vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TX

Complaint narrative:
I opened a checking account with US Bank on XX/XX/year> with promo code " XXXX ''. The promotion was to set up direct deposits totaling {$5000.00} or more in order to get {$400.00} bonus cash. US Bank customer service has confirmed that the promo code was attached correctly. I completed the direct deposit requirement but did not get the bonus. I then contacted US Bank 4 times to resolve, but every time they tried to give me an excuse saying I'm ineligible for the bonus. Call # XXXX : US Bank Customer Service said bonus will be posted XXXX days after accounting opening. Call # XXXX : After XXXX days of account opening, called again and US Bank Customer Service changed the verbiage and said bonus will be posted XXXX days after completing required deposit. Call # XXXX : After XXXX days of completed require deposit, called again and US Bank Customer Service changed the verbiage again. Customer Service first tried to say my direct deposit is not eligible because they are not payroll deposit, which was completely false. After correcting them on this, they confirmed my deposit is good and eligible for the bonus, but this time they changed the verbiage XXXX more time again and said bonus will be posted XXXX days after completing required deposit. Call # XXXX : Since it looked like I can not resolve this with that particular representative, I called again. This time a new excuse showed up. Customer Service tried to say my account had a negative balance and that voided the {$400.00} bonus. My checking account was never with negative balance. It happened because US Bank charges a account maintenance fee of {$12.00} but the system auto corrects that instantly and refunds the {$12.00}, since I have satisfied the monthly maintenance fee waiver requirement. At the time that {$12.00} was charged, my account had {$5.00} in balance so the system charged {$12.00} and somehow assumed I have negative balance in that short moment. This is completely US Bank system design issue and not my fault. At the end, I still did not get the {$400.00} after the XXXX call. Looks like US Bank does not want to honor what was promised/advertised, even I have done all the steps correctly.

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 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my credit reports and found three medical collection accounts being reported only on Equifax , with balances of {$830.00}, {$1300.00}, and {$860.00}, for a total of {$3000.00}. These items were not reporting on my XXXX or XXXX credit reports. The Equifax reporting did not clearly identify the collection agency or original creditor, which made the information difficult to verify. My records show these items were already being disputed or reinvestigated by XX/XX/XXXX, but they were still being reported on XX/XX/XXXX. I disputed the reporting and requested reinvestigation because the information appeared incomplete and inconsistent across the credit bureaus. Despite that, the accounts remained on Equifax without clear creditor identification. I am submitting this complaint because I want the company to explain how these accounts were verified and why they continue to be reported when the information appears incomplete and does not match the other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
The instant Trump 's Administration reversed Biden 's order where lenders weren't able to report past due payments to the three credit bureaus, I started receiving calls. They wanted me to pay an exorbitant amount down and the monthly payments were well over {$500.00}. I don't make that kind of money. I'm still in XXXX, they still wouldn't allow deferment and forbearance wasn't an option either. IN a span of ten days Sallie Mae called me 11 times. I've have worked very very hard in the last 8 or so years to raise my credit score and if I can't make payments that is all going to be a waste. It's saddening. I'm trying tot get on my feet, graduate and I can't because I have this dark cloud of Sallie Mae calling me every day, several times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello, I am filing a complaint regarding an unresolved issue with my bank. On XX/XX/XXXX, at approximately XXXXXXXX XXXX., I made a cash deposit of {$1000.00} through a drive-up Chase ATM ( automated teller machine ) located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The ATM malfunctioned and retained the cash without crediting it to my account. The machine printed a receipt with the following details : AID number : XXXX Terminal ID : XXXX I immediately reported the issue to the bank and opened a claim. However, after their investigation, the bank closed my case and stated that they are not responsible for the issue at the drive-up Chase ATM and that the responsible party is the cash handling company XXXX. Despite this, I have not received my funds back or any resolution. I believe this decision is unfair, as the ATM is part of their banking service and I completed the transaction in good faith. I am requesting a full review of my case and reimbursement of the missing funds. Details : Date of incident : XX/XX/XXXX Time : XXXXXXXX XXXX Amount : {$1000.00} Bank : Chase XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX : Cash deposit via drive-up Chase ATM ( automated teller machine ) Receipt : XXXX XXXXXXXX / Terminal ID XXXX Outcome : Funds not credited, case closed without refund ; bank stated XXXX lies with Brinks I am requesting assistance in recovering my money. Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. I have contacted Transunion multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX days, I have not received any response. I respectfully request your assistance in removing these accounts 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 non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
* * Company : * * American Credit Acceptance * * Product : * * Auto Loan / Vehicle Loan * * Issue : * * Incorrect balance / Improper charges/ Failure to properly apply funds * * State : * * Virginia * * Complaint : * * I am filing a complaint regarding the handling of my auto loan following the total loss of my vehicle, including improper charges, failure to complete the appraisal process, and failure to properly apply and disburse funds owed to me. My vehicle ( XXXX XXXX XXXX ) was declared a total loss on XX/XX/XXXX, with XXXX miles. My insurance company, XXXX, provided all required documentation, including valuation and appraiser contact information, in a timely manner. American Credit Acceptance invoked the appraisal clause and stated that a third-party appraisal would be conducted. However, despite repeated submissions of the appraisers contact information by both myself and XXXX, ACA repeatedly claimed they did not have the information and failed to move forward with the appraisal process. As a result : * No third-party appraisal was ever completed * ACA ultimately accepted XXXX original settlement offer three months later * The delay in resolving the claim was caused entirely by ACAs failure to act Despite this, ACA is attempting to hold me responsible for payments and/or interest accrued during the period in which they delayed resolution. I dispute these charges for the following reasons : * The vehicle was declared a total loss as of XX/XX/XXXX * Any delay in processing was caused by the lender, not by me * ACA failed to execute the appraisal clause it invoked * It is improper to charge a consumer for interest and payments during a delay caused by the servicers inaction In addition, ACA has received a refund from XXXX related to my XXXX XXXX XXXX XXXX. These funds should have been properly applied to the loan balance, and any remaining surplus should have been issued to me. I am concerned that : * The refund may not have been properly applied * Any resulting surplus has not been disbursed to me * The handling of these funds has not been transparent * * Desired Resolution : * * * Removal of all interest, fees, and payments accrued after XX/XX/XXXX, or at minimum after all required appraisal information was provided * A corrected and accurate payoff amount * A full accounting of all funds received and applied, including insurance proceeds and the XXXX refund * Immediate disbursement of any surplus funds owed to me * Written confirmation that no negative credit reporting has occurred, or correction of any such reporting This situation has caused financial harm due to the lenders failure to properly handle the claim, complete the appraisal process it initiated, and correctly apply funds. I am requesting a full investigation and prompt correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Dear XXXX XXXX, I acknowledge receipt of your XX/XX/XXXX letter regarding my CFPB complaint. Respectfully, your response does not resolve the matter. As I explained previously, I had no choice but to pay the disputed charge when the reserved vehicle was given away. I promptly disputed the charge in accordance with the Billing Rights Summary, including responding to your XX/XX/XXXX request for information. Your own records confirm that my reply was timely, that a Member Concern Analyst located my email, and that PenFed reopened the case on XX/XX/XXXX and issued a temporary credit. Your letter further confirms that the merchant rebutted the charge on XX/XX/XXXX and that PenFed reversed the credit on XX/XX/XXXX. However, this reversal contradicts both the XX/XX/XXXX resolution letter in my XXXX XXXX case and the protections afforded under the Fair Credit Billing Act. The FCBA requires creditors to acknowledge disputes, investigate, and correct accounts where appropriate. It does not permit a creditor to disregard timely notice or to reverse credits after assuring the consumer that they are permanent. In your XX/XX/XXXX letter, you state that the merchants bank provided evidence that I authorized the charge and received services. Please provide me with a complete copy of all evidence you submitted to the merchants bank, including any text messages, emails, and phone records I supplied to PenFed. I have reason to believe that not all of my communications were forwarded, and I request confirmation that my full dispute file was transmitted. This request is made to ensure compliance with the Fair Credit Billing Act and to preserve my rights. The evidence provided by the merchant does not negate my rights under the FCBA, nor does it change the fact that PenFed acknowledged and reopened my dispute. I therefore request that PenFed reconsider its position, restore the credit, and confirm compliance with its statutory obligations. I reserve all rights to pursue further remedies, including continued engagement with the CFPB and litigation if necessary. Sincerely, 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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am reporting a violation of Virginia SB 301 ( effective XX/XX/year> ). On XX/XX/year>, I deposited {$1100.00} in cash. Under Va code PNC Bank was required to automatically exempt a minimum protected balance of {$1000.00} during a garnishment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IL

Complaint narrative:
I already filed one complaint but it hasnt been resolved by you. We have done everything they asked for including having my husband call CashApp and message them to cancel the payment and refund it since they wont unfreeze his account. For months now we have tried to get it fixed and resolved. Yesterday we were told that my husband has to call them and cancel the payment and he called two times today ( we were both on the line both verified our accounts and both said what we want done ) and he messaged them and nothing is resolved. The money is stuck and they are playing games with us. Both of the accounts involved in the dispute XXXX XXXX XXXX XXXX XXXX were on the phone, verified our accounts Total of three times asking for this payment to be cancelled but they keep ignoring us and literally not doing anything to help. I feel so helpless right now and XXXX and I are in a very tough financial situation and weve been trying to have this resolved since a minute after the money was sent and nothing. I dont know where else to ask for help. By attached text messengers between my husband and I you can tell he is fed up dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage servicer created an escrow account for lender-placed insurance despite my having continuous, uninterrupted hazard insurance coverage. This escrow was improperly established and should never have been created. As a result, my monthly payment was unilaterally increased from {$470.00} to {$880.00}. My autopay continued sending my contractual payment of {$470.00}, which I had paid on time every single month from loan inception without exception. Rather than applying these payments to my loan, the servicer held them in unapplied and escrow status, then reported my account as delinquent to all three credit bureaus for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was not late on my mortgage. I was short of an inflated payment amount I never agreed to and had every right to dispute. The lender-placed insurance was subsequently canceled and the premium refunded. However, {$1200.00} remains sitting in escrow and has not been applied to my loan balance. I also made two additional payments of {$880.00} each at the direct instruction of customer service representatives, who told me this would resolve the account. It did not. Those funds also remain misapplied. Late fees totaling {$140.00} were assessed. Only {$23.00} was waived. The remaining {$110.00} was refused. In a formal response dated XX/XX/XXXX, the servicer concluded no error occurred. I have submitted written disputes on multiple dates beginning XX/XX/XXXX with no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Creditly Corp.
State: NY

Complaint narrative:
I keep asking Credit Genie to help me regain access to my account but they are not helping. I had explained that I no longer have access to the email I switched my account to. I need help regaining access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MortgagePros, LLC
State: IL

Complaint narrative:
Mortgage ProsXXXX refinance and cash out. Payoff auto loans and credit cards. One vehicle paid off with a payoff amount from lender the other payoff amount was short due to NOT obtaining a payoff. Mortgage Pros used amount on credit bureau from XXXX. It was noted that this is their standard practice and are not required by CFPB to obtain a payoff from the lender. The Assistant VP informed me that they went above and beyound thier duty to obtain a payoff amount when they normally use a credit reporting bureau. I was left with an excesive amount to payoff this vehicle, {$830.00} ( approx. ). Thhis was on XXXX. On or about XXXX I was in contact with the Loan officer, XXXX XXXX, her supervisor, XXXX XXXX and another associate, XXXX XXXX about this same issue. I was told that Mortgage Pros can not just pull a number out of the air. They have to obtain a payoff amount. It was also discovered that they did try to contact XXXX XXXX but was unable to get through. XXXX XXXX does not have any record of Mortgage Pros requesting a payoff. XXXX XXXX has an automated system that asks for the appropriate information even for a third party to obtain a payoff. XXXX XXXX was able to obtain a payoff after a check for payoff was issued in the amount of {$22000.00} which was short {$830.00}. I have found that the FCRA requires mortgage companies to obtain a payoff. If there is a shortage, they are responsible to resolve this deficit. I was told by the VP, XXXX, that they are governed by the CFPB and not the FCRA. Therefore they are not required to contact the lender unless it is a Mortgage Loan, Judgement or lien. A credit bureau report for an auto loan or revolving account is all that is needed. These reports are known to be inaccurate. Mortgage Pros is stating that all payoff amounts were accurate acording to the information they obtained. If they have obtained the information from the wrong source, they have not pursued due diligence. Therefor the mortgagee 's are left with an due balance that they should not be responsible for. I feel I am not responsible for the {$830.00} because it is not my responsibility to do someone elses job for them. Disbursment of Morgage Proceeds ( XXXX ) explains Standard for Disbursment of Mortgage Proceeds and Required Documentation for Disbursement of Mortgage Proceeds and Mortgage Pros standards and practices do not align with these guide line. My question is are they going to be held responsible for this shortage and how many other customers have been shorted in a similar manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: NM

Complaint narrative:
I am writing to inquire why my complaints continue to be closed without a resolution. My original complaint number was XXXX, and the subsequent complaint number was XXXX. Additionally, the complaint number associated with Cascade Capital is XXXX. In the latest correspondence from Cascade Capital through CFPB, I was directed to contact XXXX XXXX, a case manager at Cascade. I have made numerous attempts to reach her at the provided phone number ; however, my calls remain unanswered and her voice mailbox is full, preventing me from leaving a message. Please refer to the previously mentioned complaint numbers for a full recap of my concerns. I look forward to your assistance in resolving this matter.

Company response to consumer: Closed with explanation