vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 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: Central Research Inc
State: PA

Complaint narrative:
I am writing to formally dispute the reporting of XXXX and XXXX late payments for the above-referenced account, which appear on my credit report for XXXX, XXXX and XX/XX/year>. 
These derogatory marks are inaccurate and do not reflect the true status of my loan during that period. 
In XX/XX/year>, I submitted a request for deferment due to financial hardship following job loss. That request was approved, and deferment was confirmed to be in effect from XX/XX/year> through XX/XX/year>. I have included a copy of my confirmation of approval sent to me on XX/XX/year>. 
As such, this account should have been placed in deferment status before the late marks were reported. Reporting it as XXXX and XXXX days delinquent is inaccurate and harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
Google is accepting consumer funds for XXXX XXXX stored value and then rendering those funds functionally inaccessible without a defined timeline or meaningful resolution. 

On XX/XX/year>, I purchased a {$10.00} XXXX XXXX gift card directly from XXXX XXXX. Google processed the payment successfully, issued an official order receipt ( Order number : XXXX ), and delivered the gift card code to my email address. 

XXXX GIFT CARD RECEIPT MY XXXX XXXX PURCHASED GC Despite the purchase originating from Google itself, Google Play blocked redemption and displayed a message stating Google needs more information and directed me to submit a verification form with documents. I complied and submitted the requested form and proof of purchase. Google then indicated that due to high volume review may take weekswhile retaining my funds and preventing use. 

This is not a one-off {$10.00} inconvenience. I currently have more than {$300.00} in XXXX XXXX balance that is unusable. In-app purchases fail with Googles payment error code XXXX, blocking the ability to use my existing stored value and complete transactions. This is occurring on my personally owned Android phone and tablet ( no emulator ). I have never violated any policies involving Google.

Googles support channel has been ineffective and cyclical. In a documented support chat, Google acknowledged the issue, confirmed the gift card purchase was made directly from XXXX XXXX, and repeatedly stated the matter was escalated, promising an email in XXXX business days, while providing no substantive fix and no way to release the restriction. ( Case referenced in transcript : XXXX. ) google chat transcript This conductaccepting payment for stored value, showing the balance as available, then preventing redemption and transactions while offering only indefinite reviewsis effectively a funds access restriction without adequate explanation, transparency, or timely resolution. 

Requested resolution : Immediate removal of the restriction causing XXXX and restoration of purchasing ability ; Immediate restoration of access to my full XXXX XXXX balance ( XXXX $ XXXX which is unreachable and unusable ) ; Written explanation identifying the precise basis for the restriction and the internal team responsible ( Google Payments risk/verification ) ; Written confirmation that valid stored value will remain accessible going forward. 

Attachments : XXXX XXXX order receipt ( gift card purchase ), gift card code email, screenshots of redemption block and XXXX, support chat transcript ( case ID ), and related support feedback.

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 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX, Florida XXXX XX/XX/year> LVNV FUNDING LLC P.O. XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation Dear LVNV FUNDING LLC, I am writing in response to your phone call received on XX/XX/year>, regarding a debt you claim that I owe. Please be advised that this is a request for debt validation as provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c. 
I request that you provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including an itemization of any fees or interest added. 
XXXX. A copy of the original signed agreement or other documentation showing I agreed to assume this debt. 
XXXX. Proof that you are authorized to collect this debt on behalf of the creditor. 
XXXX. A copy of any judgments, if applicable. 
Please also note that I request that all communication about this matter be conducted in writing. Until you provide the requested documentation, please cease all collection activity and refrain from reporting this debt to any credit reporting agency. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: WI

Complaint narrative:
Interest amount is ungodly. {$400.00} every XXXX weeks in interest on a {$1900.00} loan. No way to pay down principle. This rate is far above state regulations. How can they operate unlicensed in my state and charge me 500 % interest if not more. Not right or fair they can operate unlicensed and not follow state regulations

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 2026-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting on my XXXX XXXX XXXX account. 

I previously submitted a dispute through the credit reporting agency challenging the accuracy of the reported late payments. The result of that investigation was returned as unknown, which indicates that a proper and reasonable investigation was not completed as required under federal law. 

Under the Fair Credit Reporting Act ( FCRA 611 15 U.S.C. 1681i ), once a consumer disputes information, the furnisher is required to conduct a reasonable investigation and review all relevant information provided. Reporting a result as unknown does not satisfy the statutory requirement for a reasonable investigation.

Additionally, pursuant to FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2, a furnisher may not report information that it knows or has reasonable cause to believe is inaccurate. These late payments are inaccurate and/or can not be verified with competent evidence. 

I never received : Any billing statements showing the payment due for the months reported late Any past-due notices Any delinquency or default correspondence Any notice that this account would be reported as late to the credit bureaus XXXX XXXX XXXX policies state that consumers are notified before negative reporting, then their failure to provide such notice is a violation of their own procedures and resulted in improper and harmful credit reporting. 

The XXXX  indication of any alleged delinquency was the negative reporting on my credit report. 

Furnishers are also required to be XXXX XXXX complaint. XXXX also requesting complete XXXX XXXX data fields used to report this account. If company is not compliant and can not provide this information I ask that all three late payments be removed every credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above named XXXX and XXXX. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Defamation of of character Violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year> someone called me and impersonated a Chase bank representative. He said the bank was crashing and I had to send him money in order to save my money. He lied. I sent him my money and he took it, never returned it. The bank knew it was a scam. But sent the money anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Formal Complaint - Truist Bank Denial of Valid Non-Delivery Dispute I, XXXX XXXX, am filing this complaint against Truist Bank for the improper denial of my " Goods Not Received '' dispute. I purchased an item on XXXX, but the merchant engaged in a " XXXX XXXX Tracking Scam '' by sending a package to a different address within my zip code ( XXXX ) to generate a fraudulent " Delivered '' status. 

I have provided Truist with clear evidence that they have ignored : A screenshot of my UPS My Choice " To Me '' dashboard for the delivery date. This dashboard tracks ALL packages addressed to my name and residence. The merchant 's tracking number is missing from this list, proving it was never addressed to me. 

An FBI IC3 Internet Crime Report ( File XXXX XXXXXXXX ) documenting this as criminal mail fraud. 

Truist Bank has stated the " merchant is protected, '' but under the Fair Credit Billing Act and Regulation XXXX, a merchant is only protected if they provide proof of delivery to the consumer 's address, not just a random address in the same zip code. Truist has failed to perform a manual review of the actual destination address on the shipping label. 

I am requesting that Truist Bank perform a human-led investigation to verify that the destination address for the merchant 's tracking number does not match my registered address on file. I request a full reversal of the charge.

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 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MO

Complaint narrative:
Original Creditor : ALDOUS AND ASSOCIATES XXXXXXXX XXXX XXXX Allegedly opened XXXX, XXXX XXXX 

I know that this account was opened fraudulently. I never stepped a foot in that gym, I have never worked out there ONE time. I am not even sure where they got my information. I will write them a letter requesting all information on their investigation because they disagree with me and refuse to grant my dispute. I would like proof of signing my name on any contract and never going to workout one time. 

XXXX XXXX are refusing to offer any evidence of why they disagree with my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to express my concern with Zelle handling my dispute. Ive been using Zelle faithfully for years for my business and personal use. Ive reported this discrepancy to my financial institution and Zelle failed to investigate my complaint adequately. I know that the CFPB found that Zelle has been found negligence in protecting its consumers but allow the financial institution and others exploit and abuse the system leaving me susceptible to scams. The lack of accountability is disheartening and unacceptable leaving me vulnerable and feeling robbed, homeless and has raised a few concerns about Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Im so tired of these companies getting over on me, then they take it off my report, then they out it back on and its keeping my score up and down for the last 5 years its draining. Also Im having financial difficulties and my so. Just passed and Im going to file for bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank , N.A . in connection with a previously held account that was closed by the bank due to suspected fraud. 
On or about XX/XX/year> a United States Treasury check in the amount of {$3400.00}, payable to XXXX XXXX, was deposited into my Chase account. The check was endorsed by the lawful payee prior to deposit. 
Chase accepted and processed the check and successfully collected the funds from the U.S. Treasury. Subsequently, Chase closed my account citing suspected fraud and terminated our customer relationship. 
I no longer maintain any accounts or banking relationship with Chase and do not wish to have any further involvement with the bank beyond resolution of this matter. 
I am not the lawful payee of the check in question and I do not claim any ownership or entitlement to the proceeds of this check. I do not authorize Chase to retain or redirect these funds for my benefit. 
Given that Chase has already severed its banking relationship with me and closed my account, and that the funds do not belong to me, I respectfully request that Chase be directed to remit the proceeds of the negotiated Treasury check to the lawful payee, XXXX XXXX who has presented valid government-issued identification and IRS-issued check trace documentation confirming her status as the intended recipient. 
Additionally, I request that Chase limit any further contact with me to written communication regarding the resolution of this specific matter only, as I do not wish to re-engage in any ongoing banking relationship with the institution. 
I am seeking the OCCs assistance in ensuring that these funds are released to the rightful payee and that this matter is brought to a timely resolution. 
XXXX XXXX XXXX for closed acct recover XXXX. I can provide social if requested to identify account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I started getting messages from coinbase to verify my address or my account will be closed. I did it countless times but each time it gave me the message that my address could not be verified. I even went to their help page to lodge a complaint but that did not yield any results. Now I can not go into my account even though I have more than 10 crypto currencies with varying amounts in my account.

I would be very grateful for your help to recover my cryptos in my account.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I placed an order at Best Buy to purchase a TV using my Best Buy Visa credit card on XX/XX/XXXX, order number, XXXX, in the amount of {$1000.00}. I changed my mind about the order and canceled it on XX/XX/XXXX. Upon reviewing my bill, I realized that I was still being charged for this purchase and it was reducing my available credit. I called customer service and spoke to five different people who were unable to help me so I filed a dispute on XX/XX/XXXX. I received a letter dated XX/XX/XXXX stating that they are denying my dispute. I have evidence that I canceled the order and should not owe this amount. This is negatively impacting my credit score and causing unnecessary stress. I want this charge removed from my credit card bill 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 explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing this complaint against Citibank , N.A . regarding its failure to honor a 0 % APR XXXX  month for purchases, promotional offer associated with my Citi XXXX XXXX credit card. 

I applied for this credit card after receiving and reviewing a promotional offer clearly stating 0 % APR on purchases for XXXX  months. I would not have applied for this card without that promotional term. I was approved, and the card was issued to me. 

However, after opening the account, I discovered that purchases were being assessed an APR of 12.99 %, rather than the advertised 0 % for XXXX  months. 

I immediately contacted Citibank to dispute the issue. I have contacted the bank multiple times regarding this matter. At the direction of a Citibank representative, I submitted proof of the original 0 % APR for XXXX  months promotional offer over XXXX month ago. Despite my compliance and repeated follow-up attempts, I have received no substantive response and no correction has been made to my account. 

Interest continues to be assessed contrary to the promotional terms under which I applied. This appears to be a failure to honor an advertised credit card promotional APR and raises concerns regarding misleading marketing and billing practices. 

I am requesting that Citibank : Apply the originally advertised 0 % APR on purchases for XXXX months to my account, retroactive to account opening. Also to extend the offer to XXXX months once they rectify the issue from the date they rectify the issue, since I have l already lost XXXX months with this card in my possession. 

Remove or credit any interest charges that were improperly assessed. 

Provide a written explanation of why the promotional terms were not applied as advertised. 

I have retained copies of the promotional offer and proof of submission to Citibank. 

I am seeking a prompt resolution and correction of 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
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I made a payment for the full statement balance on my card ( late Fall XXXX  ), which is my typical approach to bills every month. Wells Fargo did not process that payment. It had nothing to do with MY bank, which had plenty to cover it. Instead, it had to do with the fact that I ALSO asked for cash back to be applied to my bill that month. Then, because that cash back plus my payment would have caused the payment to Wells Fargo to be SLIGHTLY more than the bill due ( by the cashback amount! ), Wells Fargo rejected the payment I had sent. 

Sounds unbelievable right? Think that must be a mistake, right? Nope. I called. I explained. I escalated. And then I get a phone call and a letter that nothing will be done. Meaning, I got charged interest and fees for not having made a payment, when I in fact DID make the payment, they just didn't accept it. Then I got interest and fees on the interest and fees. Then it took them WEEKS to respond, only with more interest and fees on the interest and fees. All originating from a month where I sent a payment in full. 

EVERY OTHER CARD that I have that has cashback, will simply apply a requested cashback and if that happens to result in an overpayment ( due to someone simultaneously paying the statement balance ), that overpayment just sits there as a credit to apply to the next month. In fact, for a customer, the SAFE approach to ensuring a bill is paid in full, is always to assume the cash back might not apply in time, so just send the full payment, and the cash back can then post whenever it shows up. 

But, instead, Wells Fargo rejected a payment when their OWN cashback resulted in extra payment being received, and then turned around and charged customers late fees and interest. When I look at comments online, I am NOT the only one they have done this to. They owe me, and EVERY customer they have ever done this to, a refund of late fees and interest they imposed due to their rejection of payments submitted by their customers!

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