vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I am submitting this complaint to request an executive-level XXXX  review related to a one-time 30-day late payment reported by Rocket Mortgage.

I want to be clear that I am not disputing the accuracy of the reporting. I understand Rocket Mortgages obligations under the Fair Credit Reporting Act.

The late payment occurred during a period of active XXXX XXXX, including XXXX  appointments and medical complications that directly impacted my ability to manage billing during that month. This was an extraordinary medical hardship, not a pattern of delinquency. 

Before and after this isolated incident, my mortgage payment history has been positive and consistent. I have otherwise maintained strong credit and value my relationship with Rocket Mortgage. 

I contacted Rocket Mortgage to request a XXXX  adjustment, but received a response citing regulatory requirements without addressing whether discretionary XXXX  consideration was reviewed. 

I am respectfully requesting that Rocket Mortgage conduct an executive-level XXXX review of this one-time late payment in light of documented medical hardship and long-standing positive payment history. 

I appreciate the CFPBs assistance in ensuring this request receives appropriate escalation and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
had a checking account with TD bank where I had Some {$1500.00} I am an old retired person living on social security The bank decided to close my account for no apparent reason To make things worse, I was told by the banker I spoke with at the XXXX XXXX branch that I will receive my money within XXXX  days via check Do I have to stay without my money for 30 days, which is going to create a lot of hardship on me let alone make me miss paying some of my bill payments. And possibly face penalties for that I demand the bank sends me my money within a few days. Not 30 days Or I am going g to bring a law suit against it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Subject : Failure of Guaranteed Asset Conversion and Stalling by Coinbase/XXXX The Issue : I am reporting a deceptive service failure by CoinbaseXXXX regarding a promised cross-chain conversion. The platforms user interface explicitly advertised a feature to receive XXXX on the XXXX XXXX  and automatically convert it to XXXX on the XXXX network. However, after I followed these instructions, my funds disappeared within their system, and support has failed to resolve the issue after 7 days. 

Timeline and Facts : Official Instructions : The CoinbaseXXXX  app displayed a screen titled " Receiving XXXX on XXXX converts it to XXXX on XXXX. '' It provided a specific XXXX ( XXXX ) wallet address : XXXX  ... XXXX  and stated, " We will convert it to XXXX on XXXX. '' Transaction Details : Relying on this guarantee, a transfer of XXXX was sent to the provided address. 

Blockchain Confirmation : The transaction is successful and confirmed on the XXXX blockchain with TxID : XXXX. 

Failure to Credit : The funds reached the address controlled by Coinbase/XXXX, but the promised conversion to XXXX on XXXX never occurred. My assets are currently being held by the company without being credited to my account. 

Company Response : I have contacted Coinbase support daily. For 7 days, they have provided no solution, repeatedly telling me to wait while failing to acknowledge that the error lies in their own bridging infrastructure. They are currently withholding my property despite clear evidence of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have used the Home Depot Credit Card, issued by Citibank, for over a year to finance major home improvement purchases, including windows and doors. I have successfully paid off prior large balances using 0 % promotional financing and have always managed my account responsibly. 

I currently have multiple individual promotional balances on my account. Until recently, the Citi website included a feature that allowed cardholders to direct payment allocation to specific promotional balances. I used this feature regularly and accessed my account online at least twice per month. 

In XXXX, I noticed that this payment allocation page had been removed from the Citi website. I did not receive any advance notice or explanation of this change. I emailed Citibank twice in XXXX to request assistance with updating my payment allocation and was instructed to call customer service. When I called, I was told that payment allocation could no longer be changed. I also contacted Home Depot to ask whether payments could be applied to specific promotional balances or whether the issue could be escalated to Citibank ; they stated they were unable to do either. 

When I asked why the payment allocation feature had been removed, I was told that it was removed because customers were complaining about that feature. No further explanation or alternative option was provided. 

This change effectively alters how the card functions and removes a previously available consumer control without warning. Without the ability to prioritize payments toward larger or expiring promotional balances, cardholders face an increased risk of deferred interest being retroactively applied, potentially resulting in significant unexpected charges. This places consumers at a disadvantage and appears unfair, particularly given the lack of notice or replacement option. 

Due to the lack of transparency and control over payment allocation, I am currently making small test payments of a few XXXX dollars over several weeks solely to observe how Citibank applies them across balances, which is inefficient and should not be necessary for responsible account management. 

I am requesting review of this practice and clarification as to whether the removal of this feature without notice is consistent with consumer protection requirements.

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 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing a collection tradeline reported by LVNV Funding LLC ( care of Resurgent Capital Services L.P. ) and published by XXXX XXXXXXXX XXXX XXXX. 

As reported bXXXX XXXX, the account details include : LVNV Funding LLC ( Account ending XXXX XXXXXXXX ) XXXX Reported balance : {$110.00} and amount past due {$110.00} XXXX  XXXX XXXX Account / collection reporting XXXX Date Opened : XX/XX/XXXX XXXX Date of First Delinquency : XX/XX/XXXX XXXX Date Major Delinquency XXXX Reported : XX/XX/XXXX XXXX  This reporting is internally inconsistent and not capable of reasonable verification. The Date of First Delinquency ( XX/XX/XXXX ) predates the Date Opened ( XX/XX/XXXX ) by more than XXXX years, which indicates inaccurate delinquency reporting and/or improper re-aging. A tradeline can not accurately have a first delinquency date that predates the date the account was opened as reported on the same credit file. 

In addition, LVNV is a debt buyer, and XXXX is publishing this collection without sufficient detail demonstrating accuracy, including : A complete chain of title/assignment establishing LVNVs authority, An itemized accounting supporting the {$110.00} balance, Documentation linking the alleged obligation to me and confirming the correct delinquency timeline. 

I am requesting that LVNV Funding LLC and XXXX correct or delete this tradeline. LVNV, as a furnisher, must conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ) and can not continue furnishing information that is inaccurate or can not be substantiated. XXXX  must ensure maximum possible accuracy and conduct a reasonable reinvestigation under 15 U.S.C. 1681e ( b ) and 1681i ( a ). 

Because the account contains contradictory delinquency/opening dates and can not be reasonably verified with competent documentation, I am requesting permanent deletion of the LVNV Funding LLC tradeline from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
There is an account under the name LVNV FUNDING LLC attempting to collect {$320.00} from me and reporting on my XXXX report as well as others. The account was opened on XX/XX/year>. 

Pursuant to 18 USC 8, i owe no debt, this company violates a number of my consumer rights which include : 15 USC 1681b ( 2 ), these accounts must have a permissible purpose; under 15 USC 1681 ( 4 ), they must be accurate and verifiable; under 15 USC 6802, my financial information must remain private without proper authorization ; and under 15 USC 1681e ( b ), you are required to ensure maximum accuracy. An account was unlawfully opened in my name, resulting in unauthorized access to my personal information and misuse of my credit report. Additionally, the inaccurate reporting on my credit file reflects a failure to maintain reasonable procedures to ensure maximum possible accuracy as required by federal law. I request that the CFPB investigate this matter thoroughly and ensure corrective measures are taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I received a letter from PayPal in the mail about an upgrade that my PayPal Credit digital line will be applied. It announced that I will receive a physical card to make purchases everywhere XXXX being accepted in store or online. It mentioned that I will receive the same special financing promotion of no interest if paid in full in XXXX months for purchases of {$140.00} or more. This special financing promotion should be applied to purchases made with both PayPal Credit card or the PayPal Credit digital line. I confirmed this information by visiting their Website. PayPal announces this way in their Website. I received my physical card in about XX/XX/year>. On XX/XX/year>, I decided to make a purchase in a XXXX store for {$410.00} with my PayPal Credit physical card. When I checked out my PayPal Credit account online, I noticed that the special financing promotion was not applied to this purchase. This promotion is applied automatically for purchases over {$140.00}. I called to the telephone provided in my PayPal Credit account for customer service support ( XXXX ) on the next day ( XX/XX/year> at XXXX ), and a customer service representative informed me that the special financing promotion was not applied to this purchase, because I did it with the physical card instead of the digital line. I informed to her that the announcement does not say that.

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 2026-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Capio Partners, LLC
State: FL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX shady XXXX XXXX XXXX [ Holiday, FL, XXXX ] [ XXXX ] [ Phone Number optional ] Date : [ XX/XX/year> ] Via Certified Mail / Return Receipt Requested [ XXXX XXXX XXXX ] [ Dept. XXXX P.O. XXXX XXXX ] [ XXXX, TX XXXX ] Re : Cease and Desist Alleged Account # [ Account Number, if known ] To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified that you must immediately stop all forms of communication with me, including but not limited to telephone calls, letters, emails, text messages, or communication through third parties. You may only contact me to : 1. Confirm that you will comply with this request, or 2. Notify me of any specific legal action you intend to take. This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is simply a formal demand that you comply with federal law. If you fail to comply with this request, I will document all violations and may pursue remedies available under federal and state law. Please govern yourself accordingly. Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered inaccurate accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Ally Bank for their persistent failure to cooperate with a standard out-of-state vehicle registration transfer, which is causing significant legal and financial risk. 

I recently relocated from Arizona to California. To register my vehicle ( XXXX XXXX XXXX, XXXX : XXXX ) in California, the California Department XXXX XXXX XXXX ( XXXX ) requires the lienholder ( Ally Bank, Account XXXX ) to mail the original physical paper Title directly to the XXXX XXXX for verification. 

Despite multiple attempts to resolve this through XXXX customer service and their titling department via email and phone, the bank has been unresponsive or has provided incorrect information. They have repeatedly failed to acknowledge that California is a " Title-holding state '' for these transfers and continue to ignore the requirement for a physical document, mistakenly relying on the Electronic Lien and XXXX ( ELT ) system which is not reciprocal between Arizona and California for this purpose. 

I rely on this vehicle for my daily commute. My out-of-state registration is nearing expiration ( XX/XX/XXXX ). Ally Banks failure to perform this administrative duty is preventing me from complying with California state law, leaving me at risk of : XXXX. Significant late registration penalties from the CA XXXX. 

XXXX. Potential citations for driving an unregistered vehicle. 

XXXX. Potential lapse in insurance coverage due to improper registration status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: SC

Complaint narrative:
I did not know this was on my file until I checked it a year ago. So we started tring to call them over a year ago. And they said it was in an attorneys hands. I asked for detail charges. they would not and could not provide. So I disputed with the credit bureau. They didnt answer in 30 days it came off. This went on for a year. So finally we did a complaint with you all. You all closed the complaint XXXX they sent a bill with just the balance was. They have never sent a copy of charges. XXXX I have told them from the start this is fraud. Once again they sent me XXXX months of XXXX bills which I will enclose. Just shows balances. I think this has gone on long enough. Its been going on for a year and next year XXXX it will be a XXXX XXXX XXXX account. They dont send the information on a timely basis XXXX they know they can just go back and place it back on the credit file. And send a bill with just balances. I repeat no itemized charges. Its fraud. I did not make those charges. Remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My Capital One account was past due in XX/XX/XXXX. I paid a payment late and my account was restricted from making any charges. I brought the account up-to-date on payments in XX/XX/XXXX. The Capital One company sent me a letter dated XX/XX/XXXX that states : You're already on your way. 

Getting your charging privileges back is the next step. 

Re : Your account ending in XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX 

Thank you for bringing your XXXX XXXX up to date! To show our appreciation, we'd like to give you the opportunity to regain use of your credit card. 

All you have to do is keep your account up to date for the next three statements and we'll automatically restore your charging privileges. 

Please keep in mind : -All terms for your account will remain the same. 

-In order to use your card, a portion of your credit limit must be available, and your card must otherwise be in a usable status. 

If you don't want to regain charging privileges and would rather close your account, give us a call at XXXX. We're available XXXX hours a day, 7 days a week. 

Sincerely, Capital One | Customer Care Team I paid four consecutive payments on time which posted : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

On XX/XX/XXXX I checked my Capitol One account and it was still restricted without any restoration of my charging privileges. 

I called Capital One and inquired as to why my card was still restricted after the three consecutive payments had posted for three months in concert with the terms of the agreement sent to me by the company. Both attendants verbally acknowledged on a recorded line that the terms of the letter had been met by my payments. However they both added additional verbal stipulations they insisted were non-written terms and conditions that I had to adhere to outside of the details in the letter sent to me : I would not be automatically unrestricted until the end of the statement on XX/XX/XXXX and there would be an additional waiting period of two to fourteen days after XX/XX/XXXX before the system would unrestrict my card and/or charging privileges. 

I did not agree to additional terms and conditions when I entered into this written contract with Capital One on XX/XX/XXXX. They verbally and materially modified the conditions outside of what is written on the document they sent me after I upheld my end of the contract. I was not informed of any waiting period nor delay in the auto-unrestriction process. When I asked both attendants about this new condition they told me Capital One should have communicated the timeline in the letter sent on XX/XX/XXXX. 

My account remains restricted even though my three consecutive payments have been recorded by Capital One for three statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
What happened? 

I entered into an auto loan in XX/XX/XXXX. Due to payment issues in early XXXX, the vehicle was involuntarily repossessed on XX/XX/XXXX and sold on XX/XX/XXXX. The lender reported a deficiency balance of approximately {$23000.00} and later applied a refund of {$7000.00} for canceled protection products. 

I filed this complaint after identifying inaccurate and inconsistent credit reporting related to this account. The lender acknowledged in writing that at least one consumer reporting agency was reporting an incorrect balance and last reporting date and stated that a correction would be submitted. 

Despite this acknowledgment, my credit reports continue to reflect conflicting information. The account shows a last payment date of XX/XX/XXXX, even though the vehicle had already been repossessed and charged off months earlier. The account is also reported with ongoing monthly derogatory statuses after repossession, while listing the worst payment status as only 6089 days late, which does not accurately reflect a repossession and charge-off. 

Additionally, the lender has not provided documentation demonstrating that the repossession sale was commercially reasonable, including details regarding the method of sale or valuation. The refund for canceled protection products was applied after the deficiency was calculated, which may have inflated the balance and caused additional interest to accrue. 

I am requesting assistance to ensure the account is accurately reported, properly supported, and corrected or removed if the information can not be fully substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
There is an account under the name ALODUS AND ASSOCIATES attempting to collect {$670.00} from me and reporting on my XXXX  report as well as others. The account was opened on XX/XX/year>. 

Pursuant to 18 USC 8, i owe no debt, this company violates a number of my consumer rights which include : 15 USC 1681b ( 2 ), these accounts must have a permissible purpose; under 15 USC 1681 ( 4 ), they must be accurate and verifiable; under 15 USC 6802, my financial information must remain private without proper authorization ; and under 15 USC 1681e ( b ), you are required to ensure maximum accuracy. An account was unlawfully opened in my name, resulting in unauthorized access to my personal information and misuse of my credit report. Additionally, the inaccurate reporting on my credit file reflects a failure to maintain reasonable procedures to ensure maximum possible accuracy as required by federal law. I request that the CFPB investigate this matter thoroughly and ensure corrective measures are taken.

Company response to consumer: Closed with explanation