vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX when I was at work ( I offered to give security footage showing me signing into work and leaving working, but they didn't ask for it ). I provided the sign in and sign out sheet. They accepted that, however still denied my request to give me XXXX back stating that the physical card was present, the chip was read and the correct pin number was verified. Also, no signs of suspicious or decline activity ( but there were XXXX declines of XXXX AFTER the XXXX was released ). On XX/XX/XXXX my claim was denied and not seen as fraud. I escalated to XXXX XXXX which process Credit Karma banking and they escalated back to Credit Karma ( this is when I supplied my work sign in and out sheet ). On XX/XX/XXXX, I was again denied for the reasons stated above. It was definitely fraud because it wasn't me! They denied me with out obtaining the footage or requesting a police report ( of course, because it appears to have been me ). They never requested the footage of myself while at work ( signing in and signing out ). I would like a deeper investigation because I am pretty sure I am not the only one this has happened to. The dispute ID- XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony cashed my unneeded check # XXXXfor {$720.00} on XXXX which was for the first XXXX interest XXXX XXXX XXXX account. I returned all of the XXXX XXXX defective bed parts, so no payment was due. Synchrony Bank has 1 star XXXX Reviews as many others say they cheat people and are criminals.

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 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: CT

Complaint narrative:
Dear [ Recipient Name ], I am writing to formally lodge a complaint against XXXX XXXX regarding the unfair treatment and processing of my loan modification applications. My initial attempt to modify my loan was met with repeated rejections of notarized documents, despite my efforts to comply with customer service guidance. Although I was assured by your representatives that I had sufficient time to submit the paperwork, the modification was closed a week early. My request for a review was subsequently denied due to this timing discrepancy. I recently reapplied for a second modification, which was approved. During this period, my home was placed into foreclosure. I was explicitly told by your staff that the foreclosure would be reversed and that no further action was required on my part. However, on XX/XX/XXXX, I was informed that the modification was reversed and denied, and foreclosure proceedings have resumed. It is deeply concerning that multiple customer service representatives provided me with conflicting or inaccurate information over several months. I have significant equity in my home, which is located in XXXX. As a XXXX XXXX living in a predominantly minority area, I feel I am being discriminated against and targeted because of my race and the value of my property. I request a thorough review of my file, including all recorded phone calls and the notes provided in the attached document. I look forward to your immediate attention to this matter. Sincerely, XXXX XXXX XXXX Loan # 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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weber & Olcese, PLC
State: GA

Complaint narrative:
Date Name XXXX Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation, complete chain of assignment and transfer. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of XXXX days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
The AAdvantage switched ownership from XXXX to Citi Bank. My first bill from Citi was triple my usual bill. About {$53.00} of that higher amount was past due. This was because my billing date occurred during the transfer period between XXXX and Citi when I did not have easy access to my account. Citi never sent me an email about this past due, but when I realized I was past due I paid that. The remaining approximately {$93.00} is double my usual {$45.00} or {$50.00} payment. The customer service representatives continually gave me contradictory or false information about where that {$93.00} came from - saying it was some sort of fee or because of my increase spending that month. My statement shows that there is no late fee on my account and I only spent {$200.00} or so on that card during that statement period - adding {$200.00} to my balance of over {$2500.00} should not double my bill. So I was very confused on where that {$93.00} came from. The statement also did not show how they got to {$93.00}. On the first and second page it notes that there is about {$66.00} worth of interest and that there were no fees. After calling Citi multiple times, I learned that Citis minimum card payments are 1 % of the total balance plus all interest during that period. ( I have a balance around {$2800.00}, so {$28.00} + XXXX ( the interest for this month ) = XXXX ). I have never heard of a policy like this for all my other credit cards, so this was surprising. This 1 % of balance rule is also not on the statement whatsoever. I did not know that this is how they calculate minimum payment and I do not recall being informed about this unique way of calculating minimum payments. Also on the calls with Citi reps, they said after I pay this months charge that the monthly minimum payments will go back to the normal amount, but that is not true because of this 1 % rule. I went from paying {$45.00} a month to {$90.00} or more a month and I expect the payment will stay high because of the interest charged on the account each month. According to the statement, it would take me 14 years of paying minimum payments to clear my balance. The heart of my complaint is that Citi was not transparent about how the minimum payment is calculated. The secondary issue is the misinformation given by call representatives.

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 2026-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I am filing this complaint against MOHELA due to ongoing systemic billing and accounting errors that have resulted in three unaddressed overpayments on my account. My XXXX XXXX XXXX ( XXXX ) dashboard officially reflects that I have achieved 120 qualifying payments for Public Service Loan Forgiveness ( PSLF ) and displays the green verification badge. My account with MOHELA is currently placed in a temporary forbearance with a {$0.00} balance due while awaiting final discharge. However, prior to reaching this 120-payment marker on my dashboard, I was forced to overpay due to servicer errors. Specifically, during MOHELAs online platform transition in XXXX ( specifically XXXX and XX/XX/XXXX ), I remained in active repayment during the administrative forbearance period that they forced me into. MOHELAs website and call center representatives explicitly stated at the time that these payments would count toward PSLF. I made two months of payments during this time that are not counted in my official XXXX tracking count. Furthermore, there is a clear data sync error where XXXX completely skipped an active payment month that is explicitly documented on my MOHELA ledger ( XX/XX/XXXX ). I have had a formal complaint regarding the administrative forbearance issue sitting open and completely unaddressed in the XXXX Feedback Center for nearly 12 months under Case # XXXX, with zero movement or resolution. Because the standard complaint queues have failed, I am utilizing the CFPB to force an escalation. Because my final discharge is imminent, I am deeply concerned that MOHELA and XXXX will close my account and erase my access to my online portal without auditing these errors. I respectfully request that a high-level compliance specialist manually audit my transition payment ledger, correct the data sync gap, backdate my true Forgiveness Date by three months, and issue a full refund check via the U.S. Treasury for the three months of overpayments I was forced to make.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I opened a XXXX XXXX checking account during the promotional period ( XX/XX/XXXX ) where I had to make {$7500.00} direct deposit in 90 days and then within 60 days of the qualifying activity I would receive {$350.00}. Multiple times the reps confirmed that I made all the qualifying activities and that its a mystery as to why the {$350.00} has not shown up on my account. I have been passed around from call center to branch and secure messages and all passing the buck to each other and no one knows why I have not received the {$350.00} despite meeting all the requirements. Very frustrated with the bank and having spent hrs on the calls

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 2026-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: CA

Complaint narrative:
In early XX/XX/XXXX, I canceled my XXXX wireless service through the official XXXX app after switching carriers. On XX/XX/XXXX, I received a survey about my app experience, but no cancellation confirmation. When I attempted to log back into the app, I no longer had access to my account. I assumed the cancellation had processed correctly. In XX/XX/XXXX, I received a collection call stating I owed a balance. I was surprised because I believed my account was closed. The representative persuaded me to make a {$75.00} payment to stop collection attempts and advised me to contact XXXX. When I called XXXX, I could not verify my identity because I no longer had access to the app to reset my PIN. I was told to visit a store. In early XX/XX/XXXX, I went to a XXXX store and requested my final bill. The bill showed charges for XXXX, XXXX, and part of XXXX for a fourth line that was never activated, never used, and never associated with a device. This line was originally added by a XXXX representative when I signed up, but it was never active. I canceled my account in XXXX, so I should not have been billed for any services after that date. In XX/XX/XXXX, a different debt collector ( XXXX XXXX ) began collection attempts. On XX/XX/XXXX, I requested validation of the alleged debt, including an itemized statement and proof of the charges. On XX/XX/XXXX, the collector acknowledged my request but never provided validation. Despite this, collection attempts continued. In XX/XX/XXXX, the debt was reported to XXXX, causing my XXXX XXXX to drop by XXXX points. I disputed the account with XXXX, but the furnisher verified it within a few days without providing any documentation to me. I am disputing this debt because the charges were generated after I canceled service, and the line in question was never activated or used. The collector did not provide validation as required before continuing collection or reporting the debt. I am requesting that this collection account be removed, that my credit report be corrected, and that XXXX provide documentation explaining why I was billed for a nonactivated line after cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have not received any response from the Bureaus even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. But unfortunaetly it has been over 30 days and no accounts was updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Independence Capital Recovery, LLC
State: IL

Complaint narrative:
for XXXX XXXX XXXX and Independence Capital recovery Date Name DOB Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation, complete chain of assignment and transfer. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I recently closed my XXXX XXXX XXXX cred card with Chase, which had a yearly fee of {$690.00} which I paid on XXXX. When I went to close my account at the end of XXXX, I requested for my annual fee to be prorated based on the amount of time I used the card and it's benefits. When speaking to the associate, they told me that my fee would be prorated and that I'd receive a letter in the mail confirming the proration status. On XXXX, I received a letter regarding my account, stating that the annual fee could not be refunded. The letter mentioned that the annual fee is refunded automatically if the account is closed within 41 days of the statement date that includes the annual fee. As my account closing request was past the 41 days, they said they would not refund me. I was lied to by the associate on the phone as they said that my fee would be prorated. They also failed to mention the credit 's card policy that was outlined in the letter I received. After receiving the letter, I called Chase and asked that I receive a fair prorated amount based on the amount of months I used the credit card. I did not ask to be refunded fully, and asked for a fair refund based on the amount of time I used card. The annual fee is roughly $ 57.92/month, and I used the card for 5 months of this year ( a total of {$280.00} in fees for the 5 months ). Given this information, I asked to be refunded a total of {$400.00} for the rest of the year that I wouldn't be using the card. I also asked if I could keep using the benefits of the card if I couldn't be refunded the {$400.00}. After speaking to two different people on the phone ( including a manager ), both requests were denied. I was told that my account could be reopened, but I did not want to go this route as that would affect my credit score again. In summary, I would not have closed this account if the policy regarding the annual fee waiver was properly disclosed to me when I called to close my account. Because I was lied to about my fee being able to be prorated, I should be entitled to receive an adequate prorated refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I requested that both car loan companies open an investigation into accounts and inquiries on my report that I believe may be inaccurate. Under the Fair Credit Reporting Act, I am requesting verification at the furnisher level.

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 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ROBINHOOD MARKETS INC.
State: ID

Complaint narrative:
I am a Robinhood XXXX XXXX Cardholder. The company advertises and markets a flat 3X rewards points ( 3 % cash back equivalence ) on all eligible everyday consumer purchases for XXXX members. On Monday, XX/XX/year>, I received an automated restriction notice from Robinhood Credit stating that my recurring transaction spending at specific routine organizations would be restricted to a lower 1X reward tier for the remainder of the calendar year. The company claimed these transactions fell under an internal " donation guideline '' and categorized direct payments to these institutions as " cash-like transactions '' ( cash equivalents ). I formally contested this restriction through the company 's internal dispute process on the same day. I noted that these transactions represent consistent, legitimate personal and family expenditures made directly to the organizations. I pointed out a direct contradiction with the official " Robinhood XXXX XXXX Rewards Program Rules '' ( Last Updated XX/XX/year> ). The written policy explicitly defines " cash-like transactions '' as liquid, cash-convertible instruments ( such as wire transfers, money orders, traveler 's checks, and gift card reloads ). The policy does not list direct payments to non-profit or religious institutions as exclusions, nor does it define direct merchant utility/commitment payments as cash equivalents. The dispute was escalated internally, and on XX/XX/year>, an Escalations Principal issued the company 's final determination, upholding the 1X restriction. The company cited a catch-all " including but not limited to '' clause in their rewards terms to justify redefining standard merchant transactions as cash-like on an ad-hoc basis. Furthermore, when requested to provide the specific Merchant Category Codes ( MCC ) being restricted so I could understand my account terms, the company formally refused to disclose the codes, stating they are not required to share that information.

Company response to consumer: Closed with explanation