vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Guild Holdings Company
State: CA

Complaint narrative:
GUILD MORTGAGE COMPANY, I sent my ONE TIME ach payment to pay my mortgage and they took out the payment THREE TIMES IN A ROW, over drafted my account severally. I have other bills to pay that I will now not be able to pay, not to mention the over drafted fees I am going to get charged by my bank. I keep calling them and they just keep shrugging their shoulders telling me they dont know what is happening and do not know when it is going to be resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
b'I had applied 5 time to there plan for success and there retaliating because I filed some information on them and its true altering loan document and I have this file I just want you to see how there manipulating these customers taking excessive amounts of money out of the accounts destroying peoples lifes and businesses like mine please I just want to let you see a few things and upload to the proper authority I already been to the DA office and to the DOJ and it was the FTC who brought it to mine now they had me resign and redo these applications so they could copy my signature so they can sign it to these fake loans I definitely have the documents and the right people I watch every bit of them defrauding our federal government and our country is not going to make it financially with problems like this for example my phone number is XXXX XXXX hopefully you will get this before this gets altered'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: West Capital Lending, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I would like to report a mortgage advertisement that may potentially violate federal and/or state regulations regarding mortgage marketing and referral practices. The advertisement is from West Capital Lending and promotes a mortgage broker named XXXX XXXX ( XXXX # XXXX ). The advertisement states that a 0.5 % Buyer Incentive is offered and specifically mentions that the promotion is available for XXXX XXXX agents ONLY. This type of marketing raises concerns that the incentive may be tied to referrals from specific real estate agents or brokerages. Under the Real Estate Settlement Procedures Act ( RESPA ) Section XXXX, offering anything of value in exchange for referrals of settlement service business is generally prohibited. Additionally, the advertisement appears to imply that the incentive can be directly passed to buyers through real estate agents, which could potentially constitute an improper referral fee or kickback arrangement. I am concerned that this promotion may create an incentive structure tied to agent referrals rather than being offered uniformly to borrowers. If that is the case, it may raise compliance issues under RESPA and related mortgage advertising regulations. I am submitting this complaint so the appropriate regulatory authority can review the advertisement and determine whether the marketing and incentive structure complies with applicable laws and regulations. Thank you for your time and attention to this matter. Sincerely, Concerned Consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: GA

Complaint narrative:
Subject : Formal Complaint Against Chime Improper Denial of Dispute for {$640.00} To Whom It May Concern, I am submitting this formal complaint regarding XXXX denial of my dispute involving {$640.00} that was taken from my account. While i was incarcerated, transactions totaling {$640.00} were processed on my Chime account without my authorization. At the time these transactions occurred, I was incarcerated, making it impossible for me to have conducted or authorized them. I promptly notified Chime and filed a dispute providing proof of my incarceration and all requested documentation to support my claim. On XX/XX/XXXX, XXXX informed me that my dispute was denied. They did not provide sufficient explanation or evidence supporting their decision. Despite submitting proof of my incarceration, Chime failed to adequately investigate or rectify the situation. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX, financial institutions are required to conduct a reasonable investigation and provide the results. XXXX handling of this dispute falls short of these requirements. The {$640.00} remains unrecovered, causing financial hardship. I am requesting that the Consumer Financial Protection Bureau review this matter and require Chime to : XXXX. Provide documentation showing how they concluded the transactions were authorized ; XXXX. Conduct a proper and thorough investigation in compliance with federal regulations ; XXXX. Refund the {$640.00} improperly taken from my account if they can not prove authorization. I have attached all relevant documentation, including transaction records, proof of incarceration, and prior dispute correspondence. Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
- XX/XX/XXXX opened account with Synchrony bank to get flooring for my property company to rehab a building - XX/XX/XXXX paid all payments to pay off the full amount XXXX XXXX final payment due and Synchrony didnt auto draft the payment - XX/XX/XXXX, interest free period ends and final payment not received so they add XXXX interest to the balance of about {$1100.00}. - they notify me a week later that I now owe them {$6500.00} -I call and offer to pay the original {$1100.00} that I had remaining since they didnt do the auto draft - they reference a call in XXXX where they told me they wont autodraft the final payment I am responsible for calling it in -I dispute it and they deny even while Im offering to pay the original last payment plus interest and penalties. - XX/XX/XXXX after selling the building they file for a hearing saying if I dont respond in XX/XX/XXXX days it will be considered resolved and a judgement issued for the full {$7600.00}

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 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NE

Complaint narrative:
I have Called them relentlessly since for the lastXX/XX/XXXXdays requesting information on the account. The reporting party refuses to discuss the matter with me, as well as said orginal debtor, they claim i need to speak to their legal team but they never answer, call back, return mail. I have a copy of court order that the attorney they claim i need to speak to filed a motion in XXXX XXXX nebraska to be removed as their council in XXXX of XX/XX/year>. The debt is not mine. i worked for a company that added me as an authorized user in order to edit account details but i was not the owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing the collection account being reported and collected by National Credit Systems regarding an alleged balance from XXXX XXXX Apartments. The amount being reported is inaccurate and has not been properly validated. After requesting validation of the debt, the documentation provided by National Credit Systems consisted only of a copy of the lease agreement and an internal expense ledger. This documentation does not sufficiently validate the accuracy of the balance they are attempting to collect or report to the credit bureaus. The ledger reflects charges that appear to include rent for XXXX, even though I vacated the apartment in XXXX and did not occupy the unit during that time. National Credit Systems has not provided documentation that substantiates the amount they claim is owed. Specifically, they have not provided a final account statement from the original creditor, documentation explaining how the balance was calculated, or proof that the charges being reported after my move-out date are valid and owed. An internal ledger alone does not establish that the balance is accurate or that the charges are legally owed. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, a company that furnishes information to credit reporting agencies must ensure that the information they report is accurate and fully verified. Reporting a balance that includes charges for time periods after I vacated the property raises serious concerns about the accuracy of the information being reported. Because the debt has not been properly validated and appears to include charges that are not owed, I am requesting that National Credit Systems conduct a proper investigation and either provide full documentation verifying the accuracy of the debt or delete the account from my credit reports if they can not substantiate the amount being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - EASTERNACCOS - XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I am submitting this complaint regarding the servicing of my private student loans currently handled by MOHELA. My loans were previously serviced by XXXX and were transferred to MOHELA approximately XXXX year ago. My loans originated around 2014, and since that time I have made substantial payments toward this debt. According to my account summary, I have paid a total of {$51000.00}, including {$33000.00} toward principal, {$18000.00} toward interest, and additional fees. Following the transfer of my loans from XXXX to MOHELA, I have concerns regarding the transparency and accuracy of my loan servicing. Loan transfers between servicers can sometimes result in payment history discrepancies, incorrect application of payments, or incomplete transfer of account data. Given the significant amount I have already paid toward this loan, it is essential that my account history and balance be accurate. Therefore, I am requesting a formal review and audit of my loan account, including the transfer process from XXXX to MOHELA. Specifically, I request the following : A complete and itemized payment history for my loan from origination in 2014 to the present Verification that all payments made while my loan was serviced by XXXX were accurately transferred and applied by MOHELA A detailed breakdown of how my payments have been allocated between principal, interest, and fees over the life of the loan Written confirmation of my current outstanding balance and payoff amount A review of the interest calculations applied to my account to ensure they are consistent with the terms of the loan agreement Given the significant payments made on this account, I am requesting that this review be conducted thoroughly and that any discrepancies or servicing errors be corrected promptly. I appreciate your prompt attention to this matter and request a written response outlining the results of the account review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: WI

Complaint narrative:
On XX/XX/ 2026, I paid to XXXX XXXX ( now Rocket Mortgage ) {$1500.00} for my mortgage payment, made directly from my bank to them. Same as every other month previously. Also on XX/XX/2026, Rocket Mortgage withdrew {$1300.00} ( actual amount of my mortgage payment, I always choose to pay extra ) from my bank account WITHOUT my knowledge or consent!!! I have NEVER signed up for automatic payments through them, nor have I ever asked them to withdraw a payment. This extra withdrawal put my account in a negative status, and resulted in my bank charging me overdraft fees!!!!!! I called them, and they said that they see my normal payment was made, and they can see that I did not have auto pay, and they don't know what happened. However, they will not reverse the charge!!!!!!!!!!! They told me to go to my bank to have them stop the charge. I did file a complaint with my bank, who said it could take XXXX days to get the money back. How am I supposed to pay any other bill??? How can they just arbitrarily take money from my account without my authorization??? This large company can just empty my entire bank account and not remedy this??? I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding a collection account being reported by Credit Collection Services related to an alleged debt originally associated with XXXX XXXX XXXX in the amount of approximately {$1700.00}. This account currently appears on my credit reports with XXXX XXXX XXXX XXXX I formally dispute the accuracy, completeness, and legal validity of this collection account. I requested validation of this debt from the company, including documentation verifying that the debt is valid, that the amount reported is accurate, and that the collection agency has the legal authority to collect on behalf of XXXX XXXX XXXX. However, the company has not provided sufficient documentation verifying these claims. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I requested full validation of the debt, including the original agreement or policy creating the obligation, documentation showing the agencys authorization to collect the debt, and a complete itemized accounting showing how the {$1700.00} balance was calculated. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), companies reporting information to credit reporting agencies must ensure the information is accurate and verifiable. The current reporting raises concerns about the completeness and accuracy of the data being reported. If Credit Collection Services can not provide proper documentation validating the debt and their authority to collect it, I request that the account be removed from my credit reports with XXXX XXXX XXXX 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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation