vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket mortgage has altered the insurance policy of mine to collect extensive amounts of money from my insurance company travelers insurance and both parties have desimated me and famification and then HUD investigated this and I will enclose all the receipts from hud to you and this has really been ridiculous I pay all this insurance every year and the reason no one believes me is because they believe rocket mortgage and they earn there money cheating people and altering documents I have my policy for years this is on going so long the house is not reparable no more this is a old remidiation that was not done properly and unauthorized loans there trying to forclose upon they had us XXXX at are place for years and someone need to investigate these individuals who are preditory and we are XXXX my aunt who been to the hospital several times cause of this and my husband is XXXX and me XXXX the desimated me and destroyed my business home and credit and credibility and not to mention been using my identity for to years this is not right no ones listening at all nor has anyone helped be cause you believe its their insurance please I am asking for a supervisor they discriminated against me and they posted my being a victim of assault and almost died they even put the picture on XXXX XXXX and others XXXX XXXX this is totally illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 explanation
Consumer complaint received 2026-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am disputing the alleged debt reported by LVNV Funding LLC in the amount of {$1100.00} ( account ending in XXXX ). This account does not belong to me, and I do not recognize or owe this debt. I requested that the company provide evidence that I am legally responsible for this account, but no sufficient documentation or proof of the debt has been provided. I am requesting that the account be investigated and removed from my credit report if the company can not validate that the debt is mine in accordance with Fair Credit Reporting Act and Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Procollect Inc. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern : I am writing regarding the debt that your agency claims I owe, referenced by the account number above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. Please provide the following information : The name and address of the original creditor. The account number associated with the original debt. The amount of the alleged debt, including a breakdown of any interest, fees, or other charges added. Copies of any documents bearing my signature that demonstrate my legal obligation to pay this debt. Documentation showing that your agency is authorized to collect this debt. Proof that the debt is within the applicable statute of limitations. Until you provide the requested validation, I dispute this debt and request that you cease collection activities and refrain from reporting this debt to any credit reporting agencies, or update any existing reporting to indicate that the debt is disputed. This letter is not an acknowledgment of liability for the debt, nor is it a promise to pay. I look forward to your response. Sincerely, XXXX XXXX XXXX XXXX

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 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am a senior citizen ( XXXX ) and a resident of Florida , writing to report a severe case of financial exploitation and predatory billing by Synchrony Bank . Three years ago, during the most vulnerable period of my lifesuffering from a severe medical diagnosis of Tinnitus, struggling with XXXX, and being XXXX opened this account specifically to purchase a medical device for my treatment. Since then, I have been working as a freelancer and making every effort to pay my bills. However, I recently discovered that Synchrony Bank has been charging me for an unauthorized service called " XXXX XXXX XXXX '' for years. I never consented to this insurance. Because of these unauthorized fees, which carry high interest, my balance never goes down despite my payments. This has created a " debt trap '' that has exacerbated my XXXX and financial instability. Synchrony Bank took advantage of my medical condition and my desperate need for healthcare to slip in hidden fees. This is a clear violation of consumer protection laws and constitutes Elder Financial Exploitation under Florida statutes.

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 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Description of Incident : On XX/XX/2026, my XXXX debit card ( ending in XXXX ) was compromised. Fraudulent, rapid-fire unauthorized transactions totaling {$100.00} ( {$50.00} x 2 ) were run through PayPal under the merchant name " my name. '' My bank, XXXX XXXX XXXX, detected this suspicious activity, immediately shut down the compromised card, and initiated a formal fraud investigation. XXXX XXXX XXXX ruled in my favor, confirming the transactions were entirely unauthorized, and permanently refunded my stolen money ( posted on my XXXX bank statement ). Case # XXXX Because the bank rightfully reversed the stolen funds via a fraud chargeback, PayPal has penalized me by placing my PayPal account into a negative balance of - {$100.00}. I contacted PayPal on XX/XX/XXXX with immediate screenshots of the fraud and the bank 's alerts, but PayPal is refusing to clear the negative balance, effectively trying to force a victim of identity theft to pay for the fraud out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: PA

Complaint narrative:
My noticed XX/XX/year> that I had several unauthorized charges on my account. I contacted Chime to explain the problem they put in a dispute and the dispute type entered as * Paid for Goods/Services By Other Means * however Ive been trying to explain to chime that I didnt make these purchases at all and I most have been hacked. I only made a purchase to the specific merchant XXXX and XXXX rack once. However days later I saw multiple charges in my account made around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this purchase kept coming out between XXXX. I explained to the company I only made 1 purchase from Nordstroms and 1 purchase from XXXX XX/XX/year>. I end up being charged multiple times resulting in over {$3000.00}. However my actual purchases were only {$220.00}, and {$720.00}. Not to mention after my purchase I always freeze my cards. So I assuming this an inside job. I contacted the merchant XXXX they did not see any extra charges. I reached back to chime on multiple occasions they said they would investigate but only denied 2 out of my 9 disputes despite my multiple uploads of proof of purchase, emails, and bank statements showing all the fraudulent charges. Chime has since closed my account XX/XX/year>. The reasoning in closing my account is unknown they cant tell me why they closed my account each time I call for a explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute multiple unauthorized hard inquiries on my credit report. I have identified several inquiries from XXXX XXXX XXXX XXXX, as well as from other creditors, that I did not authorize. Specifically, there are seven hard inquiries from XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, and XX/XX/XXXX, spanning XXXX to XXXX. Additionally, there are hard inquiries from XXXX XXXX, XXXX XXXX, and XXXX XXXX all on XX/XX/XXXX. None of these inquiries were authorized by me, and I believe they are inaccurate and damaging to my credit profile. I request that these unauthorized inquiries be investigated and promptly removed from my credit report. Please confirm receipt of this complaint and inform me of the steps being taken.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
i sent a letter for the account to midland credit asked for information and still have not received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America acknowledged my CFPB complaint on XX/XX/XXXX. Despite that acknowledgment, it is now XX/XX/XXXX and I still have not received my remaining balance check which has been delayed for almost XXXX months. On XX/XX/XXXX, I spoke directly to Bank of America representative XXXX, ID # XXXX, in the check disbursement department. I requested the exact date my check would be cut and mailed. The representative refused to provide an exact date. I explicitly instructed the representative to document in my Bank of America file that she did not give me an exact date. I have her name and ID number on record. Because Bank of America has stalled for nearly XXXX months and continues to refuse a mailing date, I am demanding {$150.00} per day for every day the check has been late, starting from the original promised date until the check is in my hand. Bank Of America previously promised the check " around the end of XXXX. '' To the " Beginning of XXXX. '' Both date 's have passed. As of XX/XX/XXXX, no check and no firm mailing date has been 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 monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: CA

Complaint narrative:
Hello, I called XXXX XXXX and they provided me with the reference number XXXX. They confirmed that my refund has already been completed. However, I noticed that my balance on XXXX has not been adjusted yet. I can see a partial refund reflected in my XXXX account, which indicates that XXXX is aware of the refund from the merchant. Could you please review my account and process the refund adjustment as soon as possible? I would greatly appreciate your assistance, as I do not want to continue making payments on a balance that should already have been refunded. I have always made my payments on time and have never missed or been late on any payment. If this matter is resolved promptly, I should no longer owe any balance to XXXX. My current balance is {$110.00}, and my most recent payment was {$28.00}. Previously, my balance was {$130.00}, which is the same amount as the refund I am expecting. Despite this, XXXX continues to deduct payments from my bank account because it is linked to my XXXX account. Please investigate this matter and provide an update as soon as possible. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: MT

Complaint narrative:
I financed a vehicle through Santander Consumer USA and am currently attempting to register the vehicle in Montana. However, I have encountered significant delays due to issues involving the vehicle title. On XX/XX/XXXX, I contacted the Arizona Motor Vehicle Division ( MVD ) regarding the status of the title. I was informed that Arizona had already processed and sent the title to the lienholder, Santander Consumer USA. Arizona DMV representatives advised that the title had been transmitted and that any further title transfer actions would need to be handled by Santander. After receiving this information, I contacted Santander Consumer USA multiple times to verify whether they had received the title and to request that it be transferred to the appropriate Montana authority so that I could complete my vehicle registration. However, Santander representatives have repeatedly informed me that they have not received the title. Despite numerous calls and requests for assistance, I have not been provided with a clear explanation, a status update, or a resolution to this issue. As a result of this ongoing problem, I am unable to register my vehicle with the XXXX XXXX DMV in Montana. This has caused unnecessary delays, inconvenience, and uncertainty regarding my ability to legally operate and register the vehicle. I respectfully request that Santander Consumer USA conduct a thorough investigation to determine whether the title was received from the Arizona DMV, verify the current status and location of the title, and take immediate action to release, transfer, or forward the title documentation to the appropriate Montana DMV office. If the title has not been received, I request that Santander coordinate directly with the Arizona DMV to resolve the issue and provide me with a clear update regarding the steps being taken. I would appreciate a prompt response and resolution so that I can complete my vehicle registration without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am the victim of a bait-and-switch scam by an online merchant, XXXX XXXX. I opened a dispute, the merchant agreed to a refund upon return, and I returned the counterfeit item at my own expense. XXXX XXXX XXXX XXXX confirms the item was successfully delivered back to the merchant on XX/XX/year>. Despite verified proof of delivery, PayPal is withholding my {$150.00} refund. The automated system appears to be glitched, repeatedly prompting me to return an item that has already been received. XXXX separate PayPal phone representatives verbally confirmed they see the successful XXXX delivery scan but refused to manually close the case, citing an automated system timeline loophole. I am requesting immediate manual intervention from PayPal 's executive escalations team to release my full funds of {$150.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Request for Assistance PSLF Payment Count Error ( FSA Case # XXXX ) I am requesting assistance with a Public Service Loan Forgiveness ( PSLF ) dispute that has remained unresolved for more than XXXX years. My qualifying employers were certified on XX/XX/XXXX. I made student loan payments while employed by qualifying public-service employers between XX/XX/XXXX and XX/XX/XXXX. My StudentAid.gov account currently reflects only XXXX qualifying payments. However, a substantial period of repayment history appears to have been excluded from my PSLF count because the loan was incorrectly categorized as being in deferment. The specific period at issue is XX/XX/XXXX through XX/XX/XXXX. My Navient payment records document monthly payments during this period while I was employed by qualifying employers. The attached payment history reflects approximately XXXX payment entries during that timeframe. I have repeatedly contacted my loan servicers and Federal Student Aid. I have also filed a formal complaint with Federal Student Aid ( XXXX XXXX # XXXX ). Despite these efforts, the issue remains unresolved. Servicer representatives have indicated that the matter must be corrected by XXXX Student Aid, while attempts to resubmit documentation have been rejected as duplicate submissions. Because my temporary payment relief options will expire within approximately XXXX months, I am requesting that your office conduct an inquiry with the Department of Education to determine : XXXX. Why the XXXX XXXX XXXX repayment period is not being counted toward PSLF ; XXXX. Whether the period was incorrectly coded as deferment ; XXXX. What actions are required to correct the payment count ; and XXXX. The timeline for resolution of this case. I appreciate any assistance your office can provide. Thank you for your consideration.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX opened an account under my name without my knowledge or consent. I called to inquire about service, was told someone would call back to complete setup, and no one ever did. No service was activated and no equipment was installed. The only emails I ever received for this account were a past due notice on XX/XX/year> and a final collection notice on XX/XX/year>. There was no prior welcome email, service confirmation, or billing confirming no service was ever established. Despite never receiving service, XXXX sent the account to Credit Collection Services for {$450.00}. I disputed the debt with CCS and submitted documentation proving I never authorized this account. CCS rejected my evidence on the grounds that my documents referenced a different account number but that is precisely the problem. Because no service was ever set up, there is no documentation for this account. I am being asked to prove a negative : to produce records for a service that was never delivered. This is an impossible standard that allows XXXX to collect on fraudulent accounts with no recourse for consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation