vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to dispute an electric utility debt being improperly attributed to me by XXXX XXXX and XXXX XXXX ( XXXX  ) in the amount of approximately {$2700.00}. This debt is not mine, and XXXX  actions violate federal consumer protection and credit reporting laws. 
I previously rented a property that contained three separate electric meters. Under my lease agreement, I was contractually responsible for only one meter/account. The disputed charges do not correspond to the meter assigned to me. Despite being notified of this billing error, XXXX has failed to conduct any on-site inspection or investigation to verify meter responsibility. 
Additionally, I vacated the rental property in the summer of last year. XXXX is attempting to hold me liable for charges not incurred by me, which further confirms that the debt is inaccurate and does not belong to me. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information such as XXXX are required to report accurate information and to reasonably investigate disputes. Reporting or attempting to collect a debt that is not mine constitutes inaccurate reporting and a failure to meet these statutory obligations. 
Further, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, it is unlawful to misrepresent the character or legal status of a debt or to attempt to collect an amount not expressly authorized or legally owed. Any attempt to place this account into collections or report it to consumer reporting agencies would be improper and unlawful. 
I dispute this debt in its entirety and request that XXXX be required to : Cease all collection activity related to this account. 
Conduct a proper investigation, including verification of meter assignments and tenancy dates. 
Correct or remove any negative credit reporting associated with this erroneous debt. 
Provide written confirmation that I am not responsible for the disputed balance. 
A company may not lawfully place a collection account on a consumer for a debt that the consumer does not owe. Continued attempts to collect or report this debt without verification may constitute willful noncompliance with federal law. 
Thank you for your attention to this matter. I respectfully request the CFPBs assistance in ensuring XXXX complies with applicable consumer protection and credit reporting laws. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: VA

Complaint narrative:
I am reporting XXXX XXXX XXXX  XXXX XXXX for issuing a predatory auto loan at approximately 99 % APR, resulting in repayment of nearly {$37000.00} on a {$12000.00} loan. 

I believe this loan constitutes unfair, deceptive, and abusive lending, targeting financial vulnerability. The loan was structured to obscure true borrowing costs and places me at high risk of vehicle repossession. 

I am requesting regulatory review, loan modification, and principal/interest reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am disputing an unauthorized and fraudulent PayPal transaction in the amount of {$520.00} for a sectional sofa that I did not purchase. The seller provided fraudulent XXXX tracking information showing a package weighing XXXX lb delivered IN/AT MAILBOX, which is physically impossible for a sectional sofa. 

PayPal denied my claim and required me, the buyer, to provide a XXXX shipping manifest. XXXX manifests are only available to the shipper or requesting company, not the recipient. PayPal refused to escalate the case to a supervisor despite clear evidence of fraudulent tracking. 

I am requesting that PayPal conduct a proper investigation, recognize the fraudulent shipment evidence, and reverse the unauthorized transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: VA

Complaint narrative:
REC MGM SYS is falsely reporting on my credit. I have never had any accounts with them. Per my research REC MGM SYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: FIRST NATIONAL BANK OF OMAHA
State: LA

Complaint narrative:
Without my knowledge or authorization, XXXX has charged my First Bankcard a " monthly membership fee '' monthly for 5 years BEFORE my first & only XXXX purchase of XX/XX/year>. Charges after XX/XX/year> were refunded thanks to FTC, but then charged again by XXXX XXXX XX/XX/year>. XXXX only recently finding out about these monthly charges from BEFORE my only purchase of XX/XX/year>. First Bankcard can not explain how XXXX stole my billing card account before my only purchase. My First Bankcard WILL NOT reverse the charges of over 5 years unless I cancel my Card account. I can not cancel my card, as I will not get the same interest rate, limit I have worked for. Also, I will have to change my billing info with several legitimate business that I have customer relationships with. How do I do this online securely? Do not have a home computer. This issue was caused by First Bankcard 's lack of my customer account security. First Bankcard should immediately reimburse ALL of these XXXX fraud charges to my card without having to cancel my card. Also, another requirement of FTC last year was to totally block ALL XXXX access to ANY of my info, including card number. They have not done so, despite FTC 's instructions. XXXX has charged me {$1200.00} in fraud membership charges over XXXX plus years, plus accrued interest on my card of {$570.00} for a total owed to me of {$1800.00}. NO resolution by XXXX. First Bankcard has to immediately refund these fraud charges to me including the interest owed from these charges. Without my having to cancel my card. This same XXXX fraud was addressed last year by Federal Government, XXXX fined {$2.00} XXXX.... highest fine ever in history for fraud or illegal corporate misbehavior .. XXXX continues this fraudulent misbehavior. FTC has proof of upper level executives ' creating this fraud, also making efforts to cover it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am trying to reinstate the first deed of trust. The mortgage is in my name and that of my late husband. SPS foreclosed on the mortgage in XX/XX/XXXX. 
I have tried to work with them and with the holder of the second deed of trust. 
At this point, I have filed a Request for Mortgage Assistance on XX/XX/XXXX which they have acknowledged. They still have not postponed the sale date of XX/XX/XXXX despite their knowledge of the protections of the California Homeowners Bill of Rights ( HBOR ) which allows for the receipt and acknowledgement of a Request for Mortgage Assistance up to five business days before the sale.

They have not acted on the receipt of the Request which has been sent to SPS on their mortgage portal on XX/XX/XXXX. I feel this is in violation of the intent and content of that law which is intended to help a homeowner save their house by having the mortgage company review the application and postpone the foreclosure sale until the application has been reviewed and a decision rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I opened an account with Chase on XX/XX/XXXX. On XX/XX/XXXX, the account was locked for " verification. '' I was instructed to wait for a debit card and told I had 10 business days to complete the process. On XX/XX/XXXX, despite the arrival of the card and my compliance with all instructions, Chase closed the account. Chase induced me to provide sensitive personal information under the promise of banking services, then denied access to those services and failed to honor the 10-day cure period promised by its agents.

I have suffered the loss of time, the compromise of my personal data which Chase now retains without providing the agreed-upon service, and the frustration of being denied access to my own financial records.

I demand that Chase immediately : Restore the account to active status and allow the verification process to proceed as originally promised.

Provide a written guarantee that my data has not been shared with third-party marketing affiliates during this " lock '' period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year>, I paid {$1100.00} for a hotel stay booked through XXXX for the period of XX/XX/year> through XX/XX/year> using my credit card. During the stay, the hotel room door intermittently locked and unlocked on its own, creating a security risk, and the sink repeatedly failed to drain, causing sanitation concerns. 

I reported these issues to the hotel front desk during the stay. Because the stay occurred during a major holiday period, there were no alternative rooms available and no nearby hotels with availability, so I was unable to relocate. The hotel did not provide a meaningful remedy. 

On XX/XX/year>, I filed a chargeback with my credit card issuer for services not as described and unsafe accommodations. Although the total charge was {$1100.00}, I only disputed {$800.00} in good faith because I did remain in the room. The dispute was denied. 

I reopened the dispute on XX/XX/year> and explicitly raised the safety and habitability issues. The reopened dispute was also denied in full, without addressing the security and sanitation risks or requiring the merchant to demonstrate that the accommodations met reasonable standards. 

I believe my credit card issuer failed to properly investigate a safety-related dispute and did not reasonably protect me as a consumer, particularly given that I requested only a partial refund in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Just found out this week that monthly fees were charged by Chase on my personal checking for 5 months but have not received any notification in any form like text, phone call, email or mail. Chase has all my most updated contact information, but I was not informed. Chase also increased this fee from {$12.00} to {$15.00} per month but I have not received any notification neither. 

I called Chase on XX/XX/XXXX to request refund of total {$72.00} for 5 months but they only refund me {$15.00}, I then escalated and got the complaint # XXXX, A representative told me I should receive a call within 2 - 3 business days, but I did not get a call so I called Chase again on XX/XX/XXXX at XXXX XXXX  after 3 business days, a Rep. transferred me to the escalation dept. as he did not have the status update for me, the call was disconnected while I was waiting on the call. 

Date Description Type Amount XX/XX/XXXX FEE REVERSAL Refund {$15.00} XXXX XXXX XXXX MONTHLY SERVICE FEE Fee {$15.00} XXXX XXXX XXXX  MONTHLY SERVICE FEE Fee {$15.00} XXXX XXXX XXXX MONTHLY SERVICE FEE Fee {$15.00} XXXX XXXX XXXX  MONTHLY SERVICE FEE Fee {$15.00} XXXX XXXX XXXX  MONTHLY SERVICE FEE Fee {$12.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
My account was restriced, both my checking and savings account. SoFi, hes not being specific as to why they are closing both of my accounts. They just said it was an internal decision, but its affecting my life my bills I cant pay my bills. On XX/XX/year> both my checks, and my savings account were restrictedby the security team at SoFi. They are holding close to {$3000.00}. They said that they are waiting for my account to close and then that theyll send me a check. They dont wan na give me any other type of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: TrueAccord Corp.
State: TX

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.

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.

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 2026-01-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This account can not be verified as belonging to me under any consumer standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: KY

Complaint narrative:
I disputed the full balance of {$10000.00} in XXXXXXXX XXXX. Comenity Bank contacted me by phone regarding the XXXX account and confirmed they received my dispute and were waiting on a response from the merchant. I was told Comenity would follow up with me once a response was received. 

As of today, I have not received any follow-up, written response, or investigation results. Despite the dispute remaining unresolved, the balance has been reported. This account is currently under active dispute and was not properly investigated, and therefore should not be reported as late or with an outstanding balance. 

The furnisher failed to complete a reasonable investigation and continued reporting during an unresolved dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
A collection account from National Recovery Agency ( original creditor : XXXX XXXX XXXX XXXX ) appeared on my credit report in XX/XX/XXXX without any prior notice or billing. The amount reported is {$1500.00}. I have no knowledge of this debt and dispute that it belongs to me. 

I disputed this account with XXXX  in XX/XX/XXXX, stating that the debt is not mine and that the address associated with the account is incorrect. After reinvestigation, XXXX  marked the account as updated, not deleted. Neither XXXX  nor the collector provided a signed contract, proof of authorization, or documentation showing the debt is associated with my SSN, date of birth, or correct address. 

The collector continues to report this account despite failing to validate ownership of the debt. This has caused significant harm to my credit profile. I believe this reflects a failure to reasonably investigate and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This complaint is being submitted in support of and consistent with a notarized Affidavit of Truth prepared by me. The affidavit documents the same facts described above, corrects the record, and is available upon request to support this complaint. 
__________________________________________________________________ On XX/XX/year> at approximately XXXXXXXX XXXX, I used my debit card to pay {$75.00} for a hotel room booked through a third-party booking platform. 

I arrived late at night, and the check-in process took over 30 minutes due to front desk issues. Because of the late hour and exhaustion, I entered the room. After check-in, multiple problems were discovered, some immediately and others overnight, including a hole in the wall, dirty bathroom and walls, a non-functioning refrigerator, hazards near the bed, and an air-conditioning unit that leaked condensation overnight, soaking the carpet and leaving my shoes wet by morning. The room was materially defective and not as advertised. 

I documented these conditions with photographs and promptly disputed the debit card transaction with Navy Federal Credit Union, explaining that the services were defective and not delivered as agreed. Navy Federal requested additional information, which I submitted through their customer portal. Due to file-size limits, I followed an alternative submission method recommended by a Navy Federal customer service agent to provide all photographs and documentation.

Despite this, Navy Federal later denied the claim stating that the information was not received and asserting that the charge was valid because I stayed until checkout. This changed the nature of my complaint, treating it as acceptance of services rather than addressing whether defective services were provided. 

When I attempted to review the dispute history and correspondence in Navy Federals customer portal, prior messages and uploaded materials were no longer accessible, including items previously submitted in response to their request for information.

I initially contacted the NCUA, which advised escalation to the CFPB due to Navy Federals size. I am now filing this complaint because Navy Federal failed to properly investigate the debit card error, ignored evidence, shifted the burden back to the merchant, and closed the dispute without addressing the defective services or the missing records.

I am seeking review of Navy Federal Credit Unions dispute handling, record retention, and compliance with Regulation E ( 12 C.F.R. 1005.11 ), as well as restitution of the disputed funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I have emailed customer support and talked with the live chat about the " corporate advance fee '' placed on my account. I asked what it was and did not get a reply through email. On live chat they said it was for a loan modification and it was in my document tab to look at. It was not. Through my own research it looks like it is a inspection fee cause my payment to behind. It is currently over {$500.00} total in " corporate advance fee charges on my account. Along with the late fees. It seems pretty excessive that they are " inspecting '' my house every month and charging me when I am obviously still making payments and I am catching my payment up. They still after months have not gave a strait answer or documentation on the fees, it seems like they are adding these fees to make me further behind and make it harder to get caught up so they can either keep charging these fees or to try to discourage me form paying so I give up and let them take my house.

Company response to consumer: Closed with explanation