vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I was victim of a bank fraud somedody make several withdrawal out my bank account in what's seems to be a cloned debit card Chase bank refuse to give my mone back with the amount of {$4400.00} the alleged that there is no such thing of withdrawal money with a cloned card the person entered in my account and transferred from my savings ti checking also added a mail address to get a new card Chase bank failed to stop this fraud because when chase send the text about the transaction I said no recognize this the did a lousy job o made a police report with the event number XXXX XXXX and I still waiting answer from the bank or the investigation Chase got all.my money at first I wasn't available to pay my bills and food for my XXXX XXXX because of Chase awful work Plese help me in this matter you all have a blessing day XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: PA

Complaint narrative:
I am filing a complaint against Rent Recovery Solutions regarding the inaccurate reporting of a collection account in the amount of {$1200.00}. This debt has been confirmed as invalid by the original landlord, who provided written documentation stating that I should never have been sent to collections. Additionally, another collection agency previously reporting this same account has also removed it after verifying the error. It has now been removed from XXXX XXXX XXXX Despite this clear and documented evidence, Rent Recovery Solutions continues to report this invalid debt, including to XXXX This has caused significant harm, including repeated housing denials and delays in securing an apartment, prolonging my move by over a month. I have provided supporting documentation confirming that this account is inaccurate and should not be reported. I have also sent this documentation to them via certified mail. Under the Fair Credit Reporting Act, companies are required to ensure the accuracy of the information they report and to correct or remove information that is verified as incorrect. I am requesting that Rent Recovery Solutions immediately delete this account from all credit reporting agencies and cease any further collection activity related to this invalid debt. I am also requesting confirmation once this has been completed. This situation is time-sensitive, as the continued reporting of this inaccurate account is actively preventing me from securing housing.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
" I requested the ATM surveillance footage and the machine 's internal transaction logs to verify that the cash was not dispensed. The bank refused to review or provide this evidence without a formal police report. However, local law enforcement declined to file a report, clarifying that a machine malfunction is a civil banking dispute and not a criminal incident. The bank is now using this lack of a police report as a pretext to deny my claim, even though they can verify the error through a physical cash audit of the ATM. '' XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CA

Complaint narrative:
On XX/XX/year>, I contacted my mortgage servicer, Mortgage XXXX Solutions, to complete a verbal lossmitigation application. I spoke with a representative named XXXX, who confirmed that my verbal application was completed and would be submitted for review. The application was never processed, and I did not receive any acknowledgment, followup communication, request for additional documents, or a written decision. Under RESPA/Regulation X, servicers are required to acknowledge and review lossmitigation applications and provide written updates and determinations. None of these required steps occurred. I made multiple attempts to follow up, but I still have not received any explanation or response. This failure to process my application has delayed my ability to address my mortgage situation and has caused unnecessary stress and increased risk of further delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: GA

Complaint narrative:
I am submitting this complaint regarding my credit card issuers handling of a billing dispute for merchandise that I never received. The merchant relied on proof of delivery that only shows the package was placed in a shared package room at my apartment community. That is not proof that I received or accepted the merchandise. I never signed for the package, never took possession of it, and never received the goods. This was not simply a missing package. It was a theft. XXXX, the package room provider, confirmed in writing that I did not successfully pick up the package and that, after reviewing video footage, the package was taken during a theft on XX/XX/year>. They also confirmed that an XXXX carrier code was used to enter the package room. I personally viewed the video footage with the property manager, and the footage showed that the person who removed the package was not me. The video footage has now been sent to the police officer who wrote the report. Despite this, my credit card issuer reversed the chargeback and treated the merchants photo of the package sitting on a shelf in the package room as sufficient proof of delivery. In my view, that ignored the critical fact that delivery to a shared package room is not the same as delivery to the cardholder. It also ignored the evidence showing that the package was stolen before it ever came into my possession. I attempted to resolve this with the merchant, but the merchant declined a refund or reshipment even after being provided with XXXX written confirmation and police report information. The carrier also declined responsibility. XXXX verbally stated that they would escalate the matter to try to get reimbursement if the merchant denied the request, but when I tried to follow up, they refused to place a supervisor on the phone. The property manager has also denied liability, even though the lease agreement states that photo identification must be shown in order to retrieve packages, which does not appear to match how access was actually being granted. I am asking the CFPB to review whether my credit card issuer properly handled this billing dispute. I never received the goods, and the evidence shows the merchandise was stolen before I ever had possession of it. I want my dispute to be fairly reconsidered based on the full evidence, not just a delivery photo showing the package in a shared room.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
A signed contract or agreement establishing my obligation - A complete chain of assignment showing legal ownership of the debt - A detailed itemization of the balance - Proof that the information being reported is accurate and complete. LVNV HAS NOT RESPONDED WITH ANY LEGAL BINDING AGREEMENT OR CONTRACT. LVNV IS REPORTING AS THE ORIGINAL CREDITOR. I have never had an account with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Subject To Whom It May Concern, I am submitting a formal complaint against a company regarding ongoing harassment and failure to comply with my requests to cease communication. Over an extended period, I contacted the company numerous times via chat, email, and phoneapproximately 25 separate attemptsexplaining that I was experiencing financial hardship and requesting assistance, including a reduction in fees to make repayment manageable. The company refused to provide any form of assistance. Subsequently, I informed the company multiple times, both in writing ( email and chat ), that I had enrolled in a debt resolution program and that I am represented by an attorney. Despite this, the company has continued to contact me directly. I have explicitly requested that all communications cease and that any further correspondence be directed to my legal representative. I also cited my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, the company has ignored these requests and instead escalated their behavior. I am now receiving daily communications, including repeated text messages and emails. After notifying the company that I intended to file a complaint, the frequency of these communications increased further. This pattern of conduct feels harassing, excessive, and intimidating. I am requesting that this matter be investigated. Specifically, I ask that the company be required to : Cease all direct communication with me immediately Direct all future communications to my attorney Review and address their collection practices for compliance with applicable laws I have retained records of my communications, including emails, chat transcripts, and logs of repeated contact attempts, and I am prepared to provide this documentation upon request. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: AZ

Complaint narrative:
Capital One offered me a chance to receive a credit card based on a 'soft ' credit pull. After they did the 'hard pull ' they offered me an unsecured card with a limit of {$3000.00} dollars. When I received the card they restricted purchases plus charged me {$39.00} for the card. After contact they wanted more information such as verification of income and address. I verified that my Social Security statement would be sufficient with along with a current statement from XXXX XXXX XXXX XXXX. I promptly sent these in and waited. After a week with no follow up, I called back and they stated my SS statement qualified for income but they couldn't use it for address confirmation, '' because they already used it ''. So they suggested to send the bank statement again. I promptly sent that and did not hear back again. I called about eight days later and now the statement wasn't good enough because the account number is partially blocked. I advised that this is a built in safety feature of XXXX, their bank and every other Bank. He said it wasn't good enough, find something else. I feel the company engaged in unfair/deceptive practices by soliciting a pre-approved offer and collecting an annual fee, then refusing to activate the account despite being provided with valid government ( Social Security ) and financial XXXX XXXX XXXX documentation. They accepted the SS statement for income but rejected it for address proves their verification process is inconsistent and arbitrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: DailyPay, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX is refusing to release a voided authorization hold of {$29.00} from XXXX that occurred on XX/XX/XXXX. It is now XX/XX/XXXX ( 11 days later ). I have provided merchant proof of cancellation via email, yet they continue to withhold my funds. No one has responded to any of my emails and the customer service line is refusing to transfer me to a supervisor. This is also causing a 'clog ' in my account where an XXXX charge is stuck at an inflated price ( {$38.00} vs {$33.00} ) and won't settle. This delay is preventing me from paying for my XXXX XXXX XXXX fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My XXXX account was recently flagged for fraud on my BMO account and I would like to clarify the situation. I am a private event decorator, and a client submitted a {$150.00} payment to secure my services. As clearly stated in my booking policy, all deposits are non-refundable. After making the payment, the client chose to cancel her services and requested a refund. When I upheld my non-refundable policy, she reported the transaction as fraudulent. This claim is inaccurate. The payment was willingly sent to me via XXXX as a booking deposit, not an unauthorized or fraudulent transaction. As a result of this false report, my XXXX account has been restricted. I have documentation and communication records that confirm the payment was legitimate and agreed upon. I respectfully request a review of this matter, as the claim of fraud is unfounded and has negatively impacted my business.

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 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Branch Messenger, Inc.
State: WI

Complaint narrative:
I have a debit card through a bank called " Branch '' that my employer, XXXX XXXX, uses. On XX/XX/XXXX at XXXXXXXX XXXX, my card was charged {$35.00} for an XXXXXXXX XXXX delivery in XXXX XXXX, California. Note, I live in XXXX, Wisconsin. I've never been to California and don't have XXXX XXXX, which I did tell my bank. Immediately after the first charge, another XXXXXXXX XXXX charge for {$47.00} was approved, followed by another XXXXXXXX XXXX charge for {$46.00}. Within 1 minute of each other, and in the same location. Also note, this is right by Branch headquarters and when I brought up the possibility of an employee using account holder cards, they brushed it off. I received text messages from Branch when this happened, alerting me of fraud, saying they denied the charges. The charges went through. I started a claim the morning of the XXXX. All three charges went through. I was only given provisional credits for the {$35.00} charge, while my other two charges were denied. They claim the first one wasn't me, yet the next two were??? How does that make sense! I provided them with proof of the fraud alert text where it claimed to have denied ALL THREE charges and that I responded it wasn't me playing the orders. I filed an appeal with immense evidence and was immediately denied, with XXXX investigation! Someone in the support email said to call, I tried everyday for weeks and the XXXX XXXX named XXXX said I wasn't " allowed '' to talk to with a real worker regarding my concerns. The email workers say to call, and the call bot says to email. I have been dealing with this, trying to contact this company for 2 weeks! I even provided evidence I was at XXXX in my XXXX, Wisconsin during the time these food orders in California were placed. I am only one of many Branch customers experiencing this! They are awful and could care less about their customers. They kept changing who was " on my case '' in the dispute email thread, all giving different phone numbers that don't work, and gaslighting me. I am seeking a law suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CA

Complaint narrative:
Subject : URGENT UPDATE - Unauthorized Permanent Modification and Rate Increase I am submitting this urgent update to my active complaint regarding XXXX XXXX XXXX continued deceptive servicing practices. Today, I contacted XXXX XXXX regarding the status of a pending FHA partial claim. I was informed over the phone that XXXX XXXX canceled the partial claim without ever providing me with any written or verbal notification. Furthermore, XXXX XXXX has placed my account into a permanent home retention program that alters my loan terms and raises my interest rate from 5.25 % to 6.875 %. This was done entirely without my signature, consent, or prior notification. I had explicitly informed the last two representatives I spoke with that I wanted to apply for a short-term forbearance. The representatives claimed today that I " only meet the FHA requirements for this permanent option, '' but XXXX XXXXXXXX has refused to provide the FHA loss mitigation waterfall calculation proving I was properly evaluated and denied for standard forbearance. I explicitly instructed them today to close this pending permanent modification. XXXX XXXX is violating FHA loss mitigation guidelines, failing to communicate claim statuses, and attempting to force an unauthorized, predatory rate increase without my legal consent. I am requesting the CFPB intervene to halt this unauthorized modification immediately and compel XXXX XXXX to provide the waterfall calculations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for reporting and attempting to collect a debt that has not been properly validated and is being reported inaccurately across multiple credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This account originates from Comenity Bank ( XXXX XXXX ) and was allegedly sold to XXXX XXXX XXXX. However, the information being reported is inconsistent, incomplete, and unreliable. I submitted a formal written debt validation request requesting : ( 1 ) a signed agreement, ( 2 ) complete chain of title, ( 3 ) bill of sale identifying my account, ( 4 ) full payment history, and ( 5 ) itemization of the balance. XXXX failed to provide these documents. Despite failing to validate the debt, XXXX continues to report this account as verified and continues collection activity. This constitutes a failure to conduct a reasonable investigation under FCRA 611 and the furnishing of inaccurate information under FCRA 623. Additionally, this account has already been removed from XXXX while remaining reported as verified on XXXX XXXX XXXX. This demonstrates inconsistent and unreliable reporting, which is prohibited under FCRA 1681e ( b ). XXXX has provided only generic statements and internal summaries, none of which constitute proper validation or proof of ownership. They have not produced any competent evidence demonstrating legal ownership of the debt or the accuracy of the reported balance. See Exhibit A ( original account ), Exhibit B ( charge-off and sale ), Exhibit C ( XXXX responses XXXX, Exhibit D ( validation request ), Exhibit E ( XXXX removal ), and Exhibit F ( inconsistent investigation results ). Based on the above, I am requesting immediate deletion of this tradeline from all credit reporting agencies. If XXXX is unable to provide complete validation and documentation as required by law, they must cease reporting and collection activity immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a call from XXXX. The agent advised her name was XXXX from Bank of America and she was checking on suspicious charges on my credit card. I have never done business with this bank and do not have a card with them. She said the card was under my name and had been used in New York to purchase firearms. That last 4 digits were XXXX. She had my full name, phone number obviously, and and old address of mine. I googled the phone number, which shows under Bank of America but there were also some references to it being a possible robocall. She was a human caller though. I advised it was fraud/identity theft asked for the fraud department. She gave me a ticket number XXXX and connected me with someone named XXXX. I advised the same and asked them to cancel the card as I was not the owner. I told him I would not verify any other information with him as I was not a customer and had not initiated the call. I repeated it was not my card, hung up and called the Bank of America fraud department at XXXX. After checking with them, they have nothing under me.

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 2026-04-21 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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