vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I submitted a money transfers in the amount of {$1000.00} each to a money transfer portal under the operation of XXXX to a company called XXXX XXXX XXXX. On XX/XX/XXXX I submitted an additional {$2000.00} money transfer to XXXX XXXX XXXX using the same money transfer portal through XXXX .Each time the funds were part of a payments for license agreement for using two algorithms XXXX and XXXX to generate approximately 4 % monthly returns on my investment capital held at XXXX XXXX XXXX XXXX as the medium to implement the trading initiated by the two algorithms. the " onboarding process '' took several weeks to get the algorithms connected to my account after purchasing the XXXX service. Once operating the returns were less than promised and after several complaints about the XXXX lack of the projected 4 % returns I was told by the sales representative that purchasing a different algorithm ( XXXX ) on XX/XX/XXXX to replace the XXXX would perform better and be " safer " from my investment capital standpoint. It took until XX/XX/XXXX that I began to realize that these algorithms were never going to produce the monthly returns I was promised. I expressed my displeasure regarding the lack of performance on my funds to the onboarding representative who said she would talk to the management. this conversation was repeated several times and eventually in XXXX both the sales representative and the onboarding contact persons phone numbers were no longer working as they were XXXX phones. I never made any money on my investment capital and was literally scammed out of my licensing fee money. No company phone number, no brick and mortar address, no corporate registration, no definite ownership information to try to contact anyone about my money and their worthless algorithms that did nothing but make XXXX trades per day. As an FYI I turned XXXX XXXX XXXX on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
My information was breached through XXXX and XXXX. Multiple things are in my account not accurate or not approved by me to be up there

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 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: CT

Complaint narrative:
I am writing to formally dispute the payment terms demanded by Midland Credit Management regarding the account number XXXX, and to exercise my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Midland Credit Management sent me a written collection notice stating that I could resolve this matter with bi-weekly payments as low as {$25.00}. However, the telephone representatives are now stating that Midland Credit Management " can not '' fulfill this oer and are falsely claiming that I must pay half the balance ( {$860.00} ) upfront to establish a bi-weekly payment schedule. Furthermore, the agents have subjected me to intrusive questioning regarding my personal finances attempting to intentionally humiliate me. These actions constitute a direct violation of Section 807 of the FDCPA ( 15 U.S.C. 1692e ) regarding false, deceptive, and misleading representations, specifically the misrepresentation of the status and terms available for resolving this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
I opened a parent account for my daughter. She no longer has access to the email ir phone number used on the account. The account is still listed under my family accounts on my account. Cash app instructed us to close the original account anf open a new one and we did. They stated the funds would be moved from the old account to the new and after years of attempts to move the funds they refuse. We have no access to the original account nor the {$160.00}. Cash app staff gives a run around every time we contact them and jump through all the hoops to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I sent a formal debt validation letter via email to National Credit Systems requesting verification of an alleged rental debt of {$2200.00} attributed to XXXX XXXX XXXX XXXX XXXX. The letter requested the original creditor 's name, itemized amount owed, and proof that I am legally responsible for this debt, as is my right under the FDCPA. On XX/XX/year>, I sent a final notice email reiterating this request. As of today, National Credit Systems has not responded to either communication and has not provided any debt validation. Despite failing to validate the debt, the collection account remains on my XXXX credit report, which I am actively disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I am submitting this complaint regarding serious concerns involving the servicing and application of payments on my Rocket Mortgage loan account. I have made bi-weekly mortgage payments on this loan for years and have never previously experienced payment issues. Recently, I discovered through review of my mortgage statements that one of my payments had apparently been placed into forbearance rather than properly applied to my loan. I was never notified that my account had been placed into any form of forbearance status and have never requested hardship assistance, requested forbearance, or authorized any such action. At the time I discovered this issue, my account was being treated as past due despite my continued payments. On XXXX XXXX XXXX Rocket Mortgage received my certified Notice of Error disputing these servicing issues and requesting correction and information regarding my account. Since that letter was delivered, my online account dashboard now appears to show my payments as current. However, Rocket Mortgage has still not explained : * Why any payment was placed into forbearance status without my authorization; * Whether all payments were properly and timely applied ; * Whether any delinquency or negative credit information was reported to consumer reporting agencies; * Whether any internal servicing errors or account coding issues remain associated with my loan. I am requesting : 1. A complete accounting and payment history for my loan ; 2. Written explanation regarding any forbearance designation placed on my account ; 3. Confirmation of whether any negative credit reporting occurred ; 4. Correction of any inaccurate reporting or servicing records, if applicable ; 5. Written confirmation that my account is current and accurately reflected in Rocket Mortgages servicing records. I have retained documentation including mortgage statements, proof of payments, and certified mail delivery confirmation relating to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: NV

Complaint narrative:
When I signed up for my Netspend account there was a {$100.00} bonus for signing up and receiving {$500.00} direct deposit, activating my card and waiting XXXX days. It has been well over XXXX days since Ive met these requirements and still have not received my bonus {$100.00}.

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 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Transform Credit Inc.
State: FL

Complaint narrative:
Hi there, I recently spoke with an agent over the phone regarding my loan approval. During the call, I requested that he speak slowly, as XXXX is not my first language, and I wanted to ensure I understood everything clearly. I would like to formally submit my application and request to speak with someone to go over the terms and conditions of the loan. Its important for me to fully understand the agreement before proceeding. Thank you for your assistance. Best regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding Credit Collection Services reporting an alleged debt on my credit report without providing proper verification or validation of the debt. After discovering the account on my credit report, I disputed the account and requested verification/validation of the alleged debt. The company failed to provide sufficient documentation proving that the debt is accurate, legally owed by me, or authorized for collection. Despite this, the account continues to be reported to the credit bureaus. The inaccurate reporting has negatively impacted my credit profile and ability to maintain fair and accurate credit reporting. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), furnishers and debt collectors are required to conduct a reasonable investigation and provide accurate, verifiable information. I am requesting : Immediate deletion of the account from all credit reporting agencies A proper investigation into the reporting practices of Credit Collection Services Written confirmation once the account has been removed or corrected I believe the company is reporting unverified and potentially inaccurate information in violation of federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: NV

Complaint narrative:
I received a denial of my appealed fraud claim from Bank of America for XXXX fraudulent charges. The XXXX charges were made in XXXX when I was in XXXX. I provided poof of my location, including Passport stamps, hotel accomodations and credit card charges made in my actual location. The fraud claim denial states my card chip was read and that I put in a pin or signature. This would be impossible as I was no where near XXXX XXXX. I have called the XXXX department XXXX XXXX and am never able to speak with anyone that is actually investigating fraud. This is my second report through this complaint process on the matter. XX/XX/XXXX XXXX Fraudulent charges appeared on my Bank of America card. On the same day I was alerted by Bank of America, XXXX, and XXXX XXXX of possible fraud charges on multiple accounts. All charges were halted except for XXXX charges in the same exact amount from XXXX different business in XXXX for {$3000.00}, XXXX to an XXXX XXXX and the other to a studio XXXX. I immediately refuted the charges on my BofA app with a fraud claim. XXXX XXXX The Fraud Claim was denied. Reason was they said my card chip was read and I signed or provided a pin. Which, was impossible. XXXX XXXX I filed an appeal on the phone. XXXX XXXX Evidence to include passport stamps, hotel reservations, other attempted fraudulent charges, and further evidence of my location at the time being in XXXX XXXX XXXX was provided . XXXX XXXX I filed a complaint with the XXXX. Since then I have called numerous times as Bank of America was making XXXX attempt to asertain information that would obviously clear the case up. In XXXX, while I was in XXXX XXXX XXXX I recieved a notification from BofA that the card ending in XXXX was trying to be used to withdraw money in XXXX. This was the cancelled card in question. I called and added this info to my claim. Still nothing. Today, XX/XX/XXXX I got a email saying my claim was again denied citing the same reason as before. I called again and requeted all information be physically sent to me regarding the evidence they used in the decision.

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 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The bank has advised me that my account will be closed and funds be held for 120 days. They have not advised on a reason for this, however this funds freeze comes ff of the back of a previous complaint that I laid against the bank ( COMPLAINT XXXX ). The original complaint was that I had clients that had paid me via credit card, the funds were reflecting as paid, but te bank would not release teh fuunds and could nt give me a reason why. after about 15 days of complaining I finally logged a complaint with FDIC yesterday. this morning I received notice that the account will be closed and that chase will hold teh funds for 120 days. This is what my new complaint is about. The major reason for this is taht, how is it ethical to hold teh finds for so long, and secondly, how do I explain to my client that although they have paid, they will not receive teh serices, and they will only get their monay back in 3 months time?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is attempting to collect an unlawful deficiency balance of {$14000.00} following the repossession of my XXXX XXXXXXXX XXXX ( account # XXXX ). I had paid approximately {$12000.00} on a loan originally around {$16000.00}. The vehicle was repossessed and sold at auction for only {$3100.00}, which is significantly below its market value of ~ {$10000.00}. This debt is disputed based on XXXX violations of Florida law : 1. * * Florida Statute 516.31 ( 3 ) : * * My past-due balance at the time of default was less than {$2000.00}, which bars the lender from recovering any deficiency judgment. 2. * * Florida UCC 679.610 : * * The sale price of {$3100.00} was commercially unreasonable. XXXX XXXX XXXX has also provided contradictory information, offering a {$4300.00} settlement while reporting {$14000.00} as a charged-off debt to credit bureaus ( e.g., XXXX as recently confirmed by my spouse, who is also on the loan ). I previously opened an internal dispute ticket ( # XXXX ) with the company. I seek a full waiver of the alleged deficiency balance and the immediate removal of all negative reporting related to this repossession from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: AL

Complaint narrative:
This is a follow-up complaint to a previously submitted complaint against Nelnet. On XX/XX/year>, Nelnet responded to my credit dispute by sending a denial letter stating all credit reporting is valid and accurate and that no adjustment is needed to my credit file. Their denial did not address the core issue, that the late payment resulted from the confusion surrounding the end of the XXXX student loan payment pause, during which I was not notified that payments had resumed. I am attaching their denial letter as evidence. I am requesting that the CFPB escalate this matter and formally require Nelnet to conduct a thorough, documented investigation and remove the late payment notation from my credit report with all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was told by XXXX a representative of Navy Federal Credit Union that according to the underwriter I had to fix my fence and pool before they could approve the home equity loan which I was applying for to make the repairs I feel that I have been discriminated against based on XXXX profiling by Navy Federal Credit Union.. My home without these repairs was appraised for {$340.00}, XXXX. Remaining balance on my VA home is : {$210000.00}. I applied for a {$50000.00} home equity loan Which is not 75 % of my home value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management is reporting a collection account on my credit reports with a Date Opened of XX/XX/XXXX ( Midland 's acquisition date ) and balance of {$7100.00}, originally from XXXX XXXX XXXX XXXX I have requested verification of the Date of First Delinquency on the underlying XXXX account, chain-of-title documentation proving Midland 's ownership, and full validation of the debt under FDCPA section 1692g. I filed bureau disputes on XX/XX/XXXX at XXXX ( under review ) and XXXX ( confirmation # XXXX ). I am asking the CFPB to require Midland to either fully validate the debt with original XXXX account documentation or delete the tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: NY

Complaint narrative:
I opened an unauthorized fraud dispute with Citibank on XX/XX/year>. The phone representative incorrectly coded my dispute as a merchant dispute ( 'returned or canceled goods ' ) instead of an unauthorized fraud claim. This is a violation of my consumer rights. Because it was an unauthorized charge, I am demanding Citibank re-code this transaction as fraud, honor my original XX/XX/XXXX filing timeline, and immediately issue the required provisional credit while the investigation takes place.

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 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint against Equifax for continuing to report inaccurate and misleading late payment history on several accounts despite multiple prior disputes. These accounts continue reporting false delinquency history and materially inaccurate account information that do not accurately reflect my actual payment history. The following accounts remain in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts continue reporting inaccurate XXXX, XXXX, and XXXX late payments along with incorrect dates opened, incorrect dates last active, incorrect dates last reported, incorrect dates of last payment, and inaccurate credit limits. XXXX account is also reporting a billing error despite being paid as agreed. Under FCRA 607 ( b ) and 1681i, Equifax is legally required to ensure maximum possible accuracy and conduct a lawful and reasonable reinvestigation of disputed information. Despite prior notice, these inaccuracies continue reporting and are causing substantial harm to my credit profile.

Company response to consumer: Closed with non-monetary relief