vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint regarding a denied unauthorized transaction claim ( Claim ID : XXXX ) involving {$1000.00} in unauthorized debit transactions. My account was compromised in an account takeover. XXXX XXXX, involved in the same fraud event, has already confirmed unauthorized activity and issued partial reimbursement. Chime has denied my claim three times without providing : Transaction-level investigation results Evidence of authorization Device/IP verification Explanation of how fraud patterns ( rapid repeated transfers, Cash App activity ) were deemed legitimate Under Regulation E ( 12 CFR 1005.11 ), the institution is required to conduct a reasonable investigation and provide findings. A generic denial does not meet this standard. I am requesting : Immediate provisional credit or full reimbursement All documentation used in their investigation Explanation of how these transactions were verified as authorized Failure to comply will result in escalation to additional regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I am filing this complaint because Bridgecrest has failed to provide a complete and accurate post-sale accounting after repossessing my vehicle. My vehicle was repossessed on or about XXXX XXXX, 2026. According to Bridgecrests prior response, the vehicle was transported to auction on XX/XX/year>, and my account was charged off on XX/XX/year>. However, I have not received documentation showing whether the vehicle has been sold, the date of sale, or the sale price. I have also not received an itemized breakdown of repossession, storage, transport, or auction fees. In addition, I have not been provided with a clear statement of any remaining balance they claim I owe after the sale, or whether there was any surplus. I have previously requested this information and have not received it. Without this documentation, I am unable to verify the accuracy of the debt or determine whether I owe anything further. Additionally, Bridgecrest previously claimed that I was informed repossession could occur at any time. However, this does not reflect my experience. I was told by a representative that I had time to make my payment and that repossession would not occur immediately. Bridgecrest has not provided any call recordings, transcripts, or documentation to support their version of events. I am requesting a complete post-sale accounting, including : Date of sale Sale price Itemized fees Amount applied to the loan Remaining balance or surplus, if any

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: FL

Complaint narrative:
Had funds deducted from my account via digital draft without my consent or knowledge. We are both elderly and Bank of America keeps taking us off paper statements and putting us on digital which we do not know how to check the statements and is the reason why they are denying the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I sent an email request to Rocket Mortgage to ask about cancelling my PMI on XX/XX/XXXX after being on hold with them for 3 hours and the call getting disconnected. On XX/XX/XXXX they finally called me back. I missed their call and called back on XX/XX/XXXX. After not getting to speak with the representative for an hour I started speaking with to the chatbot and they connected me to what I assume is a real person. The real person informed me that my home is only appraised at {$650000.00} and I would need to pay an additional {$55000.00} to my primary to cancel my PMI. On XX/XX/XXXX, I had 26 % equity according to the load dashboard on Rocket Mortgage 's website. On XX/XX/XXXX, I had 19.5 % equity according to Rocket mortgage 's website. They are claiming I have only 12 % equity when considering the PMI, but claiming I have up to 26 % equity when trying to sell me HELOC. This is disingenuous. I did not choose Rocket Mortgage and would never recommend them to anyone. They clearly have predatory business practices and are trying to strong arm people into paying their loans early when they are trying to cancel their PMI. Its incredibly suspicious that my home value dropped from {$780000.00} to {$650000.00} when it benefited them to have a lower home value and equity. I have screen shots of the entire discussion with them if it helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: Chime Financial Inc
State: CA

Complaint narrative:
I was charged 4 transaction totaling {$1600.00} I immediately filed a dispute to chime about this transaction being unauthorized after 20 days of investigation they denied my claim without giving me any reason or any refund even as it was my cash that was used I'm not behind on rent and going through severe financial hardship due to their slow pace and negligence in investigation. They're hiding behind the fact this is a credit builder card but its my cash in checking account and not credit so though reg z should be E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credee Corporation
State: WA

Complaint narrative:
Keep calling back to back, texting multiple times but then wont respond back will text? XXXX and when answer the phone and speaking to service representative they are rude. Included pictures

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax , Experian, and Transunion have failed to maintain the accuracy of my credit information and have neglected their reinvestigation responsibilities. The bureau has, despite providing supporting documentation : Failed to carry out a reasonable reconsideration in accordance with 15 U.S.C. 1681i ( a ) ( 1 ). Failed to update or delete information that was incorrect, incomplete, or unverifiable within the allotted thirty days. In violation of 15 U.S.C. 1681e ( b ), failed to follow reasonable procedures to ensure the highest possible accuracy of the information in my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
On XXXX2026 I had an appointment with a service provider. The service provider did not provide services expected upon booking. The police was called and due the complaint they gave me an option to either pay her or not. It was my choice due to services and expectations. I provided the officer with {$60.00} cash and he wrote a report and sent us on our way. I later went to check my account and the stylist had charged my card on file for deposit only {$310.00}. I Immediately contacted my bank and let them know this charge was not authorized. The filed a dispute and not even seconds later i got a denied letter stating it was no error. I then called and questioned the process and provided the police report. My appeal was denied twice and I moved forward with escalating to get more additional information. I keep getting the run around from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing a complaint regarding the handling and reporting of my Apple Card account issued by Goldman Sachs. My account was compromised due to unauthorized access to my XXXX ID. During this incident : I was locked out of my phone, watch, and XXXX Unauthorized attempts were made to access my credit line I filed a police report documenting the situation I made multiple attempts to regain access to my account and continue making payments in good faith. However, instead of assisting me in restoring access or allowing me to manage the account, Goldman Sachs closed the account. The account is now being reported as a charge-off, which does not accurately reflect the circumstances. This situation involved documented fraud and account access issues that were outside of my control. I am requesting : A full review of this account and the circumstances surrounding the closure Correction of inaccurate reporting to the credit bureaus Consideration for removal of the charge-off due to fraud-related circumstances This inaccurate reporting is negatively impacting my credit and financial standing despite my efforts to resolve the issue responsibly. I have attached supporting documentation, including a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XXXX I made a purchase with the comenity XXXX card, which the amount was {$220.00}. Which I made a payment on the due date on XXXX XXXX 2026 of {$100.00} and then I proceeded to post another payment of the rest of the amount of {$120.00}, and what they state is I did not pay my bill on time which I did, and they where collecting interest and late fee of something that where already paid. Also they report my account to the credit bureau which I have excellent credit history and payment too, because of they neglect of reporting something not accurate my credit went down XXXX points and with a remark of late payment I need them to fix the matters.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: LA

Complaint narrative:
My name is XXXX XXXX, and I am XXXX XXXX XXXX. I am writing to formally dispute an inaccurate debt that has been reported on my credit report by Bull City Financial Solutions, supposedly on behalf of XXXX XXXX and XXXX. The debt in question totals {$1100.00} and is connected to account number XXXX. In 2025, around XXXX to XXXX, I temporarily placed utility services in my name at XXXX XXXX XXXX, XXXX, LA, for approximately one month to help a family member who was moving into that property after the previous resident, XXXX XXXX, had moved out. My permanent residence for over eleven years has been XXXX XXXX XXXX, XXXX, LA XXXX. When I opened the account, I was told there was a pastdue balance that existed before my service began. I paid the amount owed for my single month of service ; about {$180.00}, and closed the account immediately afterward. I never agreed to or was responsible for any previous charges connected to that address. However, I later discovered that a collection account for {$1100.00} had been reported in my name. This collection account reflects charges that occurred before my onemonth period of service and should correctly be attributed to the prior account holder, XXXX XXXX, not me. Despite my efforts to explain this to XXXX XXXX and XXXX when I closed the account, the debt was still placed on my credit report. As a XXXX woman, I feel that I am being unfairly targeted and taken advantage of because of my age, and that is not right. This inaccurate report has negatively impacted my credit and caused me unnecessary stress and hardship. I respectfully request that the CFPB investigate this matter and require Bull City Financial Solutions and XXXX XXXX and Sewer to remove this false debt from my credit report immediately. Although I have not attached documentation at this time, I am more than willing to provide proof of payment, address verification, and any related communication if requested. Thank you for your time and consideration. I deeply appreciate your help in ensuring that my consumer rights are protected and that this incorrect debt is removed from my credit record. Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX, LA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I went through the process of refinancing my mortgage. After looking over the final numbers, I called Freedom Mortgage on XX/XX/year>2026 to tell them that I did not want to refinance my loan. The representative asked me why and I said because my loan balance would be higher than I wanted it to be. She asked what I thought it would be and I told her the loan amount of {$240000.00}. She said that's not what it would be. She said it would be {$240000.00}. After she told me this information, I decided to go through with the refinancing. Once everything was complete, I looked at my new loan and saw that the amount was indeed {$240000.00}. I called Freedom Mortgage on XX/XX/year>2026 and after getting put on hold several times I was told a manager would call me back. I called again on XX/XX/year>2026 and tried to speak to this manager but was unsuccessful. I called again today XX/XX/year>2026 and spoke to a manager and was told there is nothing they can do. I asked the manager if she listened to the phone call when I was deceived and she said yes. This manager said her employee " misquoted '' me. However, I do not see it that way. I believe I was deceived into refinancing. I called them to cancel the process and they lied to me in order to get me to got through with it. I feel wronged. In my opinion this should be illegal. Freedom Mortgage records all conversations, so this is on record and if listened to will back up my statement. This also makes me wonder how many times it has happened in the past. Good people, XXXX, getting screwed over. It's frustrating. It needs to stop.

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 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, 2026, at approximately XXXX AM, I made a cash deposit at a Bank of America ATM in XXXX, New Jersey ( machine ID : XXXX, XXXX XXXX location ). Because I did not know the exact total at the time, I entered an estimated amount of {$10000.00}. The ATM issued a receipt showing that only {$300.00} was credited to my account, despite the fact that I deposited a substantially larger sum of cash. Later that same day, after returning home and counting my remaining funds, I confirmed that the total amount deposited was {$11000.00}. After accounting for the {$300.00} already credited, the bank still owes me {$11000.00}. I immediately contacted Bank of America on XXXX XXXX, 2026 to report the discrepancy and update the claim with the correct amount. Since that time, I have made multiple follow-up calls to ensure the correct information was recorded and investigated. Despite this, the bank issued a resolution containing a clear and material error. The resolution falsely states that I deposited {$910.00} in checks. This is completely incorrect. I did not deposit any checks whatsoeverthis was a cash-only transaction. The receipt provided at the time of the transaction reflects a cash deposit, directly contradicting the banks findings. This raises serious concerns about the accuracy, reliability, and good faith of the banks investigation. It is evident that the claim was either not properly reviewed or was handled negligently. The bank failed to properly reconcile the ATM, review transaction logs, or verify the nature of the deposit before issuing its determination. I have acted promptly, consistently, and in good faith to report this issue and provide accurate information. In contrast, the bank has failed to conduct a reasonable investigation and has relied on demonstrably incorrect information to deny my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
A few weeks ago, I noticed that my business credit card was not reporting to any business credit reporting agency XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX ). When I contacted Chase about why none of my business credit card usage was reported over the last few years, they stated that the account was opened under my Social Security Number instead of the business EIN assigned to my LLC, which I provided to a business banker when I requested the card roughly 4 years ago. Around XXXX XXXX, 2026, I contacted Chase 's Executive Office to attempt to get a resolution. They forwarded my complaint back to a branch to review. Within the last couple of days, Chase representatives called me back and told me that they could not make any changes or corrections to the credit card account or to any business credit reporting agencies to be associated with my LLC 's EIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: WY

Complaint narrative:
Capital One closed my checking account on approximately XXXX XXXX, 2026 and has been holding {$3000.00} of my funds in my checking and {$0.00} in my saving since that date. I have contacted Capital One multiple times, and they continue to tell me that my account is under investigation, but they refuse to provide any timeline for when my funds will be released or what specific condition must be met for release. The account activity in question involved receiving payments through XXXX related to a one-time personal sale ( a litter of puppies ). I was not aware that this type of use was restricted. I am not operating an ongoing business or breeding operation. It has now been over 40 days since my account was closed, and I have received no clear communication, no written explanation, and no estimated timeframe for when I will receive my remaining balance. I have also not been informed whether a check has been issued. I am requesting that Capital One : * Provide a clear explanation of why my funds are still being held * Provide a specific timeline for when my funds will be released * Immediately release my remaining balances This prolonged lack of transparency and access to my funds is causing financial hardship. I would like this matter resolved as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sensible Auto Lending, LLC
State: OH

Complaint narrative:
I sent validation letters in which they never replied. They ignored all communications and continued to collect without proving ownership or standing to enforce payment. Contract was unconscionable from the start.

Company response to consumer: Closed with explanation