vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I am a resident of New Jersey. I am filing this complaint against XXXX  ( servicer ) and XXXX XXXX XXXX  ( lender ) regarding a 'rent-a-bank ' scheme designed to evade New Jerseys consumer protection and usury laws. 
Key Issues : Illegal Interest Rates : The annual percentage rate ( APR ) and monthly 'Statement Balance Fees ' on my line of credit far exceed New Jerseys 30 % criminal usury limit for non-corporate borrowers ( N.J.S.A. 2C:21-19 ). 
Disguised Fees : The company uses 'Statement Balance Fees ' to hide what is effectively an illegal interest rate. These fees are tied to my outstanding balance, making them a de facto interest charge under NJ law. 
True Lender Doctrine : While XXXX XXXX XXXX  ( chartered in Utah ) is listed as the lender, XXXX  is the 'True Lender ' because they market, service, and hold the primary economic risk of the loan. This arrangement is an attempt to 'export " Utah 's lack of interest rate caps into New Jersey . 
I have already filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) and have formally rebutted the company 's claim that Utah law applies to me as a New Jersey resident. 
Desired Resolution : I request that the company cap all interest and fees at the legal NJ limit of 30 %, refund all overcharged amounts, and correct my account balance to reflect New Jersey law. 

The Financial Proof : My account statements show that the 'Statement Balance Fees ' function as high-interest charges that far exceed New Jersey 's 30 % APR cap : XXXX Total Year-To-Date Fees : {$1000.00} charged in just a few months. 
XXXX Fees ( as of XX/XX/XXXX ) : {$320.00} already charged in the first two weeks of the year. 
Bi-Weekly Rate : Every two weeks, I am charged a {$160.00} 'Statement Balance Fee ' on a balance of approximately {$3300.00}. 
The Math : This {$160.00} fee every 14 days equals an effective annual rate of over 125 % APRmore than 4 times the legal criminal limit in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PDQ Services, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint against PDQ Services Inc. regarding a collection account reported as Account XXXX XXXX for {$830.00}, with the alleged original creditor listed as XXXX XXXX XXXX Specialists. This account appeared on my credit report without any prior written notice being sent to me. I was never provided an initial notice explaining the debt, my right to dispute it, or who PDQ Services was before this account was placed on my credit report. That failure alone is a direct violation of FDCPA 1692g ( a ) and deprived me of my legal right to dispute the account before it caused damage to my credit. 
After discovering the collection, I requested debt validation well over 60 days ago. Despite this request, PDQ Services has continued to report this account without providing proper validation. To date, I have not received documentation showing that this debt is accurate, legally owed, or that PDQ Services has the authority to collect or report it. No itemized billing statements were provided, no explanation of services rendered, no dates of service, no proof of insurance billing or adjustments, no proof of assignment or authorization to collect on behalf of the original provider, and no evidence that any required notice was ever sent to me. Simply listing a balance and a medical provider name does not meet validation requirements. 
Because this is a medical collection, PDQ Services is also required to ensure heightened accuracy and compliance. Continuing to report a medical debt without documentation violates FCRA 1681e ( b ) ( maximum possible accuracy ), FCRA 1681s-2 ( b ) ( failure to conduct a reasonable investigation after dispute ), and XXXX XXXX reporting standards, which require complete, consistent, and verifiable data. Reporting unverified medical collections is especially harmful and improper.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint regarding Bank of Americas violation of the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. 

On XX/XX/XXXX, I sent Bank of America a formal written Billing Error Dispute under the FCBA concerning improper late fees, penalty interest, and inaccurate delinquency reporting caused by the banks AutoPay processing failure. The dispute was sent via USPS Certified Mail to Bank of Americas designated billing inquiries address. 

USPS tracking confirms the dispute was delivered and made available at Bank of Americas XXXX XXXX XXXX XXXX, TX on XX/XX/XXXXXXXX  at XXXXXXXX XXXX 

Under 15 U.S.C. 1666 ( a ) ( 3 ), Bank of America was required to acknowledge receipt of this billing error dispute within 30 days. As of XX/XX/XXXX, no acknowledgment or response of any kind has been provided. 

This constitutes a clear procedural violation of the FCBA, independent of the merits of the underlying billing error.

I request CFPB review and intervention regarding Bank of Americas failure to comply with its statutory obligations, and appropriate corrective and remedial action. 

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 monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
The problem is with Current, current is the bank i am using and i reported a transaction of {$440.00} that was made not by me but someone else used my card on XXXX. i contacted current to re make a fraud claim. not a dispute. i have a police report which is new evidence and they keep telling me they can not dispute it and such and such. i have took screenshots and the {$440.00} charge was made on XX/XX/XXXX XXXX i need help please make current help me. i need my stuff bsck

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request regulatory review of Cash Apps handling of my disputed transaction involving the merchant Splitty.com. Cash App denied both my initial dispute and my subsequent appeal despite clear evidence that the merchant failed to provide the service I paid for and relied on incorrect and misleading documentation in its determination. 
On [ DATE ], I booked a hotel reservation through XXXX and was charged approximately {$500.00}. After completing the booking, I contacted the hotel directly to confirm my reservation. The hotel informed me that no reservation existed under my name or under any confirmation number provided by XXXX. The hotel confirmed that XXXX never transmitted a valid reservation to them.

Because I had no confirmed room and needed immediate accommodations, I booked the same hotel independently through a different booking platform, XXXX. Immediately after booking through XXXX, the hotel confirmed my reservation and issued a valid hotel confirmation number, which remains the only legitimate confirmation number associated with my stay.

Critically, XXXX has since attempted to justify their charge by repeatedly
providing the XXXX-issued hotel confirmation number, not a confirmation number generated from XXXX own system. This is not only improper but demonstrates that XXXX did not secure or transmit a reservation on my behalf. If XXXX had legitimately completed the booking, there would be two distinct confirmation numbers one from XXXX and one from XXXX. Instead, only one exists, and it belongs solely to XXXX. 
Despite this, Cash App denied my dispute and appeal, appearing to accept XXXX improper use of a third-party confirmation number as evidence of service rendered. This constitutes a failure to conduct a reasonable investigation and an improper reliance on inaccurate merchant documentation. I paid XXXX for a service that was never delivered, and I was forced to rebook and pay again to secure lodging.

I am requesting CFPB assistance because Cash App has refused to correct this error despite clear proof that : XXXX failed to provide the hotel reservation I
paid for The hotel confirmed no reservation existed from XXXX XXXX improperly relied on a confirmation number issued by a different company ( XXXX  ) Cash App failed to independently verify the legitimacy of the merchants claim I am requesting that Cash App be required to reevaluate this dispute under applicable consumer protection standards and that I be refunded the full amount of the XXXX transaction. 
Thank you for your time and attention to this matter. I am prepared to provide supporting documentation, including hotel correspondence, booking confirmations, and transaction records, upon request. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( {$500.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> XXXX delivered a package to the mailroom in my building, but when I went down to the mailroom the package was gone. I tried to locate the customer service number for XXXX on the website but to no avail. I then XXXX  the number for XXXX which turned out to be a spoof. After speaking to a few people, I wound up talking to a Federal Agent who convinced me that my XXXX account was being used in different countries and that I had to secure my savings account in a U.S. Treasury account. He sent me very convincing XXXX  files ensuring me that my money would be safe there ( {$45000.00} ). I went to the bank and wired the money to XXXX. Early the next morning I called my local police precinct and the detective said I was scammed. I went to the bank that morning and they said I only had one hour to retrieve the money. After doing some research and talking to people who work in other banks I was told that money transfer could have been stopped. That morning, when I went back with my son, the bank agent was completely uninterested in my problem. He had a terrible habit os spinning in his chair and when he connected us to the fraud department, believe it or not, he fell asleep in his chair. My son was so sorry he didnt take a picture of him.

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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
My name is XXXX XXXX. I am filing this complaint regarding the wrongful continuation of a vehicle repossession after I paid the full reinstatement amount on my auto loan. 

After my payment was made, Bridgecrest stated that my vehicle was already in transport to an auction facility in XXXX, North Carolina. However, the auction facility, XXXX XXXX, confirmed that my vehicle did not physically arrive until approximately XXXX XXXX the following morning, despite the location being only 23 hours away. This indicates that my vehicle was moved after my reinstatement payment posted.

Bridgecrest has refused to provide any documentation related to this matter, including a release order, transport authorization, or chain-of-custody records, stating that these documents are internal and not required to be shared.
Bridgecrest also refused to escalate the matter beyond Customer Relations, claiming there is no higher level available.

Additionally, Bridgecrest has refused to assist with transporting the vehicle to a reasonably accessible pickup location, despite the vehicle being moved after reinstatement without my authorization.

I have lawfully recorded calls in which Bridgecrest representatives acknowledged these refusals and provided conflicting information regarding the timing and authorization of my vehicles transport. 

Requested Resolution : Immediate release of my vehicle Transport of the vehicle at Bridgecrests expense to a reasonably accessible pickup location Written documentation confirming reinstatement, release authorization, and post-payment vehicle movement Full reversal of all repossession-related fees, towing fees, storage fees, auction fees, and any other charges associated with the wrongful repossession and unauthorized transport Reimbursement for any out-of-pocket expenses incurred if I am required to travel to retrieve my vehicle, including mileage, fuel, lodging if necessary, transportation costs, and lost wages or time off work Bridgecrests actions appear to constitute wrongful repossession, failure to maintain proper records, refusal to mitigate damages, and bad-faith servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
As the Executor of the estate, I am reporting a pattern of systematic violations of 12 CFR 1024.17 by Rocket Mortgage, characterized by three consecutive failed escrow analyses.

1. The Initial Failure : The servicer 's very first escrow analysis was grossly inaccurate, failing to account for the actual tax liabilities of the XXXXXXXX XXXX XXXXXXXX. This initial error set a foundation of accounting instability for the estate. 

2. The Second Analysis ( The 60-Month Agreement ) : A second analysis acknowledged a massive shortage, resulting in the current 60-month repayment plan for an {$18000.00} deficit ( linked to a {$17000.00} disbursement on XX/XX/year> ). I have been making these payments faithfully. 

3. The Current Illegal Stacking : Despite the 60-month plan remaining " intact, '' the servicer has issued a third analysis demanding a new {$22000.00} shortage. This is a mathematical impossibility. The servicer disbursed only {$5500.00} in XX/XX/year>, yet is demanding {$22000.00}, effectively " stacking '' previous debt already covered by the 60-month plan.

Payment Shock & Protest : This string of errors has caused a 50 % payment shock ( from {$1500.00} to $ 2,250+ ). I am paying the XX/XX/XXXX amount " Under Protest '' and demand a manual, comprehensive audit of all three analyses to remove the " ghost debt. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: Chime Financial Inc
State: MI

Complaint narrative:
I am submitting this complaint regarding an unauthorized withdrawal of {$2000.00} from my checking account, which I believe occurred as a result of my account being compromised. 
On or about XX/XX/year>, I discovered an unauthorized transaction in the amount of {$2000.00} posted to my checking account. I did not authorize, initiate, or benefit from this transaction in any way. At no point did I provide my debit card information, online banking credentials, PIN, or any other sensitive account details to any third party that would permit this withdrawal. 
Prior to this incident, my account was in good standing and had not shown any suspicious activity. Upon noticing the unauthorized charge, I immediately contacted Chime Banking to report the fraud and took steps to secure my account, including changing my login credentials and requesting further protections. Despite promptly reporting the issue, I have experienced difficulty obtaining a satisfactory resolution. 
This unauthorized transaction caused a significant financial hardship, as {$2000.00} is a substantial portion of my available funds. The withdrawal occurred without my consent and appears consistent with fraudulent activity, indicating that my account security was compromised.

Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, consumers are protected against unauthorized electronic fund transfers when they are reported in a timely manner. I reported this transaction as soon as I became aware of it and fully cooperated with the financial institutions investigation. However, the funds have not been properly restored, or the dispute has been denied without sufficient explanation or evidence showing that the transaction was authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: Credit Karma, LLC
State: TX

Complaint narrative:
I put in a fraud case on XX/XX/year> about a fraudulent transaction after my account was locked then after speaking with a sup she informed me that there was account that was connected to mines which i never knew took XXXX out of my account along with my XXXX transaction she stated that she would put in a ticket that never got submitted then after a MONTH i had to call agian and they had to put in another ticket XXXX then today i grt an email saying they just closed my account after taking another XXXX today i would like to get that money back or i will be consulting a lawyer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 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: Chime Financial Inc
State: MI

Complaint narrative:
Chime notified me in-app that a {$410.00} XXXX transaction was removed and funds were added back to my balance. No corresponding credit ever posted in my transaction history. 

The transaction later remained settled, and my account went negative after I relied on Chimes notification that funds were returned. Chime refuses to issue provisional credit or provide a complete authorization ledger showing where the credited funds were made available. 

I am requesting ledger correction or provisional credit under Regulation E, as well as written documentation supporting Chimes position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
CFPB Complaint Text CFPB Complaint Text ( CopyPaste Ready ) Use this verbatim in the CFPB portal. 

This is not an email, so no writing block. 


Product : Checking / Savings Issue : Unauthorized transactions/ electronic fund transfers Company : Navy Federal Credit Union Complaint Description : Navy Federal Credit Union denied reimbursement and failed to issue provisional credit for unauthorized electronic fund transfers in violation of Regulation E ( 12 CFR 1005 ). 


On XX/XX/year>, unauthorized transactions occurred on my account, including an internal peer-to-peer transfer and XXXX XXXX transactions. I did not authorize, initiate, approve, or benefit from these transfers and denied authorization immediately upon awareness.

Navy Federal stated there was no evidence of fraud, which is not the legal standard under Regulation E. The correct standard is whether the consumer authorized the transactions. I did not.

Additionally, Navy Federal failed to issue provisional credit within the required timeframe while the investigation remained unresolved. 
I am requesting compliance with Regulation E, reimbursement of the unauthorized transfers, and corrective action. 


What resolution are you seeking? 

{$210.00} returned by Reversal of unauthorized transactions, issuance of provisional or permanent credit, and written confirmation of compliance with Regulation E.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I was enrolled at XXXX XXXX last semester in 2024, but I withdrew for valid medical reasons and personal hardships. Despite this, the university processed a loan on my behalf without my consent, and I never received any money from it.

Now, Nelnet is demanding repayment for this loan, which is completely
unacceptable. This situation is fraudulent because the university retained funds after I submitted my medical withdrawal in a timely manner.

They should not have accepted any money after my withdrawal, yet they kept it and are now unjustly pursuing me for repayment. I will not stand for this. So that's fraud because they kept the money when I was no longer in school, and I did a medical withdrawal in a timely fashion, so they shouldn't accept any money yet, so they kept the money, and now they're coming after me for this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: AL

Complaint narrative:
VANCEHUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCEHUFFMAN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation