vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
I have my mortgage with Rocket Mortgage after they took over XXXX XXXX. Two weeks ago I used their app to make a soft credit inquiry for a home equity loan. That is all that I did. Next thing I know I am receiving paperwork from XXXX XXXX XXXX a XXXX XXXX XXXXr with Rocket Mortgage NMLS/RI LICENSE ID XXXX stating I spoke with XXXX about refinancing my mortgage. No such call took place and I never asked to refinance my home. I have never spoken with XXXX. I consider this fraudulent so the mortgage broker could hit their number of contacts in their customer service system. I have no idea if this is now going to affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing this complaint regarding my account with U.S. Bank, which was abruptly closed for alleged fraudulent activity, despite me not engaging in any fraudulent behavior. While traveling, I stayed at XXXX XXXX XXXX XXXX XXXX XXXX of XXXX and paid a deposit using my debit card. The deposit was charged on a Friday and refunded the following Monday. Immediately after the refund was processed, my account was frozen and later closed without prior notice or clear explanation. I have since learned that multiple members of my family who stayed at the same hotel experienced inconsistent and conflicting transaction issues. For example, my mother was told by her bank that no charge existed, while the hotel claims her card was charged. This raises concerns of a potential merchant processing issue or fraudulent activity connected to this hotel, rather than any wrongdoing on my part. As a result of my account being closed, I have been unable to access my funds for over two weeks. This caused significant financial hardship while I was traveling, leaving me without access to money for basic necessities. Despite multiple attempts to contact the bank, I have not received a clear explanation for the account closure, nor have I been provided a timeline for when my funds will be released.

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 2026-04-08 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
My complaint concerns unauthorized charges made by XXXX XXXX XXXX and my banks failure to properly investigate and reverse those charges. My prior contract with XXXX XXXX XXXX ended in XX/XX/XXXX. In XX/XX/XXXX, the owner discussed a possible renewal with me, but no new agreement was finalized. I only verbally authorized one single charge of {$130.00}. On XX/XX/XXXX, instead of charging my card one time as authorized, the merchant charged my card several times on the same day, including multiple {$130.00} charges and an additional {$100.00} charge, totaling approximately {$600.00}. I did not authorize those additional charges. I disputed those transactions with my bank and explained that this is not a membership payment dispute. My dispute is strictly that I authorized one charge only on XX/XX/XXXX, and all additional charges made that day were unauthorized. The merchant claimed that I electronically signed a new contract in XX/XX/XXXX. I dispute that claim. I did not sign or knowingly authorize a new contract. I was only discussing possible renewal terms. I asked that the alleged electronic signature be verified and compared, but my bank relied on the merchants documentation and denied my claim. I also did not attend or use the gym at any time in XXXX. If the merchant claims I had an active membership, they should be able to provide records showing that I actually used the facility. No such proof has been provided to me. The denial also stated that the banks records determined that I did not use a different payment method. That statement is irrelevant to my dispute and does not address the actual issue I reported. I never claimed to have used a different payment method. My dispute is that I authorized one charge only, and the merchant processed several additional charges without my permission. I also filed a police report stating that I only authorized one charge on XX/XX/XXXX, and that the additional charges were unauthorized. I provided supporting information to my bank, but the dispute was still denied. The denial appeared to treat this as a membership or billing issue instead of what it actually is : unauthorized multiple charges after a single verbal authorization for {$130.00}. I am asking for a proper reinvestigation of the unauthorized charges, review of the alleged electronic contract and signature, and reversal of all charges beyond the one {$130.00} transaction that I approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This account was opened XX/XX/year> they have sold my information to a XXXX party. The credit card was for {$700.00} from XXXX XXXX XXXX. They sold it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Formal Complaint Systemic Inaccurate Reporting and Failure of Credit Bureaus to Ensure Compliance To Whom It May Concern, I am submitting this complaint regarding a pattern of inaccurate and misleading credit reporting across multiple accounts furnished by various creditors and debt collectors, and the failure of the nationwide consumer reporting agencies to ensure compliance with federal law. The following furnishers are involved : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple disputes, these accounts continue to be reported inaccurately, including : Charged-off accounts reported as past due, creating a false impression of active delinquency Continuous monthly charge-off reporting for years, implying ongoing activity Balance updates without any payment activity Missing or inconsistent Date of First Delinquency ( DOFD ) Reporting that suggests extended or ongoing delinquency beyond actual charge-off dates Additionally, the nationwide consumer reporting agencies XXXX XXXX, and TransUnion have failed to conduct reasonable reinvestigations and have continued to report this information after disputes were submitted. This conduct constitutes violations of the Fair Credit Reporting Act, including : - 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy - 15 U.S.C. 1681i ( FCRA 611 ) : Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681s-2 ( b ) : Failure of furnishers to properly investigate and correct disputed information For collection activity : - 15 U.S.C. 1692e : False, deceptive, or misleading representations The continued reporting of this information by both furnishers and credit reporting agencies creates a false and misleading impression of ongoing delinquency and has caused measurable harm to my credit profile.

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 2026-04-08 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> Hello, I am submitting a formal rebuttal to the servicers response regarding my mortgage complaint. The servicers response contains material inaccuracies and does not address the core issue : My loss mitigation application was confirmed as COMPLETE, I was not provided any written notice of missing documents, and my application was later denied for missing documents based on a notice that does not exist. I have attached a structured packet that includes : - Executive summary- Timeline of events - Rebuttal to servicer claims - Key issue breakdown This documentation demonstrates inconsistencies in the handling of my loss mitigation application and raises concerns regarding compliance with required servicing procedures. I respectfully request further review of this matter. Thank you for your time and consideration. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXX XXXX XXXX I was unaware of this debt and didn't get the chance to dispute it if you think you sent proper written notification please provide certified mail with a receipt displaying my signature if not please delete this account as soon as possible or I will be forced to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Albert Corporation
State: FL

Complaint narrative:
I downloaded a money, XXXX XXXX Albert. There was fees that I was unaware of initially beginning in XX/XX/XXXX. It was {$16.00} a month initially. I realized that the fees were accumulating in XX/XX/XXXX at that time they went up from {$16.00} a month to {$19.00} a month. I emptied all of my money from savings canceled the membership and deactivated the account. At that time, I did not post test because I can understand how sometimes that can happen on behalf of the consumers ( my ) failure to pay attention to detail when signing up for something. However, last night, I noticed a withdrawal from my bank account of {$39.00} from Albert ( a different bank than i had attached to it originally. ) I went back onto the app to go look at the history and somehow the app saw that the membership was never deactivated, and the fees went up to {$21.00}, then {$24.00} then ended with {$39.00} it was different for each month in XXXX after XXXX. XXXX XXXX all of the fees changed to {$39.00}. I never gave this app my other bank account information. I dont know how my account was reactivated and did not consent to the fees going up. I reached out to them, they said that they will not give me a refund and they deactivate my account. I asked them for a confirmation email that my account was deactivated and they did not respond. As I went back through my email, I saw that there was no confirmation email of subscription deactivation first time I deactivated it as well. I thought I may have deleted the email until they were reluctant to send me a new email for confirmation of deactivation.

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 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email stating that your platform would transition from Solar Mosaic LLC to Solar Servicing LLC. The email clearly indicated that there would be no changes to my loan terms, payment schedule, servicing process, or payment methods, and that I could continue making payments as usual. On XX/XX/XXXX, I retained XXXX XXXX XXXX ( XXXX ) to assist me in exiting my solar contract due to the companys bankruptcy and unresolved installation issues that caused a leak in my home. My last successful automatic payment was processed on XX/XX/XXXX. The next scheduled autopay was set for XX/XX/XXXX, as confirmed in prior communication stating that payments would continue to be automatically deducted from my bank account. However, between XX/XX/XXXX, and XX/XX/XXXX, my autopay was canceled without my authorization or any notification to me or my legal representative. During this period, my account was marked as delinquent despite the fact that the failure to process payments resulted from your company disabling autopay without notice. This has negatively impacted my credit and raises serious concerns. On XX/XX/XXXX, I contacted your company to inquire about the issue. I was told to communicate through my attorney and was only advised that I could manually make a payment, which I did, along with re-enrolling in autopay. No explanation was provided, and I was denied information despite being the primary account holder actively making payments. This situation reflects a lack of transparency and proper communication regarding my account. I request a full explanation of why autopay was canceled without notice, why neither I nor my attorney were informed, and what corrective actions will be taken regarding the impact on my account and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I received a collection notice from Commercial Acceptance Company regarding a medical debt. The letter contains aggressive and assumptive language stating that I have ignored all attempts and am refusing to pay, which is inaccurate and misleading. The letter also imposes a very short 5-day deadline, which feels coercive. In addition, I was previously contacted by phone by this company and was pressured to make a payment over the phone. I declined to provide payment information at that time, as this felt inappropriate and raised concerns about the legitimacy of the request. I am requesting validation of this alleged debt and a review of the companys communication practices, which I believe may be misleading, aggressive, and potentially coercive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IA

Complaint narrative:
So I am XXXX XXXX cash tag XXXX XXXXXXXX. And I made a previous cfpb complaint about them false advertising and they banned me like about a month later for no reason so I think that after they seen that complaint they decided to ban me because they wouldn't even give me a response on what I did wrong this is my ticket ID XXXX. From the last complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Bounce AI for false, deceptive, and misleading debt collection practices, as well as failure to validate a disputed debt and continued collection activity during an active dispute. The debt in question originated with XXXX XXXX, who sold the loan on XX/XX/year> ( as shown in my promissory note ). Bounce AI is a thirdparty debt buyer and is reporting the account to the credit bureaus. I disputed the debt with Bounce AI and requested validation. Bounce AI never provided any validation, ownership documentation, accounting, or proof of a legal right to collect. Despite my dispute, Bounce AI continued collection activity. -- - Deceptive email sent by Bounce AI On XX/XX/year>, Bounce AI emailed me stating : Your {$6700.00} debt is close to being reported. This statement was false and misleading. Bounce AI had already reported the debt months earlier, as shown on my TransUnion credit report : Date Opened : XX/XX/year> Status : Collection Remarks : Placed for Collection Bounce AI falsely claimed the debt was close to being reported when it was already reported, which is a deceptive attempt to pressure me into payment. Violations Bounce AIs actions violate multiple consumer protection laws : FDCPA Violations 807 ( 2 ) ( A ) False representation of the character or status of a debt 807 ( 10 ) Use of deceptive means to collect a debt 809 ( b ) Continued collection activity without providing validation FCRA Violations 623 Furnisher duties during a dispute Bounce AI updated and continued reporting the account during an active dispute Bounce AI failed to investigate or validate CFPB UDAAP Violations Deceptive practices Misleading statements False threats of credit reporting What I am requesting I am requesting that the CFPB : 1. Investigate Bounce AIs deceptive collection practices 2. Require Bounce AI to provide : Proof of ownership ( Bill of Sale, Chain of Title, Loan Schedule ) Full validation of the debt Complete accounting 3. Require Bounce AI to cease collection activity until validation is provided 4. Require correction or deletion of any inaccurate or unverified credit reporting XXXX. Ensure Bounce AI stops sending misleading or deceptive communications Evidence attached I am attaching : The XX/XX/year> deceptive email from Bounce AI My TransUnion credit report screenshot showing the account was already reported My XXXX XXXX loan document showing the loan was sold on XX/XX/year> My dispute communications

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
THE KEEP CALLING ME SAYING THEYRE CALLING FROM A LAW INFORCEMENT AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I am filing this formal complaint against Affirm for attempting to collect on a loan for a defective and hazardous product sold by XXXX of their partner merchants, XXXX I financed an aftermarket wheel and tire package through Affirm for my XXXX XXXX XXXX XXXX Immediately after installation, the vehicle experienced violent shaking at speeds of XXXX MPH, rendering it completely unsafe to drive. To verify the cause of the severe vibration, I obtained XXXX independent diagnostics from certified mechanics, both of which confirm the merchandise sold by XXXX is structurally defective and improperly fitted : XXXX XXXX XXXX ( Invoice # XXXX, XX/XX/XXXX ) : The technician explicitly documented that the right front wheel is bent. Furthermore, the technician confirmed that the hub-centric rings/spacers provided by AudioCityUSA are not properly centered to the wheels, meaning the merchant sold me incorrect hardware for my specific vehicle. XXXX XXXX XXXX XXXX ( Work Order # XXXX, XX/XX/XXXX ) : The report explicitly states there is a " DEFECTIVE LR TIRE '' and that the wheels can not be properly balanced due to exhibiting higher numbers than expected. The underlying product manufactured and sold to me is inherently defective. XXXX has refused to issue a full refund for this hazardous merchandise and is unlawfully attempting to force me to pay return shipping for non-conforming goods. I have provided this documentation to Affirm. Despite this undeniable proof of mechanical defects, Affirm has sided with the merchant and is continuing to send payment requests and pursue aggressive collection efforts for the remaining {$500.00} balance, while ignoring the approximately {$2000.00} I have already paid toward a product I can not safely use. Under the Federal Trade Commissions " Holder in Due Course '' rule ( 16 CFR 433 ), I am legally raising the same claims and defenses against Affirm that I have against XXXX. I am not legally obligated to continue paying a third-party lender for defective merchandise that the seller refuses to remedy.

Company response to consumer: Closed with explanation