vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: AK

Complaint narrative:
I filed Disputes with XXXX XXXX XXXX against " Waypoint Resource Group , LLC, '' a XXXXparty debt collector. The debt collector bought the debt from XXXX XXXX. I closed my XXXXXXXX XXXX XXXXXXXX accounts with XXXX in XX/XX/XXXX. This was due to my move from XXXX, TX to XXXX, AL, of which my apartment in XXXX does not accept services provided by XXXX XXXX. The debt claimed is exactly {$220.00}. I disputed the following to XXXX XXXX XXXX on multiple occasions : - " The balance and/or past due amount is incorrect. '' - " The amounts, other than balance and past due, are incorrect. I also requested a copy of the bill from Waypoint Resource Group , LLC on multiple occasions ; unfortunately, they have repeatedly FAILED to provide me a copy of the bill intended to prove my disputes as valid. I filed the following disputes XXXX XXXX XXXX regarding this matter : - Dispute : XXXX ( " Resolved XX/XX/XXXX '' ) - Dispute : XXXX ( " Resolved XX/XX/XXXX '' ) Per both resolutions, the debt collector denied the reasoning of my disputes without releasing a copy of the bill to me, subsequently XXXX XXXX XXXX repeatedly FAILED to conduct thorough investigations which is allowing the debt to remain on my credit reports due to their egregious neglect. This kind of behavior on both entities should be unacceptable to the consumer.

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 2026-05-26 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: Chime Financial Inc
State: OH

Complaint narrative:
Chime is misclassifying my dispute. This is not a simple billing error ; it is a XXXX network violation for XXXX Not As Described involving documented merchant fraud and altered vehicle diagnostics. I am disputing this charge for a vehicle purchased on XX/XX/26, on the basis of misrepresentation and defective merchandise. Hours after taking possession, I discovered a serious pre-existing issue that was not disclosed at the time of sale. Based on the nature of the defect and supporting documentation, it is clear the issue existed prior to purchase and should have been known or disclosed by the dealer. I made a good-faith effort to resolve this directly with the dealership, including requesting that the deal be unwound or otherwise remedied. The dealer has refused to take responsibility or provide a reasonable resolution. Because the vehicle was not as described at the time of sale and material information was withheld, I am requesting a reversal of this charge under merchandise not as described / fraudulent / misrepresentation. I have provided supporting documentation, including the purchase agreement/title, communications with the dealer, and an inspection report from a certified car dealership confirming the pre-existing defect and appraising the vehicle at {$1000.00} 14 days after I purchased the vehicle even though it was sold to me for {$7900.00}. I filed a dispute through Chime on XX/XX/26 and it was denied on XX/XX/26 stating that no billing error occurred. Then on XX/XX/26 I received notification that an automatic appeal was filed with Chime for unknown reasons. I have submitted the evidence included in this complaint as well which consists of multiple attempts to reach the owner, the official appraisal, and diagnostic report from XXXX XXXX XXXX. I have also filed a complaint with the Ohio Attorney Generals Office and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Formal dispute of repossession of vehicle in the state of Texas. Foursight utilized a vendor whom did not follow proper protocols as it pertains to being able to legally repossess a vehicle. The towing service entered private property in a secured garage by way of tailgating or tricking the gate to gain access. This tactic is not allowed. Foursight also failed to provide all pre and post repossession documents that are required in writing. They had been provided with an updated address, and failed to send the required documents. Foursight is now pursuing a deficiency balance when the vehicle was not legally taken by the vendor, and they failed to issue all proper documents to the lien holder. All dates in question are in the attached documents on this complaint. I am requesting that attestations be signed by both parties ( Foursight and the Tow vendor ) to attest in writing that no tailgating/tricking tactics were used in obtaining the vehicle, as well as an attestation confirming that ALL proper documents were issued to the updated address that was provided by the lien holder . All reporting/collection attempts are to cease until resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account reported under my name is unfamiliar and unsupported by any documentation available to me.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am requesting a formal review of overdraft fees assessed on my account during a period of financial hardship by Bank of America. I have been a Bank of America customer for approximately 26 years. During the past couple of years, I experienced temporary financial distress, but in nearly every instance where my account became overdrawn, I transferred funds to cure the negative balance within 24 hours. Despite this, nearly {$200.00} in overdraft fees were charged in from 2025, worsening my financial condition though I was curing the deficit within 24 hours. After contacting customer service and escalating to a supervisor, only {$20.00} was refunded. Today I spoke with a XXXX XXXX ( # XXXX ) and her supervisor XXXX ( # XXXX ) who refused to waive the fees in the light of my circumstances. I respectfully request that Bank of America conduct a full goodwill review of these fees, taking into account : * my longstanding customer relationship, * my prompt repayment behavior, * and the financial hardship circumstances involved. I would appreciate reconsideration of additional fee reimbursement and a written explanation of the decision. Thank you for your time and review. 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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed my credit report and found an account with inaccurate reporting. It shows a late payment that was, in fact, paid on time. Consumer reporting agencies are required to report information with complete accuracy, and this account has never been late. I have attached a copy of my report with the relevant dates for your review. It's a XXXX XXXX Account. Account XXXX XXXX. XX/XX/year> was the date of the reported late payment. I am requesting that you investigate this account and promptly update the payment history to reflect on-time payments. Thank you for your attention to this matter.

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 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Hidden Meadow Lending
State: OK

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX applied for a hidden meadow lending high risk installment loan, I got pre approved for an {$1000.00} loan and told was waiting on back office. XX/XX/year> I call into the hidden meadow lending and ask about my application, they tell me it was denied. So I was okay with that and I went on with my day. XX/XX/year> I get a phone call from XXXX at XXXX telling me that I can get approved for a {$1000.00} loan and the agent on the phone told me I was going to be approved, not pre approved, approved! Then he sent it to the back office for it to get denied. I call into to the resolutions team as I record the phone call and tine is the name of the agent that was the most helpful, was able to go back on the calls and listen to the agent give me false hope, false approval as well as raising the loan amount knowing I was going to get denied. Once she reached back out XX/XX/year> to let me know that the agent was in fact in the wrong and that he indeed violate my FDCPA rights. I asked her to have upper management call me about the situation, and I get a call back today XX/XX/year> telling me that upper management didnt wan na talk, so XXXX XXXX happy enough to finish assisting me as well as telling me that the upper XXXX will talk with the agent that wronged me. I was hoping after hearing I got approved the second time I was going XXXX be able to keep my electric on. Well it will be off XX/XX/year> as I didnt have enough time to try and find a right loan, bank to get a loan from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Quick Debt Services LLC
State: VA

Complaint narrative:
This is a payday loan debt from around XXXX. When I called to find out why I was being called. I was told that I owed over {$300000.00} in late fees, legal fees and etc, I asked for a certified letter about this debt. I was told it's too late for that, and I needed to set up a payment plan for the debt today. The reason for the call is about the file that's been forwarded to my office for view prior to me forwarding so back litigation. We are attempting to include you in the decision making process. This is a time sensitive matter. You need to contact magician at XXXX file number XXXX. Our department has written the pain to process and facilitate the civil complaint that means you as our respondent. These complaints are in pending status. You have a right to go through mediation process first before the complaints are filed. You can contact mediation department at. XXXX failure to respond Resolve the feature of your rights immediate and a complaint will be forwarded to local jurisdiction. Consider this your official notification. case number XXXX. Disconnecting the call does not stop action on the complaints. Due to your actions, this recorded call will be used as evidence against you and forwarded out to discovery regarding litigation pursuing the higher balance and court fees. Here in mediation, we will cease and desist contacting you. We will assume you're waiving your rights to voluntary restitution The mediation process is considered closed, and you will be forwarded out to check systems until you appear for evidentiary hearing. Good luck.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OR

Complaint narrative:
As stated above today XX/XX/year> XXXX sent me threatening text messages stating that I will be forced to buy back a vehicle that I no longer have possession of if I do not falsely paperwork. They illegally closed my account without my signature and are now panicking because they made a legal error. I am a XXXX and do not have an ex husband, and they were XXXX towards me in their threat. They are trying to come to my place of residence after I told them no.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
Harris & Harris LTD placed a collection account on my consumer credit report for an alleged debt related to XXXX XXXX without providing me prior notice or proper validation of the alleged debt. I never received any initial written communication, validation notice, or supporting documentation before this account appeared on my credit report. I dispute the validity, accuracy, and ownership of this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), a debt collector is required to provide consumers with a written validation notice containing specific information regarding the alleged debt and the consumers rights. Additionally, under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. Further, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies have a legal duty to provide accurate and verifiable information. Reporting disputed or unverified information may constitute noncompliance with the FCRA. At this time, Harris & Harris has failed to provide : Proof I owe the alleged debt A complete accounting of the amount claimed A signed agreement or service contract Documentation showing assignment or transfer of the alleged debt Proof they have legal authority to collect Evidence that proper notice was ever mailed to me Despite the lack of verification, this account has been reported to the credit bureaus and has negatively impacted my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
Subject : Formal Complaint Against Regions Bank for Improper Overdraft Fees and Failure to Process Stop ACH Request I am filing this complaint regarding ongoing issues with Regions Bank related to improper overdraft fees, inconsistent dispute handling, and failure to honor a stop ACH payment request on my checking account. Over the course of several transactions, Regions Bank assessed overdraft fees on charges that were originally authorized while my account maintained a positive available balance. These transactions did not settle until several days later, at which point the account balance had changed and overdraft fees were subsequently charged. At no time was I adequately informed that transactions authorized with sufficient funds available could later result in overdraft charges after delayed settlement processing. I have contacted Regions Bank multiple times to dispute these fees and have received inconsistent and conflicting information from various representatives. On several occasions, I was advised that the fees would be reversed, yet no resolution has occurred. Instead, I continue to receive different explanations from each representative, with no meaningful action taken to correct the issue. Additionally, I requested a stop ACH payment on an account and was charged a fee for this service. Despite accepting payment for the stop payment request, Regions Bank failed to stop the ACH transaction as requested. The unauthorized payment was still processed, and the bank has refused or failed to reverse both the stop payment fee and the resulting account charges caused by their failure to properly execute the request. I also submitted a formal written complaint directly to Regions Bank seeking resolution and documentation regarding these matters ; however, I have received no meaningful response. I believe these actions constitute unfair and deceptive banking practices, including : * Assessing overdraft fees on transactions authorized with a positive balance * Failing to clearly disclose overdraft practices related to delayed transaction settlement * Providing inconsistent and misleading information during dispute resolution attempts * Charging fees for services that were not properly executed * Failing to respond adequately to formal customer complaints I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in obtaining : 1. Reversal and refund of all improperly charged overdraft fees 2. Refund of the stop ACH payment fee 3. Reimbursement for any additional charges caused by the failed stop payment request 4. A full review of Regions Banks overdraft and dispute handling practices related to my account Thank you for your attention to this matter.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I am filing a formal complaint against XXXX regarding the unlawful reinsertion and inaccurate reporting of a Nordstrom/TD Bank account on my credit report. This account was previously removed from XXXX and XXXX after being disputed as fraudulent and unverifiable. However, XXXX allowed the account to reappear without any reinsertion notice or explanation as required under FCRA 611 ( a ) ( 5 ) ( B ). The account has also been improperly changed into a collection/charge-off account written off as profit and loss, causing additional damage to my consumer report and financial standing. I never received : Any notice of reinsertion Any verification documentation Any explanation supporting the reappearance of the account I believe XXXX is violating : FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertion of Deleted Information FCRA 623 ( a ) ( 1 ) ( A ) Reporting Inaccurate Information FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy I am requesting : Immediate deletion of the Nordstrom/TD account from my XXXX report A complete reinvestigation Copies of the furnisher certification allegedly authorizing reinsertion Written confirmation of deletion This inaccurate reporting continues to cause harm to my creditworthiness, financing opportunities, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.

Complaint narrative:
I have found fraudulent activity in my relationship with said bank. 1. Breach of Fiduciary duties ( Duty of Care ) 2. Obligstion Violations ( 18 usc 8 ) 3. Special Endorcement Violations 31 cfr 328.5-6 4. Unjust enrichment 5. fraudulant disclosure securization 6. Government Obligation ( 12 cfr 351.12 ) 7. Antitrust ( 15 usc 1 ) 8. Deprivation of Rights

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
During XXXX, the Biden Administration automatically gave a reprieve from making student loan payments. Simultaneously, the Dept of Education had NelNet take over my loan. NelNet said they sent information regarding such, and the need to start making payments, to an old email address ; one that I had updated with the Dept of Education. Subsequently, I never received any notice prior to receiving a note that my credit had dropped over XXXX points. I requested my credit reports and figured out that NelNet had reported that I wasn't paying them. I called NelNet and asked them what email address ( es ) they had on file for me. They recited both my old email address and the updated email address. When I tried to explain that I had received no notice, the woman was extremely rude and brushed me off. I paid the loan in FULL once I was aware of who to pay and I filed a dispute with one of the credit bureaus. NelNet basically said " too bad '' and screwed up my credit score for something that was due to their lack of diligence.

Company response to consumer: Closed with explanation