vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: MA

Complaint narrative:
I have submitted IDR applications on XX/XX/XXXXXXXX  which was not processed to my knowledge, XX/XX/XXXXXXXX  which was not processed to my knowledge, XX/XX/XXXXXXXX  which was not processed to know knowledge and then on XX/XX/XXXX. These were mailed and faxed to Mohela. It was important for this to be sent over and processed timely to ensure I could be removed from the SAVE plan and placed on a qualifying IDR plan to be eligible for PSLF as I was on track with my payments. I even attempted to message Mohela in XXXX of XXXX  to which the response was that all issues have been resolved. There was also a long period of time that I called Mohela in XXXX XXXX XXXX where I had extremely long hold times reaching over an hour. I also would request call backs which would not happen. My IDR request were manually completed as well as completed through the Studentaid.gov portal. During all of this, I had been placed in an involuntary forebearance which caused me to be in repayment longer as those months will not qualify for PSLF.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
To whom it may concern, I have been a customer with XXXX XXXX XXXX through Comenity Bank for quite some time. I was recently later on one payment as a result of not being able to access my account. The phone on my account was changed without my permission therefore I was unable to provide two-step verification to gain access to my account. I called and spoke with customer service on XX/XX/XXXX  in order to get assistance with my account. I was told by the representative to completely delete my account and create an entire new account which I did. However, I still continue to not have access to my account. I asked if the {$37.00} late fee could be waived as it was not my fault that the payment was late. I was told that they could only credit me {$15.00} and that is dependent upon me making my next payment on time. This is unfair as I make my payments on time and my account is not an at-risk account. Account # : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase accounts were restricted on XX/XX/year>. At the time of restriction, my business checking account balance was {$120000.00}, and my personal checking account balance was {$5200.00}. 

My Chase checking account was subsequently closed, and the remaining balance ( {$120000.00} and {$5200.00} ) was debited as a XXXX check charge, on XX/XX/year>, indicating that a closing disbursement was issued.This was clearly indicated in by bank closing statement. However, Chase has refused to deliver the disbursed checks, stating verbally when I visited the branch to get clarity, that the funds are being held for unspecified reasons and that they are waiting to see whether there will be any complaints or a recall related to the funds. 

The funds originated from a cashiers check issued by a known business partner. No court order, or forfeiture notice has been provided by Chase. Despite this, Chase has stated that the funds may be held indefinitely, while also confirming that my account was debited for a XXXX check. 

Chase further indicated that if, after this indefinite hold, no complaints are made and no recall is attempted by the sender, the funds may be released to me. I provided Chase with the contact information of the sender so that Chase could obtain clarification directly from the originator ; however, Chase has refused to contact the sender.

I am therefore requesting the following : 1. Written confirmation of the current status and location of my funds 2. A clear explanation of the formal resolution process and the expected timeframe 3. Release of my funds to me, or direct contact with the originator to resolve any outstanding questions I am seeking prompt release of my funds or a clear, lawful written explanation for any continued restriction, including the legal authority for such restriction if a court order exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I went to the XXXX, CT, branch in person and processed a wire for XXXX to go out domestically. I was told that it will reach its destination on the same date on XX/XX/year>. After a week, I do not have an answer, and the wire has not left my account. The wire department and the compliance department do not provide any explanation to the branch manager or to me. It is unacceptable and unethical. Please help me resolve this issue and bring TD rating down as they are bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: UT

Complaint narrative:
An account has been opened fraudulently under my name or without my consent/knowledge on XX/XX/XXXX at ChimeXXXX XXXX Bank and I just now became aware of it as it was reported on my credit report today on both XXXX XXXX XXXX XX/XX/XXXX and have reported it as fraudulent on both of their creditors as well. I called their customer service and they are denying an account exists after providing my name, date of birth, and SSN. I need an action to be taken and this account to be closed immediately as I never opened it and have never had a Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: PA

Complaint narrative:
I am formally disputing two fraudulent and unauthorized transactions that were posted to my account without my consent. 

The transactions were processed by XXXX via the XXXX wallet, each in the amount of {$940.00}, and occurred within minutes of each other. I did not authorize, approve, recognize, or benefit from these transactions in any manner. 

Transaction details : Merchant : XXXX / XXXX  Amount : {$940.00} ( XXXX transactions ) Time : Approximately XXXX AM and XXXX AM Nature : Unauthorized / Fraudulent At no point did I share my card number, PIN, OTP, login credentials, or authorize any third party to perform these transactions. The pattern and timing clearly indicate fraud and possible system failure in authorization controls. 

I am formally demanding the following actions in accordance with consumer protection laws and card network regulations : Immediate initiation of a chargeback and full reversal of both unauthorized transactions A formal fraud investigation into how these charges were approved Immediate steps to secure my account, including card cancellation and re-issuance if required Written confirmation acknowledging this dispute and outlining the resolution timeline

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint against Bank of America , N.A., regarding its failure to properly investigate my disputes, failure to respond to written correspondence from XX/XX/XXXX and XX/XX/XXXX, and continued reporting of inaccurate and unverified information to the consumer reporting agencies. 
Bank of America is reporting an account under my name as over 180 days late on my consumer credit reports. I have formally disputed this account multiple times and have sent XXXX written letters directly to Bank of America requesting validation, investigation, and correction of the reported information. 
Despite these efforts : Bank of America has never provided any documentation to substantiate the accuracy of the reported late payments Bank of America has failed to respond to my written dispute letters The only correspondence received from Bank of America has been a payment demand letter, which does not address or resolve my disputes When disputes are submitted through the credit bureaus, the account is repeatedly marked as verified without any evidence being provided to me At no time has Bank of America sent me : A detailed investigation result Proof of verification Payment history records supporting the XXXX days late status Any documentation showing how the information was verified. 

I tried to request a login and password providing my information according to their records and their systems says I am not found. Which conflicts to what they are claiming on the credit report.

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I sent several letters and calls over the years. The last letter was XXXX weeks ago XX/XX/year>. To dispute debts owed to XXXX. They do not response and I want these taken off my credit report because they were bought by this company and were not what I owed. They were payed off XXXX was my husband who is deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Since XXXX, I have been actively seeking mortgage assistance with PHH. At that time, my account was only two months past due. I fully cooperated with the process and submitted all requested documentation. 

Throughout the review, I was repeatedly asked for additional documents, including the same documents multiple times, and I submitted everything as instructed. As the process continued, my delinquency increased due to the length of the review and repeated documentation requests. 

When my account reached three months past due, I was informed that I could no longer make a single payment and was required to submit two payments together. I was willing and able to make one monthly payment, but not two payments at once. As a result, I was unable to make payments under those conditions despite my willingness to pay. 

I was later approved for a loan modification and placed on a trial payment plan. I successfully made the first two trial payments in good faith. My third trial payment is due on XX/XX/XXXX, and I am ready and able to make this payment. 

However, the company is currently refusing to accept my XX/XX/XXXX payment and has instructed me to reapply for mortgage assistance due to a title issue, even though there is still time to address the issue and allow the payment to be made. 

I contacted the company by phone and requested escalation and supervisor review, but I was told escalation could not be opened and that I must reapply, which further delays the process. 

Due to these ongoing issues, my account is now approximately 175 days past due. I am at serious risk of losing my home. I am not refusing to pay and have made continuous good faith efforts to resolve this matter and submit my payment. 

I am requesting assistance so that my payment can be accepted, clear guidance can be provided, and this issue can be resolved to prevent foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was the victim of a fake job scam that targeted students at my community college. I believed the job was legitimate and offered only to students at my school. 

As part of this job, I was instructed to deposit checks electronically into my Bank of America checking account. Based on the available balance shown in my account, I believed the funds were real and usable. 

I was then instructed to send funds via XXXX XXXX as part of the job. I authorized the transfer because I genuinely believed I was performing legitimate job duties. 

The checks were later returned as fraudulent, causing my account to become negative. I immediately reported the situation to Bank of America and filed a police report ( Case Number : XXXX ). 

I did not know the job communication was fraudulent or that the email had disappeared until after the scam had already occurred. At the time, there were no warning signs. 

Despite this, Bank of America denied my fraud claim and is holding me responsible for the negative balance. I am a student, experiencing financial hardship, and do not have the ability to repay this amount. 

I am requesting that Bank of America reconsider this claim, take into account the police report and the deceptive nature of the scam, and relieve me of responsibility for the resulting negative balance. At minimum, I request hardship accommodation and suspension of collection activity during review.

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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I applied for a loan from CashNetUSA on XX/XX/year>. They accepted and would fund me the next day, XX/XX/year>. However, I was inform that my fund was denied instead. Despite that, I am still being charged for the payment. I have called and theres no one I can get a hold of to help. I have also emailed asking for why I am still being charged, but again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: CA

Complaint narrative:
In XX/XX/XXXX, XXXX issued a refund for a purchase originally made in XXXX on a Citi credit card account. 
The account had been discharged in a XXXX  XXXX bankruptcy in XXXX. 
Instead of issuing the refund, Citi applied the post-discharge refund to a pre-petition balance that was discharged in bankruptcy. 
I contacted Citi multiple times by phone and requested an explanation and reversal of the refund application. Citi representatives refused to escalate the issue and repeatedly told me to contact a bankruptcy attorney or judge. 
I am requesting reversal of the improper setoff and issuance of the refund by paper check

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 2026-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
I used my Cash App Card for a XXXX purchase on XX/XX/XXXX in the amount of {$150.00}. The item ( XXXX XXXX ) arrived broken/damaged on delivery. 

I filed a dispute on XX/XX/XXXX and submitted all requested documentation and photos at that time. As of XX/XX/XXXX, the dispute remains unresolved with no decision or provisional credit issued. 

Cash App has repeatedly stated the dispute is still in progress but has provided no timeline for resolution. I am requesting timely resolution of the dispute or a provisional credit while the review is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Multiple accounts ( checking and savings ) have been opened in my name without my consent, even with my credit frozen. 
Huntington Bank XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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: OH

Complaint narrative:
I am submitting this complaint because Bank of America has failed to properly handle my billing dispute and has not followed through on communication related to my CFPB complaint. 

I disputed a {$4900.00} charge for defective merchandise from the merchant XXXX XXXX. Although the transaction was authorized, the merchandise was defective, which qualifies as a billing error under Regulation Z ( Fair Credit Billing Act ). I timely disputed the charge and submitted supporting documentation showing the defect and the merchants failure to resolve the issue.

I faxed supporting documents to Bank of America, including proof of defect, dispute records, and documentation supporting my request for temporary credit. Despite receiving these documents, Bank of America has not applied provisional credit and has repeatedly stated they are waiting on the merchant, without providing a clear or reasonable investigation timeline.

After filing my CFPB complaint, I was contacted by Bank of America Regulatory Complaints. A Resolution Specialist identified themselves as my point of contact and requested additional information, including my specific account number, transaction details, claim number, and supporting documents. I provided all requested information before the stated deadline, including sensitive personal and account information.

Since submitting the requested information, Bank of America has failed to confirm receipt, failed to provide any investigation updates, and has stopped communicating entirely. I have not received a follow-up call, written response, or secured email, despite being advised that communication would occur within 48 business hours.

Bank of Americas failure to respond after requesting sensitive personal information is concerning and reflects improper handling of a CFPB-related complaint. Additionally, the dispute investigation has not been handled in compliance with Regulation Z, as the delay has been unjustified and unsupported by written explanation.

I am requesting CFPB assistance to ensure Bank of America completes the investigation properly, reviews the documentation already provided, documents the merchants failure to respond, and provides a written determination and resolution timeline.

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 2026-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am submitting this complaint regarding a 30-day late payment reported for XX/XX/year> on my Freedom Mortgage account. 

I was enrolled in automatic payments. A payment was submitted and subsequently returned by my depository institution, and the credit for that payment was reversed on XX/XX/year>. 

I am not disputing that the payment was returned. However, I am disputing whether the handling, timing, and reporting of the payment reversal accurately reflect the account status for credit reporting purposes. 

Freedom Mortgage has stated that a document notifying me of the returned autopayment was sent. I never saw this document, and there is no record of it on the Freedom Mortgage portal. Freedom Mortgage also stated they attempted to reach me by phone twice ; the calls I did not answer appeared as spam on my phone, and no voicemail or other notifications were left. I also did not receive any mailed notices prior to the late reporting. Notices only appeared after the late payment had already been reported. I am providing this information as context for why I was unaware of the payment reversal until after credit reporting occurred. 

This was my first late payment ever, and the account was otherwise maintained in good standing. I am requesting that Freedom Mortgage conduct a compliance-level review of the processes surrounding the XX/XX/year> automatic payment, including the timing of the payment reversal, notice, and delinquency reporting. While the payment was returned and the delinquency was reported accurately, I am requesting that Freedom Mortgage review whether communications and notifications were sufficient and in compliance with applicable procedures, to prevent similar issues in the future. 

I note that Freedom Mortgage has previously received multiple consumer complaints and regulatory enforcement actions, including CFPB investigations, which highlights that procedural issues with account communications and reporting have occurred in other cases as well. This context reinforces the need for a thorough compliance-level review in my situation.

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