vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My forbearance ended on XX/XX/year>. Between XXXX and XX/XX/year> I received a 90-day late payment on my credit report. During this period the only notifications I received were messages posted to my Nelnet portal. I was in forbearance and had no reasonable cause to actively monitor my portal for urgent delinquency notices. There is a reasonable expectation that time-sensitive notifications such as missed payments and growing delinquency would be communicated via email or phone call not solely through a portal that borrowers in forbearance have little reason to check. Nelnet claimed they also contacted me via email and phone calls. When I formally requested documentation of all communication attempts during the delinquency period including emails, phone call logs, and billing statements, they responded with only a payment history. They were unable to provide any evidence of email or phone contact despite claiming it occurred. When I raised these concerns Nelnet cited the FCRA and stated they were not required to investigate certain disputes directly from consumers, which I believe was used to avoid addressing my legitimate concerns. I am requesting the CFPB investigate whether Nelnet fulfilled their obligation to make reasonable and adequate contact attempts before and during my delinquency, and whether relying solely on portal notifications during a forbearance period constitutes adequate notice. I am requesting the 90-day late payment be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I hereby formally dispute this LVNV Funding LLC collection account as this account was opened as a direct result of identity theft without my knowledge authorization or consent I have filed an official identity theft report with the Federal Trade Commission establishing documented proof of fraudulent activity in my name Pursuant to FCRA Section 605B creditors are required to block fraudulent information resulting from identity theft I demand that LVNV Funding LLC produce an original ink signed contract bearing my wet signature as proof of any alleged contractual obligation Electronic signatures or digital records will not be deemed sufficient verification I demand immediate removal of this account and reserve all rights to pursue all legal remedies available under FCRA FDCPA and applicable consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
am filing a complaint against TD Bank regarding the closure of my recently opened checking account and the denial of future banking services. TD Bank previously informed me that I had been removed from its fraud closure list after a review. Based on that representation, I opened a new account online in XX/XX/year>. Shortly after opening the account, my XXXX access was restricted. I submitted a complaint seeking an explanation. The next day, my online banking access was frozen and the account was subsequently closed for alleged fraud. I visited a TD Bank branch and was informed that the bank would not open any account for me. No employee was able to provide a clear explanation, documentation, or evidence supporting the fraud allegation. TD Banks actions appear inconsistent because the bank previously stated that I had been removed from its fraud closure list, yet it later closed a newly opened account and denied future banking services based on fraud concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, Wells Fargo illegally seized {$570.00} from my personal checking account to pay a closed consumer credit card debt ( Account ending in XXXX XXXX ). The transaction description explicitly reads 'LEGAL RECOVERY SET-OFF. " I contacted Wells Fargo to dispute this, stating I did not authorize, accept, or agree to this withdrawal. Their representatives retorted that the seizure was allowed because 'it was an agreement in the contract. ' However, under Federal Regulation Z ( 12 CFR 1026.12 ( d ) ), right of set-off clauses in consumer credit card contracts are strictly illegal, void, and unenforceable.Furthermore, on XX/XX/year>, I received a formal Debt Validation Notice from their debt collection law firm, XXXX XXXX XXXX XXXX XXXX ( Reference : XXXX ), confirming active collection escalation. I have checked the XXXX XXXX XXXX XXXX public portal and verified that XXXX civil judgments or lawsuits exist against me.Wells Fargo has skipped judicial due process and used an illegal internal bank sweep to raid my consumer deposit account. I have mailed a formal dispute and settlement offer to XXXX XXXX XXXX XXXX XXXX. I demand that Wells Fargo reverse this illegal internal transaction, return my {$570.00}, or formally accept the settlement offer to close this account with a {$0.00} balance.

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
I am writing to dispute numerous unauthorized charges to my ( this ) debit card, which all occurred on the same date ( XX/XX/2026 ), which is the same date that the State of New Jersey deposited {$580.00} to this debit card. The erroneous charges are in the amounts of : {$48.00} on charge date XX/XX/2026 ( XXXX XXXX ) {$43.00} on charge date XX/XX/2026 ( XXXX XXXX ) {$53.00} on charge date XX/XX/2026 ( XXXX XXXX ) {$26.00} on charge date XX/XX/2026 ( XXXX XXXX ) {$87.00} on charge date XX/XX/2026 ( XXXX ) {$76.00} on charge date XX/XX/2026 ( XXXX ) The charges are in error because I did not buy these items ; nor did I order these services. In fact, I have never ordered from XXXX XXXX, ever, and it has been more than Seven ( 7 ) years since I have used XXXX ( never with this card by the way ). On XX/XX/2026, as soon as I detected these erroneous charges, I made numerous back-to-back calls to My Banking Directs Customer Service number ( located on the back of my debit card ). However, not only was I forwarded from department to department, but each call was dropped before I could even receive any type of help for this issue. After my final attempted call was dropped, on this same date, I rushed to the ATM to attempt to remove all remaining funds from this card, in hopes of preventing additional erroneous charges ; however, my attempt to withdraw funds was unsuccessful as I was alerted by the ATM machine that my card was invalid. No one forewarned me, during my communications with My Banking Directs Customer Service, that use of my card would be blocked, which is a huge inconvenience for me as I need access to my funds. This letter will be mailed to the above listed My Banking Directs mailing address ; it will also be sent to the appropriate regulatory bureaus/ agencies. Please correct these errors on my card promptly. I can provide my debit card number and any other information about me upon request.

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 2026-06-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
My banking and social security information was hacked a loan was took out on my credit card now I cant close the 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 explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
In XXXX, I wrote a check for approximately XXXX to XXXX XXXX XXXX XXXX. The check was washed and the payee was changed to " XXXX XXXX ''. It was taken to a Chase Bank location in XXXX, Texas where a teller gave them cash for the check. My local bank, which was in contact with Chase, said Chase admitted there was no verification to cash the check by the Chase teller ( fingerprint, ID, etc ). After a few months, Chase admitted it was on them and sent the money to XXXX XXXX for them to deposit into my account. The perpetrator of this fraud created a fake email and phone number to make it look like my business, XXXX XXXX XXXX, had a checking account with Chase Bank. XXXX XXXX XXXX has a Chase credit card, but has NEVER has a checking account. Fast forward to XXXX, I went to a Chase location with XXXX to open a personal checking account. At the end of the process, the Chase representative had a notice pop up on his computer screen that told them that I was not eligible for an account, and that decision was final. On the screen I noticed the same email and phone number the fraudster used in XXXX. The Chase employee was very nice about it, but said there was nothing he could do. I haven't had time to pursue it until today and did reach a Chase employee within their fraud department who told me there were a ton of departments within Chase, and the odds of them being able to clear my name was pretty much nil. As the victim, these answers and this result is more than disheartening. Someone stole a check of mine from the postal system 3 years ago, fraudulently altered it and stole XXXX, and now I'm the one who is XXXX from opening an account. I just can't believe Chase can't look into this and clear my good name. I DO have a Chase credit card with my business and have routinely spent XXXX of XXXX PER MONTH on it, and Chase has had no problem with my identity with it. I sincerely appreciate your time, and will provide whatever info requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was entirely unaware that these accounts had been opened and played no role in approving or authorizing them. I demand a detailed examination of all records, approvals, and internal controls.

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 2026-06-09 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: Chime Financial Inc
State: PA

Complaint narrative:
I am filing a complaint regarding Chimes handling of an unauthorized debit card transaction in the amount of {$230.00}. On or about [ DATE OF TRANSACTION ], a debit card payment was made from my account to a XXXX account that does not belong to me. I did not authorize this transaction. After discovering the transaction, I immediately reported it to Chime and opened a dispute. Throughout the investigation process, I provided all documentation and information requested by Chime. Despite my cooperation and submission of evidence, my dispute has now been denied three separate times. I have repeatedly contacted Chime, approximately every two days, requesting an explanation for the denial and asking for the findings of their investigation. To date, I have not been provided with a meaningful explanation, evidence supporting the denial, or a clear basis for their determination that the transaction was authorized. The transaction was sent to another individuals XXXX account and not to an account owned or controlled by me. At the time of the transaction, there were additional circumstances that support my position that I did not authorize this payment, and I am prepared to provide supporting documentation if requested. I am requesting that Chime : 1. Reopen and conduct a thorough review of my dispute. 2. Provide the complete basis for the denial decision. 3. Provide any evidence relied upon to determine that the transaction was authorized. 4. Reimburse the unauthorized transaction if the review confirms that I did not authorize the payment. 5. Ensure compliance with all applicable consumer protection laws governing unauthorized electronic transactions and dispute investigations. I have acted promptly, cooperated fully, and provided all requested documentation. I am seeking a fair review of my claim and a detailed explanation of Chimes decision-making process. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
My mortgage was originated in XXXX for approximately {$140000.00} with XXXX. It was later serviced by XXXX XXXX XXXX, then XXXX ( XXXX XXXX ), and is now serviced by Rocket Mortgage. I am filing this complaint because the servicers have mishandled my loan for years, resulting in an inflated balance, missing payment history, and a forced modification that I believe was caused by servicing transfer errors and servicing abuse. In XXXX, XXXX XXXX XXXX refused to accept my mortgage payments for approximately 90 days. I attempted to pay, but the servicer would not accept the payments. This created an artificial delinquency. After that, I was forced into a loan modification in XXXX over a {$95.00} shortage. I was not allowed to simply pay the shortage. The servicer told me I had to complete a full modification. As a result, the modification capitalized interest and fees and reset my balance to {$140000.00}, effectively wiping out nine years of amortization and making it appear as if I had made no progress on the loan. Since the modification, I have made consistent payments for more than a decade. Despite paying for 21 years total, Rocket Mortgage now claims I still owe over {$100000.00}. Based on normal amortization, my balance should be much lower, closer to the range of what a typical 30year loan would show after two decades of payments. I believe the inflated balance is the result of improper accounting, refusal to accept payments, and the forced modification. I recently requested a full lifeofloan accounting from Rocket Mortgage. Instead of providing the complete history from XXXX to the present, Rocket only provided records from XXXX forward and stated that my request was overly broad. This ignores nine years of payments and prevents me from verifying the accuracy of my balance. Under RESPA Regulation X, I understand that I am entitled to accurate and complete information about my loan, including a full payment history. Rocket Mortgages written response also stated that no error occurred, but they only reviewed their own servicing period and did not address the refusal of payments by XXXX XXXX XXXX, the forced modification, or the missing amortization from XXXX to XXXX. I believe this is an incomplete and inadequate response. I am requesting that the CFPB require Rocket Mortgage to provide a complete lifeofloan payment history from origination in XXXX to the present, correct the principal balance to reflect all payments made, and investigate the servicing transfer issues, the refusal to accept payments, and the forced modification over a minor shortage. I am also requesting that Rocket be required to comply fully with federal servicing rules and provide accurate information regarding my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Creditors Bureau Associates
State: CO

Complaint narrative:
I received a text message on XX/XX/XXXX at XXXX XXXX MST from Creditors Bureau Associates. However, the address and website included in the message correspond to a different business, XXXX XXXX XXXX XXXX. The website associated with the address provided in the text is XXXX XXXX XXXX XXXX. A XXXX search for Creditors Bureau Associates shows their website as XXXX XXXX XXXX which lists a contact address in XXXX, GA XXXX The area code of the phone number used to send the text ( XXXX ) matches Creditors Bureau Associates, while XXXX XXXX XXXX XXXX uses a ( XXXX ) area code. Previously, on XX/XX/XXXX at XXXX XXXX MST, I received a message from Creditors Bureau Associates ( note the added apostrophe ). This message failed to disclose that it was from a debt collector and provided no contact information. This same message, sent instead under the name XXXX, was also received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These messages likewise failed to disclose that they were from a debt collector and included no contact information. All of these messages appear in the same message chain as the XX/XX/XXXX communication and were sent from a nontraditional short code, XXXX. Each message includes the Creditors Bureau Associates logo. Based on these communications, I believe the sender of these collection attempts, Creditors Bureau Associates, has violated their obligation to accurately identify their business, failed to disclose their status as a debt collector, and may be attempting to circumvent communication regulations by issuing notifications from multiple phone numbers and using slightly differing business names.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
On XX/XX/XXXX I was sent a letter from sunrise credit, they put this on my account without me knowing. A month or two later I got a call from sunrise debt collection saying I owed them money for WiFi, I never had any clue about this they called and told me after they put this on my credit. I didnt know I was supposed to be paying payments and now its on my credit affecting me badly!

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 2026-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
Subject : Marcus by Goldman Sachs Failure to Honor {$1500.00} Savings Promotion Bonus Company Name : Marcus by Goldman Sachs I am filing this complaint because Marcus by Goldman Sachs is refusing to honor a {$1500.00} savings promotional bonus that I am rightfully owed. On XXXX XXXX XXXX, I contacted Marcus by phone to open a new account specifically to participate in their {$1500.00} promotional bonus offer. A Marcus representative completed my application over the phone on this date. I was led to believe that my participation in the promotion was fully active and tied to my new account. Following the rules of the promotion, I deposited XXXX dollars and strictly maintained them in the account for the full 90-day holding period. When the bonus was not paid out, I contacted Marcus customer service. They informed me that I am being denied the {$1500.00} bonus because I failed to click an " enroll '' button on their website. However, because my application was handled entirely over the phone by a Marcus representative, I was never shown or directed to any online enrollment button, nor did the phone representative inform me that a separate, manual digital step was required to finalize the promotion. I fulfilled my end of the agreement in good faith by maintaining a massive cash deposit with Marcus for 90 days based on the terms discussed during account creation. Marcus is now using a hidden, secondary digital enrollment clausewhich is impossible to complete during a phone applicationto avoid paying out a promised incentive. Desired Resolution :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I made a purchase of {$360.00} with the XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to the merchant and asked when us the estimated date of my package delivery and i was told it was shipped. I never received my package. I then made a dispute to chime and with the only documents that I have and was denied my funds back. I called CHIME to figure out what I should do because I couldn't get in contact with the merchant. They told me they got in touch with the merchant and there was no error on my account. I kept explaining to them that I haven't received my package and its been two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Theres multiple inaccurate accounts reporting to 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 non-monetary relief