vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I tried to log on to my checking account with BMO ( XXXX ) today ( XX/XX/year> ) which I do several times per week, but was unable to. I have had this account for many years and know my password, so after trying repeatedly, I called them. I was told my account was suspended due to suspected fraud. I was very upset on hearing this and asked why I wasn't informed. They said they mailed me a letter ( which I hadn't received ). I asked for more information and was told they couldn't provide it, that I had to wait for the fraud department to call me. They refused to tell me anything else and hung up. I was so upset, I called back to try and get any kind of info I could. The next representative connected me to the fraud department ( the first representative refused to do so ). The fraud department wasn't at all helpful either unfortunately. They did tell me that the suspected fraud was on my end, not from an outside source. This was even more upsetting because I would never commit fraud! My checking account is very simple, I am a retired school teacher, I get a small pension and a small pension and social security from my late husband direct deposited and I pay my bills, so where could there be fraud? They seem to be accusing me of something but giving me no information or a chance to defend myself. Also, all of my money is in my checking account ( I don't have a savings account other than a 403 ( b ) ) and I have bills scheduled to be paid, so what should I do? I asked when this would be resolved, thinking maybe next week, and they said XXXX to 90 days! I can't go without income or without being able to pay my bills for a month, let alone up to 3 months! Please help me figure out what is going on, this is beyond stressful. The only positive is that I know I have never done anything improper with my checking account, but this is still going to have a very negative effect on me financially if their " investigation '' drags on. Thank you for your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX : XXXX XX/XX/year> - XXXXXXXX XXXX Name : TEAMS audio Length : XXXX seconds XXXX said, " This is _____ from Chase. You have qualified for a rate reduction on your Chase Credit Card. Can you hear me? '' I said, " yes. '' Immediately, he said I will connect you with our _____ department. I hung up. Am I in danger of fraud with my chase credit/debit cards?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because inaccurate and inconsistent information continues to be reported on my credit file regarding a XXXX account. I previously disputed this account and requested a reasonable investigation ; however, the information remains on my credit report without sufficient explanation of how it was verified. Upon reviewing my credit reports, I found multiple inconsistencies in the reporting of this account. The Date Opened is reported differently across the credit bureaus, and the High Credit amount is not reported consistently. Additionally, the account continues to reflect a XXXX late payment, yet I have not been provided with any documentation showing how this information was verified or validated during the investigation. Under the Fair Credit Reporting Act, consumer reporting agencies and furnishers are required to report information with maximum possible accuracy and conduct a reasonable investigation when a consumer disputes information. I have requested verification of the reported payment history, dates, and account details, but have not received sufficient evidence supporting the accuracy of the information being reported. I am requesting that the company provide the documentation used to verify this account and correct or remove any information that can not be fully substantiated. If the information can not be verified as accurate and complete, I request that it be deleted from my credit file I been waiting for too long I need a respond in 15 days

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 2026-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc.
State: FL

Complaint narrative:
Against my better judgement, I took out a payday loan/cash advance from Brigit. I ran into an emergency situation the week the loan was due and wasn't able to pay it back. I disconnected my banking info. My intention was to pay it back manually at a later time. I unsubscribed from the paid plan I was under, reached out to Brigit several times requesting the account be closed. Without my knowledge they took {$17.00} out of my account putting it in the negative. I told them they do not have my permission to take out any funds for any reason. I've reached out via email several times with no reply and through the chat several times. The chat will not connect me to a person. This is the only advance company I've encountered that will actually put a consumer in financial hardship. My account being in the negative could've resulted in bank fees I can't afford right now. They took money that I was counting on using for groceries. I will never be in this position with this company again. I would like someone to do something to stop them from withdrawing funds from my account without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am the victim of identity theft and theft of my personal property. My bag, wallet, identification, mobile phone, debit card, and other personal items were stolen. Following the theft, unauthorized ATM withdrawals were made from my accounts, and individuals also used information obtained from my phone to contact my family members and request money through XXXX while impersonating me. I immediately reported the theft and unauthorized activity to Bank of America and fully cooperated with the investigation. Instead of receiving meaningful assistance, my checking and savings accounts have been restricted, and I have been unable to access my own funds. I have multiple fraud claims currently under investigation, but I have not been provided with provisional credit or any reasonable accommodation despite my severe financial hardship. I am a XXXX parent of a XXXX XXXX with special needs. Because my accounts are restricted and I can not access my money, I am struggling to provide basic necessities, including food and daily living expenses for my son. I have repeatedly contacted Bank of America seeking assistance and emergency consideration due to hardship, but representatives have been unable or unwilling to verify me, and I have been unable to obtain meaningful information regarding my claims. I am requesting that Bank of America immediately review my fraud claims, provide a clear explanation of the account restrictions, restore access to my legitimate funds where appropriate, and review my request for provisional credit while the investigation remains pending. I also request a detailed written explanation of all actions taken on my accounts and the status of each fraud claim. I am the victim of a crime and should not be left without access to basic financial resources while these matters are being investigated. I reported soon as I noticed no alerts were sent by email stopping this person from completely taking over my account

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 2026-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MA

Complaint narrative:
I requested a consolidation as well enrollment into the idr plan due to the end of the save plan. I review the payments and see that even after the 10 year plan they plan to charge me well over XXXX. Why would pslf even be an option if they plan to have me basically pay the entire loan in full?? Tell me how this makes any sense. With monthly payments being upwards to XXXX $ how on earth do you expect me to believe this system is fair. I have already gained about 36 payments towards pslf for my XXXX loans now after consolidating my XXXX and XXXX loan this service providers want to basically bill me all interest and principal balance with in a new idr 10 year plan. It's appalling

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
They restricted my credit card after making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because inaccurate and inconsistent information continues to be reported on my credit file regarding a XXXX account. I previously disputed this account and requested a reasonable investigation ; however, the information remains on my credit report without sufficient explanation of how it was verified. Upon reviewing my credit reports, I found multiple inconsistencies in the reporting of this account. The Date Opened is reported differently across the credit bureaus, and the High Credit amount is not reported consistently. Additionally, the account continues to reflect a 60-day late payment, yet I have not been provided with any documentation showing how this information was verified or validated during the investigation. Under the Fair Credit Reporting Act, consumer reporting agencies and furnishers are required to report information with maximum possible accuracy and conduct a reasonable investigation when a consumer disputes information. I have requested verification of the reported payment history, dates, and account details, but have not received sufficient evidence supporting the accuracy of the information being reported. I am requesting that the company provide the documentation used to verify this account and correct or remove any information that can not be fully substantiated. If the information can not be verified as accurate and complete, I request that it be deleted from my credit file. I been waiting for too long now I want a respond in 15 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because inaccurate and inconsistent information continues to be reported on my credit file regarding a XXXX account. I previously disputed this account and requested a reasonable investigation ; however, the information remains on my credit report without sufficient explanation of how it was verified. Upon reviewing my credit reports, I found multiple inconsistencies in the reporting of this account. The Date Opened is reported differently across the credit bureaus, and the High Credit amount is not reported consistently. Additionally, the account continues to reflect a 60-day late payment, yet I have not been provided with any documentation showing how this information was verified or validated during the investigation. Under the Fair Credit Reporting Act, consumer reporting agencies and furnishers are required to report information with maximum possible accuracy and conduct a reasonable investigation when a consumer disputes information. I have requested verification of the reported payment history, dates, and account details, but have not received sufficient evidence supporting the accuracy of the information being reported. I am requesting that the company provide the documentation used to verify this account and correct or remove any information that can not be fully substantiated. If the information can not be verified as accurate and complete, I request that it be deleted from my credit file. I been waiting for too long now I need a respond in 15 days

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 2026-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Good day, NelNet has opened a fraudulent account in my name and this is negatively affecting my credit report. They continuously keep closing my disputes with me as the owner of the student loan. From online research they appear to have been defrauding multiple people by opening accounts in their names. I have not applied for student loans in almost 20 years. This is absolutely not my account. Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am filing this complaint regarding a collection account reported by Midland Credit Management containing multiple inaccuracies that survived two dispute investigations. Account : Midland Credit Management - Account ending XXXX Account Type : Debt Buyer Original Creditor : XXXX Balance : {$2000.00} VIOLATION 1 - Original Creditor Hidden During Dispute Process : The original creditor XXXX only became visible after disputes were filed. During previous dispute investigations this account showed no original creditor information making proper verification impossible. This violates FCRA Section 1681g requirements for complete account disclosure. VIOLATION 2 - Improper Balance Re-aging : Status was updated XX/XX/XXXX but balance continues to be updated as recently as XX/XX/XXXX - over three years after the status date. Continuously updating the balance on a collection account constitutes improper re-aging in violation of FCRA Section 1681c. VIOLATION 3 - Fabricated Account Terms : This account lists 1 Month as account terms. This is nonsensical and fabricated data for a debt buyer collection account demonstrating a fundamental lack of data integrity. VIOLATION 4 - Missing Required Data Field : The Highest Balance field is blank. This is a required reporting field under FCRA accuracy standards. Missing required fields constitute incomplete reporting in violation of FCRA Section 1681e ( b ). VIOLATION 5 - Two Failed Investigations : Disputed XX/XX/XXXX to XX/XX/XXXX- returned unchanged. Disputed XX/XX/XXXX- returned unchanged. Despite two investigations these violations persist demonstrating inadequate reinvestigation under FCRA Section 1681i. Midland Credit Management as a debt buyer must be able to fully verify this debt including complete chain of title from XXXX. The pattern of failed investigations and ongoing reporting violations requires immediate deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Complaint Summary : In early XXXX, I applied for a XXXX XXXX XXXX credit card issued by Comenity Bank. The card was never delivered to my address. I did not activate the card, which Comenity Bank 's own records confirm. Without any written notice, Comenity Bank began assessing an annual fee and subsequent late fees on the unactivated, undelivered account. My first notification of any balance due came via repeated unsolicited phone calls around XX/XX/year> in excess of 10 per day with no clear identification of the caller or purpose in voicemails. When I answered, I was told I had an overdue balance and that I would be referred to collections unless I provided my banking information immediately over the phone. I disputed the late fees on the grounds that I had never received or activated the card. Comenity Bank 's representative confirmed in the call that the card had never been activated but refused to waive the late fees. I was also told they'd prefer to pay via a payment link and not over the phone, which they said is not an option. Under the threat of collection, I paid the annual fee and two months of late charges in full and requested that the account be closed. Comenity Bank confirmed the account was closed with a zero balance. Total fees assessed on a card never received, never activated, and now closed : {$180.00} I have a XXXX XXXX in the XXXX. I've never had a credit card company operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am disputing an alleged debt that the collector is reporting without providing legally required validation. I requested full validation under FDCPA 809 and FCRA 623, including the original signed contract, complete itemized accounting, proof of ownership/assignment, and chain of title. The collector has continued reporting and/or updating the account without providing validation. This is a willful violation of federal law. I am requesting CFPB intervention to require the collector to either provide full validation or delete the account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I posted my mother 's exercise equipment for sale on XXXX XXXX. On XX/XX/XXXX, I texted someone who commented on the post, claiming to be interested in buying it. On XX/XX/XXXX, they claimed they sent the payment via Zelle but the payment was on hold because I didn't have a business account. They sent me a fake email, pretending to be Zelle, telling me that the money was on hold but I had to send {$1000.00} to meet the maximum for a business account. I would then receive a refund totaling {$1300.00}. The buyer claimed they sent an additional {$1000.00} and that once I sent {$1000.00}, I would receive {$1300.00}. I sent {$1000.00} as instructed. The buyer then said they sent an additonal {$500.00} for a certificate fee and I had to send another {$500.00} which would then be refunded. I received several emails, allegedly from Zelle, confirming these transactions. I spoke to someone claiming to be Zelle customer service who walked me through the process. I sent the additional {$500.00} and was told I would receive a {$1500.00} refund but it never came. I immediately called Zelle and XXXX XXXX XXXX to inform them of the fraud and filed a police report ( Case # XXXX ). I filed a complaint with IC3 while I awaited a decision. Zelle would not return the money or provide information pertaining the recipient. XXXX XXXX XXXX informed me that they could not provide a refund because I authorized the transaction. I explained that I was fraudulantly induced into sending the payment and am currently awaiting an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AK

Complaint narrative:
XXXX XXXX XXXX LVNV Funding LLC P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Request for Debt Validation and Investigation of Credit Reporting To Whom It May Concern : I am writing regarding the following accounts that are being reported under my name : Account Balance : {$1700.00} Account Balance : {$720.00} I am requesting validation of these alleged debts pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I dispute the accuracy and completeness of the information being reported. Please provide the following documentation for each account : The name and address of the original creditor. A complete payment history showing how the alleged balance was calculated. A copy of any contract, agreement, application, or other document bearing my signature that establishes my legal obligation for the debt. Documentation showing LVNV Funding 's legal ownership of the account, including the chain of assignment or sale from the original creditor to LVNV Funding. The date of first delinquency and the date the account was charged off. Evidence that LVNV Funding is authorized to collect on this account. Until such validation is provided, I request that all collection activity cease and that any information being reported to consumer reporting agencies be marked as disputed. If you are unable to provide the requested documentation, I demand that the account be deleted from all consumer reporting agencies to which it has been furnished, including : Experian Equifax TransUnion Please note that reporting information that can not be properly verified may constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request a written response and copies of the requested documentation within thirty ( 30 ) days of receipt of this letter. This letter is not a refusal to pay, nor is it an acknowledgment of liability. It is a request for validation and verification of the alleged debt. Sincerely,

Company response to consumer: Closed with non-monetary relief