vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened an online checking account with Regions Bank on XXXX. It was a Regions Bank online promotion of {$400.00} to open a checking account. Upon opening the account I funded the account with an external transfer from my existing account at XXXX XXXX XXXX. A successful transfer took place and Regions Bank debited my existing checking account at XXXX XXXX XXXX for {$50.00}. Regions sent me email confirming the account is now funded. My new Regions account shows the {$50.00} transfer successfully was credited into the new Regions account from my existing XXXX XXXX XXXX. The problem is Regions will not let me access my money by doing an external transfer to another bank. Even though Regions took the transfer money out of my XXXX XXXX XXXX account it will not allow me access to that external XXXX account unless I verify the XXXX account that they took the money out of. The problem is, whenever I am online on my Regions checking account. I click to verify my XXXX XXXX XXXX account that they took the money out of and it returns constant error messages and a number to call. I have called that number at least 5 times and they never resolved the issue. On the last call they put me in touch with the closest bank branch. I called them, they want me to come into the branch to verify the account! The bank is XXXX miles away from my home! Here I opened an online checking account and the banker in XXXX XXXX, SC XXXX told me I must come in to verify my account before I can access my money through an external transfer, the same external bank they took my money out of. He himself was shocked I am in another state XXXX miles away. Thinking how stupid this is, I called Regions Bank again and told them I wanted to close the account as I have no access to my money. Get this, they told me there would be a {$25.00} charge for closing the account early, the very account that Regions cant give me access too unless as told I drive XXXX Miles.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Validation of Debt Request - CONSUMER ADJUSTMENT/XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I submitted 3 help requests on the website to this collection company wanting information. Have never been called by them nor responded to to validate this debt yet it shows on my report after multiple instances trying to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NV

Complaint narrative:
On Friday XX/XX/XXXX I called into the default student loans department to get more information about my defaulted student loans and was inquired about consolidation and was given a third party number that was infact not the federal government but a third party loan servicers not contracted by the federal government, this loan serviceer is predatory and scams people by promising after payments are completed for a certain amount that the principle amount would be forgiven. The customer service reps at the default department are giving out this phone number as if it's an official number to the government for consolidation. This needs to be stopped I was almost scammed out of a lot of money. The wanted me to pay them XXXX dollars a month and give them full access to all of my student loan accounts meaning my passwords and everything. The name of the company they sent me to is XXXX XXXX XXXX XXXX Number : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
Was told the loan was capped, but all of my payments are going towards interest monthly, balance is greater now than it was when I first got the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.

Complaint narrative:
Since XXXX XXXX, i have asked questions and sent several requests based on the response I received from the bank However communication with the bank has been very difficult The bank called me once but i missed the call so after that i sent another request the bank to contact me by email, but i have not received any reply In the past, i already sent all my personal documents and requied information by international mail These documents included my all informaton and cardnumber account opening a bank account At that time, they did not confirm whether they received but the bank is asking for the same route again In addition i went to the embassy to receive notarization and i already provided I understand that banks normally help their customers and communicate clearly but in my case the problem Even though the XXXX has the lagest in the world and my bank is not a small bank But i feel XXXX being treated carelessly

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 2026-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX, 2026, I contacted my mortgage servicer M & T Bank to request FHA formal forbearance due to financial hardship. My understanding at the time was that the forbearance request would apply to my XXXX payment while the request was being reviewed. During that conversation I asked whether I needed to make the XXXX payment while the request was being processed. I was told that payments could be made during XXXX but that I was not required to make the payment while the request was under review. Based on that guidance, I did not make the XXXX payment while waiting for the forbearance decision. On XXXX XXXX, 2026 I learned that the servicer reported the XXXX payment as 30 days late to the credit bureaus. On XXXX XXXX, 2026 I contacted the servicer to inquire about the status of my forbearance request and the credit reporting. During that call the representative indicated they would review the call recording from my XXXX request to determine what guidance was provided. I was also informed that my FHA XXXX was approved.. On XX/XX/2026 I called back in to the servicer to finish the conversation as I was not able to do so at the time of call in on XX/XX/XXXX. I learned the servicer set my XXXX period for XXXX 2026 instead of covering XXXX while the request was under review. As soon as I became aware that the XXXX payment had been reported late, I immediately paid the XXXX payment in full and requested that the credit reporting be corrected. The servicer informed me they could not correct the reporting. The delinquency resulted from a misunderstanding regarding whether a payment was required while my FHA XXXX request was under review. I am requesting correction of the XX/XX/2026 late payment reporting with the credit bureaus.

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 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I contacted my mortgage servicer, Wells Fargo Home Mortgage, to request cancellation of my private mortgage insurance ( PMI ) because my loan balance had fallen below 80 % of the original property value. I was told the representative could not process the request and that I would receive a letter explaining my options. I received the letter on XX/XX/XXXX stating that my loan does not meet the good payment history requirement to qualify for PMI cancellation under XXXX Option XXXX. On XX/XX/XXXX I called Wells Fargo to ask for clarification. I was told that because I entered a forbearance period from XX/XX/XXXX to XX/XX/XXXX, due to an unemployment period, my loan does not meet the good payment history requirement. The letter defines a good payment history as " not having any payments XXXX or more days late in the last 12 months and no payments XXXX or more days late in the last 24 months. '' During the forbearance period I was specifically told that payments would not be considered late. The representative stated that although the forbearance was approved, the loans investor considers those months to count as late payments for purposes of PMI cancellation unless the forbearance was related to XXXX disaster relief or COVID programs. During the forbearance period no late fees were assessed, my credit report shows no late payments, and the loan was brought current before the forbearance ended. Wells Fargo is refusing to cancel PMI despite the loan being below 80 % 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 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
Dates and times dont match up. And its also saying that my d.o.b is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am filing this complaint because OneMain Financial is reporting inaccurate, incomplete, and contradictory information about this account on my credit report. I previously disputed the account with the credit bureaus, but OneMain verified the information without providing documentation or correcting the errors. There are multiple issues with the reporting : XXXX. The account does not list a Date of First Delinquency ( DOFD ), which is required for any account that went into charge-off. Without the DOFD, the reporting period can not be determined. XXXX. The payment history is contradictory and impossible. The report shows 30180 day late payments through XX/XX/XXXX, but then shows ND No Data for all of XXXX. Despite having no payment data for the entire year, OneMain still reported a charge-off in XX/XX/XXXX. This is inconsistent and suggests inaccurate or incomplete reporting. XXXX. Several required fields are missing, including Date Closed, Highest Balance, Balance Updated Date, and Recent Payment. These omissions make the account incomplete and unverifiable. XXXX. The loan terms do not match the delinquency timeline. The account shows a XXXX term beginning in XX/XX/XXXX, which should have ended around XX/XX/XXXX. However, the delinquency timeline extends into late XXXX, followed by a full year of missing data, and then a charge-off in XXXX. This raises concerns about possible reaging of the account. XXXX. The account is listed as Paid in settlement with {$380.00} written off, but the balance fields are blank and no balance update date is provided. A settled account should show a {$0.00} balance and a clear date when the balance was updated. XXXX. OneMain reported 12 months of ND No Data while the account was still open, which violates XXXX XXXX reporting standards requiring continuous monthly reporting. I am requesting that OneMain Financial provide : - All documentation used to verify this account, - A full investigation into the inaccuracies, - Correction of all incomplete or contradictory information, - Or deletion of the account if it can not be verified with proper records. The current reporting is incomplete, inaccurate, and not verifiable, and it does not comply with FCRA XXXX, XXXX ( b ), XXXX, or XXXX ( a ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Reason for dispute : Fraud / Unauthorized account I am disputing an account that is currently being reported on my credit report. This account relates to a credit card that was used approximately XXXX years ago, and the charges associated with this account were not made or authorized by me. I did not open or use this account, and I never made the purchases associated with the balance. Because these charges were fraudulent, I should not be held responsible for this debt. Additionally, the account appears to be older than the allowable reporting period, and negative accounts generally should not remain on a consumer credit report beyond XXXX years. I am requesting that this account be fully investigated and removed from my credit report with all credit reporting agencies, including XXXX XXXX XXXX XXXX. Please correct or delete this inaccurate information as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: January Technologies, Inc
State: CA

Complaint narrative:
I reached out to XXXX a company collecting on behalf of XXXX for an old debt to see if theyd agree to remove it from my credit report in exchange for payment. I was told they would send a request to have it removed once it is paid. However, its been weeks and Ive checked my credit report and see that they reported the debt as paid closed instead of deleting it as they originally agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I have requested proper validation of this alleged debt multiple times, and I still have not received it. I have no idea what this alleged debt is even for. Instead of providing documentation verifying the debt, Credence Resource Management has continued calling me excessively. I have repeatedly asked them to stop calling me and to provide proper validation in writing. Because of this conduct, I have filed complaints with the Federal Trade Commission ( FTC ) and my State Attorney General, and I am now asking the Consumer Financial Protection Bureau ( CFPB ), the FTC, and the Attorney General to hold this company responsible. After researching Credence Resource Management, I found many complaints from consumers reporting the same behaviorfailure to provide proper validation while continuing collection activity and reporting debts that consumers can not verify. The most concerning issue is that I never received written notice of this alleged debt before it appeared on my credit report, which is a requirement under federal law. I have asked this company multiple times to send the required documentation and they have failed to do so. This company continues to attempt collection activity without providing proof that the debt is legitimate or that I am legally responsible for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: CA

Complaint narrative:
- XX/XX/XXXX : An ATM withdrawal of {$380.00} was made at XXXX XXXX in XXXX XXXX Missouri * I have never been to XXXX XXXX Missouri * * My ATM card has never been out of my possession * * No person has access to my card, nor pin, and no person had permission use my card/pin - XX/XX/XXXX : Filed Fraud Claim - XX/XX/XXXX : Claim Denied XXXX time - XX/XX/XXXX : Claim Reopened & I requested Documents used to deny my claim - XX/XX/XXXX : Letter received indicating that Documents used to deny claim were included. However, NO documents were included - XX/XX/XXXX : Claim Denied XXXX time - XX/XX/XXXX : Had in person meeting with XXXX XXXX and the Manager at our local BoA Branch in XXXX XXXX California - Claim reopened - XX/XX/XXXX : Claim Denied XXXX time To Re-assert : - I have never been to XXXX XXXX, Missouri, thus there was no way for me to take money out on XX/XX/XXXX from an ATM there - My ATM card never left my possession - No person had access to nor permission to use my ATM * More concerning than BoA saying that I am lying, is that they are Not Acknowledging that the fraud occurred independent of me and the problem is with Their security, not me. The problem is with Their ability to keep my Money safe. Very concerning indeed. *

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 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
You've reached XXXX payments, but you may need to meet other program requirements for forgiveness. Not understanding. They sold the loans to XXXX but XXXX still have them too.

Company response to consumer: Closed with explanation