vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX RE : Third Dispute / Failure to Validate/ Continued Inaccurate Credit Reporting To Whom It May Concern, I am submitting this complaint regarding continued inaccurate and unverifiable reporting after multiple disputes and repeated failures to conduct a reasonable investigation, and my method of verification letter was ignored. I previously disputed the following accounts on multiple occasions with LVNV Funding ( Resurgent Capital Services ) collection agency and/or This is now my third formal dispute concerning these accounts. -LVNV Funding /Collection acct-XXXXXXXX XXXX XXXX XXXX XXXX - LVNV Funding / Collection acct-XXXX - LVNV Funding / Collection acct-XXXXXXXX XXXX XXXX XXXX XXXX Despite repeated requests, these companies have failed to provide competent evidence validating the alleged debt or confirming the accuracy of the information being reported. Instead, the accounts continue to be reported in a manner that appears inaccurate, misleading, incomplete, or unverifiable. I requested : -Legal authority/ who gave permissible purpose to access credit report. - Original signed credit agreement or contract - Complete payment history /accounting history - Method of verification - Proof of legal ownership or assignment - Date of first delinquency - Documentation supporting the reported balance, late payment, charge offs, or any adverse reporting -Full Name of individual or entity who performed verification -Proof of offer and acceptance -Full chain of assignment To date, these documents have not been provided. The companies continues reporting the account despite failing to produce sufficient evidence supporting its accuracy. I believe this may constitute failures under the Fair Credit Reporting Act, including but not limited to failure to conduct a reasonable investigation after receiving notice of dispute pursuant to 15 U.S.C. 1681s-2 ( b ). In addition, continued reporting of disputed information without competent verification has caused ongoing harm to my credit profile, financial opportunities, and overall consumer standing. I respectfully request that the CFPB : - Investigate this matter - Require the company to provide proper validation - Require correction or deletion of unverifiable information - Ensure compliance with applicable federal consumer protection laws I also request written confirmation of the results of any investigation conducted regarding this complaint with updated reports mailed to address above. Thank you for your attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This is a follow-up to CFPB complaint XXXX filed XX/XX/year>. On XX/XX/year>, my Coinbase account was compromised via session token hijacking resulting in approximately {$110000.00} in unauthorized transactions including the unstaking of XXXX XXXX valued at {$100000.00} and multiple XXXX token purchases. Activity originated from IP addresses in XXXXXXXX XXXX and XXXXXXXX XXXX XXXX neither associated with my California location. Coinbase confirmed the incident as an account takeover in their XX/XX/year> investigation email, which documented the full transaction list. Their XX/XX/year> communication explicitly stated that 'no verification steps were required ' for the attacker to execute the unauthorized transactions. On approximately XX/XX/year>, Coinbase issued a formal denial claiming 'no funds were removed ' from my account directly contradicting their own XX/XX/XXXX documentation. The denial also reversed their earlier characterization of the device as unrecognized, now claiming it had prior history on the account. These are contradictory statements that can not both be true. I formally disputed the denial on XX/XX/year> identifying these contradictions in writing. Coinbase has not responded in 10 days. My Coinbase XXXX account protection benefit which covers unauthorized transfers has been raised in writing multiple times and has never been addressed in any response. My account has remained restricted since XX/XX/year>, preventing access to remaining funds for over 50 days. I am requesting the CFPB review this denial and Coinbase 's contradictory communications in connection with complaint XXXX before the XX/XX/year> deadline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: TX

Complaint narrative:
In or around XX/XX/year>, I was contacted by XXXX XXXX XXXX XXXXs regarding what was presented as a XXXX XXXX XXXX XXXX XXXX XXXX marketed as a XXXX XXXX XXXX XXXX XXXX. During the enrollment and onboarding process, I was led to believe I was completing documentation related to employment opportunities and job placement services. The financing arrangement associated with Climb Credit XXXX XXXX XXXX XXXX was not clearly or transparently explained to me as a traditional private student loan with significant repayment obligations. I did not knowingly enter into a private education financing agreement with a full understanding of the loan terms, repayment obligations, or consequences of default. I later discovered that a private student loan account had been opened and was being serviced by XXXX XXXX XXXX. The account was reported to the credit bureaus and ultimately charged off for approximately {$16000.00}, causing substantial damage to my credit profile. I disputed the account because I believe it resulted from deceptive recruiting, misleading marketing, and lack of informed consent. The program was represented as a pathway to employment and job placement, yet the promised educational and placement services were not delivered as represented. Despite my disputes, the account continues to be reported with severe delinquency history and a charge-off. I have already filed disputes with XXXX XXXX XXXX XXXX filed an FTC Identity Theft/Fraud Report, filed a police report, and previously submitted a CFPB complaint regarding related collection activity. The collection agency involved confirmed that it ceased collection efforts and does not furnish information regarding this account to credit reporting agencies. I requested investigation and verification of this account, including documentation demonstrating informed consent and authorization. However, I have not been provided with sufficient documentation establishing that I knowingly agreed to the loan as it is currently being reported. i was mislead saying it was an employment contract no where they mentioned it was a XXXX XXXX loan. While documents may have been electronically signed during the enrollment process, I did not knowingly and fully understand that I was entering into a private education financing agreement under the terms that are now being enforced and reported. I believe I was induced into the transaction through misleading representations regarding job placement, program outcomes, and the nature of the financing. I am requesting documentation demonstrating that clear and conspicuous disclosures were provided, that informed consent was obtained, and that the loan was originated and reported accurately. I request deletion of the tradeline, removal of all late payment history, charge-off reporting, and negative remarks from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I am submitting this complaint against Netspend/Skylight Financial to dispute a series of predatory and deceptive junk fees that were unfairly assessed on my payroll card.I have already contacted customer service directly to resolve this issue. They offered to refund only a small portion of the money they took, but they refused to return the full amount. I declined their partial offer because I am entitled to a full return of my stolen wages, forcing me to escalate this matter to the CFPB.Specifically, I have been targeted by repetitive and predatory charging cycles. I was charged 34 separate times for a total of 75 hidden fees, siphoning a total of {$25.00} directly from my hard-earned wages.First, I was charged a " Transaction Decline Fee '' when a signature-based purchase was declined, despite the fact that I should not be penalized for trying to access my own earned wages.Second, I was unfairly charged " Money Transfer Service Fees '' and " ATM Inquiry Fees '' without adequate disclosure. When attempting to check my balance or move my direct deposit, these fees were hidden and obscure.Third, my card has been charged fees for purchases being processed or " charging as credit, '' even though my account agreement states that point-of-sale signature purchases are supposed to be free.These back-end junk fees are siphoning my payroll funds. I am requesting a full investigation into these deceptive fee structures, a permanent waiver of these unwarranted charges, and a full refund of the {$25.00} in predatory fees wrongfully deducted from my account.

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 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX capital one venture X card opened XXXX XXXX first purchase made from XXXX {$97.00} XXXX XXXX annual fee assessed {$390.00} XX/XX/year> - Account Restriction Notification letter added to account and email received at XXXX Letter indicated it was a temporary restriction and to contact capital one XXXX XXXX banking statement from XXXX sent to Capital One for review XXXX, XXXX Account Closure notification letter added to account and email received at XXXX XXXX XXXX, XXXX contacted Fraud department about account closure and reversal of annual fee due to account closure. Informed to wait 1 billing cycle to see if fee was reversed. Fee was not removed or reviewed or removed after one billing cycle. XXXX XXXX past due fee {$25.00} assessed XXXX XXXX - interest assessed {$7.00} XXXX XXXX - past due fee {$40.00} assessed XXXX XXXX interest assessed {$8.00} XXXX XXXX past due fee {$40.00} assessed XXXX XXXX interest assessed {$9.00} XXXX XXXX Account Closure notification ( related to 2 other accounts ) letter added to account and email received at XXXX XXXX XXXX contacted fraud department related to account closure. Informed the initial account closure was due to missing/incomplete income documentation. Inquired about fee waiver again. Denied. Requested denial of fee waiver for annual fee, interest, and late fee in writing from representative ( CapitalOne Fraud Department Representative ID : XXXX ) and was informed that could not be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have been unable to reach Navy Federal Credit Union 's customer service to resolve my issue. When I call the published customer service number, the automated phone system routes me through repeated menus and prompts. Each time, I am placed on hold and no one ever answers. I have stayed on hold through multiple calls and have never been connected to a representative who can help me. The result is that I can not get assistance with my account through the phone channel that Navy Federal provides for that purpose. A member should be able to reach a representative within a reasonable time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: OK

Complaint narrative:
I.Q. Data International is attempting to collect an invalid, legally uncollectible balance of {$5600.00} on behalf of XXXXXXXX XXXX XXXX XXXX XXXX ). Under Oklahoma law ( 41 O.S. 121 ), I lawfully terminated my tenancy due to severe, unremedied material habitability violations. On XX/XX/year>, I provided a formal written 14-day notice to the landlord regarding a persistent roach infestation and a lack of reliable hot water. The landlord failed to remedy these issues within the statutory period, which expired on XX/XX/year>. On XX/XX/year>, the XXXX XXXX XXXX XXXX inspected the premises and issued an official " Order to Repair, '' confirming a severe insect and rodent infestation, a missing life-safety smoke alarm, and a broken dishwasher. Because the property was legally uninhabitable and the landlord was in material breach, I formally terminated the lease on XX/XX/year>, pursuant to XXXXXXXX XXXX XXXXXXXX. I officially surrendered the property and returned all keys on XX/XX/year>, which was documented on a " Surrender of Property/Key Return Form '' signed and accepted by the landlord 's onsite representative. Despite this lawful statutory termination, the collection ledger shows that the creditor is attempting to charge a {$1300.00} " Insufficient Notice Fee. '' Furthermore, the agency is deceptively trying to collect {$25.00} for a smoke alarm and {$10.00} for pest controlthe exact municipal code maintenance violations the XXXXXXXX XXXX XXXXXXXX ordered the landlord to repair at their own expense. The remaining carpet replacement fees ( {$830.00} ), cleaning charges, and stacked late fees are entirely uncollectible as the property damage was a direct result of the landlord 's unmitigated biological pest infestation. I have uploaded the signed and dated key surrender form, the formal termination notice, the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and clear photographic evidence of the severe roach and XXXX XXXX. I demand that I.Q. Data International immediately cease and desist all collection activities and delete this inaccurate, invalid balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: NJ

Complaint narrative:
This is my second formal complaint to the CFPB regarding MOHELAs ongoing failure to honor my permanent rate reduction program and correct severe account inaccuracies. My previous complaint on this matter was submitted under Complaint XXXX XXXXXXXX. MOHELA has failed to resolve the situation, which continues to cause me immediate financial distress. I am XXXX months delinquent on my current XXXX month repayment plan, that has increasingly grown since XXXX switched servicing to Mohela. Revocation of Agreement : While my private loans were with XXXX, I entered into a permanent rate reduction agreement that established affordable monthly terms. Following a recent servicing transfer, MOHELA unilaterally revoked this agreement without my consent, spiking my monthly payment to over XXXX XXXXXXXX amount I explicitly do not have the financial means to pay. Account Error : Upon reviewing my transferred account, I discovered that one of the loans listed is for an institution I never attended. This debt is fundamentally not mine and represents a major data integrity failure. XXXX XXXX XXXX- I have never attended this institution. Conflicting Information & Lack of Resolution : On XX/XX/XXXX, I had an initial call regarding these issues. I subsequently received a return call from XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) supervisor offering additional options that were not previously discussed. However, when I called back the number she left, XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) answered and completely contradicted XXXX, stating that no options were available to discuss. Desperate for a resolution, I also contacted the MOHELA Ombudsman Office but have received no call back. MOHELA 's contradictory information, failure to honor existing loan terms, and inclusion of unverified debt have caused me severe financial distress. Because this is an ongoing issue previously escalated under Complaint # XXXX, I urge the CFPB to take immediate enforcement action. I request that the CFPB intervene to compel MOHELA to : Immediately reinstate my permanent rate reduction agreement and adjust my billing to the correct, agreed-upon terms. Investigate and completely remove the erroneous loan for the school I never attended. Audit my account history and provide a consistent, accurate point of contact to resolve this matter. MOHELA has reported my student loans as delinquent. I have attempted to refinance with other student loan companies to escape this situation, but the predatory ballooning interest that has accrued makes refinancing impossible. The current loan balances now exceed 170 % of the original promissory note amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I requested information and debt validation from XXXX XXXX XXXX XXXX XXXX and received account summaries and statements. However, I still have concerns regarding the accuracy of the account reportingXXXX XXXX XXXX XXXX is reporting a collection account balance of {$4100.00} on my credit report. At the same time, Goldman Sachs is also reporting a charged-off balance of {$4100.00} for what appears to be the same account. I am requesting an investigation into whether the account balance, ownership, and reporting status are accurate following any transfer or sale of the account. Please verify whether the account was sold or transferred and ensure the reporting is accurate and not duplicative or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
XX/XX/XXXX {$300.00} canceled payment made on credit card. The payment came from my business account at Chase bank. Money was pulled from my checking

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Formal Complaint regarding XXXX XXXX Dispute On XX/XX/year>, I initiated a {$400.00} ACH transfer through XXXX. The {$400.00} was debited ( and posted ) from my bank account shortly aftet requested, but never credited to my Venmo balance, and the transfer failed to complete by the XX/XX/XXXX deadline. Despite my formal request for a Regulation E investigation and provisional credit, support representatives XXXX and XXXX repeatedly denied escalation to a supervisor and obstructed the dispute process. Furthermore, agent XXXX initially provided an unreadable, redacted dispute number ( XXXX XXXX and discouraged the dispute entirely, claiming it would " mess up '' the transaction. This conduct constitutes a significant failure to adhere to consumer protection regulations regarding error resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Deinde Online Services, LLC
State: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for direct violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the inaccurate, non-permissible, and unverified reporting of an installment trade line on my consumer credit files. First, I have no record of providing valid authorization or establishing a compliant contractual relationship with this financial institution that permits them to furnish my personal information. Under 15 U.S.C. 1681b, any entity furnishing consumer data must possess a verifiable permissible purpose. I demand that XXXX XXXX immediately produce the original, executed loan agreement, complete with verified electronic signature logs or physical signature verification, to prove they have the legal right to access and report my data. XXXX a review of my credit files reveals that this account contains data contradictions that violate the strict mandate for maximum possible accuracy under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). This single account is being reported with conflicting payment and status metrics across the repositories : TransUnion reports the account as " Closed '' with a status of " Collection/Chargeoff, '' a balance of {$0.00}, and a high balance of {$1500.00}. However, the dates, history, and status tracking do not align accurately across XXXX XXXX XXXX creating a fractured reporting trail on the exact same account profile. Pursuant to 15 U.S.C. 1681i, if a credit entry is inaccurate, contradictory, or can not be verified with absolute certainty by the furnisher, it must be permanently deleted from the consumer 's file. The mathematical variations and lack of verifiable contract documentation mean this trade line can not legally remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
We live in XXXX XXXX and have been in a flood zone since we started our mortgage with Mr. Cooper XXXX years ago. Rocket mortgage bought out our loan from XXXX XXXX XXXX XXXX XXXXXX/XX/year> and told us that we no longer need flood insurance. Our insurance broker told us that that shouldnt be so so we verified with rocket mortgage on XXXX separate occasion and each time they told us that we no longer need it. We are now in XXXX and have received a letter from rocket mortgage telling us that they need us to get flood insurance and that we are delinquent since we let it lapse in XX/XX/year> and they will be back charging us with their personal insurance which cost double what we paid a third-party insurer for the last XXXX years. We have complained to them on XXXX separate occasions where they have confessed that their record show that they did tell us that we no longer needed it that are going to charge us anyways. Rocket mortgage is a scam company that steals from their customers it needs to be investigated thoroughly. You can go on XXXX XXXX and many other social forms search rocket mortgage lied and you will see thousands of the similar complaints all coming from customers of companies that were bought out by rocket mortgage.

Company response to consumer: Closed with explanation