vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Revenue, Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate collection reporting related to a XXXX University student account balance that caused significant and unnecessary financial harm. In XXXX, I entered into a payment arrangement with the university regarding a remaining balance on my student account. Under that arrangement, my next scheduled payment was not due until XX/XX/year>. Despite the active payment arrangement, the university referred the account to collections on XX/XX/year>. On that same date, XX/XX/year>, I made payment toward the account balance. The university has since characterized this situation as a timing error, acknowledging that the payment and collection referral effectively occurred simultaneously. As a result of this error, a collection account for approximately {$740.00} was reported to the credit bureaus and appeared on my consumer credit reports. I was not properly informed that the account had been referred to collections prior to the derogatory reporting. During my contact with the University regarding this manner, a different mailing address ( which as not one related to any I have every resided at, appeared in my file ). This inaccurate reporting caused measurable financial harm. Most notably, I was denied refinancing due to the collection account appearing on my credit report. The reporting also negatively impacted my credit profile and created unnecessary hardship and stress. Following my disputes and communications with both the university and the collection agency, the collection tradeline has now been removed from the credit bureaus. However, despite acknowledging the issue as a timing-related error and correcting the reporting, the university has refused to provide any restitution or meaningful remedy for the financial harm caused. I am requesting that the CFPB review this matter and the handling of the account, including : the referral of an account to collections despite an active payment arrangement, the reporting of inaccurate collection information to consumer reporting agencies, and the failure to provide appropriate relief after the error caused documented financial harm. I am also requesting that the institution provide appropriate restitution for the damages caused by the inaccurate reporting and improper collections handling. I have supporting documentation available, including : payment records, evidence of the payment arrangement, credit reporting information, and documentation relating to the refinancing denial connected to the collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this complaint against Portfolio Recovery Associates , LLC regarding an account they are furnishing on my consumer credit report, identified as Account Number XXXX, with the original creditor listed as XXXX XXXX. I formally dispute this debt and state clearly that I do not owe this alleged obligation. Portfolio Recovery Associates appears to be using me as a target in an attempt to collect on a debt that has not been properly validated. This account was placed on my credit report without proper prior notification, which is commonly referred to as debt parking. This practice is deceptive and unfair, as it prevents consumers from exercising their right to dispute or validate the alleged debt before it negatively impacts their credit. In addition, another collection company is also attempting to collect on the same alleged debt. This creates conflicting claims of ownership and raises serious concerns regarding the accuracy, legitimacy, and proper assignment of this account. It is unclear which entity, if any, has the legal right to collect this alleged debt. Portfolio Recovery Associates has also failed to provide sufficient documentation to validate this debt or to demonstrate that they have lawful authority to collect it. I have not received any complete chain of title, purchase agreement, or valid bill of sale identifying this specific account. The reporting of multiple collectors for the same alleged debt, combined with the lack of proper validation, indicates that this information is inaccurate and misleading as reported to the consumer reporting agencies. Based on these issues, it appears that Portfolio Recovery Associates is attempting to collect on a debt that has not been properly substantiated while contributing to inaccurate and conflicting credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: AR

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 2026-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Everytime I try to open an account it tells me I'm in XXXX XXXX and I don't understand why or what could be the reason. I need an account due to working but this issue makes its very difficult for me to get one. My personal information was leaked, sold, bought for monatery gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am formally requesting an appeal and review regarding the closure of my account based on an alleged fraudulent XXXX transaction. The circumstances surrounding this matter do not appear to have been fully or fairly investigated before action was taken against my account. The individual in question sent multiple XXXX payments over a period of time. However, only one payment was later reported as fraudulent while the other payments were not disputed. This raises serious concerns regarding the consistency and legitimacy of the claim being made. Additionally, the dispute reportedly occurred months after the transaction took place, which further questions the nature of the allegation. I was never contacted by Navy Federal to provide documentation, context, or an explanation before my account was closed. I was not given an opportunity to defend myself or clarify the transaction activity. If there were concerns regarding the sender or the transactions themselves, I believe additional investigation should have been conducted directly with the sender rather than assuming wrongdoing on my part. I also have supporting documentation available, including text message communications and XXXX XXXX transaction records, showing that the transfers were sent on the senders behalf and with their knowledge at the time of the transactions. Navy Federal did not request or review this information before making its decision. Furthermore, the funds referenced were transferred onward through XXXX XXXX to another individual. I was not the ultimate recipient or beneficiary of those funds in the manner being implied. I respectfully request : A full review of the investigation process used in this matter The opportunity to submit my supporting documentation and evidence Copies of any documentation or evidence relied upon in making the decision Clarification regarding why only one transaction was disputed while others from the same sender were not Reconsideration of the account closure and any fraud designation associated with my profile I value fair treatment and due process, and I would appreciate the opportunity to properly respond to any concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I am filing this complaint regarding my recent vehicle lease with XXXX XXXX and the dealerships handling of the transaction, including misrepresentation during the negotiation, coercive communication, survey manipulation, refusal to communicate in good faith, and the dealerships escalation to an attorney who declined to answer basic consumer questions. Summary of Issues Shortly after leasing the vehicle, I discovered multiple issues with the dealerships conduct : Material misrepresentation by the Sales Director, who stated the dealership was losing {$5200.00} on the deal, which partially influenced my wife 's decision to sign. Survey manipulation, including an offer of a {$250.00} gift card in exchange for a XXXX survey score. Coercive latenight communication at XXXX XXXX on XX/XX/XXXX. Failure to follow through on promised contact from management. Corporate nonresponsiveness from XXXX XXXX XXXX. Escalation to an attorney who refused to answer basic questions and insisted I must retain my own attorney to communicate. Premature closure of the matter by the dealership despite unresolved issues and a verbal agreement to unwind the lease. Timeline XX/XX/XXXX : I leased the vehicle. Sales Director stated the dealership was losing {$5200.00}, which I later learned was not accurate. XX/XX/XXXX : I contacted the dealership to ask about unwinding the lease. I received a XXXX XXXX message and a survey manipulation offer. XX/XX/XXXX : I attempted to reach management through phone and online chat ; no one responded despite being told a manager would contact me. XX/XX/XXXX : First acknowledgment from the dealership. XX/XX/XXXX : I reached a verbal agreement with a manager ( XXXX ) to unwind the lease and refund my {$4000.00} down payment. I requested written confirmation, but none was provided. Later that day, I received an unexpected email from someone identifying himself as a Managing Partner, contradicting earlier representations about dealership leadership. The dealership then escalated the matter to an attorney, who refused to answer my questions and insisted communication must occur through legal counsel. The attorney later stated the matter was closed, despite the unresolved issues and the verbal agreement to unwind the lease. Medical Impact The dealerships conduct significantly worsened my documented XXXX, XXXX, and XXXX XXXX. I am under the care of a XXXX and physician and take XXXX XXXX XXXX daily. Due to the stress caused by this situation, I have had to take additional medication ( XXXX XXXX XXXX and sleep medication ). Current Status I still possess the vehicle. The dealership has refused to communicate directly, refused to honor the verbal agreement, and refused to answer basic questions. Their attorney has declined to respond unless I retain counsel, which is not required for a consumer to ask questions about a vehicle they purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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 explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Recognized on XX/XX/XXXX XXXX. I lost XXXX Dollars in a week because someone use my card to buy cryptocurrency. I got hacked with my Bank of America Checking account. at that time, I lost my phone and I had no alarm for these transaction so, I report this to police and bank at that moment. Today bank denied a fraud claim with any question and they states that these transactions are authorized by me so we decided there are no fraud transactions. I have been though same situation on last XXXX. they will never accept customers claim

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 2026-05-13 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: 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 explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Id like to initiate the process of reclaiming my truck or starting a payment plan to do so. I was taken advantage of and want to move forward with a fresh start. Additionally, I previously notified lender of identity theft and delayed mail. * Recent layoff created hardship. * Requesting temporary hold while hardship is reviewed. They admitted that when calling them yesterday I have XXXX papers showing I was in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
COMPLAINT AGAINST CHASE BANK : FAILURE TO POST MERCHANT-INITIATED CREDITS Subject : Misclassification of Claim and Factual Errors in Bank Records regarding Account Ending in XXXX. Statement of Problem : I am filing this complaint because Chase Bank has fundamentally mischaracterized my request for assistance, resulting in the wrongful withholding of 43 merchant-initiated refunds totaling approximately {$870.00}. In their response to my previous inquiry to CFPB Case # [ XXXX, Chase treated my claim as a " dispute of unauthorized charges '' governed by the 60-day reporting window of Regulation E. This is a gross misclassification. I am not disputing unauthorized charges. The merchant, XXXX, has already admitted to a billing error and voluntarily initiated 48 refunds on XX/XX/XXXX. The " error '' I am reporting is not the original charges from years ago ; it is the banks failure to post the credits that were sent to my account in XX/XX/XXXX. This puts my report well within the 60-day legal window for error resolution. Factual Inaccuracies in Chases Records : In their denial, Chase asserted that debit cards ending in XXXX and XXXX do not exist on my profile and have not been linked to account XXXX since XX/XX/XXXX. This is objectively false. I possess receipts from the merchant ( XXXX ) showing successful charges to these specific card numbers as recently as XXXX, XXXX, and XXXX. If Chases internal systems can not " see '' these cards, it explains why the refunds are not posting, but it does not mean the money does not exist. It suggests a critical failure in Chases record-keeping or a failure to check their internal Suspense/Unposted Credit Accounts. Demand for Resolution : I demand that Chase move this investigation beyond a standard automated search for " unauthorized disputes. '' I require a manual trace of these funds. I am providing the merchants documentation showing that all 48 refunds were processed. I request that Chase use the Acquirer Reference Numbers ( ARNs ) or Trace IDs ( which they or I can obtain from the merchant, XXXX ) to locate these funds within their internal holding accounts. I request that Chase acknowledge that a merchant-initiated credit is not subject to the XXXX " dispute '' window, as the merchant has already conceded the funds. Impact : I am a teacher on a limited income. Chase is currently withholding nearly {$900.00} that has already been released by the merchant. The banks refusal to perform a diligent search for these credits is causing me significant financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Unauthorized Closure of All Accounts Without Consent I am filing this complaint against Citizens Bank regarding the sudden and unauthorized closure of all of my bank accounts without my knowledge, authorization, or prior consent. On or about XX/XX/year>, I attempted to access my Citizens Bank accounts through the mobile application and was presented with a notice stating : Your accounts are closed. Didnt ask us to close your accounts? Call ( XXXX ) XXXX. I did not request the closure of my accounts, did not authorize anyone else to close them on my behalf, and did not receive meaningful advance notice explaining why my accounts were being terminated. The closure appears to have been initiated unilaterally by the bank without proper communication or due process. This situation has caused serious disruption to my financial access and ability to manage funds, payments, and banking activities. Citizens Bank has failed to provide a clear explanation, written documentation, or an opportunity to address any alleged issue before terminating the banking relationship. I have retained screenshot evidence from the Citizens Bank application showing the message stating that my accounts were closed despite no authorization being provided by me. In addition to the issues already described, Citizens Bank also unlawfully and without my authorization deleted my debit cards and altered the home address associated with my accounts. I did not request, approve, or initiate any of these changes. These actions created significant disruption and raise serious concerns about unauthorized account access and improper internal modifications to my banking profile. The deletion of my debit cards prevented normal access to my funds, while the unauthorized address change compromised the integrity of my personal account information and may have affected delivery of sensitive banking correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: NJ

Complaint narrative:
I am submitting this complaint regarding the handling and credit reporting of my federal student loans serviced by MOHELA. After maintaining approximately eight years of positive credit history and on-time payments, I experienced a temporary financial hardship that caused me to fall behind. I submitted a forbearance request on XXXX ; however, before any relief could be applied, MOHELA reported late payments across multiple individual loan tradelines, resulting in a severe drop of nearly XXXX points to my credit score. I am requesting a supervisory review of : whether a retroactive administrative forbearance can be applied to cover the delinquent period, whether the late payment reporting can be corrected or updated if retroactive relief is approved, and whether the reporting accurately reflected the account status during the hardship and review period. Because the delinquency was reported across several separate tradelines at once, the impact to my credit profile has been devastating despite years of responsible repayment history. I am respectfully requesting that MOHELA review my account for retroactive relief and consider updating the associated credit reporting furnished to the consumer reporting agencies. Thank you for your review.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from Carvana, financed through XXXX. Carvana sold me a vehicle with delinquent personal property taxes from a previous owner without disclosing this at the time of sale. I only discovered this when the state flagged it during my attempt to register the vehicle in Virginia, where I relocated after purchase. Carvana subsequently acknowledged in writing that these taxes predate my ownership meaning they knew or should have known at the time of sale and sold me the vehicle anyway. As a direct result of Carvana 's failure to deliver a vehicle with a clean title, I have been unable to register my vehicle in my state of residence. My registration is expired. I have been making full monthly payments of {$340.00} on a vehicle I can not legally drive on public roads. When I attempted to resolve this through Carvana 's customer support, I was directed to their chat service, which provided no resolution and no timeline for fixing the problem they created. Carvana 's written acknowledgment that the taxes predate my ownership has not been followed by any concrete action on their part to resolve it. Carvana sold me a car they had not properly cleared for sale. I am the one paying for that failure in every sense.

Company response to consumer: Closed with explanation