vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CHERRY TECHNOLOGIES INC.
State: HI

Complaint narrative:
am filing a complaint against Cherry XXXX regarding a healthcare financing dispute. I financed a cosmetic laser treatment package through Cherry. I completed the treatment plan in good faith, but the results after several months were extremely minimal and did not reasonably match the high cost of the treatment plan. I also later learned that the provider was not a licensed dermatologist or medical specialist, I was pressured into purchasing an additional XXXX XXXX skincare product that provided little to no benefit, and I was instructed to shave in ways that worsened irritation and delayed healing. I feel I was misled and financially harmed by the provider. 
I filed a dispute with Cherry explaining these concerns. However, while my dispute was still active and under investigation, Cherry continued to withdraw payments, including a {$150.00} charge that caused financial hardship. I had clearly requested that billing be paused and that I be protected from negative credit impact while the dispute was being reviewed, but the charge was still taken and the process has been extremely delayed with limited clear communication. 
I am requesting assistance to ensure : that Cherry properly reviews my dispute that billing is paused and future charges are stopped during investigation that there is no negative credit reporting while this is unresolved and that a fair resolution is reached, such as a refund/credit of the recent charge, reduction of the remaining balance, or cancellation of remaining payments so the cost reflects the actual results and consumer experience Cherry has not handled this dispute in a fair or timely manner, and I need help ensuring this is reviewed correctly and that I am not financially penalized while I am still under dispute. 
Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Between approximately XX/XX/year> and XXXX, I made repeated charges totaling approximately {$10000.00} to XXXX providing a subscription-based digital trading platform to use on my phone. During this period, the platform experienced increasing usability and functionality issues, that materially affected the service. I continued using the product in good faith while attempting to resolve the issues first through XXXX, then through Chase to recover money based on misrepresentation of product and inability to materially use the service. Eventually, Chase said they no longer could help so I went to the merchant to resolve the issue, and submitted complaints to theXX/XX/XXXX XX/XX/XXXXAttorney General,XX/XX/XXXX Attorney General, and FTC, as the merchant had not yet acknowledged systemic problems and I reasonably expected remediation. Eventually, XXXX acknowledged that issues with their platform did occur during this timeframe, which explains why disputed charges were concentrated within a defined period. 

Based on these issues, I submitted disputes to Chase in good faith beginning around XXXX. Chase initially processed the disputes, but later informed me that no further dispute assistance would be provided, stating that the volume of disputes had caused too much damage. I understand that this determination was based on aggregate impact rather than the merits of individual claims. My request is not to challenge Chases right to manage risk, but to seek confirmation that the termination of dispute protections was applied consistently, clearly disclosed in advance, and did not unfairly affect my account standing or credit profile beyond the disputed amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2026-01-06 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: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX $ was taking out of my account every XXXX weeks for a month. The bank filed a claim and it was denied. They gave me a new card. Ive have contacted their claims department in order to figure out where these transactions took place. They are unable to find out where these transactions happened. I would like to know where they happened and why ; if the bank cant tell me where they happened did they deny my 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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am disputing inaccurate credit reporting and improper collection related to a XXXX XXXX utility account that has been charged off and placed with Transworld Systems Inc. for collection. 

XXXX XXXX is reporting a charged-off balance of {$1100.00}, while Transworld Systems is attempting to collect {$970.00} for the same account. XXXX previously provided a different balance of approximately {$920.00}. These inconsistent balances demonstrate that the amount being reported and collected is not accurate. 

Despite multiple disputes, XXXX has failed to provide documentation supporting the balance, such as an itemized billing statement, service agreement, or final meter reading. The credit report response states investigation completed consumer disagrees, which does not reflect a reasonable investigation as required by law. 

Additionally, Transworld Systems is actively collecting on this account while XXXX continues to report it as charged off, creating misleading and duplicative collection activity. Transworlds collection notice also lists an address that is not my current address, raising concerns of mixed or inaccurate consumer file data. 

By continuing to report and collect conflicting balances without proper verification, XXXX XXXX and Transworld Systems are violating the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Consumer Name : XXXX XXXX Subject : Formal Dispute of Inaccurate and Unverified Credit Reporting To Whom It May Concern, I am submitting this complaint to formally dispute multiple accounts currently being reported on my Experian credit report. Several creditors and collection agencies are reporting balances and derogatory statuses that I dispute as inaccurate, unverified, incomplete, or misleading.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information are required to ensure that all reported data is accurate, verifiable, and complete, and to conduct a reasonable investigation upon dispute.

Despite prior disputes, the following accounts continue to be reported without providing adequate verification, including but not limited to : A copy of a signed or authorized agreement Proof of obligation or consent Itemized account statements Proper application of payments Accurate balance calculations Correct account status and dates Reporting a balance or charge-off without proper documentation or validation constitutes inaccurate reporting.

I am requesting that each furnisher listed below : Provide full validation and verification of the alleged debt, or Delete the tradeline entirely if verification can not be produced.

Please note that generic statements such as account verified or first payment never received do not satisfy FCRA investigation requirements.

I respectfully request the Consumer Financial Protection Bureau ensure that each company complies with federal law and corrects or removes any inaccurate reporting. 

Sincerely, XXXX XXXX DISPUTED ACCOUNTS & ACCOUNT INFORMATION ( Attach or paste below the letter ) 1. XXXX XXXX Account Number : XXXX Reported Status : Charged off Reported Balance : {$250.00} Original Balance : {$230.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Status : Charged off Reported Balance : {$280.00} Credit Limit : {$250.00} 3. XXXX XXXX ( Credit Card ) Account Number : XXXX Reported Status : Charged off Reported Balance : {$3400.00} 4. XXXX XXXX XXXX  ( Collection ) Account Number : XXXX Reported Balance : {$2100.00} Reported Status : Collection 5. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Reported Balance : {$110.00} Reported Status : Collection 6. XXXX XXXX XXXX ( Charged-Off Account ) Account Number : XXXX Reported Balance : {$360.00} Credit Limit : {$2500.00} 7. XXXX XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1400.00} Reported Status : Charged off 8. XXXX XXXX XXXX. 

Account Number : XXXX Reported Balance : {$13000.00} Reported Status : Charged off XXXX 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 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On my credit report, Comenity has reported a 30-day late payment for XX/XX/year>. I dispute this reporting as inaccurate. The payment for that month was made on time, and under the terms of my open-end credit plan, a creditor may not treat a timely payment as late for reporting purposes under 15 U.S.C. 1666b. 

I requested documentation and verification from Comenity, including : Complete payment history for the account, including dates and amounts of all payments applied Any records supporting the reported late payment Correction of the inaccurate reporting to all credit bureaus Comenity has not provided sufficient documentation to verify the late payment, yet the account continues to appear as delinquent on my credit report. This inaccurate reporting is negatively affecting my creditworthiness and credit score.

I am requesting that Comenity : Conduct a full investigation of this disputed payment Correct or remove the inaccurate late payment from all credit reporting agencies if it can not be fully verified Provide written confirmation once the credit report has been updated This action is requested under 15 U.S.C. 1666b, which governs the accurate reporting of payments on open-end credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
I submitted a Qualified Written Request 7 times and Notice of Error on XX/XX/year> requesting proof of ownership, chain of title, authority to enforce, and the original wet-ink promissory note for my loan. 

OneMains response dated XX/XX/year> does not address my request. Instead, it vaguely refers to prior correspondence from XXXX XXXX  and refuses to respond further unless I raise new issues. This is not compliant with RESPA or TILA. 

OneMain failed to provide proof of holder-in-due-course status, a chain of title, any assignments or endorsements, or the original wet-ink instrument. Despite the account being formally disputed and unvalidated, OneMain states the account has been referred for repossession. 

Threatening repossession during an active dispute without validation constitutes unfair and deceptive practices. I am requesting CFPB intervention to require OneMain to substantively respond, validate authority to enforce, and halt collection and repossession activity until compliance is achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Today at XXXX I called XXXX to inquire about ATM fees for my new XXXX XXXX checking account for military and Veterans. I was calling to get a FEE reversed on my recent withdrawal of {$40.00} dollars + {$3.00} fee at a non wells fargo atm. But according to the description of the FREE fees for non atm withdrawals Wells Fargo should be more clear and upfront about the fees the other banks charge and that those fees are reversed as well. At least that is what I thought. On the description attached it says no fees at non wells fargo atms. While talking to a supervisor XXXX today he was a little bit confused and denied refunding the fee of {$3.00} since the charge he stated was a total of {$43.00} and not a separate fee. It was just a rubbish explanation. Additionally when I initially called I spoke to XXXX and she was rude and unprofessional and laughing over the phone and did not know her job that I decided to speak to a supervisor that hung up the phone. I have a basic checking and all the benefits for Veterans. I don't know who is working at Wells Fargo now but most it seems they don't know the rules and regulations and don't know how to do their job correctly. XXXX got rude and defensive over the phone and he started running his mouth and would not let me speak that I decided to escalate this issue for the XXXX team for a revision of the interaction with XXXX and XXXX calls and also for the benefits to Veterans. As a courtesy the fee could be refunded but hard headed XXXX thought it was not possible. What a simple call turned out to be a nightmare with unprofessional 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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was sent to checks to cash for {$720.00} on XX/XX/year> later i realized that the checks had two different banks and states on them. After i realized I tried to call my bank but they said they couldnt do anything at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BC SERVICES, INC.
State: NC

Complaint narrative:
Hello, I received a call XX/XX/2025 from BC services regarding an attempt to collect a debt from XXXX. XXXX is a hospital that I received care from. I politely explained to the representative that Ive submitted my medical insurance information. I didnt receive any bill from XXXX so I went to the hospital to confirm that this bill was submitted to my medical insurance. No further action was taken. BC services contacted me at XXXX. Representative XXXX 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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My mother assigned me as her agent on a power of attorney document. This document grants access to all financial interest related to her estate. The Bank confirms that the form is decent and in order but require a joint owner of her account to be present and approve the request. As her acting agent, I do not believe this is reasonable a reasonable request due to the fact that I would be acting a primary account owner on her behalf. Please assist.

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 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Receving party computer was hacked. We submitted a wire to a fraud account within Citibank. Our fraud department has spoken with Citibank several times and they have comfirmed it is a fraud account, the amount is sitting in they account and after 30 days they have not returned the funds back to original party.

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 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX {$250.00} reported on my credit report as negative

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
I am filing a complaint against Way2Go Card/XXXX XXXX for fraud involving my Pennsylvania child support funds. 

My Way2Go card was reissued without my authorization and mailed to an address in New York, a state where I do not reside. I live in Pennsylvania. I did not request a replacement card, did not authorize any address change, and was not notified. 

After the unauthorized reissuance, the card was activated by someone else and {$260.00} in child support funds was withdrawn from XXXXXXXX XXXX ATM on or about XX/XX/year>. 

I promptly reported the fraud to Way2Go. Despite clear evidence of unauthorized access, Way2Go denied my fraud claim XXXX and failed to properly investigate, also refused to reimburse my protected child support funds. 

These funds are essential for my childrens care. Way2Go failed to safeguard my account, allowed an out-of-state fraudulent reissuance, and violated consumer protections related to unauthorized transactions. 

I am requesting full reimbursement of the stolen funds, a written explanation of how my card was reissued without authorization, and confirmation that my account will no longer be exposed to fraud. 


Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE COLLECTION ACCOUNTS APPEARING ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME, AND I HAVE NO LEGAL OR CONTRACTUAL RESPONSIBILITY FOR THEM. THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED AND ARE INACCURATE. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), UNVERIFIED OR INACCURATE INFORMATION MUST NOT BE REPORTED.

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 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE COLLECTION ACCOUNTS APPEARING ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME, AND I HAVE NO LEGAL OR CONTRACTUAL RESPONSIBILITY FOR THEM. THESE ACCOUNTS HAVE NOT BEEN PROPERLY VERIFIED AND ARE INACCURATE. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), UNVERIFIED OR INACCURATE INFORMATION MUST NOT BE REPORTED.

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 non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding improper late payment reporting by Nationstar Mortgage for XXXX late payments reported for XX/XX/year> and XX/XX/year>. 
At the time these late payments were reported, my mortgage account was in an approved forbearance status. Payments made, deferred, or suspended under a valid forbearance agreement may not be treated as late or delinquent for credit reporting purposes. 
Violations of Federal Law 1. 15 U.S.C. 1666b ( a ) Timely Crediting of Payments A creditor may not treat a payment as late for any purpose if the payment is made in accordance with the terms of the account. While in forbearance, no payment was contractually due ; therefore, reporting late payments is improper.

2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information Nationstar Mortgage furnished inaccurate information by reporting late payments during an active forbearance period.

3. 15 U.S.C. 1681s-2 ( b ) Failure to Conduct a Reasonable Investigation Despite the accounts forbearance status, the late payments continue to be reported, indicating a failure to properly investigate disputed information. 
Summary of the Issue Account was in an approved forbearance No payments were due during the reported months Late payments were inaccurately reported for XX/XX/year> and XX/XX/year> The reporting is materially misleading and damaging my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Northwestern Mediation Services
State: TX

Complaint narrative:
I am being harassed at my work. They are calling my employer and giving personal information to my colleagues. They claimed to be with Northwestern Mediation.

Company response to consumer: Closed with explanation