obligation was eliminated, any escrow surplus or refund should have been returned or properly applied. Instead, Rocket Mortgage appears to have retained those funds and offset them against an artificially created shortage. 4. Inconsistent and Unreliable Escrow Analyses Rocket Mortgage has produced multiple conflicting escrow analyses showing different shortage amounts ( including approximately {$710.00}, {$3800.00}, {$11000.00}, and {$4800.00} ). This demonstrates that their calculations are unstable, inconsistent, and not based on accurate inputs. 5. Failure to Provide Clear Accounting Despite multiple requests, Rocket Mortgage has not provided a clear, transaction-level explanation showing how the shortage was calculated, how refunds were applied, or how escrow balances were adjusted after tax exemption. Requested Resolution I am requesting the following : A full escrow recalculation excluding all property taxes A complete transaction-level accounting of all escrow activity Immediate correction of the alleged shortage Refund of any improperly retained escrow funds Adjustment of my monthly payment to reflect accurate escrow obligations Harm Caused Rocket Mortgages actions have caused : Financial harm through improper retention of funds Increased monthly payment obligations based on incorrect calculations Significant time spent attempting to resolve the issue Ongoing stress and uncertainty regarding my mortgage account I request that Rocket Mortgage be required to provide a complete and accurate escrow accounting and correct this issue immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding unauthorized charges and the closure of my checking account ending in XXXX. Fraudulent transactions were posted to my account : {$350.00} on XX/XX/year> and {$2000.00} on XX/XX/year>. I did not authorize these charges. I filed a dispute, but the bank declined to issue a credit. Supporting documents are attached. Instead of resolving the issue, Bank of America closed my account and is withholding my funds. This conduct appears to violate the Fair Credit Billing Act and applicable consumer protection laws. I am requesting immediate reimbursement of {$2300.00} and the release of all remaining funds in my account.

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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/year>, I withdrew XXXXXX/XX/XXXX from XXXX and sent it to my Robinhood XXXX deposit address. I mistakenly selected the XXXX network instead of the XXXX mainnet ( XXXX ). The funds arrived at my correct Robinhood deposit address on the XXXX network and are fully confirmed on XXXX ( transaction hash : XXXX ). Robinhood controls the private key to this deposit address and is therefore technically capable of recovering these funds. However, Robinhood support has refused to do so, stating it is against company policy. No escalation or manual recovery process was offered. At no point during the deposit process did Robinhood disclose or warn me that sending XXXX via an unsupported network would result in a permanent and total loss of funds. This lack of disclosure caused me to lose approximately {$2000.00} worth of ETH with no recourse. I am requesting that Robinhood recover and credit the XXXX XXXX to my account, which they are technically able to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Approximately XXXX rewards points/miles were unauthorizedly redeemed or transferred from my credit card account by an unknown party. I did not authorize this transaction and did not receive any benefit from it. Summarized story are as follow. XXXX. On or about XX/XX/XXXX, I applied Chase Sapphire XXXX XXXX XXXX as per Chase promotion advertisement saying that if I use the card more than {$5000.00} during first 3 month after receipt, the Bank will award me XXXX awards point. XXXX. On or about XX/XX/XXXX, I have received the XXXX card and used it more than {$5000.00} for XXXX month and received XXXX awards point. As per attached XXXX statement. I had planned to use the awards point during XXXX travel and neglected to check the XXXX card statement and on or around early XXXX reviewed my statement and found I had no awards point in statement. XXXX. I have found that XXXX Chase statement showing that I have redeemed XXXX and available point is only XXXX. As per attached XXXX statement I promptly reported this matter to Chase. My claim was denied ; however : The denial was communicated only verbally by a fraud supervisor saying that I have not submitted any evidence of fraud related document. I have checked all of my email received period of XX/XX/XXXX through XX/XX/XXXX, but do not have any suspicious or fraud related email received and emailed back to Chase sometime in XXXX, XXXX. Chase has failed to provide any written explanation despite my request No evidence has been provided showing that I authorized or benefited from the transaction I escalated this matter to Chase XXXX XXXX and requested a written response, but as of today, I have received no written communication or justification. I believe Chase has failed to conduct a reasonable investigation and has not met its obligation to clearly explain the basis for denying a fraud claim. I request that Chase : Reopen and properly investigate this matter Provide documented evidence supporting any denial Restore the approximately XXXX rewards points/miles to my account I am seeking regulatory review due to the banks inadequate handling of a clear case of unauthorized account activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
Email sent to Oportun today XX/XX/XXXX To : Oportun Good morning : I called Oportun yesterday Saturday XX/XX/XXXX. SITUATION : I made a payment last XX/XX/XXXX for {$4500.00}. The employee gave me the attached paper. I requested the new payment schedule, but the employee told me that I will pay again on XX/XX/XXXX and she can not give a new schedule. According to that paper my last payment will be on XX/XX/XXXX, the same date that appears in the contract. According to the contract, Page 8, 6 : Right to prepay : " You may pay part of all the Principal early ( called a " prepayment '' ). Any prepayment will reduce the interest you pay on the Loan. You will not be charged a penalty if you make a prepayment. The Administrative Fee, if any, is earned in full on the Loan Date and will not be refunded if you prepay this Note. '' REQUEST : I request my new schedule from the last payment I did : XX/XX/XXXX. I will pay the monthly fee accumulated from XXXX until now. Every time I do a prepayment I want to receive a new schedule applying the new debt. Thank you for your consideration to this matter, Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I applied for a credit card through the XXXX XXXX checkout page while booking a flight. During checkout, I was shown a pre-approved offer for a statement credit and bonus miles. The offer was presented in a way that made it appear I qualified and that the statement credit would offset the cost of the purchase. Based on how the offer was displayed at the point of purchase, I relied on that representation when deciding to apply for the card. After being approved and using the card, I later received my statement and did not see the expected credit. I then contacted the company and was informed for the first time that I am not eligible for the offer due to a XXXX restriction. This restriction was not clearly disclosed in the checkout offer presentation. I contacted the company to resolve the issue and was told the offer was automated, and that no adjustment or accommodation could be made. This did not address the misleading way the offer was presented or the expectation it created. I am requesting that the offer be honored, or that a comparable statement credit be provided due to the way the offer was presented at checkout.

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 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
SUBJECT : FORMAL FDCPA DISPUTE & CEASE AND DESIST ( FRANKLIN COLLECTION SERVICE ) INCIDENT : I am a XXXX consumer and fire survivor living in a high-risk fire zone. Franklin Collection Service is unlawfully attempting to collect a fraudulent {$570.00} " Zombie Debt '' on behalf of a debt buyer, despite the original creditor officially admitting the debt does not exist. THE PROOF : XX/XX/XXXX2026 Executive Admission ( XX/XX/XXXXXXXX ) : The original creditor ( XXXX ) explicitly stated to the federal government : " XXXX advises there is no balance on the account reflecting any amount of {$570.00}. '' XX/XX/XXXX2026 Executive Letter ( XX/XX/XXXXXXXX ) : XXXXXX/XX/XXXXexecutive office confirmed a {$160.00} refund was issued to me, proving I am a creditor, not a debtor. XX/XX/XXXXAdmission : On XX/XX/XXXX 2026, another agency (XX/XX/XXXX ) admitted to the CFPB ( Case XX/XX/XXXXXXXX ) that this exact debt is invalid and ordered a deletion. Data Corruption : This debt is illegally " re-aged '' data tied to a XXXX address ( XXXX XXXX XXXX ) from XXXX. LEGAL DEMANDS : I demand Franklin Collection Service immediately cease all collection activities, close this file as " Invalid, '' and order the permanent deletion of this trade line from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management is reporting two collection accounts on my credit file that can not be verified. Account # XXXX ( original creditor : XXXX XXXX XXXX ) and Account # XXXX ( original creditor : The XXXX XXXX XXXX ). XXXX deleted both accounts after their own reinvestigation, finding them unverifiable. Midland continues to report these accounts on XXXX and XXXX despite another major credit bureau finding them unverifiable, in violation of FCRA 623 ( a ) ( 1 ) ( A ). The three bureaus are reporting materially inconsistent information for both accounts including different account statuses, different dates last active, and different past due amounts, which is impossible if the data is accurate. I sent a direct dispute letter to Midland on XX/XX/year> demanding original signed contracts, chain of assignment documentation, and complete payment histories. Midland has not responded or provided any documentation. As a third-party debt buyer, Midland has not demonstrated legal ownership or right to collect these alleged debts. I am requesting immediate deletion of both accounts from all three credit bureaus

Company response to consumer: Closed with explanation