vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — FHA 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: TX

Complaint narrative:
Date : XX/XX/year> Subject : Complaint Regarding Escrow Increase and Failure to Review Homestead Exemption Loan Number : XXXX or XXXX Property Address : XXXX XXXX XXXX, XXXX TX XXXX To Whom It May Concern, I am submitting this complaint regarding my mortgage servicer, Rocket Mortgage, and their failure to properly address an escrow adjustment on my account. Recently, my monthly mortgage payment increased significantly due to an escrow adjustment ( After I recently paid {$5500.00} towrd escrow shortage ). My property qualifies for a homestead exemption in the State of Texas, which should reduce the amount of property taxes assessed on the property. Despite this, the escrow calculation appears to reflect a higher tax amount than what should be applied with the homestead exemption. I have attempted to contact Rocket Mortgage to resolve this issue and request a review of the escrow analysis ; however, I have been unable to obtain assistance or a timely response. As a result, my mortgage payment has increased substantially based on what I believe to be an inaccurate escrow calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

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 non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have no ties or association with these accounts and they must be removed within 15 days according to USC 1681g. .

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On Thursday, XX/XX/year>, at approximately XXXXXXXX XXXX I called customer service for the PayPal Cashback Mastercard issued by Synchrony Bank because I was unable to redeem approximately {$50.00} in cashback rewards through the app. The representative initially told me the app might be down and suggested I try again later. A moment later, she checked the account and informed me that my credit card account had been closed and that a notice had supposedly been sent. This came as a complete surprise. I was never notified beforehand that the account was under review or at risk of closure. I have never missed a payment, never made a late payment, and I have consistently paid my balances on time. My credit score is approximately XXXX, and I have maintained responsible payment behavior for years. When I asked for the reason the account was closed, the representative stated it was due to me being a high risk factor for not paying. This explanation does not make sense given my payment history. I have always paid my balances on time, often paying large amounts in full. For example, I recently made a purchase of around {$1000.00} and fully intended to pay it off in a single payment, just as I have done with previous balances of {$300.00} {$500.00} in the past. Because the explanation did not match my history, I asked to speak with a supervisor. The supervisor repeated that the account was closed due to multiple risk factors. When I asked what those risk factors were or what evidence supported that conclusion, the supervisor stated that he could not see the specific factors and could not tell me what they were. I was told only that a review request could be submitted and that it would take approximately 15 days. Closing a credit account without warning, without providing a clear explanation, and while withholding earned cashback rewards raises serious concerns about transparency and fair treatment. I am requesting that the company provide a clear explanation for the closure decision and return the cashback rewards that were earned prior to the account being closed.

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 2026-03-05 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: NC

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Capital One Customer Support, I am writing to formally raise a concern regarding my XXXX XXXX credit card account. I missed a payment by one day, but I immediately made the payment the following day and the payment has already cleared. At this moment, there is no outstanding balance due on my account. However, my credit card has been locked and I was informed that I must make an additional payment for a future due date before my card can be unlocked. I do not understand why I am being required to make a payment when there is currently no amount due on my account. If my account is current, I believe it is unreasonable to restrict my card usage and request additional payments ahead of the billing cycle. This situation is causing unnecessary difficulty in using my credit card, especially considering I pay the annual fee and maintain the account responsibly. Additionally, during my call with customer service, I spoke with Supervisor XXXX. Unfortunately, his communication was not helpful and his approach was quite discourteous. The regular customer service representatives were more helpful than the supervisor, and I believe the interaction could have been handled much more professionally. I respectfully request that : My account be reviewed immediately. My credit card be unlocked since the payment has already cleared. A clear explanation be provided regarding the request for an additional payment. I value being a Capital One customer and hope this matter can be resolved promptly and fairly. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: CA

Complaint narrative:
SELFINC/LEAD is falsely reporting on my credit. I have never had any accounts with them. Per my research SELFINC/LEAD 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 2026-03-05 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: TX

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SERV/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Bank of Hawaii made an unauthorized ACH debit on XX/XX/2026 for {$4000.00}. I spoke with the bank fraud department and ACH department and they said they will not assist me with investigating why this ACH occurred. I asked for a provisional credit of the {$4000.00} while this is being investigated and they refused multiple times. I even wrote the bank president, XXXX XXXX XXXX, who responded through a colleague that they will not offer the provisional credit and good luck investigating this on your own with the originating bank XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: PA

Complaint narrative:
I had a CASH APP account for about 5 years. Then one day I received a message saying it was closed due to a violation of terms. I have done nothing wrong, but yet they insist to be evasive to their actions?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX 7 unauthorized withdrawals ware taken from my account. I immediately notified Chase and they opened a claim. The claims were denied because they said the money was withdrawn from XXXX XXXX. I dont even know how to withdraw money from XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This complaint is not a duplicate complaint. It concerns Bank of America 's failure to address Regulation E investigation compliance issues Failure to Address Regulation E Investigation Timeline and Mismatched Documentation Bank of America Dear Consumer Financial Protection Bureau, I am submitting this complaint because Bank of America has failed to address critical questions regarding the handling of my dispute investigation. I previously filed complaints with the CFPB under the following case numbers : XXXX XXXX XXXX However, the responses provided by Bank of America did not address the specific compliance concerns I raised. My concerns are not simply about the dispute outcome, but about whether the bank complied with the investigation requirements under Regulation E ( Electronic Fund Transfer Act ). Specifically, Bank of America has not explained the following : 1. Why the investigation exceeded the Regulation E time limits. Under Regulation E, financial institutions must generally complete investigations within specific timeframes ( typically 10 business days or up to 90 days under certain conditions ). I have not received any explanation of the timeline used in my case. 2. Why the documentation associated with the investigation appears mismatched. Some of the materials referenced in the banks response do not correspond with the transactions or dispute details I submitted. 3. Why the bank failed to provide a clear written explanation addressing these issues.

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 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am writing to formally appeal the permanent suspension of my account and the 180-day hold placed on my funds. After receiving a deposit exceeding {$3000.00}, I encountered repeated account suspensions. Each time, I complied with requests for identification documents, and my account was briefly reinstated. I believe these triggers may have been caused by logging in from different devices while my permanent phone was being repaired ; however, I have consistently verified my identity as requested. Despite these verifications, I was unable to transfer my balance to my linked bank account or use an ATM without triggering further suspensions. Most recently, I received notice that my account is permanently banned and my funds will be held for 180 days. The explanation providedthat funds are held to cover potential chargebacksdoes not apply to my situation. My account is a personal account, not a business account, and the funds in question are personal transfers. I have never initiated a dispute or had a chargeback filed against me. A 180-day hold is excessive and creates significant financial hardship, as I rely on these funds for essential expenses like rent and bills. I have not violated the Terms of Service and have used the platform as intended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I am formally disputing the {$9100.00} collection account for XXXX XXXX AT XXXX XXXX ( Account # XXXX ). This debt is a direct result of XXXX XXXX. I was forced to break my lease on XX/XX/XXXX, because my abuser discovered my location, creating an immediate threat to the safety of myself and my child, Legend. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-3 ), which requires credit reporting agencies to block adverse information resulting from XXXX XXXX. Furthermore, under the Debt Bondage Repair Act, furnishers like National Credit System are prohibited from reporting debts that were incurred as a result of victimization. The reporting of this {$9100.00} balance is inaccurate and a violation of the FCRAs Accuracy and Integrity requirements ( 15 U.S.C. 1681s-2 ). I have already initiated a formal request for the XXXX and XXXX police records from XXXX XXXX to serve as appropriate proof of the ongoing XXXX XXXX that necessitated this emergency move. "

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: NJ

Complaint narrative:
I have made a dispute on an unauthorized charge I had. I didnt allow this transaction, I didnt make the transaction, nor was I aware there was going to be a transaction. I tried to dispute the charge. It was denied as well as my appeal. I was charged XXXX on the XXXX of XXXX. I was failed to be provided reason of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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:
Validation of Debt Request - JEFFCAPSYS - XXXX XXXX XXXX XXXX XXXX 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 ) 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
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
My checking account with JPMorgan Chase ( ending in XXXX ) was restricted and later closed by the bank after I deposited a check from my fathers estate. Chase reversed the deposit and terminated the account. At the time the account was closed, Chase issued me a check for the remaining balance and ended the relationship. After the account had already been closed for several weeks and I no longer had any access to it, Chase began sending emails claiming that the account has a negative balance of {$360.00} and requesting payment. I was never previously notified that I owed any balance before or at the time the account was closed. Based on the information provided so far, it appears that the claimed negative balance is the result of overdraft fees or service charges that were assessed after the account was restricted or closed by Chase. I have requested a complete itemized accounting showing how this balance was calculated, but have not received documentation explaining the charges. I am requesting that Chase provide a full ledger of the account activity that produced the {$360.00} balance and review and waive any overdraft or service fees that were assessed after the account restriction and closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Aragon Agency Inc has been sending me collection notice in the about of insert amount the collection has been reported as past due. I do not know this company has been reported as past due. I do not know this company, I never done business with this company. This company does not have a contract with my signature.

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 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: NY

Complaint narrative:
I purchased a {$3000.00} mentorship program from XXXX XXXX using Zip installments. The sales process was unprofessional : multiple scheduled calls were missed with no proactive communication, and I was never informed that the mentor would be unavailable immediately after I joined due to a wedding/honeymoon. I joined the program expecting 1-on-1 mentorship and access to live group calls, but these services were not accessible during my enrollment. I paid {$1600.00} through Zip and requested that XXXX XXXX cancel my enrollment, refund the amount paid, and cancel the remaining installments. I also requested clarification on the refund policy and resolution of the sales process issues. XXXX XXXX refused, citing only their internal refund policy, and did not provide any of the requested information. I contacted Zip to escalate the dispute, but they have declined to resolve it, stating that a refund must be approved by the merchant. XXXX has already reviewed the same transaction and issued a refund for the payments processed through them. XXXX XXXX refusal to provide the requested resolution and Zips refusal to investigate have left me unable to resolve this through the normal channels.

Company response to consumer: Closed with explanation