vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I received emails and phone calls that my payment was not received. They informed me that they did not receive it until I told gave them the dates of payment. My concern is that they already charge high fees and now Fortiva wants to add late charges on top of it because of their negligence. After receiving additional notification after speaking to a representative about payment concerns I had to call back today and close the account because of fear they would continue to add charges after reading reviews.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint due to the continued reporting of multiple fraudulent accounts on my TransUnion credit file despite providing all required documentation. These accounts include those reported by XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( multiple accounts ), and XXXX XXXX XXXX XXXX. I did not open, authorize, or benefit from any of these accounts. I have no knowledge of them. Over the past several months, I have submitted multiple disputes along with a valid identity theft report, proof of identity, and proof of address. Despite this, TransUnion has refused to block or remove these accounts and continues to report them. To date, no documentation has been provided showing that I opened or authorized any of these accounts. No signed applications, contracts, or identity verification records have been produced. Instead, TransUnion has relied on assumptions such as prior payment activity, dispute history, or account timing. These assumptions do not constitute proof of ownership and do not establish that I am legally responsible for these accounts. Additionally, these accounts are associated with personal information that does not belong to me, including addresses that I have never lived at. These accounts date back as early as XXXX and continue to be reported and updated as recently as XXXX, despite my repeated disputes and submission of identity theft documentation. This is not an initial dispute. This is a failure to properly handle identity theft and ensure accurate reporting. TransUnion has failed to : - Properly block identity theft-related information after receiving required documentation- Conduct a reasonable investigation - Ensure maximum possible accuracy of the information being reported The continued reporting of these accounts without proper verification is inaccurate and harmful. I am requesting the immediate deletion and blocking of all fraudulent accounts associated with my credit file. If any account is believed to be valid, I am requesting documented proof that I am legally responsible for it, including signed agreements or application records. If such documentation can not be provided, these accounts must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year> I received a message from Bank of America alerting me of a suspicious purchase on my credit card. When I logged in my banking app I saw numerous transactions that were not done by me or my wife ( authorized user of the card ) and so I flagged them all as transactions that I rejected. When I came back home that day, I sat down on my computer and realized there were many more charges than the ones the app had given me a preview of, I went ahead and called the fraud department so they could take care of them. The transactions went all the way back to XX/XX/XXXX and I had not received any type of notification from the bank flagging them as suspicious.They included purchases at XXXX where I don't even have a membership! The bank has refused XXXX now to credit me claiming " chip was present '' and " merchant provided documentation confirming I received the merchandise or service ''. I have been at this since XXXX and I need your help. This is around XXXX that make a significant dent in my family finances. Moreover, I am furious that the bank did not flag the transactions in XXXX as suspicious and only after a whole month of my card being used to " go to town '' and purchase things in places I never visit, then they identify them and only accept some as fraud and not others. I would really appreciate your help and guidance. 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 monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I am requesting for Full Discharge of my Student Loans due to Nelnets Misleading and Unlawful Practices. I am writing to formally request the discharge of all student loans held by Nelnet due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. Nelnet misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to balloon due to capitalized interest. This manipulation has led to years of financial strain and has profoundly affected my ability to meet my financial obligations. In addition, Nelnet has a history of misreporting my payment status to credit agencies, severely damaging my credit score. The misinformation provided by their representatives has delayed my pursuit of more favorable repayment options and contributed to an overwhelming amount of accrued debt, well beyond what I originally borrowed. These tactics are consistent with the widespread fraudulent behavior for which Nelnet has been sued by numerous states and the Consumer Financial Protection Bureau ( CFPB ). Nelnets conduct has caused me significant financial harm, XXXX XXXX and a longterm burden that could have been avoided with honest and fair guidance. As a borrower who relied on Nelnets advice and entrusted them to manage my student loans be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
My monthly payment for XXXX was sent. They were accidentally paid an extra {$950.00} for which they are giving me a hard time as far as returning the money. When I originally sent the request, I sent a screenshot from my bank showing the money posted to my account XX/XX/year>. They sent a response stating I needed to screenshot the payment ( which I already did ) along with a running balance of my account. They do not need to know how much money was in my account when the payments cleared. Also, its shows at movement mortgage that the extra {$950.00} is sitting in suspense on my account. I want my money ASAP and stop with the unnecessary foolery. What does my running balance have to do with them getting paid? NOTHING AT ALL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX after Mosaic filed for XXXX XXXX bankruptcy. On XX/XX/year>, I contacted both Mosaic and XXXX XXXX about a defective solar system. Solar Servicing, acting on behalf of XXXX XXXX, denied any obligation to repair, as my contractual agreement was with Mosaic. My warranty agreement is not being abided by. Under the FTC Holder Rule ( XXXX CFR XXXX ), I have the right to assert all defenses against the lender. Under XXXX XXXX, I can revoke acceptance of defective goods. And the Texas XXXX grants me a private right of action for deceptive practices. XXXX XXXX must either discharge the loan or repair the solar system. I expect a resolution within XXXX days of this filing. I request that the CFPB investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am writing XXXX dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable XXXX provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report XXXX update the account status XXXX " paid as agreed. '' SALLIE MAE - XXXX SALLIE MAE - XXXX SALLIE MAE - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
Correspondence was sent and XXXX XXXX replied and continue XXXX email me about alleged debt. I have attached all correspondence including intent XXXX sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/year> I was contacted by Capital One Bank that someone had attempted XXXX open up a line of credit in my name in Virginia. They were able XXXX close that. On that same day I contacted all XXXX credit bureaus and had my credit XXXX and put a fraud alert on my accounts. On XX/XX/year> I found out that someone had opened a savings account in my name at Capital One Bank. They indicated that this was done in Maryland. I asked the fraud protection XXXX how that could have occurred with my credit XXXX and she said it should not have happened and would not provide me with any further information. I checked today confirm that my credit is still XXXX so I would like XXXX know why Capital One allowed someone XXXX open up an account in my name. I have no accounts with Capital One Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I am filing a complaint against XXXX Bank after Mosaic filed for Chapter XXXX bankruptcy. On XXXX/26, I contacted both Mosaic and Solar Servicing about a defective solar system. Solar Servicing, acting on behalf of XXXX Bank, denied any obligation to repair, as my contractual agreement was with Mosaic. My warranty agreement is not being abided by. Under the FTC Holder Rule ( 16 CFR 433 ), I have the right to assert all defenses against the lender. Under UCC 2-608, I can revoke acceptance of defective goods. And the Texas XXXX grants me a private right of action for deceptive practices. My resolution is that XXXX Bank must either discharge the loan or repair the solar system. I expect a resolution within 30 days of this filing. I request that the CFPB investigate and enforce a fair remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Additional Context I further note that Bank of America , N.A . has also initiated court action concerning this same alleged account balance in XXXX XXXX, Tennessee, styled Bank of America N.A. v. XXXX XXXX XXXX, XXXX XXXX. XXXX. That pending collection action makes the accuracy and internal consistency of the furnished tradeline even more significant. Bank of America is attempting to enforce the alleged obligation through litigation while simultaneously furnishing account information that appears materially misleading, internally inconsistent, and not reasonably reconcilable on its face. This dispute is not a concession of liability, validity, ownership, amount, or enforceability of the alleged debt. To the contrary, the existence of active collection litigation makes it essential that Bank of America conduct a reasonable investigation, produce a full account-level reconciliation, and cease furnishing any information that can not be verified as accurate, complete, and non-misleading. Bank of America , N.A . has also filed a collection action concerning this same alleged account balance in XXXX XXXX, Tennessee, XXXX XXXX. XXXX. The existence of active litigation makes the continued furnishing of materially misleading or internally inconsistent account information especially serious. This dispute does not admit liability or the validity of the alleged debt ; it demands that Bank of America reconcile, correct, or delete reporting that can not be verified as accurate and non-misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
In XXXX and XXXX 2026, multiple unauthorized transactions totaling approximately {$1300.00} were made using my Chime debit card and appear as Cash App * XXXX XXXX ADD. I did not authorize these transactions or link my debit card to this XXXX XXXX account. I reported the transactions to Chime and filed disputes. Chime approved Claim ID XXXX and credited {$500.00} for transactions from the same merchant and time period. However, the remaining transactions under Claim ID XXXX were denied, despite being identical in merchant, type, and timeframe. I requested documentation showing how my debit card was linked to the XXXX XXXX account and what evidence supports the denial. This information has not been provided. XXXX XXXX also indicated these transactions did not originate from my account, suggesting my debit card was used without authorization. I am requesting a consistent review and reimbursement of the remaining unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing XXXX dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNTS! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable XXXX provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report XXXX update the account status XXXX " paid as agreed. '' CAP ONE AUTO - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a small business owner operating a XXXX retail store in New Jersey. I use SumUp as my payment processor. On XX/XX/year>, I processed a legitimate in-person transaction for {$2200.00}. The customer was physically present, the card was inserted and approved, and the merchandise ( a bridal gown ) was delivered the same day. SumUp is currently holding {$2200.00} of my funds for up to XXXX months. They have not provided a clear contractual clause or specific regulatory basis for this hold. When I requested clarification about the government regulation they referenced, they stated they can not share that information. There is no confirmed fraud determination. The customer initially acknowledged that the funds were withdrawn from her bank account. Despite this, SumUp continues to restrict access to my legitimately earned business funds. This hold is causing financial hardship to my small business. I am requesting : 1. A written explanation citing the specific contractual and legal basis for holding my funds. 2. Immediate review of my account. 3. Release of the {$2200.00} if no confirmed fraud or finalized chargeback exists. I am willing to cooperate and provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
FORMAL COMPLAINT : Unjustified XXXX Restriction and Violation of FCRA Reinvestigation Requirements by Bank of America Complaint Details : I am filing this formal complaint against Bank of America regarding a permanent restriction on my XXXX service ( Identifier : XXXX ) that has persisted since XX/XX/year>. I have already exhausted all dispute avenues with XXXX XXXX XXXX ( XXXX ). Following my formal dispute with them, XXXX issued an official response stating they can not take further action and that the responsibility for reviewing and lifting this restriction has been transferred specifically to Bank of America. Despite this referral and the fact that I have provided the bank with my Official Consumer Report from XXXX XXXX XXXX ( Reference XXXX XXXXXXXX ) which shows XXXX fraud reports and a 100 % clean XXXXBank of America refuses to restore my services. This internal " fraud '' flag is inaccurate and is causing a " domino effect, '' preventing me from using XXXX in my other financial institutions. Furthermore, the bank has already debited the funds related to the original inquiry from my account ( Account XXXX : XXXX ). Therefore, there is no financial loss or ongoing risk to the institution that justifies this permanent exclusion. Under the Fair Credit Reporting Act ( FCRA ), the bank is required to ensure the accuracy of the data used to restrict services. By ignoring my clean XXXX report, the bank is in violation of these consumer protections. Desired Resolution : XXXX. Immediate restoration of XXXX services for my account ending in XXXX and the identifier XXXX. XXXX. Removal of all internal risk flags to allow XXXX usage across my other banking relationships. XXXX. A formal explanation from Bank of America regarding their refusal to reconcile their internal flags with the clean official XXXX report. * Full Name : XXXX XXXX XXXX XXXX * Account Number : XXXX Bank of America * Phone Number : XXXX * Affected XXXX Identifier : 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 2026-04-19 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:
I wanted to purchase XXXX airline tickets. I heard my credit card company, Chase, is providing 5 % reward points if I purchase them through their Chase XXXX. I called around XXXX XXXX ET to inquire the initial information, so I can be sure to get the 5 % points. I called around XX/XX/XXXX around XXXX XXXX to do the purchase {$2500.00} ; I still double checked about the 5 % reward points before finalizing it. Recently I started noticing that I only got the regular 1 % reward points rather than the 5 % points. I finally called Chase around XX/XX/XXXX XXXX PT to ask for correction. I have XXXX Chase XXXX XXXX, XXXX # XXXX and Unlimited # XXXX. Chase Customer Service told me that I was charged on the wrong card # XXXX, it should be the other # XXXX. I told them that I was given the wrong information, I had checked with Chase to ensure the correct way to get the 5 % reward points. I was finally transferred to Supervisor. She told me that it so happened that Chase has the 5 % travel promotion in this XXXX quarter, so she suggested that the easiest way is to have Chase XXXX cancel the XX/XX/XXXX purchase and re-charge me in this quarter, then I can still get the 5 % reward points, but she can not guarantee that Chase XXXX is willing to so it. She said that I have to go through Chase XXXX, because they are the vendor. I need to go through the vendor to fix this. This Customer Service Supervisor transferred me to Chase XXXX. I eventually spoke to the Chase XXXX Supervisor. She explained to me that they can not cancel the payment, once they do that, I will get a big cancellation fee for the XXXX airline tickets. I explained that I am not cancelling the ticket purchase but transfer the payment to this quarter, but they can not do it. She listened to the recorded conversations. She told me that I did inquire about the 5 % reward points, but the Rep did not directly told me which card to use, the Rep transferred me to Chase Customer Service to verify the information before I came back to finalize the purchase. This Supervisor wanted to transfer me back to Chase Customer Service, only they can do the cancellation and re-charge. I was on the hold for a long time. The whole process last almost XXXX hours. I have tried to resolve this issue with 2 supervisors, but I was transferred around between 2 departments without any resolution. I need CFPB 's help to have Chase do the correction to credit me back the 5 % reward points. Thank you very much. XXXX XXXX

Company response to consumer: Closed with non-monetary relief