vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: CA

Complaint narrative:
I received an unsolicited offer to borrow a personal loan for {$2000.00}. I accepted the loan and was waiting for the terms to make a final decision. Within XXXX hours I received {$2000.00} into my XXXX XXXX Account, I tried to reach out to get the terms but could not get a hold of the company as everything was being done online. On XX/XX/XXXX, about XXXX  days after the money was deposited on my account a payment in the amount of {$170.00} was withdrawn from my XXXX account as payment. On XX/XX/XXXX another {$170.00} was once again withdawn from my account from XXXX. They sent an email receipt with the website to view my account ( finally ). I was shocked to find out that my APR was over 200 % XXXX Active - Active XX/XX/XXXX {$2000.00} {$4800.00} 224.0061 % XXXX {$2000.00} XXXX paid off the loan this morning but I want a refund of the XXXX payments that I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Name : XXXX XXXX XXXX. 
Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone : XXXX SSN ( last XXXX ) : XXXX XXXX XXXX is inaccurately reporting a timeshare obligation as a mortgage on my credit reports with Experian, Equifax, and TransUnion. 

This account is a timeshare/vacation interest and is not secured by real property. A timeshare does not qualify as a mortgage under the Fair Credit Reporting Act or Metro 2 reporting standards unless it is supported by a recorded lien, deed of trust, and identifiable real property collateral. 

Despite multiple disputes, the account continues to be verified and reported as a mortgage without any documentation demonstrating that real property secures the obligation. Neither XXXX nor the credit reporting agencies have provided a recorded lien, property address, or mortgage instrument supporting mortgage classification. 

Reporting a timeshare as a mortgage is materially inaccurate and constitutes a failure to ensure maximum possible accuracy under FCRA 1681e ( b ), as well as a failure to conduct a reasonable investigation under FCRA 1681s-2 ( b ). 

I am requesting that this account be deleted or immediately corrected to remove improper mortgage classification.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I purchased the new XXXX XXXX XXXX XXXXXXXX for my wife. She upgraded from the XXXX  XXXX. She was told to return her XXXX  XXXX and she would not be charged for her new upgraded phone ( XXXX  XXXX ). So she did so, she returned it via the return box XXXX  provided. A few days later XXXX XXXX sent an email to her stating the phone has been received and and everything was good. Then about a month later i was charged XXXX by XXXX  stating the phone was locked and has a serial number mismatch. But it is not locked and there is no mismatch on serial numbers. we followed all instructions on the email, we have proof it phone is not locked via email stating all instructions were followed. Now we are out XXXX for a phone we returned in a timely manner and unlocked. 

Where XXXX  is getting confused is back in XX/XX/year> my wife returned her newly purchased XXXX  XXXX due to her camera not working and XXXX replaced it with a new XXXX  XXXX at the time. So for some reason they are comparing the serial number of the old XXXX  XXXX ( the one with the broken camera ) and not the XXXX  XXXX that was sent to her to replace the broken one. 

The XXXX  XXXX we sent in to upgrade to the XXXX  XXXX was in great condition as well. no issues with it. we should have never been charged this. spectrum also states they cant retrn the phone to us. i asked to get the XXXX back and they can take back the XXXX i had nothing but issues with this upgrade. 

USAA CREDITED ME XXXX BUT THEN TOOK IT AWAY ON XXXX. NOT SURE WHY. THERE IS NO REASONING. AFTER ALL THE DOCUMENTATION I PROVIDED AND PROOF THAT XXXX  RECEIVED THE PHONE I SHOULD NOT BE CHARGED IN ANY WAY. USAA HAS BEEN AN ISSUE AS WELL. THEY NO LONGER PROVIDE CUSTOMER SERVICE, THEY NO LONGER PROVIDE AN EXPLANATION AS TO WHY THE CREDIT IS REVERSED.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Tel : XXXX Email : XXXX l Date : XX/XX/year> Experian - Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Incomplete Debt Validation To the Experian Dispute Department : XXXX, XXXX XXXX XXXX, am formally disputing a debt reported by XXXX  XXXX XXXX and currently handled by the law firm XXXX XXXX. 
As of today, XX/XX/year>, I am stating that the debt validation provided is incomplete. The documentation does not include a full payment history, proof of delivery of the furniture, or the original signed contract. 
I request that this account be reviewed and, if it can not be fully verified, that it be removed from my credit report. 
I have also attached the PDF document that was provided by XXXX XXXX, the collections firm currently handling the XXXX  XXXX XXXX debt, in response to my previous validation request. This is to demonstrate that the validation remains incomplete. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To National Credit Systems I am writing in response to the collection account you are reporting under my name. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt. Please provide the following : Proof that I am legally obligated to pay this debt The original creditors name and account number The amount and breakdown of the alleged balance Documentation bearing my signature Proof that your agency is authorized to collect this debt Until this information is provided, you must cease all collection activity and reporting. 

This is not an acknowledgment of liability. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Branch Messenger, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I tried to withdraw {$100.00} from my Uber Pro debit card at an XXXX ATM located at XXXX XXXX XXXX XXXX XXXX, IL XXXX inside of XXXX XXXX XXXX XXXX. The machine made clicking sounds as if trying to dispense my money but never dispensed my money. It also printed a receipt which I included with my dispute on XX/XX/XXXX with Uber. I contacted both Uber and XXXX. They both told me I needed to dispute it with each other. They sent me in circles. I disputed it with Uber. Uber sent message that my dispute was denied. I appealed the denial. It was denied again. I know XXXX has to keep accounting records or ATM logs when filling their machines with cash so this makes no sense. The gas station employees told me the machine has also not dispensed other customers cash. They can not just keep my {$100.00}. XXXX or XXXX XXXX  ( Uber debit card bank ) needs to issue my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Larry H. Miller Group of Companies
State: MD

Complaint narrative:
PRESTIGE FNL is falsely reporting on my credit. I have never had any accounts with them. Per my research PRESTIGE FNL 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
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: OH

Complaint narrative:
I am submitting this complaint due to FNBOs failure to respond to my written dispute and failure to provide an accurate accounting of my account balance. 
Following a confirmed fraud incident and unauthorized access to my account, FNBO issued XXXX check in the approximate amount of {$14000.00}, which I received. I did not receive any second check or additional funds. 
Despite this, FNBO is attempting to hold me responsible for an alleged balance of approximately {$28000.00}, which appears to be the result of a bank processing and accounting error ( double counting of credits ) following the fraud resolution. 
I have formally disputed this balance in writing via email, clearly stating that I received only XXXX check and requesting validation and documentation. FNBO has failed to respond to my written communications and has provided no documentation supporting the claimed amount. 
Secure messaging through my FNBO account is unavailable, leaving email as the only communication channel, which FNBO is ignoring. 
I am requesting that FNBO : Provide full documentation validating the alleged {$28000.00} balance Produce copies and proof of delivery for any checks allegedly issued Correct any accounting or processing errors related to the fraud claim Cease collection activity on any unvalidated or disputed amount FNBOs non-response and failure to address a disputed balance following fraud raises serious concerns regarding compliance with federal consumer protection requirements, including accurate accounting and fair handling of disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive disputed with Experian XXXX times they refused to provide me any information and keep doing an auto verification which we know is against the law. Im demanding immediate removal considering account status was sold and shows a zero balance but yet its still reporting negatively on my credit report. They will not provide me any information as far as account goes.

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 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive disputed with Experian XXXX times they refused to provide me any information and keep doing an auto verification which we know is against the law. Im demanding immediate removal considering account status was sold and shows a zero balance but yet its still reporting negatively on my credit report. They will not provide me any information as far as account goes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am submitting this complaint regarding Citi Banks handling of a disputed transaction and its failure to provide a provisional credit as required under Regulation E. 

I filed a dispute with Citi Bank on XX/XX/XXXX for XXXX regarding an order I received that did not meet expectations. At the time the dispute was opened, I was explicitly informed by a Citi Bank representative that I would receive a provisional credit within XXXX business days. 

After the XXXX-business-day period elapsed with no credit applied, I contacted Citi Bank again. At that time, I was told that I would need to wait XXXX business days for the provisional credit to be issued. 

When the XXXX-business-day period passed and no provisional credit had been applied, I contacted Citi Bank once more . During that conversation, I was informed that Citi Bank was not required to provide a provisional credit at all, and that credits are issued only if and when the bank determines they are necessary. 

This directly contradicts the prior representations made to me and appears inconsistent with Regulation E requirements. Under Regulation E, when a financial institution requires more than XXXX business days to investigate a disputed electronic fund transfer, it must generally provide a provisional credit for the amount in dispute while the investigation continues, provided the consumer has given timely notice and sufficient information. 

Over the course of more than a month, Citi Bank has provided inconsistent and misleading information, repeatedly changed its position regarding required timelines, and failed to issue a provisional credit or provide a clear, written explanation for its refusal. This has caused ongoing financial hardship and uncertainty. 

I believe Citi Banks conduct may constitute a violation of Regulation E, specifically regarding the obligation to provisionally credit disputed funds when an investigation exceeds XXXX business days.

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 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashable LLC
State: CA

Complaint narrative:
I borrowed a loan from this company that loans federal employees. I missed several payments during the government shut. I have since resumed payments and have been paying every XXXX weeks for the past month and a half. The company had a very incompetent person contact me and threaten to report me to the credit bureau. They also tried to tell me to increas my loan to make up the differenc of the missed payments. This company is fradulent and violating laws. You are not allowed to report someone to the credit bureaus that is paying you. 


THey sent me the following confirming they are receiving my payments : Hello! 

Great observation of your allotments! We are receiving them as of recent, but your account is still not up to date unfortunately. Kashable is still missing 4 allotments from you. Your loan first went past due on XX/XX/XXXX and you have not made a substantial enough payment to get your account completely current. 

The allotment received on XX/XX/XXXX applied to your back payment date of XX/XX/XXXX. You still owe XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When your allotment started back up, you never made any payment to get your loan current. You can increase your allotment to help decrease your delinquency faster if you can afford to do so. 

Please note that Kashable is obligated to report your account and payment history accurately to the credit bureaus. Late payments, missed payments, or other defaults on your loan may be reflected in your credit report. For credit reporting purposes, an account that is 30 or more days past due is reported as delinquent.

Best, Kashable

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist offered a promotional account bonus ( XXXX ) for opening a new account and completing specific qualifying deposit and balance requirements. 

I fully satisfied all published terms of this promotion within the stated timeframe. Truist has failed to issue the bonus and has not provided any valid explanation identifying a requirement that was not met. 

This appears to be a failure to honor a contractual promotional inducement. I am requesting immediate payment of the promotional bonus I earned. 

They said my balance was {$0.00} when the promotion requirements were met. I met them on XX/XX/year> and the balance was {$1000.00}. Then the lady replied that it was affected by bank holidays. It was not and that was not in the terms.

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 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: DC

Complaint narrative:
This notice serves as a formal complaint and legal grievance against Nelnet , Inc. and XXXX regarding systematic mismanagement of my borrower 's information, the companys failure to safeguard data, and failure to notify me as the borrower has caused emotional harm to myself. This complaint describes a widespread and repeated practice affecting student loan borrowers. These failures constitute breach of fiduciary duties, and unfair and deceptive acts, and violations of the federal consumer protection laws. Despite contacting the company when in operation, my outreach received no response. The company did not provide guidance on next steps. The company failed to properly transfer and notify borrower of the transfer to XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK

Complaint narrative:
I am submitting this complaint against Discover Card regarding my inability to access my account and make required payments.

I am currently not located in the United States. At this time, I am completely unable to log in to my Discover account, both through the mobile application and the Discover website. I consistently encounter the same access issue on all platforms, which prevents me from viewing my account details or submitting any payments.

Despite this access restriction, I continue to receive multiple payment-related emails from Discover requesting that I make a payment. I am willing and attempting to fulfill my payment obligations ; however, Discover has not provided any functional method for me to do so.

I have previously contacted Discover via email regarding this issue, but I did not receive any response to at least one of my messages. Due to the lack of account access and the absence of an alternative payment option, I am concerned about potential late fees or negative credit reporting for a situation that is beyond my control. 

I have attached screenshots demonstrating the access errors I receive on both the mobile application and the website. 

I respectfully request that Discover : * Restore my access to my account, or * Provide an immediate alternative method to submit payments, and * Ensure that no late fees or negative credit reporting occur as a result of this access issue. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: CA

Complaint narrative:
Hello, I am filing a complaint against Citibank , N.A . for improperly denying my Fair Credit Billing Act ( FCBA ) dispute and reversing my provisional credit based on incorrect and contradictory merchant evidence. 

This dispute involves an XXXX reservation ( confirmation code XXXX ) for a stay on XXXX XXXX XXXX  The reservation was booked, modified, and canceled within XXXX hours for a trip more than XXXX months away. XXXX applied a cancellation penalty of {$450.00}. 

Citi denied my dispute after relying on a XXXX cancellation policy supplied by XXXX. However, XXXX own system currently shows a materially different cancellation policy attached to this exact reservation, allowing partial refunds until XX/XX/year> XXXX days before check-in. XXXX also changed the full-refund window from XXXX hours to XXXX hours after booking, creating multiple conflicting policy versions. 

Because the merchants documentation is contradictory and XXXX failed to preserve a single, fixed set of terms, Citi could not legally enforce the stricter version. Under the FCBA, contradictory merchant evidence and misleading disclosure constitute a billing error that must be resolved in favor of the consumer. 

Despite receiving documentation showing these inconsistencies, Citi closed the dispute and reversed my provisional credit. 

Citibank violated my rights under the Fair Credit Billing Act by : Enforcing a cancellation policy that XXXX itself no longer attaches to the reservation Accepting contradictory merchant documentation without reconciliation Ignoring misleading and ambiguous cancellation disclosures Closing the dispute despite clear evidence of misrepresentation The cancellation terms were not reliably disclosed, not preserved, and not consistently applied.

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