vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
To : XX/XX/XXXX Rocket Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. 


Re : Loan Number ( s ) : XXXX and XXXX Your firm has failed to do due diligence and extended not XXXX but XXXX Fraudulent loans to XXXX. XXXX XXXX. On or about XX/XX/XXXX your firm was advised by phone from XXXX XXXX XXXX XXXX that the first mortgage that was given to XXXX. XXXX should have never occurred as there were numerous liens on the property that needed to be resolved before any financing could be extended. 
The true owners of the property are XXXX XXXX XXXX and XXXX XXXX and have been scammed out of the property by XXXX. XXXX XXXX, see XXXX XXXX XXXX Quiet Title case XXXX and XXXX XXXX filings. 
This represents a failure on the part of your firm to do proper due diligence ( title search ) before extending a loan to someone, and I believe that your firm believes that they can then take over a {$1.00} XXXX property when the scammer ( XXXX ) fails to make the payments on the note. 
XXXX. XXXX has committed Mortgage Fraud by claiming on both loans that she was occupying the property as will as other lies regarding her income and sources of income.. 
And what is even worse is that you compounded the fraud by extending XXXX. XXXX another ( XXXX ) mortgage on the property when this same person was turned down for a mortgage by your HELOC division due to on-going litigation. 
Your firm has since sold the loans to XXXX XXXX / XXXX XXXX, clearly committing loan fraud.. 
CC : XXXX XXXX, XXXX XXXX, Consumer Financial Protection Bureau, House Judiciary Committee. 

Sincerely, XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX XXXX, Ca. XXXX Cell # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint against XXXX for the continued reporting of unverified and potentially inaccurate late-payment information on multiple accounts ( XXXX ) for the months of XXXX, despite my formal request for verification. XXXX has XXXX to provide documentation demonstrating how these alleged delinquencies were calculated, whether the accounts were actually past due at the time reported, or whether the reporting accurately reflects the account balances and statuses in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Reporting late payments without proper verification constitutes inaccurate and unlawful reporting and has caused direct harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC

Complaint narrative:
I was contacted by Shepherd Outsourcing , LLC regarding a collection account originally from XXXX XXXXXXXX XXXX  XXXX, now owned by XXXX XXXX XXXX, with a reported balance of {$620.00}. 

On XX/XX/year>, I received a validation notice. I responded by email requesting debt validation and account documentation, and later followed up again when no response was received. 

I did not receive any response to my emails. Due to the lack of response, I was forced to send a written letter by mail to request validation and clarification. 

Despite my attempts to resolve this directly, the collection account remains reported on my credit report without any response or documentation provided to me. 

I am requesting assistance because the company has not responded to my validation requests or engaged in good-faith communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I asked for debt validation it was not provided and it look like the debt was sold and place back on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am filing a complaint regarding a card transaction dispute with Chime. 
On XX/XX/XXXX, I paid {$350.00} using my Chime debit card for a party service. The merchant partially showed up, but the service provided was materially different from what was agreed to and did not meet the promised terms. 
I filed a dispute with Chime on XX/XX/XXXX for services not rendered as agreed and uploaded text message evidence showing what was promised versus what was delivered. 
More than XXXX days have passed with no decision, no provisional credit, and no clear resolution timeline. Chime has confirmed my evidence was received but continues to state only that the dispute is still under investigation. 
I am requesting that Chime complete the investigation promptly and issue the appropriate credit based on the evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
A payment was returned due to incorrect bank account information. The issue has been corrected. Im requesting a courtesy reversal of the returned payment fee and related interest, as this was not due to nonpayment. 

Payment on XX/XX/XXXX Returned Payment fee was charged to card {$30.00} XX/XX/year> I called and asked for the above refund and they denied my request. I told them it wasnt my fault since I made the payment over the phone and info was taken incorrectly. They still denied my request

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 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: MoneyLion Inc.
State: MA

Complaint narrative:
Money lion loan I opened XXXX $ I paid off early. They have not released by funds. They have no answer why, its my own cash not theirs!! When making a payment it says pay in full and your funds will be transferred to your money lion roar money banking account INSTANTLY

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Total Card, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am a New Jersey resident writing to formally dispute fraudulent and inaccurate information appearing on my consumer credit report. I did not authorize, open, use, or benefit from the account ( s ) and/or charges described below. 

This dispute is submitted pursuant to federal law and New Jersey state law, including but not limited to : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ) New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ) Fraudulent Information Being Disputed Creditor / Furnisher Name : Total Account Number ( partial ) : XXXX Date ( s ) reported : XX/XX/year> Reason for dispute : Identity theft / unauthorized account or charges

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I needed dental care to keep an important tooth. The dental facility encouraged me to open up a carecredit account which was advertised as a payment plan. What I was not told was that this was giving up the protections that I would have had with medical debt. The interest rates are very high and I was forced to close the account. they said they would not charge interest so I continued to pay off the card. what they did not tell me was that they have been charging me a suprise fee this whole time labeled as " XXXX XXXX XXXX  ''. They do not provide the account number for my account. They provide seemingly less than the bare minimum for communication. 

I feel like I've been scammed or tricked. This company has caused me so much grief and stress. I've had to start using food banks largely because of this company. I'm just not sure what to do. I don't know who can help me. 

DO NOT USE CARE CREDIT! They are a predatory company at best.

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 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK
State: MO

Complaint narrative:
XXXX XXXX, XXXX, successor by merger to Discover Bank, Plaintiff. Court hearing date XX/XX/year>, the exact date I have a medical specialist appointment due to XXXX-related illness and corresponding internal XXXX  XXXX The creditor refused to reschedule the hearing to allow me to reprsent myself. 

The creditor continued litigation and garnishment actions while knowing I was consistently XXXX  for emergency medical conditions due to XXXX, including a specialist appointment, which was on the date of the court hearing, in which I waited an entire year for the appointment to have a XXXX  XXXX  XXXX  eventually removed due to XXXX rare XXXX  XXXX and corresponding XXXX  XXXX. The creditor, while also knowing that I have been XXXX  due to being critically ill, violated FDCPA prohibitions against unfair and unconscionable means to collect a debt. In addition, the creditor is trying to collect exempt funds by placing a garnishment on my checking account in the amount of {$5500.00}. Any funds in this account are exempt due to the following : XXXX XXXX XXXX : The primary source of funds consists of federal student loan proceeds, which are exempt under the Higher Education Act ( 20 U.S.C. 1095a ) as they are restricted for educational purposes. 
Public Assistance : Defendant is XXXX  and a recipient of XXXX and XXXX. Any commingled funds are exempt from public assistance under Mo. Rev. Stat. 513.430.1 ( 10 ).

Charitable Aid : Remaining funds are charitable gifts from Defendants congregation, claimed under the Missouri " XXXX '' exemption ( 513.430.1 ( 3 ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: TX

Complaint narrative:
I am filing a complaint regarding Chimes handling of an unauthorized electronic funds transfer in the amount of {$1500.00}. 

The disputed transaction occurred during a broader fraud incident in which my purse was stolen, including my business phone, which at the time did not have a lock enabled. As a result of this theft, multiple financial accounts were compromised, and I promptly filed a police report documenting the incident and the unauthorized activity. 

During a later audit of my bank records, several previously unrecognized unauthorized charges were discovered. This {$1500.00} transfer was one of multiple fraudulent transactions tied to the same theft incident. While several of those unauthorized transactions were previously approved and credited, this transaction was inadvertently missed during the initial review and was later disputed once identified.

Despite this clear pattern of fraud, supporting documentation, and an existing police report tied to the same incident, Chime denied this claim twice, including after I submitted the police report.

Chime stated that the denial was based on internal login, device usage, and authentication data. However, this reasoning fails to consider that the transaction occurred while my stolen, unsecured phone was in the possession of an unknown third party, making device or login data unreliable as proof of authorization.

Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005 ), the burden is on the financial institution to prove that a transaction was authorized. The use of a stolen deviceespecially during a documented fraud eventdoes not constitute authorization by the account holder.

Chime has failed to : Account for the documented theft and police report Consider the transaction as part of a larger, previously approved fraud event Provide specific evidence that I personally authorized the transfer Conduct a reasonable investigation as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I was the victim of an online rental scam. A fraudster impersonating a legitimate landlord advertised a home for rent and communicated with me through online listings and text messages. I was instructed to submit an application fee through XXXX. 

On XX/XX/year>, I sent a XXXX payment of {$220.00} from my U.S. Bank checking account to a person I believed was the landlord. The XXXX recipient was XXXX XXXX XXXX using the email XXXX. 

After sending the payment, I discovered the listing and the person were fraudulent and that the property was not actually being rented by the person who received my money. 

I immediately reported the transaction to U.S. Bank as fraud and provided screenshots of the communications, the listing, and the XXXX confirmation. U.S. Bank opened a claim but later denied reimbursement, stating that I authorized the payment. 

This was an authorized push-payment scam. I was deceived into sending money under false pretenses to a criminal impersonating a legitimate rental provider. I did not intend to send money to a fraudster, and this was not a valid authorized payment under Regulation E.

I am requesting that U.S. Bank re-investigate this claim and provide reimbursement in accordance with federal consumer protection laws and XXXX fraud policies.

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 2026-01-07 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: PNC Bank N.A.
State: FL

Complaint narrative:
I am resubmitting this complaint against PNC Bank for facilitating over XXXX unlawful internet gambling transactions on my Points XXXX  credit card. These occurred from late XXXX to early XXXX. The transactions involved disguised XXXX  merchants using false descriptors, XXXX, and processors ( XXXX  companies ) in primarily XXXX / XXXX. This is resulting in a {$16000.00} delinquent balance, fees, and credit damage. Despite my XX/XX/XXXX CFPB complaint and reports to PNC, they denied the disputes. They cited " no fraud '' responses and procedural time bars under FCBA ( 15 U.S.C. 1666 ), EFTA ( 1693f ), and TILA ( 166i ). They also mentioned payments made. PNC 's own policy prohibitions, UIGEA ( 31 U.S.C. 5361-5367 ) violations, BSA/AML negligence , and the debts being void under Fla Stat 849.26 have all been ignored.

In a letter to PNC 's attorney dated XX/XX/XXXX, I proposed settlement for the second time with an offer expiring XX/XX/XXXX. I have not yet received a response while interest and fees on the account continue to accrue. Amid the 2025 AG letter on UIGEA enforcement, I request CFPB intervention to enforce resolution, including balance credit, fee refunds, and tradeline removal from bureaus, and confirmation. A similar dispute was submitted to an alternate major bank during the same period, for a greater amount, and was promptly investigated/ resolved/ credited without the need for further action - demonstrating these transactions are readily correctable in accordance with my claims. PNC has benefited greatly on the amount of debt, interest, and fees charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
During the periods associated with the reported late payments, I was XXXX at XXXX  and experienced extended loss of communication. Due to the operational nature of XXXX XXXX, I did not have consistent or reliable access to communication or financial systems, which made it impossible to manage or make scheduled credit card payments during that time. These late payments were not the result of negligence or unwillingness to pay, but rather the direct consequence of my military duties and XXXX conditions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
A guy came to my door asking to provide a service, I declined and asked for a business card. And he did not give me any of his information. The man Proceeded to move forward with doing the service and charged XXXX dollars. Which I paid in fear of escalating an altercation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I am a full-time college student currently facing an extreme financial crisis due to the simultaneous incarceration of both my father and my older brother. They were my primary sources of financial support, and their absence has left me with no income other than my federal student aid ( FAFSA ) refund. 
Despite these documented hardships, Bank of America has applied multiple maximum penalty fees and high interest charges to my account. I have been attempting to stay current by using my limited FAFSA funds, but these " junk fees '' are depleting the money I need for tuition and basic survival. 
From XX/XX/year>, to XX/XX/year>, my account was charged a total of {$290.00} in fees and interest : * Late Fees ( {$160.00} total ) : {$40.00} charges on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. 
* Interest Charges ( $ XXXX total ) : {$42.00} ( XXXX ), {$46.00} ( XXXX ), {$43.00} ( XXXX ), and {$42.00} ( XXXX XXXX, plus additional interest in XXXX and XXXX. 
As a XXXX full-time student, I have very limited experience managing high-interest credit products. I was not provided with clear guidance or a warning that these fees would compound so aggressively during a family crisis. The bank 's failure to offer a simple hardship waiver or a student-specific account transition when these fees first began shows a lack of transparency and support for young consumers who are clearly in financial distress I am attaching court records for both my father and brother as evidence of this sudden loss of household income. I previously attempted to resolve this with the bank, but no fee relief was provided.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RevNow LLC
State: NC

Complaint narrative:
Between XXXX this company has called three times daily. I have blocked their calls and they call from new numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I contacted Chase XXXX the buyer ( he called himself XXXX XXXX XXXX and XXXX provided information to pay off my XXXX XXXX XXXX  XXXX  from his checking account. 
On XX/XX/XXXX at approximately XXXX XXXX  PT, I contacted Chase Auto Finance to confirm payoff of my auto loan in preparation for selling the vehicle. The call was escalated to a manager, XXXX ( employee ID XXXX ). I was explicitly told that the payoff had fully posted, the loan was paid in full and closed, the lien would be released, and that the account could not be reopened or the payment reversed. I asked specifically whether there was any scenario in which the loan could be reinstated and was told no. 
Relying on that confirmation, I reimbursed funds totaling {$1500.00} related to the planned sale. At that time, Chases system showed the loan as paid and closed. 
On XX/XX/XXXX, the payment was reversed and the loan was reinstated without prior notice. I subsequently contacted Chase again and escalated the issue to an account supervisor, XXXX ( employee ID XXXX, case number XXXX ). I was informed that Chase considers this a civil matter and will not take responsibility, despite the prior recorded confirmation that the loan was final and irreversible. 
As a result of relying on incorrect information provided by Chase management, I incurred financial loss. I am requesting review of the recorded XX/XX/XXXX call, clarification of the ACH reversal reason, and remediation for harm caused by inaccurate payoff confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
" This item was investigated by Experian and deleted as unverifiable. I have attached the proof of deletion. Please remove this from my file to ensure accuracy under the FCRA. ''

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