vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: UT

Complaint narrative:
I am disputing a {$82.00} utility collection reported by Contract Callers Inc. I vacated the service address on XX/XX/XXXX and did not reside at or control the property after that date. The remaining balance reflects charges incurred after I moved out. I disputed this account directly with Contract Callers Inc. on XX/XX/XXXX and did not receive any response. I also disputed the account with the credit bureaus. XXXX removed the account after review, while XXXX has continued to report it as accurate despite the same documentation being provided. This account is being inaccurately reported, as no documentation has been provided showing I was responsible for electric service after XX/XX/XXXX. I am requesting that this account be properly investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
( Loan XXXX ) My ex- spouse was awarded the home on XX/XX/XXXX, to refinance within 30 days. She is not on the current loan but with the divorce decree she can refinance. On XX/XX/XXXX, I was contacted by XXXX, XXXX from rocket mortgage wanting me to sign a quit claim deed without showing proof that my ex-spouse was approved for a Mortgage and no closing date. I refused to sign because this was odd no closing. On XX/XX/XXXX I was contacted by XXXX, XXXX asking to set up a deed closing I requested documents showing me that my ex-spouse is approved for the loan they only verbally said this no documents. On XX/XX/XXXX, I call rocket mortgage and spoke to XXXX XXXX and said that my ex-spouse needs her own loan she said she will contact the banker. On XX/XX/XXXX, XXXX XXXX from rocket mortgage had emailed me saying there must be some confusion. My VA entitlement will not be transferred and asked can rocket mortgage put this in writing. XXXX XXXX stated they will not do that. I emailed XXXX XXXX and said I will use the email where you stated my VA entitlement will not be transferred. I have done some research and called my mortgage company XXXX XXXX XXXX to get some answer I have. Rocket Mortgage wanted me to sign a quit claim deed without closing date and refuses to provide documentation that my ex-spouse is approved of the loan before I sign a quit claim deed. Since my ex-spouse is on the title but not the mortgage if I would have signed this quit claim deed, I wouldn't have had any ownership of the property. Without having proof that my ex-spouse was approved I would have been stuck with the mortgage, and my ex-spouse could refinance at her own leisure. Rocket Mortgage has not been transparent about this process and being deceitful. This request for the documentation is a resealable request to reinsure me that my VA mortgage will be paid, and I can sign the quit claim deed with confidence. My understanding that these documents can be requested : 1. A copy of the refinance closing statement or loan account statement showing the new loan details, including the new borrowers name and loan number. 2. A mortgage payoff statement confirming the old loan has been paid off. A new promissory note or new mortgage document reflecting sole borrower. 3. A copy of the refinance application ( if available ) showing the divorce decree or property settlement agreement as part of the documentation. 4. A title search or deed update showing the property title now reflects new owner after closing. Which none of these documents Rocket Mortgage wanted to provide to make this process without having any doubts of the ownership and Mortgage liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I tried transferring money between my USAA account and chase account. Upon doing so, USAA restricted my account and now I cant access my funds.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX - XXXXXXXX XXXX XXXX XXXX XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I signed up for a 'free trial ' at XXXX XXXX on XX/XX/year>. On XX/XX/year>, I attempted to cancel the membership in person to avoid further charges, as the membership was marketed with 'no annual commitment. ' However, the gym staff refused to process my cancellation. I am now being pursued by Aldous & Associates for a debt of {$350.00}. This balance consists almost entirely of late fees and charges that accumulated after my attempt to cancel. I spoke with a representative from the collection agency who was uncooperative and refused to waive these predatory fees. I also attempted to send a formal dispute to the email address the company provided ( XXXX ), but the email bounced and is non-functional. As a student on a limited budget, I can not afford {$350.00} for a 'free ' service I tried to terminate. Desired Resolution : I dispute the validity of this {$350.00} debt. I request that the collector provide an itemized breakdown of all charges. If they can not validate the debt, I request the account be closed and that no information regarding this dispute be reported to any credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: OR

Complaint narrative:
On XX/XX/year> we found out I had a debt collection that I did not make and not aware of it. This came up while we are in the process of a HELOC. Call the company and company gave me instructions to email them at XXXX with info of the situation, police report, full name, last 4 SSN, call back #, and lease account number. We did not do this purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CA

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
XX/XX/XXXX I experienced a very unfortunate sequence of events. I had my purse, wallet and phone stolen from me when I was in an environment that I felt totally safe. The person or persons whom were responsible for that theft then decided to transfer XXXX to another cash app account. That XXXX $ had been deposited into my account, only a few days prior, as it was my financial aid for school. I have filed 2 disputes with cash app and they were both denied. I am in total disbelief as to how they can not CLEARLY see that, the transaction in question, was fraudulent ; for a few specific reasons. First reason being that out of the thousands of transactions that I have with cash app that is the only transaction that is with that specific recipient. And the second reason being is that that is the only transaction that has ever been sent from my cash app to anybody for that significant amount of money. This is a very disheartening situation for me as I feel it is totally unfair that they refuse to compensate me my money. So not only did my financial aid get stolen for me I still have to back that {$2000.00}, in time because it was a student loan..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am in a formal hardship repayment program with Synchrony Bank ( Account ending in [ LAST 4 ] ). Per our written agreement, {$39.00} was the past due amount under the new payment plan, which I paid on XX/XX/XXXX. I am current on my payments. However, my credit reports are showing outdated and inaccurate information. Specifically, my XXXX report ( pulled XX/XX/XXXX ) shows a '30 days past due ' status from XX/XX/XXXX. I am requesting that Synchrony Bank manually update this status to 'Current ' or 'Paid as Agreed ' with ALL THREE major bureaus ( XXXX, XXXX, and XXXX ) immediately. This inaccurate reporting violates the FCRA and is blocking my ability to get a consolidation loan. ''

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 non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a debt being collected on behalf of Omni Financial by a collection agency. I contacted the agency to resolve the account and was offered settlement and payment plan options. However, the company has refused to provide any written documentation of the agreement, including settlement terms or payment plan details. They have stated that it is their policy not to send written confirmation by email or mail, and they are requesting payment based only on verbal agreements. Additionally, during communication, I was told that legal action could be taken against me if I did not proceed with payment, despite my willingness to resolve the account. I am willing to resolve this debt, but I am not comfortable making payments without written documentation outlining the terms, including the total balance, payment amounts, and confirmation that the account will be satisfied upon completion. I am requesting that the company provide proper written documentation of the account and any settlement or payment agreement before requiring payment.

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 2026-04-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased an airline ticket with XXXX for travel to XXXX on XX/XX/year>. On the day of travel, prior to heading to the airport, we attempted to check in online and discovered that the flight reservation was not showing. We contacted the airline for assistance and were connected to what we believed was XXXX customer service. However, we later determined that we had been connected to a fraudulent third-party operation posing as the airlines customer service, whose sole purpose appears to be scamming customers. The individual we spoke with falsely confirmed that the flight had not been canceled but claimed there was an issue with billing. They then requested an alternative credit card to process the payment so we could proceed with our travel. Relying on this misrepresentation, we provided our Citibank credit card information. Within approximately 15 minutes of the call, we realized that the interaction was fraudulent. We immediately contacted Citibank, reported the incident, and explicitly instructed them not to process or honor the pending charge. Citibank acknowledged our report and indicated that they would note the transaction as fraudulent while it was still pending. We clearly communicated that we did not authorize the payment under any circumstances. As a result of this incident, we were forced to purchase new airline tickets to complete our travel. Upon returning to the United States, we were surprised to receive a demand from Citibank for payment of the disputed fraudulent charge. We reiterated that the transaction had already been reported as fraud prior to posting and questioned why we were being held responsible. We are now in our third round of communication with Citibank, and despite providing supporting documentationincluding screenshots of correspondence from the fraudulent party and our immediate cancellation requestthey continue to insist that we are liable for the charge, stating that they have already paid the merchant. This situation is extremely frustrating. We have been Citibank customers for over 20 years and have acted promptly and in good faith to report and prevent this fraud. Despite this, we are being told to follow a process that repeatedly results in denial of our claim. We respectfully request assistance in resolving this matter and ensuring that we are not held responsible for a clearly fraudulent transaction that was reported immediately.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: KY

Complaint narrative:
My account was fraudulently charged {$690.00} dollars for a hotel. Once I was aware I called and secure chatted customer service representatives to inform them of this. I put in a dispute and they ended up denying that claim. I called the merchant and they stated that the reservation was not made under my name and it was made for XX/XX/year>. I told her there was no way I would make that reservation because my children were in school. I never received a confirmation email to say I made this reservation. The customer service representative for the hotel reservation confirmed it was also a different email. The merchant is now refunding said charges because they believe it was made FRAUDULENTLY! Furthermore after making Chime aware of this they stated I needed to file a police report ( for a stolen phone, laptop, or tablet ), provide my GPS location as supporting documents that I didnt make these charges. First off by law all I need to provide is a written statement. And I never had my any technology stolen from my person. So what would a police report do? Nothing because it didnt apply to me. And if the Chime actually did an investigation they would know this is clearly fraud. Chime also continues to deny any wrongdoing and refusing to issue my money that was wrongfully taken out of my account. I have cancelled my card per Chime, and now have to go a different pathway to refund my money and get it to me. I will also be filing a XXXX complaint, as well as this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened an account with Bank of America 2 weeks into my new account I had received direct deposit and XXXX I was stating my journey good when I noticed my account had XXXX balance I called to find out what happened they told me they couldnt verify my identity so the closed my account when I asked why the supervisor said theres nothing we can do and your money wont be available until 7-10 business days and it will be returned as check when I asked why again he hung up on me I tried calling there customer service back and no type of help they had me waiting for over 2 hours I am beyond sad upset confused I dont understand anything!!!!

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 2026-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have been contacting Capital One for 2 months now and was told my account was closed. I asked when I would get funds and was told when I present ID. I uploaded my ID to there verification service 5 times. It did not accept it. I took an ID into a Capital One Bank and they refused to accept it. I want my funds they can't hold my cash like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Title / Trust Transfer Ownership of the property has been transferred to the XXXX XXXX XXXX XXXX. The borrowers remain the beneficiaries and retain the right to occupy the home, consistent with 12 U.S.C. 1701j3 ( d ). SPS is hereby notified again that the transfer has been completed and recorded. The Warranty Deed to XXXX XXXX XXXX was previously submitted on XX/XX/year>, with the initial notification and both documents are included, again, with this response. Escrow / Taxes SPS states its tax vendor attempted to contact the tax agency without success. Please provide copies of all correspondence and records of those contact attempts, including dates, methods, and any responses received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, I am submitting this complaint regarding unfair and undisclosed charges on my account by Iddeal Credit Card by Comenity Bank. On XX/XX/XXXX, I purchased a ring from XXXX XXXX in XXXX in the amount of {$6500.00} using a Iddeal Credit Card by Comenity Bank account. My first statement closed on XX/XX/XXXX, and reflected only this purchase. I enrolled in automatic payments of {$100.00} per month. However, because the system indicated that autopay could take one to two billing cycles to become effective, I made my first payment manually to avoid any risk of a late fee. Despite this precaution, the automatic payment was processed as well, resulting in a duplicate payment. Upon noticing this, I promptly contacted Comenity Bank and requested a refund for one of the duplicate payments. A refund of {$100.00} was issued. At no point during this process was I informed that issuing this refund would create a new balance on my account that would accrue interest. As a result, a {$100.00} balance was added back to my account and has been treated as a charge subject to interest. Because of this, I have been charged {$24.00} in fees during XXXX and an additional {$12.00} so far in XXXX. I have also been informed that interest will continue to accrue until the {$100.00} balance is paid. I believe this practice is unfair, misleading, and lacks proper disclosure. I am effectively being charged interest on a payment that was already made and only refunded due to a system-related duplicate transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOVERY is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 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: CA

Complaint narrative:
XXXX XXXX charged my chime checking account XXXX dolllars back in XXXX I didnt realize til last month because this is a savings checking account and when I checked my balance I have {$0.00} I need my money back I filed a dispute with chime and they denied it

Company response to consumer: Closed with explanation