vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NM

Complaint narrative:
I am banking with Chime. My card was stolen and was used to make unauthorized charges. XX/XX/year> @ XXXX in the amount of {$96.00} ( XXXX XXXX ) XX/XX/year> @ XXXX in the amount of {$43.00} ( XXXX XXXX ) XX/XX/year> @ XXXX in the amount of {$5.00} ( XXXX XXXX ) There was also a pending transaction for {$150.00} ( XXXX XXXX ) that said that amount was returned but I still have not seen it back in my account. I have called chime to report/dispute this matter two times now, and then called again after a denial of my claim? ... I have also filed a police report on this matter with my fiance ( XXXX XXXX ) for the stolen cards and identity which is also was attached to my claim. I have not recieved all my funds back!!! All cards have been frozen with the pin and still authorized charges from the thieves that stole our wallet with everything in it. And its on Chime to reimburse these funds immediately because banking with them or any bank should be liable for the safety of their customers accounts while banking with them. And this, unfortunately, was not the case!! I need action to immediately be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. Spring oaks capital LL date opened XXXX XXXX, XXXX acct # XXXX {$2400.00} XXXX XXXX XXXX date opened XXXX, XXXX Acct # XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: TX

Complaint narrative:
I am filing this complaint regarding a collection account that appears on my credit report. I do not recognize this debt and request validation.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I am writing to formally dispute a {$6700.00} charge on my account that resulted from a canceled rewards booking and subsequent re-charge error. Timeline and Details : On XX/XX/2026, I made a travel booking using Membership Rewards points. I was advised I could cancel the booking the same day, and then rebook later with my airline of choice while still receiving the 35 % points rebate for a first-class ticket. I followed those instructions and canceled the booking on the same day ( XX/XX/2026 ). However, I was unable to rebook immediately and did not complete a new booking until XX/XX/2026, when I found a comparable option. Issue : After the original booking was canceled, I was later re-charged {$6700.00}, despite : The original transaction being canceled the same day No new identical transaction being authorized at that time I received no email, phone call, or written notification informing me of this re-charge. I only discovered it upon reviewing my statement. Prior Contact / Confirmations : I have made multiple attempts to resolve this issue : XX/XX/2026 Initial call ( recorded ) XX/XX/XXXX Spoke with Manager XXXX XXXX, who confirmed this appeared to be an error, noted my account, and advised resolution within 48 hours XX/XX/XXXX Spoke with Manager XXXX, who spent several hours attempting to fix the issue and reopened the case, but the issue remains unresolved XX/XX/XXXX Requested a manager callback and was told I would receive a response within 24 hours no callback was ever received Additionally, multiple representatives and managers have acknowledged this appears to be an American Express error, and that notes were entered into my account confirming this. Summary : I am currently being charged for : A transaction that was canceled the same day A reward-based booking that was never completed in its original form A re-charge that was applied without notice or authorization Requested Resolution : I am requesting : Immediate removal of the {$6700.00} charge Full correction of any related rewards/points discrepancies A formal explanation as to why this error has not been resolved despite prior confirmations Written confirmation of resolution If this issue is not resolved promptly, I will proceed with formal escalation, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. This matter has already required significant time and effort to address, and I expect immediate and proper resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have received notice of a debt collection account that appears on my credit profile in which has never been mine or have this telephone account XXXX been a phone provider to me. I have had XXXX for over 9 years and XXXX XXXX nor this collection account I have no knowledge about please block and remove this fraudulent account and history from my credit profile it is not mine and is another stolen product from company under my name and information that I dis not authorize.

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 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I sent two formal, written requests for debt verification along with conditional settlement offer to Columbia Debt Recovery via mail. After I failed to receive a response from the first letter, I sent a second letter via verified mail. The company has completely failed to acknowledge or reply to validation request I sent for the alleged rental debt of {$4600.00}. I am requesting that the CFPB compel them to respond, or otherwise have this unverified item completely deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/XXXX I opened Goldman/Marcus online CD XXXX XXXX XXXX month cd account by error. I actually wanted the XXXX XXXX XXXX month. I immediately contacted their help chat for assistance. Thank you for holding. In this case, we can close your CD account and then you can open a new one with the term that you desire. Unfortunately, the department that can assist you with this request is closed today. I recommend you to contact us tomorrow in order to process your request. If you contact us within XXXX hours from when the CD was opened, we can waive the early withdrawal penalty. CD accounts are time deposit accounts. On XXXX I submitted the following : I am submitting this as a formal complaint regarding an unresolved issue involving a recently opened Marcus CD account. I identified an error shortly after opening the account and contacted customer service on Monday to request a specific corrective action. During that call, I spent approximately XXXX XXXX with multiple representatives repeating the same information and experiencing extended hold times before being informed the issue would be corrected. When no corrective action occurred, I contacted Marcus again on XXXX. Once again, I was required to repeat the same information to multiple representatives and a supervisor. I was then informed the correction would take a couple days rather than overnight. I additionally requested escalation to management and was told a manager would contact me directly. No callback or follow-up has occurred. As of today, the requested correction remains incomplete. I respectfully request : 1. Immediate review of this matter 2. Completion of the requested corrective action 3. Written confirmation once completed 4. A complaint or case reference number 5. A single point of contact for follow-up 6. Review of the recorded calls from Monday and Tuesday I received the following response from Marcus : I can provide you a case interaction number, which is the one of your specific request. This is an internal number and if you want more information you can contact us back and provide this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I received an invitation from Robinhood to apply for a Robinhood Gold credit card and was initially approved. I later added my daughters as authorized users using their correct legal names and mailing addresses. I also already maintained a Robinhood brokerage account using the same identity and address information associated with these accounts. After approval, Robinhood incorrectly shipped my card to the wrong address despite the correct mailing information being provided. I contacted Robinhood and they reissued a replacement card. The replacement card never arrived at my home, however a few days later I received a request to activate the card. I contacted Robinhood again asking whether the replacement card had once again been mailed to the wrong address. Shortly afterward, my account was placed on hold and I was asked to verify my identity. I fully complied by uploading my driver license and completing facial/biometric verification through Robinhoods system. Despite complying with all verification requests, Robinhood later closed my credit card, checking, savings, and related accounts for suspected fraud. Robinhood has still not provided any meaningful explanation regarding what specifically failed verification or what allegedly constituted fraud. My identification information and mailing address matched the existing information already associated with my Robinhood brokerage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My account was sold I dont know who these people are

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Subject : Unresolved Request for PMI Removal and Misapplication of Appraisal Funds Loan # XXXX I am writing to formally complain about Rocket Mortgages failure to process my request for Private Mortgage Insurance ( PMI ) removal and their mishandling of the appraisal fee I paid. Timeline of Events : XX/XX/2026 : I initiated a request with Rocket Mortgage to remove my PMI based on the current market value of my home. XX/XX/2026 : I paid an appraisal fee of {$750.00} to Rocket Mortgage to facilitate this process. XX/XX/2026 ] : My transaction history shows a " Principal Payment Reversal '' of {$750.00}, followed by an " Advance on your behalf '' of {$750.00}. Current Status : Despite these funds being designated as an " Advance '' ( which signifies payment for a service ), Rocket Mortgage has failed to provide a status update on the appraisal, has not confirmed that an appraiser has been ordered, and continues to charge me for PMI. I have repeatedly attempted to resolve this through Rocket Mortgages customer service line, but I am receiving no clear answers or actionable timelines. They have accepted my payment for a service that they are failing to perform.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Open new account and deposited XXXX they put a hold with an expiration date of XX/XX/year> and they told me the funds would be available the next business day and the hold remains they told me to go to a branch and I explained there is no branches in my state then they said to just wait

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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
Absolute Resolutions did NOT provide the legally required notice that they were attempting to collect this debt, and they can not prove that they did. Then, they sued despite the contract having a legally binding arbitration clause stating that all disputes must be resolved through arbitration. I filed an arbitration request and they ignored it, refusing to honor the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I and my wife took loan out to repay loan and to increase loan to pay off other debt. My ex-wife had a XXXX due to XXXX and suffered XXXX XXXX as a result. With her medical issues it became impossible to make the payments. When I contacted them, they refused to assist with deferment or to decrease the XXXX % or XXXX interest rate. It has now been XXXX years and more they are suing us. My ex-wife has suffered XXXX XXXX in the past XXXX and I am a XXXX related XXXX XXXX on XXXX. I've contacted my states legal aid and to date they were unable to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank said my account approved for closure and holding me all my life money

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 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
Rocket Mortgage mismanaged my escrow account and is now penalizing me for their own clerical error in violation of RESPA guidelines. On XX/XX/year>, Rocket Mortgage admitted they mistakenly paid my escrowed flood insurance premium to the wrong company ( XXXX ) instead of my actual provider ( XXXX XXXX XXXX ). To correct their error Rocket Mortgage put an advance on my escrow account to pay XXXX. This administrative error forced my escrow account into an artificial negative balance. On XX/XX/year>, after discovering XXXX replacement payment was silently rejected as a duplicatewhich nearly caused my policy to cancelI submitted a formal request to remove flood insurance from my escrow account. On XX/XX/year>, Rocket Mortgage formally denied my request. They provided a list of account requirements and explicitly stated that the negative escrow balance was the only reason for the denial. Rocket Mortgage is holding my account privileges XXXX based entirely on a financial deficit they manufactured through their own negligence. I have repeatedly requested that they manually adjust the ledger to reflect that this error is theirs, but they continue to send repeated rejections due to a negative escrow balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding the Chase Sapphire Preferred {$50.00} annual hotel credit.For my XXXX cardmember benefit year, the Chase online website/portal displayed that my {$50.00} hotel credit was still available and showed an expiration date of XX/XX/2026. Based on this information, I reasonably believed I still had time to use the credit and therefore did not redeem it earlier.On XX/XX/2026, while it was still before XXXX XXXX in my local time, the Chase online portal showed the hotel credit as expired, despite the expiration date displayed indicating it should still be valid through that date. The expiration date did not specify any timeofday or timezone cutoff. As a consumer, I reasonably understood the benefit to remain valid through the end of the stated date.I immediately contacted Chase customer service by phone on XX/XX/2026, before the end of the day in my local time, to report this issue. The customer service agent, XXXX, was unable or unwilling to assist and did not provide a resolution or escalation. Chase therefore had notice of the issue on the stated expiration date and declined to correct it.I relied on the information presented in Chases official online portal when managing my credit card benefits. I believe this constitutes misleading or inaccurate disclosure of a promised card benefit and resulted in the loss of the {$50.00} hotel credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I am filing this complaint against Transworld Systems Inc. ( TSI ) for improper debt collection reporting and violations of the automatic stay protections under the XXXX XXXX XXXX XXXX I filed for XXXX XXXX XXXX protection on XX/XX/year>, under XXXX XXXX. XXXX. At the time of filing, the debt that Transworld Systems Inc. is attempting to collect was included in my XXXX petition and is therefore subject to the automatic stay protections under federal XXXX XXXX Despite having notice and/or knowledge of the pending XXXX case, Transworld Systems Inc. proceeded to report a collection account to all three major credit bureaus after the XXXX filing date. The account was reported to all XXXX major credit bureaus, XXXX XXXX XXXX XXXX on XX/XX/XXXX as an active and collectible debt with an outstanding balance due. Additionally, the credit reporting information furnished by Transworld Systems Inc. incorrectly states that the debt was not included in XXXX, which is false and materially misleading. The debt was in fact included in my XXXX petition. I believe this conduct constitutes : * A violation of the automatic stay under 11 U.S.C. 362 ; * Inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ) ; * Improper debt collection activity during a pending XXXX proceeding. This inaccurate reporting has caused harm to my credit profile and creates the false impression that I remain personally liable for a debt that is subject to XXXX protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
My name is XXXX XXXX. I am writing to address the closure of my usbank checking account ending in XXXX. I have spoken with the XXXX MO branch manager and apparently they can do nothing on the account The closure was triggered by the unintentional deposit of a fraudulent check from a soda company. The check was made out to me. I am a victim of this scam and have already filed a report with the Federal Trade Commission. Please note that none of the funds from that check were spent. My account was always in good standing, and I consistently deposited funds whenever required. I had several automatic payments linked to the account that have now not only ruined my credit but are in collection as these accounts require a valid banking account of which now I can not have anywhere due to US Bank making a XXXX report of fraud attached to my name I did not write the check. I did not know it was a bad check. How can I be held responsible for and suffer the repercussions of something I had no control over or any knowledge of? After XXXX phone calls to no avail, being told I should make sure I know who gives me a check, and told there is nothing that can be done. I am completely and utterly destroyed financially, mentally, and how others perceive me. The shock and stress alone from all this is more than a person can take let alone the embarrassment, defamation of character, financial and credit score ruin.

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