vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
My XXXX XXXX gift card has been on hold by XXXX since a return of {$340.00} was made XX/XX/XXXX. I sent my proof of purchase, proof of return, and an email from the store XXXX of the XXXX  XXXX  store the return was made at confirming that the return was valid on XX/XX/XXXX. I called XXXX weeks later and they told me they did not receive my documents despite me sending them to the email I was instructed. I sent my documents again on XX/XX/XXXX XXXX the email I was instructed to send to, and once again did not hear back in the promised timeframe. They again told me they didnt receive the documents, so I sent them a third time on XX/XX/XXXX of XXXX. I did not hear back so I called and they said they did receive the documents, but I never got an email confirmation like they said I would. They told me to give them XXXX business days to resolve. The entirety of XX/XX/XXXX was spent by me calling the company every XXXX business days and them telling me they didnt have an answer. Then, in the beginning of XX/XX/XXXX they said they had escalated the case ( despite saying that multiple times before ) and requested I send my documents a XXXX  time even though they told me my documents were received XX/XX/XXXX. I sent the documents to the email address they instructed on XX/XX/XXXX for the XXXX  time and received an error message saying I was not allowed to send emails to that email address due to the companys restrictions. I called back, and after another XXXX minutes on the phone they told me to send it again to the original email address. So I sent my documents a XXXX  time to the instructed email address on the same day, XX/XX/XXXX, and never heard back. I called XXXX weeks later and they told me that they did not have an update but they would escalate my case again. I called today, XX/XX/XXXX, and they told me to wait another XXXX business days and that my case was still under review despite them having the documents since XXXX or in their version of events- XXXX. Either way, they are withholding my money and refusing to resolve my case despite having the evidence requested for multiple months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I am filing this complaint against Rocket Mortgage regarding a material principal discrepancy and defective execution on XXXX # XXXX. 

1. TILA Violation : My original loan amount was {$210000.00}. My current balance is {$230000.00}, an increase of over {$21000.00}. This increase does not match the 'Payoff Sheet ' provided at closing. I believe the Finance Charges were under-disclosed by more than the {$100.00} legal tolerance permitted by TILA.

2. Defective Execution ( Name error ) I was instructed by the lender to sign all legal documents using my former married name, even though I informed them my legal name had been restored to my maiden name via divorce decree. 

3. Disclosure Contradiction : My Closing Disclosure states 'No ' for Negative Amortization, yet my balance is growing monthly. I am requesting a full audit and principal correction. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, PayPal permanently limited my account after a review and stated that it could no longer offer services due to risk concerns. No specific activity or policy violation was identified. 

At the time of the limitation, my account contained a balance of {$110.00} from legitimate digital music-related payments, including payouts from established platforms and an individual customer. There are no disputes, chargebacks, or fraud claims associated with my account. 

PayPal informed me that my funds would be held for up to XXXX  days before being released, despite the lack of disputes or unresolved transactions. I requested clarification regarding the reason for the permanent limitation and asked whether my remaining balance could be released earlier due to financial hardship. 

PayPal did not provide a meaningful explanation for the account closure, did not identify the specific activity that triggered the decision, and stated that the decision was final and could not be appealed. I am unable to access my own funds for an extended period without clear justification. 

I am requesting assistance with obtaining transparency regarding the account limitation and access to my remaining balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I asked for an escrow analysis and for payments into escrow be lowered, they refused, even though I am paying way too much into escrow. By the end of the year I will have an excess of over {$9000.00} in escrow. I plan on refinancing in XXXX, but I want my overpayment of escrow refunded to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: UT

Complaint narrative:
Trying to pay off loan, payment portal does not work, phone number says to go to website/in app, phone number on both is listed as XXXX, chat feature disabled, no response from email attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/year>, I received a letter from XXXX XXXX XXXX XXXX, a XXXX  Attorney stating that a lawsuit in which I have not been notified or have any knowledge of was filed against me by Portfolio Recovery Associates for {$2300.00}. I have never had any business with this company. I have not borrowed any money nor requested any services from this company. This company has never had any contact with me and is not owed any money by me nor will they receive such. If this matter is not retracted immediately this company will be sued for fraud and defamation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an auto loan with Wells Fargo with an APR of XXXX  % and a required monthly payment of {$370.00}. For approximately the past XXXX years, I consistently made payments above the amount due ( on average about {$20.00} extra per month ) through Wells Fargos online payment system, with the intent of reducing my principal balance and paying off the loan faster. 
I recently reviewed my full payment history and discovered that my excess payments were not applied to principal, but instead were applied to a paid ahead status, advancing my due date. As a result, interest continued to accrue on a higher principal balance than necessary, despite my consistent overpayments. 
Why this is a problem I was not aware that excess payments made online would default to advancing my due date rather than reducing principal. The online payment system does not provide a clear option to designate payments as principal-only, nor does it clearly disclose that extra payments will not reduce principal unless additional steps are taken. 
I did not learn until last week, during a phone call with Wells Fargo, that in order for excess payments to be applied to principal, I would be required to call Wells Fargo each month and specifically request a principal-only payment, as there is no online option to do so. This requirement had never been disclosed to me previously. 
Because I learned of this only last week, the interest and time impact had already occurred. A reasonable consumer would expect that making payments in excess of the amount due online would reduce the loan balance and interest over time, particularly when no clear alternative or warning is provided. 
Had my excess payments been applied to principal as intended, my loan would have been paid off several months earlier, and I would have avoided unnecessary interest.

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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I had a loan with credit acceptance on a XXXX XXXX XXXX but I was hit by a XXXX in XXXX of last year and it totaled the car. Now they want me to pay {$5000.00} on the outstanding balance for that car when XXXX ) the wreck was not my fault and XXXX ) I had bought gap insurance on the car when I took out the loan. That is why I got the gap insurance- in case something XXXX  XXXX like this ever happened. These greedy XXXX XXXX  just want me to pay them for a car that has long since gone to the junkyard instead of going through the right process to collect the gap. I hate dealing with XXXX XXXX corporate bastards like this.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing the authority of JEFFERSON CAPITAL SYST, a third-party collection agency, to collect or report this account.

I do not recognize or agree that JEFFERSON CAPITAL SYST has legal authority to collect or report this debt. I have not been provided with documentation showing that JEFFERSON CAPITAL SYST owns the debt or has been properly assigned the right to collect or report it. 

On or about XXXX, I submitted a written dispute requesting validation of this debt and documentation establishing JEFFERSON CAPITAL SYST authority, including proof of ownership or assignment from the original creditor. and they did not provide adequate verification as required. 

Despite failing to validate the debt or demonstrate authority, they continue to report this account to the credit reporting agencies. Reporting an account without establishing ownership or collection authority is inaccurate and misleading. 

I am requesting that JEFFCAPSYS either provide proper documentation demonstrating its authority to collect and report this account or immediately cease reporting and collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: IL

Complaint narrative:
My student loan was transferred to a new servicer without my knowledge. I did not receive any notice of the transfer, billing statements, payment instructions, emails, or phone calls prior to the account being reported as delinquent.

These accounts have been active for over 12 years with perfect payment history. I became aware of the issue only after being notified of a significant credit score decrease ( approximately XXXX points ) due to delinquency reporting. 

On XX/XX/25 at approximately XXXXXXXX XXXX, I contacted the servicer by phone and spoke with two representatives. I was informed that notifications were sent, that no phone contact was attempted, and that retroactive administrative forbearance is not available. However, no copies of billing statements, delinquency notices, or proof of delivery were provided, and I verified that no such communications exist in my inbox, spam, or trash folders.

I subsequently submitted a written dispute requesting documentation of the loan transfer and servicing authority, copies of all notices allegedly sent, proof of delivery, and correction of inaccurate delinquency reporting. The servicer has reported the account as delinquent despite the lack of confirmed notice and while the dispute remains unresolved.

I am disputing the accuracy of the reported delinquency and requesting correction of inaccurate credit reporting resulting from lack of notice and servicing failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
on XX/XX/year> I went to the XXXX in XXXX New Jersey. I used the ATM machine to withdraw {$400.00}. The {$400.00} never came out the ATM machine stated approved. Then it said it was disapproved. The funds have not been returned to my account as of yet Every ATM has a camera. Every store has a camera where they can see that the money never came out the machine and the transaction was decline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On the morning of XX/XX/year>, I woke up to find that I had no cellular phone service. I went to my local cell phone provider and I for d out my cell phone was hacked. Upon restoring my service, I had multiple emails and text alerts of suspicious/possible fraud activity on multiple credit card accounts ; one being with my PayPal credit card. I immediately called them ( same day ) to dispute my charges. I was able to close my account and dispute several charges ; in addition to ordering a new card. However, my {$200.00} dispute has been denied and PayPal refuses to remove this fraudulent charge despite removing other fraudulent charges made that day. I have appealed this charge a total of three times and PayPal has refused to reverse the charge and refused transparency. Despite PayPal 's claim to protect the consumer, they have failed to insure my billing/consumer rights and protection.

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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
So i use pnc overdraft banking and its been consistent for months on the fee only XXXX dollars one time after ur account goes negative so i normally use my account as usual and overdraft fees totally adding up to {$140.00} in total for overdraft fees teo of them happened within the same day as i can see from my account which isnt okay

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
In late XXXX, Robinhood restricted and then closed my brokerage account without my request or authorization. At the time of the restriction, my account held approximately {$43000.00} in cash/positions, which I had fully liquidated months earlier. After closing the account, Robinhood stated that funds would be returned to their original sources. 

Beginning in early XX/XX/XXXX, Robinhood initiated fragmented deposits into my linked bank account in small amounts. These deposits totaled significantly less than the amount held in the account at the time of closure. After this, Robinhood claimed that all applicable funds were returned and deactivated my account with a reported balance of {$0.00}. However, I am still missing approximately {$20000.00} that has not been returned or accounted for. 

I requested a full accounting and reconciliation of my account balance and withdrawals, including transaction history and the total amount returned to each original funding source. Robinhood has refused to provide this information and stated that no further information is available. They also locked access to my transaction statements, preventing me from verifying their claims. 

Brokerage firms are required to accurately reconcile and return custodial funds and to provide statements that allow customers to verify account balances and transfers. Robinhood returned only a partial amount, did so without transparency, and is withholding remaining funds without explanation or documentation. 

To date, I have : Contacted Robinhood support Provided documents they requested ( bank statements, ID, etc. ) Received conflicting statements about my funds Still not received the remaining balance Still have no reconciliation or explanation I am requesting : ( XXXX ) A full reconciliation showing all transfers, the total amount returned, and any remaining balance ( XXXX ) Return of the outstanding balance that Robinhood has not released ( XXXX ) Confirmation that my funds were not misapplied or misclassified ( XXXX ) Access to my statements and account history This matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one closed my business checking account ending XXXX without notifying me, nor via email or mail. My account closed on XXXX but with balance of {$5000.00} still not received until today, made multiple calls to their customer service about the status of my remaining balance of {$5000.00}, no update until today, capital one customer service was rude and unprofessional!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation