vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
PORTFOLIO XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO XXXX 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 non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Multiple numbers call me saying I have a lawsuit pending against me through kay jewelers, when that case has been dealt with and closed since XXXX or XXXX. I tell them I have all the receipts and information from it and " nothing matches '' and they will send to a " prosecutor '' or " garnishment services '' I only had XXXX account through kay jewelers and went to court for it and paid the debt in XXXX or XXXX. How can I stop these third party calls from harassing me acting like they will take everything I own, which I know they can't.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I purchased a pair of shoes using XXXX XXXX linked to my Chime account. The seller advertised the shoes as authentic, but the item I received is counterfeit. I contacted the seller to request a return and refund, but they refused. I filed a dispute with Chime, but it was denied without properly investigating that this is a case of fraud and misrepresentation. I am requesting that this transaction be reviewed as a fraudulent purchase and that my dispute be reopened.they also put my dispute into their own words they didnt mark the dispute as fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX regarding the reporting of a collection account on my credit report for which I have no knowledge, no contractual agreement, and no business relationship. I am formally disputing this account in its entirety and demanding immediate deletion. Pursuant to 15 U.S.C. 1692g, I am requesting full and complete validation of this alleged debt. As of this complaint, no documentation has been provided to substantiate : Any signed agreement or legally binding contract bearing my signature Proof of any transaction or obligation connecting me to this alleged debt A complete and accurate accounting of the amount claimed Proof that XXXX XXXX XXXX has the legal right to collect on this account Failure to provide such documentation renders this debt unverified and invalid. Furthermore, under 15 U.S.C. 1681e ( b ), all information furnished to consumer reporting agencies must be accurate and verifiable. Reporting a debt without proper validation is a direct violation of the Fair Credit Reporting Act. Additionally, under 15 U.S.C. 1692c, you are hereby notified that this debt is disputed, and all communications must comply strictly with federal law. At this time, XXXX XXXX XXXX is reporting information that is unverified, inaccurate, and damaging to my credit profile. This is unacceptable. Therefore, I demand the following : Immediate deletion of this account from all consumer reporting agencies Written confirmation that this account has been removed Cessation of any further reporting or collection activity related to this matter If XXXX XXXX XXXX is unable to provide proper validation, continued reporting of this account will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, for which both the furnisher and any reporting agencies involved may be held liable. Be advised that I am fully prepared to pursue all available remedies, including additional regulatory complaints and legal action, should this matter not be resolved promptly. I expect a timely and compliant response confirming deletion.

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 2026-04-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I used my capital one credit card to reserve hotel of XXXX in XXXX on XX/XX/year>. I received an email saying that I could not cancel, which i disagreed. So I called XXXX for cancelation on XX/XX/year>. I was told there will be a canceling fee, and I instructed XXXX to cancel. Meanwhile, a dispute case was established at capital one. I supplied all documents to capital one but documentation was rejected by capital one. Capital one was asking cancelation confirmation, which i never received. This credit card company does not protect my interest and favors XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
Honda Financial Services failed to verify my insurance coverage despite repeated written notice that I had concerns about the legitimacy of the policies bound at XXXX Honda at inception and that litigation was pending. Honda refused to confirm binding dates, lienholder accuracy, or provide documentation, and continued relying on unverified insurance information. At origination, XXXX Honda represented that hardship options ( extensions, deferrals, temporary forbearance ) were available if I experienced financial or insurancerelated hardship. When I later requested assistance due to insurance irregularities and litigation, Honda denied these options existed, refused to disclose programs, and refused to escalate to compliance. This is a failure to disclose material terms and a deceptive practice under UDAAP. Honda repeatedly contacted me through unverified numbers, refused to identify callers, ignored my written request for emailonly communication, and used pressure tactics. This constitutes harassment and communication abuse. Honda staff repeatedly stated we will not escalate this, we dont have a compliance department, and we dont have to respond, despite federal requirements to escalate disputes involving insurance legitimacy, hardship requests, and potential fraud. This violates CFPB servicing rules and internalcontrols expectations. I have preserved emails, call logs, read receipts, and written notices showing Honda had actual notice of all issues. I request that CFPB require Honda to : provide a written, executivelevel response ; verify insurance legitimacy in writing ; disclose all hardship/forbearance options ; provide call logs and internal notes ; cease harassment ; correct any misreported information ; and identify the compliance officer assigned to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CO

Complaint narrative:
Eastern Account System is reporting a collection for a XXXX account that has a {$0.00} balance. I have verified with the creditor that no debt is owed. I have disputed this twice with the credit bureaus. XXXX has already investigated and permanently DELETED this item as unverifiable. However, XXXX and XXXX refuse to correct my report and are now " re-aging '' the account by updating the status dates to XX/XX/year>. This is a willful violation of the Fair Credit Reporting Act ( FCRA ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: OH

Complaint narrative:
I have NO idea where this came from. I have had insurance this entire time and any time I had medical bills it was reported to my insurance provider. I have contacted and received no information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX That is the previous report I did for CFPB but was not able to add additional information. On or around XXXX, I was first contacted by the individual involved. The interaction began through XXXX, and dating app. The individual presented themselves as potential long term partner and in business investment. Over time, the individual built trust with me through ongoing communication and fake love scheme. They presented themselves as credible and trustworthy, often discussing investments, financial success, or personal connection. This created a sense of legitimacy and confidence in their claims. On or around XXXX XXXX, I was introduced to what was presented as a legitimate investment opportunity. I was provided with apps, websites, screenshots, or instructions that appeared professional and credible. I was instructed to send money through bank transfer, wire, XXXX, and crypto with the understanding that these funds were being invested. I was given specific instructions and reassured that the transactions were safe and part of a legitimate process. Between end of XXXX and most transactions in XXXX, I sent multiple transactions totaling approximately $ XXXX. These transactions were made based entirely on the belief that I was participating in a legitimate investment opportunity. After the initial transactions, I was encouraged to send additional funds. The individual used tactics such as pressure, urgency, promises of returns, emotional influence to maintain my trust and encourage further payments. On or around end of XX/XX/year>, I began to suspect fraudulent activity when I was questioning about tax form, unable to withdraw funds, excuses, account locked. At that point, I realized I had been deceived. Actions Taken Immediately After I took the following actions : - Contacted my bank to report the fraud - Filed a police report - Attempted to dispute and recover funds - Filed complaints with regulatory agencies Despite providing documentation and explaining the situation, my claims have been denied and classified as a scam. However, I maintain that these transactions were made under fraudulent misrepresentation and should not be considered valid authorization. This timeline demonstrates that I was systematically deceived into authorizing these transactions under false pretenses. I have multiple denied/unapproved disputes that came back. If we could re-evaluate and appeal them again by putting it under fraud I would appreciate it.

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 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I have a bank induced overdraft fees that have been caused by delayed fraud review after I complied and gave all of the information requested by Chase. It's caused financial harm to my business operations and it doesnt look to be resolved on there end for another 1-3 days. This has been a problem for 7 days and I'm requesting reimbursement and corrective actions. I cant even get in touch with managers every time I call they're always busy and need 24-48 hours to get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: Chime Financial Inc
State: FL

Complaint narrative:
My account was closed do to fraud activity they said. I left someone use my account and they messed up my account. Before they closed it I already had money in my account and Now they are not trying to send me the money that was in my checking and savings its about XXXX all together I just want my money i dont care about the chime account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I bought a car from off lease only on or around XX/XX/year> in details this what happened XXXX. Price Discrepancy ( Bait and Switch ) : At the time of purchase, I was quoted a sales price for the XXXX XXXX XXXX of approximately {$21000.00}. However, the contract I was presented with ( and which Capital One financed ) lists a " Cash Price '' of {$28000.00}. This represents a non-disclosed price hike of over {$7000.00} above the agreed-upon price. XXXX. Unauthorized/Hidden Add-ons : The dealer added {$6000.00} in fees and optional products to the loan that were either misrepresented as mandatory or added without my informed consent. These include : {$2800.00} for a Service Contract ( XXXX XXXX ) {$1200.00} for GAP insurance {$490.00} for XXXX XXXX XXXX XXXX {$990.00} in Dealer/Electronic Filing fees 3. Impact : These deceptive actions inflated a roughly {$21000.00} purchase into a {$34000.00} amount financed, resulting in a total payment obligation of {$41000.00}. everything was done electronically on a IPad the manager provided he told us one thing but it was something else not only that we didnt receive a full copy of the contract

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Roadrunner Account Services, LLC
State: OR

Complaint narrative:
I made my required monthly payment in late XXXX for the XX/XX/XXXX through XX/XX/XXXX billing cycle, which satisfied my obligation for that period. Despite this, the lender still initiated an automatic ACH withdrawal on XX/XX/XXXX. That transaction was later canceled and never completed. The lender is still charging an insufficient funds fee tied to that canceled autopay attempt, even though no completed transaction occurred and the billing obligation had already been satisfied. In a separate incident in XXXX, I had recently switched bank accounts and there was a delay in funds becoming available. When the payment attempt failed, I immediately made the payment upon notification. I contacted the lender and requested correction. The issue was reviewed, and while some fees were reduced, the company refused to remove the remaining fee tied to the canceled XXXX autopay attempt, stating that their system drafts regardless of additional payments. I am not disputing general policy, but rather the application of a fee to a transaction that did not settle and was not a valid payment obligation. I am requesting removal of the remaining fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: TX

Complaint narrative:
Hi, The Scammer Scam My Brain And Money, Made Me Transfer Him The Money Through XXXX {$250.00}, Without Finishing The Work On Fixing My Roof Leak, Took My Money And Leave, Didn't Give Me A Receive Or Warranty Or Anything. I Took A Picture Of The Scammer Merchant Car License Plate # And Submit To The Bank Of America, But They Wouldn't Give Me My Money Back!!!

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 2026-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
On XX/XX/XXXX, I contacted Rocket Mortgage after receiving a cure letter demanding {$10000.00} by XX/XX/XXXX to avoid loan acceleration and foreclosure proceedings. I was told no loss mitigation options were available at that time and was instructed to call back on XX/XX/XXXX. On XX/XX/XXXX XXXX days before my cure deadline I called Rocket Mortgage three times. Each time I was refused a loss mitigation evaluation. The only option presented was a repayment plan requiring double my current monthly payment, which is financially impossible as I am the sole income earner in my household. At no point during any of these calls was I evaluated for an FHA Partial Claim, loan modification, or forbearance options I am entitled to be reviewed for under HUD/FHA servicing guidelines ( 24 CFR 203.605 ) and RESPA Regulation X ( 12 CFR 1024.41 ). A Rocket Mortgage representative confirmed on the XX/XX/XXXX call that I was eligible for a repayment plan or forbearance, yet closed the call stating there was " nothing '' that could be done. This conversation is available via voice recording. I believe Rocket Mortgage is in violation of the following : - 24 CFR 203.605 failure to evaluate for all available FHA loss mitigation options before proceeding with acceleration - 12 CFR 1024.41 ( RESPA Regulation X ) failure to complete loss mitigation review ; potential dual-tracking violation if foreclosure proceeds while options remain unevaluated - Rhode Island Gen. Laws 34-27-3.2 Rhode Island 's mandatory foreclosure mediation requirement, which I am hereby formally requesting By directing me to call on XX/XX/XXXX a date that makes any meaningful resolution before the XX/XX/XXXX deadline mathematically impossible Rocket Mortgage appears to have engaged in deliberate procedural delay constituting bad faith servicing. I intend to file complaints with the following agencies if this matter is not resolved immediately : - Consumer Financial Protection Bureau ( CFPB ) - U.S. Department of Housing and Urban Development ( HUD ) - Rhode Island Department of Business Regulation - Rhode Island Attorney General 's Office RESPA violations carry statutory damages of up to {$2000.00} per violation plus attorney fees. I am actively seeking legal counsel. I request an immediate written response and a full loss mitigation evaluation including review for an FHA Partial Claim before any foreclosure proceedings are initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On Sunday, XX/XX/XXXX or even before, PayPal allowed an unauthorized user to use my PayPal account for a fraudulent purchase which caused an issue now with my credit card company. Purchase was made through the PayPal account on a name that is not my name nor did I give permission for anybody else to use my account and they were still able to make a purchase through my PayPal without any notification from PayPal that someone else had access to my account. The way I found out was they used my email address which is still valid and my phone number. I contacted PayPal to report report the fraud and to close my account permanently. PayPal has not done anything thus far to let me know that they have looked into this. They have not contacted my credit card company who is still holding me responsible for the fraudulent amount. They did not contact the online consumer who completed the purchase and shipped the item fraudulent party in another state under another assumed name. They gave me quite an issue when I wanted to close my account and I had to speak to a supervisor at that time. I know they have not contacted my credit card company because I am in contact with them and nothing has been done with regard to this fraud other than the online company shipping the product and it being delivered today, Thursday. PayPal has since close my account, but that does not help me in the fraudulent purchase that was previously made through them and because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX I mailed receipts dated XXXX from a purchase that affected my credit. I sent it to XXXX XXXX XXXX. Customer service said to use XXXX XXXX XXXX because I didn't receive a response.\nThe problem is the 3 credit bureaus are showing purchase history with late and interest fees. This should never have happened because I owed nothing and was never mailed statements reflecting an outstanding balance. I wouldn't have known about this if it wasn't for a letter I received in XXXX XXXX saying Victorias Secret moved from Commenity Bank to Midland Credit Services. My bill accrued late fees and intrest and worked its way up to over XXXX This is no fault of mine and want the purchase history showing late fees and interest removed from all 3 credit bureaus. My credit is good but should be outstanding like it was prior to their error. \nI requested credit reports and disputed the matter 3 times. The only way 6 mos of purchase history can be removed and corrected is by Victorias Secret/Comenity Bank as it continues to reflect me as the negligent party. My report currently shows being charged off to $0.00 balance thanks to Midland. Thats no the problem, its the credit history (fees, interest etc) that makes me look like a credit risk and Im demanding it be removed.\nIm hoping the receipts I sent to XXXX XXXX XXXX were received or I will need to make additional copies.\nThank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation