vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
I am being billed by two different student loan servicers for the same underlying federal student loans after a Direct Consolidation. Those servicers are American Education Services ( AES ) and XXXX. On XX/XX/year>, I submitted a Direct Consolidation application. At that time, the loans were still being handled by XXXX after my XXXX XXXX XXXX discharge. On XX/XX/year>, AES began treating the prior XXXX Consolidation loans as In Repayment and demanding payment. The balances on those AES-serviced XXXX Consolidation loans were approximately {$81000.00} and {$110000.00}. My Direct Consolidation was later completed, and XXXX became the servicer of the new Direct Consolidation loans. The new Direct Consolidation balances are approximately {$81000.00} and {$110000.00}. These are the same underlying loans as the prior XXXX Consolidation loans, with the small difference apparently due to payoff interest or capitalization. The problem is that AES continues to demand payment on the prior XXXX Consolidation loans even though those loans were consolidated into the new Direct Consolidation serviced by XXXX. As of XX/XX/year>, the Department of EducationXXXX data still shows both the old XXXX Consolidation balances and the new Direct Consolidation balances as outstanding, causing the same debt to appear twice. I contacted XXXX and requested the Loan Verification Certificate or other payoff documentation needed to resolve the issue with AES. XXXX said this had already been completed and refused to send another XXXX, instead offering a generic consolidation summary letter. I also contacted the Department of Education help center, which gave a general response saying duplication can happen temporarily during consolidation and identified DOE/XXXX as my current servicer. This has left me with two companies demanding payment for the same underlying loans : AES on the prior XXXX Consolidation loans and XXXX on the new Direct Consolidation loans. I need the companies to reconcile the consolidation payoff, stop duplicate billing, correct the loan status reporting, and confirm in writing that the prior XXXX Consolidation loans are paid in full through the Direct Consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I never had access to online account management with Wells Fargo. I also did not receive email or physical mail communication stating that a payment was due for my Wells Fargo XXXX Card account XX/XX/year> - I saw in my XXXX credit report that there was a late mark on my Wells Fargo XXXX Card account. I immediately called Wells Fargo to pay off the current balance ( {$190.00} ), including interest and late fees, to make the card account current again. I also requested for the late mark to be removed, which the bank denied my 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 2026-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Subject : Request for Investigation of Inaccurate and Unverified Credit Reporting I am filing a formal complaint regarding multiple accounts being reported on my credit report that I believe are inaccurate, incomplete, or unverifiable. I have reviewed my credit reports and identified several negative items, including collections and charged-off accounts, that are negatively impacting my creditworthiness. However, I have not been provided with sufficient documentation or verification proving that these accounts are accurate, properly reported, or legally enforceable. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be fully investigated and verified. If the companies reporting these items are unable to provide proper documentation, I am requesting that the accounts be removed from my credit report immediately. Additionally, I am concerned that some of these accounts may : - Not reflect accurate balances or dates- Have not been properly validated as required - May have been sold or transferred without proper documentation - May not belong to me or lack sufficient proof of ownership I am requesting that the following actions be taken : 1. Conduct a full investigation into each disputed account 2. Require the reporting companies to provide complete validation and documentation 3. Remove any accounts that can not be properly verified or are found to be inaccurate These inaccuracies are causing significant harm to my ability to access fair credit, and I am requesting prompt resolution in accordance with federal law. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I disputed this debt in writing and requested full validation, including the signed agreement, complete accounting, and chain of title. Portfolio Recovery Associates acknowledged receiving my dispute but did not provide the required documentation. They only sent a generic sold to PRA form letter and an old billing statement, which do not prove ownership, liability, or their legal right to collect. They continued collection activity after my dispute, including claiming the debt is valid without providing validation. I also elected arbitration under the XXXX XXXX cardholder agreement, which they ignored. PRA is attempting to collect a debt without providing evidence that I owe it, in violation of the FDCPA. I am requesting CFPB assistance to require PRA to provide proper validation or cease all collection and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: NC

Complaint narrative:
I am filing this complaint regarding L J Ross Associates for reporting an inaccurate and unverified collection account on my credit report. This account is being reported as a collection for approximately {$5100.00} on behalf of XXXX XXXX XXXX XXXXXXXX. However, this is the same account that was previously reported, disputed, and removed after it was demonstrated that the balance had been satisfied. The balance for this account was addressed during the sale of my home in XXXX, where funds were paid through XXXX XXXX to resolve outstanding obligations with the original creditor. Despite this, the account has been re-reported with a new balance and under a different collection agency. I disputed this account and requested proper validation. The response I received only included a billing summary and did not include : Any contract or agreement bearing my signature Proof that I am legally obligated for the debt Documentation showing how the balance of {$5100.00} was calculated Proof that this balance was not previously satisfied This does not meet the requirements for proper validation under the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I sent a follow-up written request for proper validation and documentation of this alleged debt and provided a reasonable timeframe for response. That timeframe has passed, and I have received no response. Despite this, the company continues to report the account as valid to the credit reporting agencies without providing competent evidence of my legal obligation or an accurate accounting of the balance. Furthermore, the credit reporting agencies have continued to report this account as verified despite the lack of competent evidence. This account is both inaccurate and unverified. Reporting this information is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting : 1. Immediate deletion of this account from all credit reporting agencies 2. Documentation showing how this balance remains due after prior satisfaction 3. An explanation of how this account was verified without proper supporting documentation If this issue is not resolved, I will pursue further action for violations of federal consumer protection laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
OFFICIAL CORRECTION : This filing is an immediate amendment and replacement for Complaint # XXXX. The previous filing contained a critical clerical error. This current filing is the ONLY accurate record of the dispute and the required {$21000.00} resolution. Multiple managers, including Manager Anonymous and Manager personal support, provided conflicting transaction sheets containing " NULL '' data and falsified information. This was an intentional attempt to suppress evidence of unauthorized account activity. This conduct constitutes a direct violation of NCGS 75-1.1 ( Unfair and Deceptive Trade Practices ). I have spent 26 hours performing a forensic audit at a rate of $ XXXX to identify the falsified data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB Complaint : Violation of Regulation E ( 15 U.S.C. 1693f ) Subject : Unauthorized ATM Withdrawal - Geographic Impossibility Account Type : Checking Account / Debit Card Disputed Amount : {$110.00} Transaction Date : XX/XX/year> Description : I am filing this complaint because Bank of America has failed to conduct a " good faith investigation '' as required by Regulation E ( 15 U.S.C. 1693f ) regarding an unauthorized ATM withdrawal. On XX/XX/year>, an unauthorized withdrawal of {$110.00} occurred at an ATM in XXXX, Wyoming. At the exact time of this transaction, I was physically present at my workplace in XXXX, California. The physical debit card was in my possession in XXXX and has never been lost, stolen, or shared with any third party. While the statement reflects a posting date of Wednesday the XXXX, I received the fraud alert and initiated contact with the bank on Tuesday the XXXX. I was physically present at my office in XXXX on Tuesday, as verified by my attached timesheet. '' Basis for Reinvestigation : Geographic Impossibility : It is physically impossible for me to have performed a transaction in Wyoming while being present at my state government office in California. Cloned Card Evidence : The occurrence of a " Chip + PIN '' transaction in a state I have not visited, while the original card remained in my possession, is a clear indicator of card cloning or " shimming '' technology. Regulation E Compliance : Bank of America denied my claim on the basis that the " chip was read. '' However, under the Electronic Fund Transfer Act, the burden of proof is on the bank to prove the transaction was authorized by the consumer. A technical log of a chip-read does not constitute proof of authorization when geographic evidence contradicts it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Complaint to CFPB Inaccurate Mortgage Reporting ( XXXX XXXX XXXX XXXX XXXX XXXX ) I am filing a formal complaint regarding inaccurate and incomplete credit reporting by XXXX XXXX XXXX concerning my mortgage account, as reported on my consumer credit file with XXXX. The account in question ( ending in XXXXXXXX XXXX ) is being reported with inaccurate and misleading payment history. The report reflects late payments exceeding 120 days delinquent, however this information is incorrect. The account was never late, was maintained in good standing, and does not reflect the true payment performance history. Additionally, the XXXX tradeline is showing a $ XXXX monthly payment, which is not accurate and does not reflect the actual agreed mortgage payment terms. This misrepresentation creates a false and misleading account profile. I also note that this account appears to be reported only on XXXX and not consistently across all three major credit bureaus. This inconsistency suggests incomplete or inaccurate furnishing of data, and it is contributing to confusion and harm to my credit profile. This inaccurate reporting is significantly damaging my credit score, financial standing, and ability to obtain credit. The late payment history being reported is false, and the payment terms are not correctly reflected. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure that all reported data is complete, accurate, and not misleading in any material respect. Reporting false late payments, inaccurate payment amounts, or incomplete bureau reporting violates these requirements. I have not been provided adequate documentation supporting the alleged delinquency or late payment history being reported. # # # Requested Resolution : 1. Full investigation into the reporting by XXXX XXXX XXXX 2. Verification of complete mortgage payment history, including : - Payment dates and amounts - Proof of any alleged late payments - Full account servicing history 3. Correction of inaccurate late payment reporting ( 120+ days delinquent entries ). 4. Correction of inaccurate $ XXXX monthly payment reporting. 5. Update of account to accurately reflect never late / current payment performance history, if verified. 6. Ensure consistent and accurate reporting across all three credit bureaus : - XXXX - XXXX - XXXX 7. Deletion of any inaccurate derogatory reporting if it can not be fully verified. 8. Written confirmation of investigation results and corrective actions taken. This inaccurate reporting is materially harming my credit profile and does not reflect the true history of my mortgage account. I request prompt investigation and correction in compliance with federal credit reporting standards. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
There were disputed charges which were resolved in my favor. However, when the credit card was taken over by Synchrony and, the disputed items were not resolved. Ive spent hours trying to communicate with Synchrony but to no avail and now my credit score ( XXXX XXXX XXXX senior ) is being compromised.

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 2026-04-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Last month, I used Affirm to finance a hotel reservation that I booked through XXXX for my friend XXXX. However, XXXX processed two separate reservations for the same hotel stay ( same dates and guest ), which resulted in duplicate charges being financed through Affirm. Only one reservation was ever used. My friend checked into one room only, and the second reservation was never used and provided no service. Despite this being a duplicate and unused reservation, Affirm has continued to bill me and requires payments on both charges. I contacted the companies to dispute the duplicate reservation and requested that the unused booking be canceled or refunded. I also requested that billing and payments be paused on the disputed amount. The issue has not been resolved, and I am still being billed for the duplicate charge, including scheduled payments on a reservation that was never used. I am requesting that Affirm investigate this matter, remove or refund the duplicate charge, and stop all billing and payments related to the unused reservation. I should not be financially responsible for a duplicate booking that was never used and provided no service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year> my Account with American Express XXXX XXXX had > {$50000.00} in it. On XX/XX/XXXX the account disappeared. I immediately contacted the bank and was told that a new account would be opened and the funds reimbursed with 20-30 days. I waited patiently until I received a letter dated XX/XX/XXXX stating no bank error had occurred and that there would me no restitution of funds. I spoke with representatives of the bank and they were not forthcoming with why. I know my personal data has been on the dark web and I assumed that a bank would have mechanisms to prevent a fraudulent withdrawal based on someone knowing my birthdate and Social Security number. this loss is devastating! {$50000.00} to a XXXX XXXX XXXX man is very significant. Of course this has been reported to the police and the FTC. Can you provide any help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I was contacted by an individual posing as an agent of XXXX XXXX in response to a cancellation request I had made through the airlines official XXXX ( XXXX ) account. The individual claimed he could assist with canceling my parents airline tickets and processing a refund. He informed me that the refund would be issued through a money transfer application and instructed me to provide my credit card information so the funds could be transferred back to the original payment method. When the credit card transaction did not go through, he directed me to provide my debit card information and use the XXXX app instead. He then told me that, in order to verify the account, I needed to deposit funds into the XXXX account and complete a one-time transaction. Following his instructions, I transferred {$1500.00} initially, and later an additional {$1900.00}, as he claimed these amounts corresponded to the refund I would receive. Due to confusion with the app and the process, I did not realize at the time that I was actually transferring money from my own account to him. I also found the XXXX app interface to be very confusing, as it did not clearly indicate that the money was being transferred from my account in the United States to an individual in XXXX. Additionally, the app did not provide any clear or prominent warning or reconfirmation step to verify the recipient details before completing the transaction. The transfers were completed with a single click, without any additional verification or confirmation, despite the large amounts involved. Once I realized what had happened, I immediately contacted XXXX within approximately 30 minutes to report the incident and request cancellation of the transactions. I also promptly notified my bank, Chase Bank, within the same timeframe and requested that the transactions be stopped or reversed. XXXX informed me they would initiate an investigation and later confirmed that the activity was fraudulent. However, after a few days, they notified me that they were unable to reverse the transactions and that the funds had already been transferred. Despite my timely notification to both XXXX and Chase Bank, no effective action was taken to prevent or recover the transferred funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
In XX/XX/XXXX, I applied for a credit card at XXXX XXXX in XXXX with a representative assisting me in person. During the application process, I was not informed that the card included an annual fee for the first year. At the time of application, I specifically told the representative that the address on my drivers license was not a valid mailing address for me and that I do not receive mail there. Despite this, the representative used that address and did not enter my correct mailing address. As a result, I never received the original credit card or any related billing statements. In XX/XX/XXXX, I contacted FNBO to report that I had not received the card. I was told that the original account would be closed, a new card would be issued, and that no balance was due. A replacement card was then sent to the correct address and received in XX/XX/XXXX. I did not activate the replacement card until XX/XX/XXXX. Despite this, during XX/XX/XXXX FNBO reported me as delinquent for non-payment and placed a negative mark on my credit report before the account had even been activated or used. I contacted FNBO regarding this issue and was told that I only needed to dispute the reporting and that it would be corrected. I followed their instructions and submitted a dispute ; however, the dispute was denied. I have never made any purchases or charges on this account. The balance appears to be related to a fee that was never disclosed to me at the time of application. Had I been properly informed of any balance due, I would have paid it immediately. This issue was caused by the companys failure to : Properly disclose the annual fee Use the correct mailing address after being explicitly informed Ensure I received the card and billing information Report accurate information to credit bureaus Correct the error after acknowledging it

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