vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I got a letter saying the company closed my XXXX credit card. I do not even know why. I never stopped paying them ; I always paid on time. It feels like retaliation due to the issues with another credit card. All the credit cards I had under them they closed them without an issue. The closed, lowes, XXXX, XXXX all of them closed. This has affected my credit score tremendously. This has caused stress and a backlash because I feel this is the way this company is responding to me after I complained about how they handle disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
" My XXXX qualifying payment count appears materially inaccurate and does not reflect my qualifying public-service employment history. I submitted a XXXX Reconsideration Request in XX/XX/year> and have not received a meaningful correction or explanation. I am requesting a complete manual review of my XXXX payment count and a written accounting of all months that were excluded. ''

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This is a follow-up complaint regarding [ Experian XXXX XXXX XXXX XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. Accounts Still Inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2026-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AK

Complaint narrative:
On XX/XX/year>, I was the victim of bait-and-switch and high-pressure sales by a street vendor XXXXXXXX XXXX phone XXXX in XXXX XXXX Hawaii. I was verbally quoted XXXX price for a product. The vendor used high-pressure tactics and I felt unsafe and trapped, and could not leave. I was not given any receipt, invoice, or written terms before, during, or after the transaction. The vendor processed a charge for {$1300.00} on my Capital One XXXX ending in XXXX which was significantly higher than quoted. I was not given a copy of any receipt or documentation, and have no way to contact the merchant except the phone number I was later given. I authorized the card via finger signature on their device, but I never saw or agreed to a {$1300.00} total. The product is still sealed and I am willing to return it. I called Capital One Fraud Department on XX/XX/year> when the charge was pending. The agent noted my report. On XX/XX/year>, after the charge posted, I called again. The Fraud agent was sympathetic but refused to file a chargeback, incorrectly stating I need a receipt and that leaving with product voids my rights. She instructed me to call the merchant myself despite my stating I felt unsafe, and then gave me Mastercards number. XXXX does not take disputes from cardholders. This denial violates XXXX Core Rule 13.3 Misrepresentation and Regulation E. Under these rules : 1. The merchants failure to provide a receipt is grounds for chargeback, not a reason to deny me. 2. I am not required to contact the merchant when I felt unsafe or when fraud occurred. 3. I am not required to have a receipt to dispute misrepresentation. The burden is on the merchant to provide proof I agreed to {$1300.00}, which they can not because none exists. I am requesting Capital One be ordered to : 1. File a chargeback under Visa Reason Code 13.3 immediately. 2. Issue provisional credit for {$1300.00} per Regulation E. 3. Investigate why their agents are misinstructing victims of fraud. I have call recordings from XX/XX/XXXX and XX/XX/XXXX on file with Capital One. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: Selene Holdings LLC
State: CT

Complaint narrative:
This complaint is to report a formal mortgage servicing abuse, bad-faith debt collection, misconduct, tactics of bullying and intimidation, systematic and predatory violations of the Real Estate Settlement Procedures Act ( RESPA ) Regulation X ( 12 CFR 1024.41 ) and the Truth in Lending Act ( TILA ) as well as Deceptive Material Misrepresentation ( UDAAP ) by Selene XXXX . Selene XXXX has engaged in systemic predatory practices during mortgage assistance application to drag the application process over a 10-month period and quietly initiate a foreclosure without mandatory notices. Selene XXXX has also engaged in consistent and continuous misconduct, bad-faith practices, and material misrepresentations. Please see the attached complaint document with what happened and a list of violations by Selene XXXX. Attached also includes exhibits with supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) for deceptive marketing and misleading promotional practices. I was invited by a friend to sign up for Cash App during their XX/XX/year> 'Mystery Bonus ' promotion. I followed all instructions provided on the promotional screen. However, Cash App is now refusing to pay out the promised referral bonus because I briefly had a XXXXbalance account years ago that has since been completely closed. The specific 'Terms & Conditions ' page provided directly inside the app for this promotion lists the eligibility requirements, and it does NOT state that past users are excluded, nor does it define 'customer ' strictly as a first-time user. Cash App is using external, hidden master terms to deny a clearly advertised promotion. I have attached screenshots of the exact terms presented to me. I am asking that Cash App honor their advertised promotion and credit the bonus to both myself and the person who referred me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
I have Private student loans with Mohela/XXXX . These now {$15000.00} worth of Private loans are still being collected on. I submitted an application explaining the fraud committed by XXXX XXXX XXXX and Mohela still denied my claim. If there was fraud at an Institute, then why am I still being liable for loans. The Federal loans were removed due to this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
During the year of XXXX, up until XX/XX/XXXX, I was charged a total of {$910.00} in overdraft fees and only got refunded {$200.00} upon request. During the year of XXXX, up until XX/XX/XXXX, I was charged a total of {$950.00} in overdraft fees, and only was refunded for {$100.00} dollars upon request. So in about 18 months Ive been charged {$1800.00} in overdraft fees and only got refunded {$300.00} dollars. I requested for a one-time exception to get all of the fees or at least most of the amount refunded by Chase Bank , since Ive been a customer since around XXXX, and got denied right away by the customer service representative I spoke to at the time, a couple months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America restricted my XXXX account back in XX/XX/year>, so I am unable to send or receive money with XXXX anymore. My phone number and email is blocked. I can not even make a new account or use a new number etc. I called XXXX and they said Bank of America can only unblock it - not 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 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: CA

Complaint narrative:
I have contacted Zip customer support multiple times regarding a refund that was issued by a merchant for an Installment loan with ZIP. The refund was received by ZIP on XX/XX/year>. It is beyond the 13days they are legally allowed to process the refund towards my installment loan. I am continually told this matter is " escalated '' with zero resolution, while open installments remain active on my account. The first time I contacted ZIP was on XX/XX/year>, I inquired about the refund status and was informed that the refund had been received from the merchant ( disbursed on XX/XX/year> by the merchant and received by ZIP XX/XX/year> ) and that I should allow until XX/XX/XXXX for processing. I complied with this timeline. Since then, I have made several follow-up calls. Each time, I have been told the issue is being escalated for a manual refund, but no action has been completed. Today, XX/XX/year> I received conflicting information from ZIP customer service reps, first being told no refund was received and that I must obtain proof from the merchant, and shortly afterward being told by another rep that the refund is visible and again pending escalation for manual processing. When asked if I could speak to someone in the escalation department or a supervisor I am told none are available. This inconsistency and lack of resolution is unacceptable. The merchant has already confirmed the refund was issued to ZIP on XX/XX/XXXX, and previous ZIP representatives have acknowledged receipt. I have attached a cancellation email from the merchant and have requested proof of disbursement from the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I am submitting this complaint regarding a vehicle loan that was financed through Credit Acceptance Corporation. I was involved in a motor vehicle accident that resulted in the loss of the vehicle. At the time of the accident, I did not have active automobile insurance coverage. After notifying Credit Acceptance Corporation of the accident, I was instructed to provide documentation, including a declaration page from my previous insurance carrier. I submitted the requested documentation as directed. I was then informed that the vehicle would be inspected and that a determination would be made regarding whether the XXXX coverage I had purchased would apply to the remaining loan balance. However, after providing the requested documentation, I was unable to obtain meaningful follow-up regarding the status of the inspection, the XXXX claim review, or any final determination. Despite multiple attempts to obtain information and assistance, I did not receive clear communication regarding the outcome of the review process or what additional steps, if any, were required. As a result, the account remained unresolved. The loan has now aged significantly and continues to negatively impact my credit report. My concern is that I fulfilled the documentation requests made by Credit Acceptance Corporation, but I never received a clear decision, explanation, or resolution regarding the XXXX coverage review or the remaining balance. I am requesting that Credit Acceptance Corporation provide a complete account history, documentation of any XXXX claim review that was conducted, the final determination regarding coverage, and an explanation of why the matter was not resolved after I submitted the requested documentation. I would also like the company to review whether the account is being reported accurately and fairly to the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
My Iphone was stolen while I was at a bar on XX/XX/year> in XXXX XXXX, California. After the theft, the suspect gained access to my phone and changed the login credentials for several of my financial accounts, including XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX The suspect used my personal information, including my Social Security number, to open multiple fraudulent financial accounts in my name. Specifically, XXXX fraudulent U.S. Bank accounts were opened using my name and Social Security number : XXXX checking accounts and XXXX savings accounts. I have contacted U.S. Bank on XXXX separate occasions regarding these fraudulent accounts and completed an identity theft affidavit as requested. Despite my efforts, I have not received a resolution or meaningful response. I was initially informed that the accounts would be closed ; however, I was later told that there was insufficient information to proceed, even though I provided both a police report and an Identity Theft Report documenting the fraud. All XXXX accounts are overdrawn and U.S Bank is threatening me that they will send me to collections. It has been over XXXX months since the incident and this needs to be handled right away. The suspects name was listed as XXXX XXXX. I have filed a police report with the XXXX XXXX Police Department and an identity theft report with the Federal Trade Commission ( FTC ), I did not authorize any of these accounts or transactions and was unaware of them until after the theft occurred.

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 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I reached out several times. The agent who was originally handling my debt mysteriously quit after I paid the debt and the company has no recollection of the account although they gave me a XXXX balance letter after I paid the debt in full. After the agent quit I started getting harassing calls that were very unprofessional and distasteful, stating that Im a liar and I never paid the debt and that I need to pay it. Even my bank was unable to understand what was going on. I never disputed it with my bank and XXXX never returned the money. Now they keep stating that XXXX XXXX has my debt and that company is saying that XXXX has my debt. It should be removed because I paid and have proof of payment. This case is very fraudulent and XXXX is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Net Pay Advance, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a deposit into my checking account for {$600.00} from a company called net pay advance. I did not apply for this loan nor did I reach out to anybody about a payday loan and I did NOT EVER sign any documents authorizing a loan with them. I had to reach out to my to get a DocuSign document from my bank for an unauthorized credit so the bank would send the ach back, and then I had to come out of pocket {$30.00} for a stop payment to keep them from depositing or withdrawing any further funds from my account. Since that time I have now received another email from this company saying that they tried to deposit the funds and its come back and I need to contact them, but I dont want to give them my phone number or any other further information. I replied to their email and told them to leave me alone and that I was reporting them to your organization as well as the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am disputing the reporting of the XXXX XXXX XXXX ( XXXX ) account appearing on my Equifax credit report. The creditor confirmed in writing on XX/XX/year>, that this account was charged off and closed and is no longer an active account. A copy of that written confirmation is attached. The current Equifax reporting does not appear to consistently reflect the closure information confirmed by the creditor. The account continues to display reporting activity after the account was reported closed and charged off. I request a reinvestigation to verify : The accounts correct closed date. The accounts current status and classification. Whether the continued reporting after closure is accurate and supported by furnisher records. The specific information provided by the furnisher to verify the reporting. If any portion of the reporting can not be verified as accurate and complete, I request that it be corrected or removed and that I receive written confirmation of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
I recently became aware of a payday loan account that is being reported in my name. However, I do not recall applying for, authorizing, receiving, or otherwise entering into this loan agreement. After discovering the account, I reviewed my records and was unable to locate any documentation showing that I applied for the loan, signed a loan agreement, received loan proceeds, or otherwise authorized the transaction. Because I do not recognize this account, I am concerned about the accuracy of the information being reported. I am requesting that the company provide documentation supporting the account, including the loan application, signed agreement, method of identity verification used, records showing any funds that were disbursed, and any records demonstrating that I authorized or received the loan. If the company can not provide documentation establishing that I applied for and received this loan, I request that the account be removed from my credit report and that any collection activity cease immediately. I am seeking clarification regarding the origin of this account and verification that the debt is valid and accurately attributed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX To Whom It May Concern : I am responding to your communication regarding the debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide : 1. The name and address of the original creditor. 2. The amount of the alleged debt, including any fees, interest, or charges. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that your company has the authority to collect this debt. Until you provide the requested validation, I request that collection activities cease. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief