vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding a serious and ongoing issue with my checking account at Chase Bank involving a system-generated or phantom hold that has caused significant financial harm. On or about XX/XX/year>, my account began showing a negative available balance of approximately - {$2800.00}, while my present balance remained {$0.00}. This confirms that no actual transaction posted to remove funds. The account indicates that a hold was placed for {$2800.00}, with an available on date of XX/XX/XXXX, XXXX invalid placeholder date that clearly reflects a system error, not a legitimate transaction. More than a month later, my transaction history shows AN ACCOUNT HOLD HAS BEEN REMOVED, yet my available balance remains negative and my funds are still restricted. This demonstrates that the hold was not properly released or corrected within Chases system. As a result : * My account has been placed into an artificial overdraft status * My deposits are being restricted or absorbed * I am unable to access my funds * I have been unable to make required credit card payments * My credit standing has been negatively impacted or is at risk * I have experienced ongoing financial hardship and distress I have contacted Chase multiple times, but representatives are unable to locate or resolve the issue, and I have been unable to reach effective support. This is not a valid transaction or overdraft. It is a persistent internal system failure that Chase has failed to correct. I request immediate investigation and resolution. Additional Information XXXX XXXX Bank name : JP MORGAN CHASE XXXX Checking account ending in : XXXXXXXX XXXX Credit card ending in : XXXX I certify that the above information is accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FULTON FINANCIAL CORPORATION
State: MD

Complaint narrative:
Fulton Bank failed to pay my property tax bill from a fully funded escrow account, resulting in {$1700.00} in penalties and interest. The Tax Year XXXX XXXX XXXX property tax bill was due XX/XX/XXXX. In that month, Fulton Bank held {$9300.00} in my escrow account more than enough to pay the outstanding balance of {$7700.00}. The bank paid nothing. The bill became delinquent XX/XX/XXXX. The bank 's own signed Initial Escrow Account Disclosure Statement projected and committed to property tax disbursements in XX/XX/XXXX and XX/XX/XXXX. Neither payment was made despite sufficient funds in escrow throughout. In XX/XX/XXXX, the bank received the outstanding tax bills and paid only {$960.00} of an {$8700.00} bill then took no further action before the XX/XX/XXXX deadline. In XX/XX/XXXX XXXX months into the delinquency the bank issued a {$3600.00} refund of unspent escrow tax funds while interest was actively accruing. The bank paid the full delinquency of {$9400.00} on XXXX XXXX XXXX XXXX months after the due date. I submitted a Qualified Written Request under RESPA Section XXXX on XX/XX/XXXX. The bank denied my claim for {$1700.00} in penalties on XX/XX/XXXX, citing a borrower notice that does not clearly apply to this situation and ignoring XXXX of my XXXX QWR demands entirely. XXXX XXXX records confirm XXXX XXXX XXXX and XXXX were both paid on time and early. The XXXX XXXX XXXX failure was specific and avoidable.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: LA

Complaint narrative:
I am submitting this complaint regarding Plaza Services , LLC and their continued reporting of an alleged XXXX account. This complaint concerns a different issue than my prior submissions and is based on inaccurate and inconsistent reporting across credit bureaus, as well as failure to ensure maximum possible accuracy under the Fair Credit Reporting Act. Despite prior disputes, Plaza Services continues to report this account. However, the information being furnished is inconsistent and unreliable across credit reporting agencies. For example, this same account is reported differently across bureaus. XXXX reports this account as an open Factoring Company Account in collection, while XXXX reports the same account as a Debt Buyer Account with a closed status. These are materially different classifications and account conditions that can not both be accurate. Additionally, the reporting structure and account details differ between bureaus. XXXX includes delinquency history and charge-off indicators, while XXXX reports the account in a simplified collection format without equivalent historical detail. These inconsistencies demonstrate that the information being reported has not been verified through a consistent or reliable process. Further, the account timeline reported by XXXX raises concerns regarding accuracy, as the Date of First Delinquency does not align logically with the reported account history. This inconsistency further calls into question the reliability of the information being furnished. These discrepancies indicate a failure to follow reasonable procedures to assure maximum possible accuracy, as required under FCRA 607 ( b ), and a failure to conduct a reasonable reinvestigation after dispute, as required under FCRA 611 ( a ) ( 1 ). Plaza Services has continued to report this account despite multiple disputes without resolving these inconsistencies or demonstrating that the information is accurate and complete. This is not an isolated concern. A prior account reported by this company was removed after similar issues involving insufficient support for their reporting. I am requesting that this matter be reviewed for compliance with the Fair Credit Reporting Act. If Plaza Services is unable to demonstrate that the information being reported is accurate, consistent, and the result of a reasonable investigation, this account should be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint regarding a disputed loan issued by Affirm for a purchase from XXXX XXXX The merchandise associated with this loan was never received. The package was marked delivered by XXXX ( Tracking # XXXX ) ; however, the delivery confirmation photo clearly shows the parcel left at a location that is not my residence. The image does not display my apartment door, unit number, or any identifiable feature linking the delivery to my address. I have checked with neighbors and throughout my apartment complex, and the package can not be located. This is a clear case of XXXX misdelivery. I contacted the merchant, XXXX XXXX, and they initiated a claim with the XXXX. Despite this, Affirm denied my dispute and is holding me responsible for payment on merchandise I never received. Affirm has failed to adequately investigate the dispute and is relying on insufficient proof of delivery. A delivery scan without confirmation of delivery to the correct address does not constitute valid proof of receipt. I am requesting the following resolution : 1. Immediate reversal of the loan associated with this transaction 2. Confirmation that I am not responsible for payment 3. Removal of any negative impact related to this account I have attached supporting documentation, including delivery confirmation, photographic evidence, and communication with the merchant. If this issue is not resolved, I am prepared to pursue all available remedies. This matter involves billing for goods not received and failure to properly investigate a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
To Whom It May Concern, I am submitting this statement to file a formal complaint regarding the collection activities of LVNV Funding LLC. LVNV Funding LLC contacted me on XXXX XXXX, 2026, attempting to collect a debt allegedly associated with my XXXX XXXX XXXX credit card account. However, this account remains in hands of the original creditor, and I am currently making payments directly to the original creditor, XXXX XXXX. Based on this, I dispute the validity of LVNV Funding LLCs claim that this debt is owed to them. Given that the account is still with the original creditor, not sold, or transferred, and remains with the original creditor, LVNV Funding LLC does not appear to have a legitimate basis to collect on this account. Their actions raise serious concerns about inaccurate reporting and improper collection practices. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Any furnisher of information is required to ensure that the data they report is accurate and verifiable. Reporting a debt that is not owed, duplicated, or still being paid to the original creditor may constitute a violation of the FCRA. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from attempting to collect debts that are not valid or that they can not substantiate. Continued contact regarding a disputed and potentially invalid debt may also violate federal law. Therefore, I am formally requesting the following : That LVNV Funding LLC immediately cease all communication with me regarding this matter. That LVNV Funding LLC provide proper validation of the alleged debt, including proof of ownership and transfer, if they claim it is valid. That LVNV Funding LLC permanently remove and delete any negative or inaccurate reporting related to this account from all three major credit reporting agencies if they can not validate the debt. Please consider this a formal dispute and request for investigation. I expect that this matter will be handled in accordance with all applicable federal laws and consumer protection regulations. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and request the immediate deletion of the fraudulent items listed below. I did not authorize these accounts, nor did I receive any goods or services from them. I have no knowledge of the perpetrator or the method of the theft. Please advise if further documentation is required to block this information. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7900.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and request the immediate deletion of the fraudulent items listed below. I did not authorize these accounts, nor did I receive any goods or services from them. I have no knowledge of the perpetrator or the method of the theft. Please advise if further documentation is required to block this information. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XX/XX/XXXXXXXX XXXX XXXXXXXX * * * * Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7900.00} 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 non-monetary relief
Consumer complaint received 2026-04-22 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: ID

Complaint narrative:
Applied the Chase hyatt business card in XX/XX/year> for the wlecome bonus spend {$5000.00} to get XXXX hyatt points, however they increase the welcome bonus after XXXX weeks later ( which is spend XXXX and get XXXX miles ), so I called them to request a match. The first guy said he doesn't know how to do it, so I called again on XX/XX/year>. The woman originally said a lot and in the end she promised me to spend XXXX more and them call back, they will manually issue the points. So I did it and call back again on XXXX XXXX, and the customer service told me they can't do that but she issued a ticket to see if I can get it, if I got reject, they will go further investigate. On XXXX XXXX, I received the notice from Chase said they can't offer me that match request, so I call again today and ask chase to do the further investigate, but they said they won't do anything. I think Chase lied to the customer is very disrespectful, especially since I spent {$5000.00} more.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I am filing a complaint against Aidvantage, my federal student loan servicer, for unilaterally changing my repayment plan without my knowledge or consent. I have been enrolled in the PAYE ( Pay As You Earn ) income-driven repayment plan for over XXXX years. On XX/XX/year>, I discovered that Aidvantage had transferred my account to IBR ( Income-Based Repayment ) without notifying me, without my request, and without my consent. This change materially affects my loan repayment terms and my accrued eligibility toward PAYE 's XXXX forgiveness timeline. Being moved to IBR exposes me to a longer repayment period and different payment terms, representing a significant financial harm. When I contacted Aidvantage to report this error and request restoration of my PAYE enrollment, the representative was unable to confirm whether the change could be reversed. I am requesting that the CFPB investigate this conduct, require Aidvantage to provide documentation of the authority under which this change was made, and ensure my PAYE enrollment and forgiveness timeline are fully restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I filed a complaint against XXXX/Paypal because not only do they have the shadiest customer service but they ignored all of the evidence I provided for a series of disputes I filed against this fraudulent entity XXXX XXXX XXXX The company stole over XXXX grand from me and after weeks of trying to talk with XXXX customer service I finally got a call from the XXXX office promising to help me with the matter. They lied to a Veteran with XXXX XXXX. This woman XXXX called me and promised to help me address all the problems I was having getting my money back. I even sent them the tracking number provided by the company showing the items were not only shipped to my address but they were shipped to a completely different person. The next day not only were all my cases closed against me but they suspended my account as well. XXXX is a sick fraudulent company as is PayPal and they try to manipulate and lie to you then stab you in the back. If they do not resolve this asap I will taking them to court. This woman from the XXXX office had the audacity to call me and assure me that everything would be resolved correctly and she lied to my face

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I received an official letter dated XX/XX/XXXX stating that my XXXX XXXX XXXX XXXX ( XXXX ) discharge had been reversed and that my federal student loan borrowing eligibility had been restored. Since receiving that letter, I have been in ongoing communication with both MOHELA and Federal Student Aid for approximately 3 months ( and continuing past 4 months total delay ). Federal Student Aid has confirmed multiple times that the XXXX reversal update was sent to MOHELA. However, MOHELA continues to state they have not received the update and has not updated my account status. As a result, my federal student loan eligibility is still not reflected correctly in their system. I have called multiple times to both MOHELA and Federal Student Aid to confirm the status and attempt to resolve the issue. Despite these efforts and an official escalation, the discrepancy remains unresolved, and I still can not access or confirm my restored borrowing eligibility through MOHELA. This ongoing delay and conflicting information between the servicer and Federal Student Aid has prevented me from moving forward with my financial aid and education plans.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: ID

Complaint narrative:
I was told by a store representative at XXXX XXXX that leasing through Acima would build my credit. This statement directly influenced my decision to proceed with the lease. I later discovered that Acima does not report positive payment history to credit bureaus, meaning it can not build credit. This appears to be misleading and deceptive sales behavior, as I relied on this information when entering into the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
I received a letter from a Attorney and Counselors at law a debt collector about XXXX XXXX stating that I owe them {$3.00}, XXXX I need the original paperwork for this credit card they was going to garnish my wages they contacted my employee I have no idea who the person and the address that they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Product : Auto loan or lease Issue : Problem with add-on products ( GAP insurance ) Company : * Toyota Financial Services * Lexus Financial Services Complaint Narrative IMPORTANT PRIOR COMPLAINT IMPROPERLY CLOSED This complaint is being resubmitted due to improper handling of my prior complaint by Toyota Financial Services . The company issued a final response while simultaneously stating that it could not identify my account and requesting additional information. I promptly provided the requested identifying details ; however, no substantive investigation or resolution occurred. This is not a duplicate complaint. The underlying issue remains unresolved. IDENTIFYING INFORMATION * Name on Account : XXXX XXXX XXXX * Vehicle : XXXX XXXX XXXX XXXX * VIN : XXXX SUBSTANCE OF COMPLAINT I financed my vehicle through Lexus Financial Services and purchased GAP coverage administered by Toyota Financial Services. In XX/XX/XXXX, my vehicle was declared a total loss. My primary insurer paid the claim ; however, a deficiency balance remained that should have been covered by GAP. Toyota Financial Services denied the claim, asserting that GAP coverage had been canceled due to missed payments. I dispute this for the following reasons : * I never received any notice of cancellation prior to the loss * I never received any refund of GAP premiums * No documentation has been provided supporting a valid cancellation * The alleged cancellation appears to have been processed internally without proper procedure HARM SUFFERED As a result of this improper denial, I am being held responsible for a loan balance that should have been covered, causing significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: VA

Complaint narrative:
I am filing a complaint against NetSpend regarding failure to provide effective customer service and failure to properly handle my dispute and escalation requests. On XXXX XXXX, 2026, I attempted to contact NetSpend customer service XXXX separate times to reach the dispute department and/or a supervisor. Each time, I was transferred or placed on hold and waited over 20 minutes without any response or resolution. I was unable to reach a live representative who could assist me. During one of these calls, I was informed that a supervisor would call me back. However, no supervisor has contacted me, and I was not given any direct method to escalate or speak with one. I was instead left without follow-up or resolution. I am currently experiencing financial hardship due to being unable to work because of a hand injury ( broken fingers ). Access to my funds is urgent and necessary for basic living expenses. I am disputing transactions on my NetSpend account and requesting provisional credit under Regulation E while the investigation is pending. NetSpend has not provided meaningful access to customer support or allowed proper escalation of my dispute. I am requesting : Immediate review of my dispute Provision of provisional credit under Regulation E where applicable Direct contact from a supervisor or dispute resolution specialist Clarification on why promised supervisor follow-up calls were not completed

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