vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding a disputed XXXX account that was ultimately referred to collections despite prior executive escalation, documented return of devices, and written assurances that the matter would be addressed. This matter was originally escalated through an FCC complaint, at which time XXXX Executive Response became involved. I was assigned to work with XXXX XXXX, XXXX. Specialist, Executive Response, at XXXX. During the course of those communications, I provided information regarding disputed charges, unauthorized account activity, returned devices, and billing concerns. XXXX provided shipping labels for the return of devices, and I returned the devices as instructed in XX/XX/XXXX. I have retained the tracking information and documentation confirming shipment and return. I also have written email correspondence reflecting communications with XXXX Executive Response regarding the account and the disputed balance. On XX/XX/XXXX, I received a Final Notice from XXXX stating that a balance of approximately {$1100.00} remained on the account and that the account could be referred to collections. After receiving that notice, I again contacted Executive Response and continued attempting to resolve the dispute directly with XXXX . I have emails showing that Executive Response acknowledged the matter and represented that the issue would be reviewed and addressed. Despite these ongoing communications and the active dispute regarding the account, I later received a debt collection notice from Diversified Adjustment Service dated XX/XX/XXXX, seeking collection of the disputed balance. I dispute the validity and amount of this debt. I also dispute charges related to devices that were returned using XXXX-provided shipping labels, as well as charges associated with account activity that I previously disputed through XXXX and the FCC complaint process. I am prepared to provide supporting documentation, including : * FCC complaint records * Executive Response email correspondence * Tracking information and proof of returned devices * Billing notices * Collection notices * Additional written communications relevant to the dispute I am requesting a formal investigation into the handling of this account, the referral of the disputed balance to collections while the matter remained under executive review, and any resulting credit reporting or collection activity connected to the disputed charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I have communicated with the company multiple times, requesting a clear and itemized explanation of the amount alleged to be owed. I was provided with a copy of the original lease agreement and never the full validation and itemization of the claim. The official website of the Consumer Financial Protection Bureau FAQs ask the question- What information is required to be in the validation notice from a debt collector about my debt? The XXXX item that is required says An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date. This was clearly missing and requested multiple times. On XX/XX/year> I was forced to make a formal request via certified mail for purposes of documentation. After waiting the recommended month for a response and hearing nothing I am left with no choice but to escalate the dispute with this complaint to the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The bank deducted {$600.00} from my account. I called, and they informed me that the withdrawal was related to a XXXX payment I received on XX/XX/XXXX of this year ( XXXX ). They are making this claim four months later, even though the other person sent me that amount back in XXXX for the sale of a cell phone ; now, that person is reporting the transaction as fraudulent in an attempt to keep both the money and the phone I sold them.

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 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
In XXXX, I paid the final payment for my student loan, paying the balance in full. Mohela later reported that I overpaid and submitted a refund in the amount over paid. I was told it would take time before I received the pay off letter. Soon after I relocated and had difficulty obtaining forwarded mail, but never thought there was an issue with my student loan. In late XXXX I reviewed my credit report to find Mohela was reporting a balance was owed in the amount of {$480.00} in student loan debt. I contacted Mohela several times and was told they had the pay off letter on file and that the matter would be escalated to the resolution department. I was told it would be XXXX weeks before this would be resolved. I phoned again and was given the same information again ... and again. To date there has been no resolution to this matter. I am seeking assistance with obtaining my pay off letter and to have accurate information reported to all three credit bureaus XXXX XXXX XXXX and XXXX ). I would appreciate any assistance you can offer with resolving this matter. Thank you in advance.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: MI

Complaint narrative:
I dispute this medical collection account as inaccurate and request immediate removal from my credit report. The collection agency claims the debt is from a hospital with a date of service being XX/XX/year>, but the hospital could not properly verify or provide records confirming I owe this balance. I had active XXXX coverage at the time of service, and any billing or insurance processing failure is not my responsibility. Because the debt can not be properly validated and its reporting accuracy is in question, I request a full investigation and deletion under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: TN

Complaint narrative:
RE : Formal CFPB Complaint Against Bank of America , N.A . Failure to Process Valid XXXX Chargeback Under Reason Code XXXX Illegal Denial Using Wrong Legal Standard Account Ending XXXX {$27000.00} Merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUMMARY Bank of America denied Claim No. XXXX stating the 'charge was authorized by you ' a standard legally inapplicable to Reason Code XXXX where authorization is not a defense. Bank of America has failed to process a valid chargeback under the correct legal standard. XXXX XXXX XXXX was publicly enforcement-actioned by the Tennessee AG in XX/XX/XXXX. XXXX XXXX publicly admitted XX/XX/XXXX it was exiting Tennessee due to 'the current regulatory landscape. ' Bank of America processed {$27000.00} to this operator XX/XX/XXXX XX/XX/XXXX entirely after the AG enforcement period while collecting international assessment fees on XXXX charges confirming awareness of the international transaction nature. A XXXX whistleblower tip was submitted XX/XX/XXXX identifying Bank of America as a respondent for XXXX compliance failures.

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 2026-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC
State: KS

Complaint narrative:
Hello, Contact XXXX XXXX regarding a matter with XXXX XXXX XXXX XXXX XXXX account from CREDITNINJA LENDING LLC. XXXX is a collection agency. Visit : XXXX XXXX XXXX Reference Number : XXXX Call : XXXX Started XX/XX/XXXX and is still ongoing.

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 2026-05-18 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: Experian Information Solutions Inc.
State: FL

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 explanation
Consumer complaint received 2026-05-18 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: FL

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 explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I contacted Jefferson capital system about a mobile debt and they said they cant locate that debt under my name and social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Ive been a continuing Chase customer, my account remains open, and this XX/XX/XXXX delinquency is isolated. My records show substantial payments around the period in question, and my XX/XX/XXXX statement reflects Past Due Amount : {$0.00}. I respectfully request a manual review of the XX/XX/XXXX reporting and consideration of a goodwill adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
I received a final paper check when I lost my job from XXXX XXXX XXXX. This was on XX/XX/XXXX. They refuse to give me a reason why. They tell me this is standard. This is not standard. They tell me that the federal reserve placed this hold. I should be able able to have my fund for a XXXX check from an employer. I asked if they verified funds from the other bank they wont tell me they wont tell me why the check is on hold. Im XXXX. I been banking since I was XXXX. This is not common or appropriate. They told me to over draft my bank to use my money. Absolutely not. Then the supervisor said that should not have been advised. Then they said my hold was because my bank account didnt have enough money in it. So you want me to over draft my account when youre holding my check due to not having enough money. Mind you I have NEVER had an over draft charge. XXXX supervisor XXXX XXXX number.

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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I am writing to formally express my concern regarding my loan funds, which I still have not received despite the loan being approved and an escalation request being submitted on XX/XX/year>. Since the escalation was opened, I have repeatedly contacted customer service seeking an update and a clear timeline for resolution. Unfortunately, I continue to receive the same response that it can take several days, without any meaningful explanation, estimated timeframe, or progress update regarding my funds. At this point, it has been an unreasonable delay, especially considering that my first loan payment is already scheduled for XX/XX/year>, yet the loan proceeds themselves have still not been disbursed to me. It is extremely concerning and unfair to be expected to begin repayment on funds that I have not even received. I am requesting : * An immediate update regarding the status of my loan disbursement * A specific and accurate timeline for when the funds will be released * Clarification as to why this delay has occurred * Confirmation that my account will not be negatively impacted due to delays caused by Avant I have called everyday since the escalation and I am always told. There is no update. I will escalate it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: TX

Complaint narrative:
XX/XX/year> someone is trying to hacked my account my checking bank account with upgrade inc banking I had {$2400.00} in my balance the bank suspect unusual activity since the XX/XX/year> they suspended my account I have been email them an calling them since the XX/XX/year> they kept saying they are investigating the account since XX/XX/year> I needed my money for bills its been 7 months its ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: LA

Complaint narrative:
On XX/XX/XXXX XXXX unauthorized transactions was approved for the amount of {$68.00} at XXXXXXXX XXXX XXXX, and an online casino game I do not like the casino at all so much stuff they've done they used my chime debit card which is the transactions I'm contacting you today about they used my XXXX XXXXXXXX credit card which already got disputed and approved they used my social security and state identification card to fill out credit card applications and got denied for a few but XXXX went through none of it was me on XX/XX/XXXX I disputed the transactions and on XX/XX/XXXX my wallet was stolen by someone I know while giving them a ride and I didn't realize it until XX/XX/XXXX at XXXX in the morning because they messaged me antagonizing me about it and pretty much throwing it in my face that they jacked me and was making transactions with my chime card the dispute was denied yesterday on XX/XX/XXXX at approximately XXXX PM they also made XXXX transactions with my credit card and I've already disputed those and got approved for a refund I would like the same thing to happen please help me get a decision in my favor please and thank you have a great day. Sincerely XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I asked chase to talk to manger as the agent handling my dispute didnt seem to understand English as result of which they dont have proper documentatio. They submitted documents without me talking to manager. I was my XXXX billing dispute made a permanent credit else I am going to New York Times

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Ria Envia, LLC
State: NY

Complaint narrative:
Please refer the earlier complain no. XXXX about the refund of my money either Ria or destination bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Ria should refund my money. Ria complaints department is not acting on time and coordinating with the destination banks despite of my followup with them since XXXX months. I want my refunds from either Ria refunds department or destination banks. As the money is transferred from Ria, its the responsibility of the Ria to collect my refund from above banks by coordinating with local Ria management in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am disputing the bankruptcy showing on my credit report because it is not mine. I have never filed for bankruptcy, and I believe it was reported in error. Under the Fair Credit Reporting Act ( FCRA ) Sections XXXX and XXXX ( b ), credit bureaus must make sure all information is accurate and remove anything that cant be verified. Bankruptcy - XXXX - XXXX Bankruptcy Court Incorrect DOB - XXXX - PLEASE DELETE THIS ASAP!

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 2026-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: NM

Complaint narrative:
I went under contract on a property with an assumable VA loan on XX/XX/year>. On XX/XX/XXXX, call attempts and an email were made to the mortgage department of XXXX, the lender to begin the assumption request. The lender did not cooperate until XX/XX/XXXX when the lender agreed to mail the assumption packet. The packet was received and digitized by the seller 's agent on XX/XX/XXXX. The buyer completed and returned the assumption packet to the lender on XX/XX/XXXX. The lender reviewed the packet and requested additional information which was acknowledged as received in entirety by the lender on XX/XX/XXXX. Since XX/XX/XXXX, the lender has slowly requested petty additional information from the buyers over the course of several weeks. When queried about the status, the lender has simply stated the application is in a queue. On XX/XX/XXXX, Lakeview Loan Servicing took over processing of the loan. The representative from Lakeview engaged in some email updates and requested further financial documents from the buyers. On XX/XX/XXXX, the Lakeview Loan Servicing representative sent an update email to all parties ( revealing all email addresses in the recipients line ) stating that all needed documents were in receipt and the application was officially in the underwriting stage going through initial review. In all emails, the company is adamant that they can not guarantee closing dates or timeline estimates. This is in clear violation of federal regulations and VA circulars that require a 45-day underwriting decision once the entire application is received. I have reached out to the VA Regional Loan Center. They confirmed they have communicated with the lender, but recommended I submit a CFPB complaint against the lender for their non-compliance on processing the mortgage assumption for the VA-assumable loan.

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