vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Our 30 year FHA mortgage was originally with XXXX XXXX and was bought out in XX/XX/XXXX by XXXX XXXX. On our credit report it shows our XXXX XXXX account was closed but there is now no record of us having a mortgage and it has detrimentally affected our credit score. We reached out to XXXX XXXX several times, I was informed by representatives at XXXX XXXX that they would be reporting the account and on time payments to the credit bureaus in XX/XX/XXXX as they had a 90 day window from the account moving to them before they reported positive or negative information to the credit bureaus. That never happened. We followed up and again no change. The mortgage as of XX/XX/XXXX is now under Rocket Mortgage who bought/merged with XXXX XXXX they too have not reported the account or any on time payments we have made to both companies since XX/XX/XXXX. My husband called Rocket Mortgage and was at first told that we do not own our home due to a bankruptcy we had in the past but our bankruptcy is cleared from our account now as it has been over 7 years and the mortgage was never part of that, the woman on the phone from Rocket Mortgage was apparently confused between the type of bankruptcy we had ( XXXX XXXX vs. what she was thinking XXXX XXXX ). She apologized after causing very unnecessary concern, she told my husband they had reported to the credit bureaus and we needed to call them to find out how Rocket Mortgage were reporting incorrectly and what they needed to do differently, as it was not showing up, and get back to them. My husband called the credit bureaus to which he was told they could not do anything as the loan was not even on our report anymore. It is showing as closed from XXXX XXXX when in fact it was transferred. We are beyond frustrated trying to get this transferred mortgage account back on our credit report along with the positive payments we have made since XXXX of last year. I am sure if we didn't make payments the negative reporting would show up no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
Harris & Harris XXXX alleged debt associated with XXXX I am filling a formal complaint against Harris & Harris regarding repeated harassments, threatening communications, and improper debt collection practices in violation of the fair debt collection practices act ( FDCPA ). Beginning on or around XX/XX/year>, I began receiving repeated text messages and phone calls from Harris & Harris regarding an alleged debt tied to a T-mobile account. I have received text messages or calls during unreasonable hours including as late as XXXX and continuing throughout the day into the afternoon. The same communications have been frequent and excessive often multiple times a day. Representatives that call have made statements implying that I could face jail time if payment is not made. Such calls have cause distress and disruption.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I never had a credit card with this limit or company /bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Fraudulent charges to a vendor which I reported to the bank, they failed to properly investigate. They c closed my claim stating in favor of XXXX due to XXXX providing a XXXX tracking number. What the bank felt to do was to follow up with XXXX and verify the tracking number was me and my address which it was not. I have filed a police report. I submitted documentation to them showing the tracking number who it went to. They still denied my request to refund my money and informed me I would need to work this out with the vendor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NJ

Complaint narrative:
On XX/XX/XXXX, my credit score dropped XXXX points due to a reporting error by my student loan servicer, MOHELA. Although my account is in a government-mandated administrative forbearance, the servicer is incorrectly reporting an active payment due date of XX/XX/XXXX. This reporting contradicts an official notice I received from the servicer dated XX/XX/XXXX ( see attached ), which explicitly states that my income-driven repayment ( IDR ) plan recertification date was moved to XX/XX/XXXX and that my forbearance status remains in effect. While XXXX attributes a XXXX-point drop to a new account opening on XX/XX/XXXX, the magnitude of this drop is directly linked to the 13 incorrect status updates MOHELA reported on XX/XX/XXXX. A single account opening does not typically result in a XXXX-point decrease without underlying reporting errors and XXXX dropped my credit score by XXXX points correctly citing my MOHELA loans as the reason. XXXX did update my loans to show that they are in forbearance and gave me back XXXX point to my credit score. I have already attempted to resolve this issue by filing formal disputes for all 13 loan sequences with the credit bureaus ( XXXX and XXXX ). However, the servicer verified the inaccurate XX/XX/XXXX due date as correct, and the bureaus failed to conduct a reasonable investigation despite the evidence provided. This error appears to be a systemic reporting failure following the XX/XX/XXXX, court ruling that terminated the SAVE plan. I am requesting that my account status be corrected to 'Current ' and 'In Forbearance ' and that all negative ratings resulting from this glitch be removed.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I enrolled in XXXX XXXX in XXXX NJ. I have not received any schooling or any services from them the 2 times I have attended the site. I sat in my own personal vehicle for almost the entirety of the 4 hour sessions. There are no manual transmission trucks in the yard tonise which is what was signed up to use. The school is not as described and there has been no services received by me. My credit card company, XXXX signature credit card by comenity bank and bread financial has refused to issue the chargebacks for 4 separate charges after my card information was stored on their website for auto payment without my consent. XX/XX/scrub>XXXX XXXX XXXX - XXXX XXXX NJ {$310.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ {$310.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ {$310.00} XX/XX/year>XXXX XXXX XXXX - XXXX XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My account was hacked and over XXXX dollars was taken out of my account that I didnt do and yet they closed the claim without giving the money back. I didnt make these transactions

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
They lowered my credit limit without cause using made up reasons. My income last year temporarily tanked due to emergency XXXX XXXX. Nonetheless, I made all payments on time and over the minimum required due to my reserve emergency account. Additionally, I am back to full time work, my income will actually be higher this year and by the end of XXXX I have already paid back {$10000.00} in credit card debt. They refused to reverse their decision which was arbitrary and capricious. Their actions also caused my credit score to get worse by increasing my ratio of debt to available credit. Two other cards did the same thing at the same time, causing a cascading lowering of my credit score even though I met all my obligations. This makes it look like I ran my cards to the wall when the companies actually moved the wall down to my debt level.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing a complaint regarding unfair overdraft fees caused by delayed funds availability and inadequate customer service. I initiated a transfer from my account at XXXX XXXX XXXX XXXX to my Wells Fargo checking account before scheduled payments were due. Based on my prior experience, these transfers have typically been available within a consistent timeframe. In this instance, Wells Fargo delayed the availability of my transferred funds. During this delay, transactions were processed and resulted in approximately {$350.00} in overdraft fees. These fees were not due to a lack of funds, but due to Wells Fargo delaying access to funds that had already been transferred. I contacted customer service to resolve this issue and request a refund. During one of my calls, I was disconnected by a representative before my issue was resolved. On a subsequent call, I was told that only one overdraft fee could be refunded per year due to internal policy, and only a single fee was refunded. This response does not address the root cause of the issue, which is delayed funds availability leading to multiple fees from the same incident. Limiting refunds to one per year does not resolve situations where multiple fees are triggered by a single bank action or delay. I am requesting a full refund of the remaining overdraft fees, as they were caused by Wells Fargos delayed posting of funds rather than actual insufficient funds at the time I initiated the transfer. Additionally, I request a clear explanation of why this transfer was delayed compared to prior transactions and what steps Wells Fargo will take to prevent this from happening again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My account was hacked after I lost my debit card. In the first set of fraud there are multiple one for XXXX to pay send one for XXXX for XXXX XXXX and then in the newest one there was one for XXXX to XXXX I did not make any of these purchases and Wells Fargo did not give me any money back and they did not tell me why

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 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I formally requested debt validation from Hunter Warfield in writing via email for account number XXXX, originally assigned by XXXX XXXX XXXX XXXX. On XX/XX/year>, Hunter Warfield responded by email ( from XXXX, signed by XXXX XXXX, XXXX XXXX ) acknowledging my validation request. In their response, they stated : 'Per your previous communication the validation of debt has been requested ; once we verify we have the required documents it will be emailed to you in a separate email. ' In that same email, Hunter Warfield also stated that as of XX/XX/year>, the account had NOT been reported to any credit bureau. Despite their written acknowledgment of my debt validation request, Hunter Warfield never sent the promised validation documents. I never received any follow-up email, letter, or phone call from them regarding this matter. More than three months passed with no communication. Hunter Warfield then proceeded to report this account as a collection to the credit bureaus without ever providing the debt validation documents they had explicitly promised to send, and while my validation request remained unresolved. This appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires debt collectors to cease collection activity including credit reporting until the requested debt validation has been provided to the consumer. I have the original email exchange as evidence. I am requesting that the CFPB investigate this matter and that Hunter Warfield be required to remove this collection account from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Called credit card companies to advise of hardship so my payments can be lowered and interest wont build or be added and to ask for a settlement but no one wants to help so Im being reported as not paying and its hurting my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I am disputing a rental debt being reported by Transworld Systems Inc. on behalf of XXXX XXXX XXXX XXXX in XXXX, Arizona for approximately {$470.00}. I have sent three written requests to Transworld Systems Inc. requesting validation of this debt. In response, they only provided a lease agreement and a general ledger. The ledger lists charges as standard cleaning and standard carpet clean, which are routine cleaning charges and not damages beyond normal wear and tear. However, I was told the balance was due to carpet damage. No documentation has been provided to show any actual damage, such as photos, inspection reports, or repair invoices. Additionally, the ledger contains an incorrect address that does not match my actual unit, raising concerns about the accuracy of this account. I also never received my security deposit back, and no documentation has been provided showing how the deposit was applied or itemized as required under Arizona law. Despite these discrepancies, lack of proof, and inaccurate information, this account continues to be reported as verified to the credit bureaus. I am requesting full validation of this debt, including proof of damages beyond normal wear and tear, a complete itemized statement, and documentation showing how my security deposit was applied. If this can not be provided, I request immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, an unauthorized payment was made from my Chime checking account without my knowledge or permission. I did not authorize this transaction. I contacted Chime to report the unauthorized payment and request a refund. Chime refused to return my funds. Under the Electronic Fund Transfer Act, I am entitled to a provisional credit and a proper investigation of unauthorized transactions. Chime has failed to honor this obligation. I am requesting that my money be returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am reporting an unauthorized credit card transaction of {$790.00} that occurred on XX/XX/year> through XXXX to XXXX XXXX. The transaction has already posted to my credit card account. The purchase was shipped to an unknown individual in Georgia, which clearly indicates fraudulent activity. I did not authorize this transaction and I do not know the recipient. I reported this transaction to my bank, but they closed the fraud claim stating that the charge did not post to my account. This is incorrect, as the charge is clearly visible and the funds have been taken. I am requesting that the bank reopen the investigation and issue a refund for this unauthorized transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Transaction Details : Merchant : XXXX XXXX XXXX ( XXXX ) Order Date : XX/XX/year> Transaction Amount : {$120.00} Payment Method : Cash App Card Written Agreement ( XX/XX/XXXX ) : After the initial shipment failed to arrive, the merchant XXXX XXXX XXXX XXXX ) acknowledged the error via email on XX/XX/year>, and explicitly promised to send a replacement. I acted in good faith by waiting for this replacement to arrive. Breach of Contract : The merchant failed to provide the replacement or a tracking number and has since ceased all communication. XXXX XXXX ( XX/XX/XXXX ) : I attempted a final contact with the merchant on XX/XX/XXXX. Their official support email ( XXXX ) now returns a " Delivery Incomplete '' bounce-back error, proving they have abandoned their customer service obligations. Formal Reports : I have filed a formal FTC Fraud Report ( Report XXXX XXXXXXXX ) and a XXXX Buyer Complaint regarding this merchants fraudulent business practices. The Issue with Cash App ( Block, Inc. ) : I initiated a formal dispute and a final appeal with Cash App. I provided them with : The written promise from the merchant ( XX/XX/XXXX ). The FTC report number. Screenshots showing the merchants email is bouncing. Reason for Complaint : Cash App denied my appeal, stating it was outside their XXXX window. However, the merchant created a new expected delivery date with their written promise on XX/XX/XXXX. Under consumer protection standards for " Merchandise Not Received, '' my dispute is timely. Cash App failed to conduct a reasonable investigation by ignoring the merchant 's admission of fault and the subsequent abandonment of their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I initiated a transfer from my XXXX by Goldman Sachs account to my personal account at XXXX XXXX after my XXXX XXXX XXXX account was officially closed ( opened in XX/XX/XXXX and closed in XX/XX/XXXX ). Since initiating the transfer, the transaction has been repeatedly reversed without any valid explanation. I have completed all requested identity verification procedures multiple times. On XX/XX/XXXX a conference call was conducted with a representative from XXXX XXXX XXXX, during which it was confirmed that my account is closed. This confirmation was clearly communicated to XXXX. Despite this, the transfer continues to be reversed. Each time I contact customer support, I am asked to provide the same information again, which has already been verified. As of now : - My transfer has not been completed ; - My funds remain unavailable to me ; - I have not received any clear written explanation for these repeated reversals. This situation is preventing me from accessing my own funds and has caused significant inconvenience. I am requesting immediate processing of my transfer, a written explanation for the repeated reversals, and a clear timeline for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
A wells Fargo imposter called me from their phone number and was texting me codes not to provide to time. They acted as they were stopping a XXXX transaction and was instructing me to freeze my account. I was acting sending the {$900.00}. I called my bank to report immediately and to stop transaction but they said they could not. My bank laughed at me.

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