vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Outstanding bill received from XXXX XXXX in the amount of {$100.00} on XX/XX/XXXX. Full amount was paid via Check to XXXX XXXX on XX/XX/XXXX. Confirmed with Bank that Check was cashed. Called XXXX XXXX XXXX, XXXX to confirm receipt of payment - confirmation was relayed. XX/XX/XXXX received a letter of collection from Transworld Systems Inc. attempting to collect {$110.00} on behalf of XXXX XXXX. Called XXXX XXXX on XX/XX/XXXX and spoke to Representative XXXX who confirmed the payment was received and to disregard letter from Transworld Systems. On XX/XX/XXXX received another letter from Transworld Systems again attempting to collect {$110.00} on behalf of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint regarding an unresolved dispute on a transaction totaling {$2500.00} made on XX/XX/XXXX for services that were not rendered. I initiated a dispute with Capital One and was informed that a chargeback process was submitted to the merchant on XX/XX/XXXX. Since opening the dispute, I have received no clear updates regarding the status, merchant response, or expected resolution timeline. Each time I contact customer service, I am told there is no additional information available. I have now been informed that the resolution may take an additional 34 months, which is causing significant financial hardship. I can not receive clear status updates, including whether the case is in merchant review, pre-arbitration, or arbitration. I am requesting a formal review of this delay, clear written status of the dispute stage, and expedited resolution or reconsideration for provisional credit due to the extended timeline and financial impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have the Chase Sapphire Reserve card which includes {$300.00} of dining credits, split half the year through. I wanted to spend my first half before it expired. I went into the Chase app, selected the card, went to Book a Table, followed the link to XXXX XXXX, and made a reservation. I paid with the physical card at the restaurant. Despite all of this, I did not receive a credit for the meal. I called Chase today and they said that was not a part of the rewards program. While on the phone, I opened the app and went through the same process twice and there were no special notifications ( aside from security ). The THIRD time I did ( today as I had already done this several times when I initially made the reservation ) it it brought me to a page saying that reward is not available in my area. I explained the whole thing to Chase. I went through their link. I wouldn't have picked that restaurant. It was a celebration- I wouldn't have purchased that much if I didn't have the credit. I paid with the physical card. I would have had no way to know which restaurants are included because there were no warning and nothing was marked. They would not budge on crediting that dining amount back. This is a credit card with a very high fee but the customer service doesn't match. After I hung up, I went back into the app to see where I actually could use the rewards. It connects to my location and there is not a way to change it to see all locations- just none by me- so I have no idea how I would even go about planning to use these rewards on travel. So, my current first half rewards expire in 20 day, there are no restaurants near me, I'm traveling but can't tell where they might be good for, and customer service says sorry, it's in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: CT

Complaint narrative:
To Whom It May Concern : I am responding to your communication regarding the debt referenced above. Pursuant to my rights under applicable debt collection laws, I am requesting validation of this debt. Please provide : The name and address of the original creditor. The amount of the alleged debt, including any interest, fees, or other charges. Documentation showing that I am legally obligated to pay this debt. Documentation demonstrating that your company has the authority to collect this debt. The date of the alleged debt and the date of the last payment, if applicable. Until you provide the requested validation, I dispute this debt and request that collection activities cease as required by law. Please communicate with me in writing regarding this matter.

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 2026-06-10 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: AL

Complaint narrative:
Creditor- Aargon Agency Inc Account-XXXX Opened-XXXX Balance- {$220.00}

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 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I submitted a federal Borrower Defense application on XX/XX/XXXX. My application has remained in In Review status for over three years without substantive updates, adjudication, or a timeline for resolution. During this period, I have repeatedly contacted both Federal Student Aid and my loan servicer seeking clarification regarding the status of my application, whether additional information was needed, the materially complete date of my application, and why interest has continued to accrue while my application remains pending. I have consistently been told only that the application is in review, and the Department of Education and loan servicer have each directed me back to the other regarding the interest accrual issue without providing resolution. I also attempted multiple times on XX/XX/XXXX to submit a complaint through the Federal Student Aid feedback portal, but each attempt returned an error stating the page was unavailable and unable to accept feedback submissions. I am requesting review of the prolonged delay, clarification regarding the applicable Borrower Defense regulations and materially complete date, and correction of any improperly accrued interest while my application has remained pending.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Late payment being reported it was never late XXXX XXXX was late making the payment but I did my part of making the payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Late payment being reported it was never late XXXX XXXX was late making the payment but I did my part of making the payment on time.

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 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Late payment being reported it was never late XXXX XXXX was late making the payment but I did my part of making the payment on time.

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 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I am disputing a rental debt that was later placed into collections and negatively reported to my credit file. I believe the amount is inaccurate, unfairly assessed, and was reported despite substantial documented dispute and conflicting lease language. My lease at XXXX XXXX ( managed by XXXX ) ended on XX/XX/year>. I fully paid rent, parking, and utilities through the lease end date and vacated the apartment on time in good condition. On XX/XX/year>, I informed property management in writing that I would not be renewing my lease. The property manager responded acknowledging my notice and thanking me for informing them. At no point was I told that my notice was insufficient, that additional action was required, or that I would incur an insufficient notice fee equivalent to approximately one months rent. In XX/XX/year>, management contacted me to request access to show my apartment to prospective residents after my move-out, demonstrating they were aware of and proceeding based on my planned departure. After move-out, I unexpectedly received charges related to an insufficient notice fee. I immediately disputed the charge in writing. The lease documents themselves contain conflicting notice language, with one section referencing a 60-day notice period and another referencing a 90-day requirement, creating ambiguity and confusion for a reasonable tenant. Despite my documented written dispute, management acknowledgment of my move-out notice, and the disputed nature of the balance, the account was later sent to collections and negatively reported to my credit profile. I disputed the reporting with XXXX, where the account remains marked as disputed by the consumer. I respectfully request a reasonable investigation into this matter. Given the documented dispute, conflicting lease language, acknowledgment of notice by management, and circumstances surrounding the move-out, I believe this collection reporting is unfair and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
the debt owe is XXXX for a furniture set that was charge off due to the company not fixing the broken wood and harassment calls from local store

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TN

Complaint narrative:
Transaction amount : {$3400.00} Transacton fees : {$1.00} Date of transfer initiation : XXXX XX/XX/year>. XXXX XXXX was credited from my bank to Abound 's bank : XXXX XX/XX/year>. Original date shown on the Abound app for remittance completion : XXXX XX/XX/year>. Current status : Transfer delayed. No ETA shown. Transfer was initiated on XXXX XX/XX/year>. A fee of {$1.00} was also charged. The Abound app showed quick transfer within 4 business days ( by XX/XX/XXXX ). Abound send a request for an instant payment and I approved it via XXXX XXXX XXXX and the funds were received by Abound same day. Just after XX/XX/XXXX, the status changed as " Processing '' and then it said " Transfer is delayed but the funds are safe and secure and the delay was notified and prioritized ''. I did not see any progress after few days so I first reached the Support chat on the app. There was no response, so I had to reach out via email. I got an immediate response from XXXX saying that it might take about 10-12 days and the money would be credited to my XXXX account by XX/XX/XXXX. I felt the delay was unjustified and since I need XXXX XXXX urgently, I did another follow up a couple days later. Now another person by name XXXX XXXX responded saying the funds should be deposited around XX/XX/XXXX. Reaching them on XX/XX/XXXX again, got an answer that they are working with their bank and should be done in 2-3 days and it is now that already.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am filing a formal consumer complaint against XXXX XXXX for a direct violation of the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005.11 ). On XX/XX/year>, XXXX XXXX customer service representatives explicitly refused to log and investigate a valid billing error regarding my XXXX Debit card, falsely claiming the issue was " not eligible for a dispute at their level. " Background of the Dispute : While on a road trip, I used my XXXX Debit card at an in-person retail cash register ( XXXX XXXX in Georgia ) on XX/XX/year>. The merchants physical signage explicitly stated that a 5 % " convenience fee '' applied to " credit card use. '' Despite this, the merchant applied a 5 % percentage-based surcharge to my debit card transactions, charging my account {$2.00} ( instead of {$2.00} ) and {$4.00} ( instead of {$4.00} ). Under XXXX own Merchant Operating Regulations, surcharging a debit card is strictly prohibited, and percentage-based " convenience fees '' are forbidden at standard face-to-face registers. The Violation by XXXX XXXX : On XX/XX/year>, I contacted XXXX customer service via the number on the back of my debit card to report these unauthorized overcharges ( {$0.00} and {$0.00} ) as an " incorrect transaction amount. " The XXXX representatives refused to process the dispute. The agents falsely informed me that because I did not dispute the charge in person at the point of sale, XXXX could not refund the surcharge fees. They instructed me that I must track down and contact the merchant directly to get a refund of the erroneous surchages, asserting that the issue was completely ineligible for a bank dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: TN

Complaint narrative:
I am writing to express my urgent concern regarding the status of our mortgage loan XXXX. Despite calling XXXX Loancare office daily, we have yet to receive a clear update and feel we have been left in the dark regarding our account. When our loan was transferred to XXXX Loancare company on XX/XX/XXXX, we were informed that our loan would reset and change effective, XX/XX/XXXX. However, we have received no confirmation or clarity regarding the signed and notarized documents that were mailed to our previous mortgage XXXX XXXX Mortgage company during the transfer process. Furthermore, while we were told that we were approved for financial assistance, no additional details or next steps have been shared with us. We are currently unsure of how to proceed with our mortgage payments and demand a clear explanation of our account status. We are deeply concerned about the potential for our home to be at risk due to a misunderstanding or the mishandling of this transfer. Please provide us with a comprehensive update on our loan account and the financial assistance for which we were approved.

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I initiated a balance transfer of {$5600.00} when opening my Citi XXXX XXXX card in XXXX of XXXX. The original balance transfer check was never received by the creditor XXXX. I called Citibank to investigate. Citi credited my account the {$5600.00} on XX/XX/XXXX. They said the check was lost so they sent a new check of {$5500.00} which posted to XXXX on XX/XX/XXXX. Then on XX/XX/XXXX the original {$5600.00} was charge to my citi account again. which increased my minimum payment to {$5500.00} because I was now over my limit. At this point the {$5600.00} was still never actually received by XXXX. Citi utilized my auto pay for the {$5500.00} because I was over my limit, resulting in me not being able to pay my mortgage. The original transfer was never received by XXXX and citi could never tell me where it went other than on their side someone cashed the check. I opened a dispute with citi with a case number XXXX. This all resulted in a duplicate balance transfer and placing me over my credit limit through no fault of my own. This error caused an inflated minimum payment of approximately {$4500.00} and potential credit harm. Citi still has given me no explanation to what happened. I spoke with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. Currently my citi account reflects that i have missed this payment because my minimum payment is still inflated. I have been paying them about {$200.00} a month, because that is what my minimum payment should be due to all of these issues. I want my minimum to go back down to what it should be and my credit report to no longer reflect I am over this limit. I am only over the limit due to citi bank 's error.

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 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I submitted written disputes and requests for validation regarding multiple accounts being collected and furnished by LVNV Funding LLC/Resurgent Capital Services . In my disputes, I requested documentation substantiating the alleged debts, including documentation supporting the balances claimed, ownership/assignment of the accounts, and documentation supporting the accuracy and completeness of the information being furnished. In response, the company provided only internally generated account summary documents and general correspondence stating they believed the accounts were accurate. The company did not provide substantive supporting documentation such as signed agreements, original account statements, complete chain of assignment documentation, or detailed accounting supporting the balances being reported and collected. Despite the lack of substantive validation documentation, the company continues asserting the accounts are accurate and collectible. I am requesting review of whether the company has provided sufficient documentation to support the continued collection activity and furnishing of these accounts to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX an email was received from Bank of America informing that a {$300.00} charge was declined. Upon calling the credit card dept and reporting that this charge was fraudulent, along with 2 other transactions earlier ( {$300.00} gas and {$300.00} minimart ), received a follow up email from BoA that said the claim request was received and now pending. ( First, I do not have a car big enough to fill $ XXXX worth. Every single gas station receipt will confirm this and Ive been a BoA member for MANY years. There is absolutely no transaction of this sort. Secondly, I was not even at this location and either cellular tracking or facial recognition will verify this 100 %. Third, I have my card on me and is not lost, there is no way that a chip was used or this fraudster knows my pin. The result of BoA investigation was that on XX/XX/XXXX the fraud dispute was denied. On XXXX I went to the bank in my town to talk to a manager. XXXX XXXX XXXX heard my case and reopened the claim. Also sent a police report to claim dept on XX/XX/XXXX. 3 weeks later on XXXX the claim was yet again denied for the same reasons : a chip was used, pin was entered, or merchandise/service was signed for. There is no shortage of evidence to support the fraud case but BoA is doing everything to not give this a fair review. It is appalling that their review process is so flawed and I have no recourse to escalate further.

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