vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home 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: NV

Complaint narrative:
1. The Missing Money : On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( XXXX ) paid {$23000.00} to my mortgage to cover late XXXX payments. My records show this money was received and applied to my account ( see attached transaction history ). When my loan moved from XXXX XXXX to Rocket Mortgage during their merger, this payment was taken off. The Proof : My payoff statement from XXXX showed my " XXXX XXXX '' balance was down to only {$6500.00}. The Problem : Now, my XX/XX/XXXX statement shows that same balance is back up to {$29000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had someone send {$180.00} in cryptocurrency to a cashapp account I had years ago. XXXX XXXX. That is my username for coinbase as well, and that's where I thought it was going to be sent. So I gave my username XXXX for coinbase, but he sent it to my cashapp username XXXX. I never got access to my old account and they kept that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX Dispute Inaccurate Reporting of Sold Account XXXX Date : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information currently being reported on my credit file. The account in question is a Surge XXXX account previously serviced by Continental Finance Company. I have received written confirmation that this account was charged off and sold to XXXX XXXX XXXX XXXX this transfer of ownership, XXXX XXXX continues to report this account on my credit report with an ongoing charge-off status and monthly payment history updates. This reporting is inaccurate and misleading, as XXXX XXXX no longer owns or maintains this account as an asset. By continuing to report monthly activity, the tradeline creates the false impression that the account remains active under XXXX XXXX, which is not the case. This is a violation of my rights under the Fair Credit Reporting Act, which requires that all reported information be accurate and not misleading. section XXXX I am requesting that you conduct a reasonable investigation into this matter and take the following corrective actions : Verify whether XXXX XXXX retains any legal ownership or servicing rights to this account. If the account has indeed been sold, update the tradeline to reflect : No further monthly payment history reporting after the date of sale. delete the tradeline entirely from my credit file. Please provide me with written confirmation of the results of your investigation, including the method of verification used, within the 30-day timeframe required by the Fair Credit Reporting Act. Thank you for your prompt attention to this matter. Regards, XXXX XXXX

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 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: GA

Complaint narrative:
I am filing a renewed complaint regarding inaccurate reporting, improper accounting, and failure to conduct a reasonable investigation into my disputed auto loan account. My vehicle was declared a total loss. Insurance proceeds and GAP coverage were applied to the account. Despite this, CarMax Auto Finance claims that a remaining balance of {$9400.00} exists. However, they have failed to provide a complete and verifiable accounting supporting this figure. The transaction history provided by CarMax shows that for an extended period, the principal balance remained unchanged at approximately {$23000.00} despite ongoing payments, fees, and account activity. This strongly indicates that payments were not properly applied or that the account was not accurately maintained. Additionally, I previously contacted CarMax directly via email disputing this account and requesting documentation. Despite instructing me to contact them with any questions or concerns, they failed to respond to my email. This demonstrates a failure to properly investigate and address my dispute. In their response, CarMax provided only summary figures and failed to include : The original payoff balance at the time of total loss A full itemized accounting of how each payment was applied Documentation supporting how the remaining balance was calculated Verification of how insurance proceeds and GAP payments were applied Instead, CarMax states that the account was XXXX in bankruptcy, which does not resolve or validate inaccurate accounting. Bankruptcy discharge does not excuse or correct improper calculations or reporting. These issues raise serious concerns that : Payments were not correctly applied The balance was not properly recalculated over time The account may reflect a static or inaccurate balance CarMax failed to reasonably investigate my dispute CarMax failed to respond to direct consumer communication Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to conduct a reasonable investigation and ensure the accuracy of reported information. CarMaxs actions do not meet this standard. I am requesting : A complete, itemized accounting of the loan from origination through total loss Documentation showing how each payment was applied ( principal, interest, fees ) Proof of insurance proceeds application Proof of GAP claim submission, calculation, and payout Documentation supporting the alleged remaining balance Correction or deletion of any inaccurate reporting if the balance can not be substantiated If CarMax can not fully substantiate the balance, the account must be corrected to reflect a {$0.00} balance due to insurance and GAP satisfaction, and any misleading reporting must be removed. Failure to comply will result in further escalation for violations of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute an item listed on my credit report. The account in question has not been properly validated, and I am requesting its removal in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Account Information : Creditor Name : XXXX XXXX I previously requested validation of this debt, and to date, I have not received sufficient documentation to verify that this debt is accurate and belongs to me. As such, this account is being reported without proper validation and was sold to a third party who has not provided any documentation. Under federal law, if a debt can not be verified, it must be removed from my credit report. I am requesting that you conduct a reinvestigation of this account. If the creditor or collection agency can not provide adequate proof of the debt, I ask that you promptly delete this account from my credit file. Please provide me with written confirmation of your investigation results and notify me once the item has been removed. Thank you for your prompt attention to this matter.

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 2026-03-26 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: T.S. Holdings
State: CA

Complaint narrative:
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that this company IQ Data International ceases all reporting to the all of the credit bureaus negative lies and false statements of some debt in both my name and my sons name. This crazy company immediately should remove the fake collection accounts from my son and I reports. We dont owe that apartment anything that they brought up. This scam collection agency called me out of nowhere demanding my credit card numbers and money. I told them I didnt know what they were talking about and to send me a verification letter. They said no they wouldnt do that. They threatened me and my son. This whole thing is an attempt to discredit and steal. I sent them a certified letter anyway demanding proof. Please do right thing and remove iq data XXXX false debts from every credit bureau in my sons name and mine. They are violating so many rights. Im also contacting the California attorney general and the federal trade commission. They gave me an account number, before they hung up on me after screaming at me for 20 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX writing on behalf of a credit collections account that I have several different times this month alone made it clear I did not all and gave documentation to the credit bureau agency proving such they still less than 30 days. Came back with inaccurate information. I also attempted to contact the corporate office and they chose to do nothing but allow unprofessionalism and inaccuracy to continue and my credit report is displaying an account that I do not owe the information is false on my report, stating I when I do not. The credit bureau agency is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
COMENITYBANK/XXXX XXXX POTENTIALLY NEGATIVE MONTHS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Status Closed. {$160.00} written off Comments Purchased by another lender Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$300.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$400.00} XXXX XXXX XXXX Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: AL

Complaint narrative:
AARGON AGENCY INC is falsely reporting on my credit. I have never had any accounts with them. Per my research AARGON AGENCY INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: IL

Complaint narrative:
" I am a victim of financial forgery and consumer fraud by the originating dealership, XXXX XXXX XXXX XXXX XXXX ( XXXX, IL ). On XX/XX/XXXX, I signed a valid lease agreement for $ XXXX. Without my knowledge or consent, the dealership generated a second, forged contract dated XX/XX/XXXX, which inflated my payment to $ XXXX. When I confronted the dealership management about this forgery, they attempted to coerce me into signing a 'Waiver of Liability ' as a condition for correcting their 'error. ' I have a full audio recording of the dealerships employee who the manager sent out attempting to force this waiver on me in exchange for fixing the forged contract. And issuing a check. I refused to sign away my legal rights, and as a result, they have refused to rectify the fraudulent XX/XX/XXXX lease with Stellantis Financial Services ( SFS ). This fraud is causing me direct financial harm. I have a legitimate buy-bid from XXXX XXXX for {$40000.00}, but SFS is providing a 'poisoned " payoff quote based on the forged XX/XX/XXXX contract. Furthermore, they are attempting to charge a fraudulent {$2000.00} 'Dealer Buyout Fee ' to exit this forged agreement. SFS ( XXXX # XXXX ) has failed to resolve this despite my direct contact on XX/XX/XXXX. This is a documented criminal matter reported to the XXXX Police Department ( XXXX XXXX XXXX, XXXX XXXX, Event Report attached ). ''

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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-03-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 5 weeks ago, I submitted to American Express case number XXXX in order to resolve claim XXXX accordance to the warranty policy. I have followed up every week on via telephone for an update but American Express has been refusing to provide any updates and/or make any progress on the case. Every time I call, they claim that someone is going to call me about, but no one calls me. They did confirm that they have all the information they need but they refuse to make any progress. The business falsely claimed that I dont live at XXXX XXXX XXXX XXXX in XXXX , CA even though I have provided the business my mortgage statement to prove that I own the property and live there. The business also incorrectly claimed that there is a property manager and tenant without providing any names, contact information nor proof of those false allegations. Additionally, here are the response to the business ' letter : " You filed Purchase Protection claim # XXXX on XX/XX/year>. Correct. This matches all the documents submitted towards the claim. You claimed the item was lost in your home located in XXXX, CA Correct. I attached my mortgage for your review and convenience. We confirmed you were not living at the XXXX, CA home on the date of loss, XX/XX/year>. False. I attached my mortgage for your review and convenience to prove that I own the property and lived there at the time of the loss. " There is no record of any weekly calls made into our office regarding this claim. '' False. My phone has calls logs and there are notes created by the phone agents of each time that I called. I can provide this information upon request. The mortgage statement only confirms you have a loan with the mortgage company and does not prove the loss you reported to use under the Purchase Protection insurance product False. I was living at the location of loss and attached to this message is the mortgage to prove that I was at the location of loss. I attached it for your review and convenience. . " We have not requested any additional information from you. '' Correct. If you not need anything else, then what is the delay with processing the claim?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I had a XXXX title pawn which I paid over 350 months for 18 months. I got behind and they repo my vehicle after already collecting twice the loan amount from me. There was no warning. No notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XXXX Mortgage Issue Incorrect information / Misrepresentation of monthly payment and property taxes Escrow / Property taxes Pressure to commit financially Company Rocket Mortgage Prior to providing earnest money, I told the Rocket Mortgage loan officer that I did not want my total monthly payment to exceed {$2200.00}. I specifically asked what my mortgage payment would be including property taxes. The loan officer told me that the payment should not go over {$2200.00} and asked me to submit earnest money. Relying on that representation, I provided earnest money. After my rate was locked and I was financially committed, I was informed that the property taxes were higher than expected and that my monthly payment would exceed the amount previously represented. During a recorded telephone call after the rate lock, when I raised this issue, the loan officer did not acknowledge the earlier payment representation. Instead, he lectured me about how mortgages work, despite the fact that I had clearly stated my maximum payment and specifically asked about taxes before providing earnest money. I believe I was induced to provide earnest money based on a payment representation that was made without proper verification of property taxes. I relied on Rocket Mortgages expertise and representations regarding escrow and taxes, which later proved to be inaccurate. I am requesting that Rocket Mortgage preserve and provide copies of all recorded telephone calls, internal notes, worksheets, and payment or escrow calculations related to my loan, particularly calls occurring after my rate lock in which monthly payment and property taxes were discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is an update to my previously submitted CFPB complaint regarding unauthorized redemption of my Chase reward points on XX/XX/XXXX. Credit Card ending : XXXX. New information : 1. Chase denied the claim in a letter dated XX/XX/XXXX, stating that the gift card was sent via email and therefore, considered used. 2. We never received any confirmation email or gift card. 3. A Chase representative advised that we must contact XXXX to check if the email was intercepted. This is unreasonable, as consumers should not be required to investigate possible hacking of their email account to prove fraud. 4. Chase has not provided any investigation details, including IP address, device used, or delivery confirmation. We ask CFPB to ensure that Chase reviews this case thoroughly, as the original denial does not address the facts and places an undue burden on the consumer. Attachments : Chase denial letter dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: WA

Complaint narrative:
Bank of America denied my fraud claim stating that the transaction was authorized, even though I did not authorize it. The transaction in the amount of {$1200.00} was not approved by me. I did not knowingly make this purchase, nor did I give permission to anyone else to use my card. The bank claims that because the transaction was made from my device or card, it is considered authorized. However, device usage does not equal authorization. This could indicate unauthorized access, stored payment misuse, or fraud. Bank of America has not provided sufficient evidence proving that I authorized this transaction. I requested documentation such as IP logs, device data, and authorization method, but this has not been properly disclosed. I am requesting a full reinvestigation and proper application of consumer protection laws ( Regulation E / Z ). I believe the bank is wrongfully denying my claim and holding me liable for a transaction I did 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 monetary relief