vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent information currently appearing on my credit report, in accordance with 15 U.S.C. Section XXXX of the Fair Credit Reporting Act ( FCRA ). Despite multiple prior disputes and the supporting documentation already provided, this account continues to be reported, which constitutes a violation of federal law. Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC Report Number : XXXX ) .as evidence of identity theft. Pursuant to 15 U.S.C. Section XXXX, once an identity theft report is received, a credit reporting agency is required to block the disputed information within XXXX ( XXXX ) business days. This obligation has not been met. The accounts that must be blocked and removed immediately are : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX These accounts do not belong to me and is the direct result of identity theft. Other credit reporting agencies have already deleted these accounts after being unable to verify its legitimacy. Additionally, the furnisher has failed to provide any signed agreement or verifiable documentation for more than XX/XX/XXXX days, confirming that these accounts can not be validated. Nevertheless, EQUIFAX continues to report these accounts, knowingly allowing inaccurate and harmful information to remain on my credit file. This ongoing failure to remove the fraudulent accounts has resulted in significant financial and personal harm, including credit denials and the inability to pursue essential financial goals such as home ownership. I respectfully request that the Consumer Financial Protection Bureau review this matter and ensure compliance with federal law by requiring that this fraudulent account be blocked or removed immediately, and that confirmation of such action be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: AL

Complaint narrative:
I opened an account through an advertisement link which stated that I would be eligible for a total bonus of {$350.00} if I received XXXX qualifying direct deposits of {$200.00} or more in the next 3 months. The bonus was meant to be paid in XXXX installments ; {$100.00} for the XXXX month, {$100.00} for the XXXX month and, {$150.00} for the XXXX month. However, upon the first {$200.00} deposit entering my account, I didn't receive the XXXX {$100.00} bonus so I called Chime but they said that no new customer sign up offer is on my account. This is despite me sending them an email directly showing them the link I signed up with. They always said they could not retroactively add the offer. Effectively, the complaint is for false/misleading advertisement. This is the link to the offer : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXXXX/XX/XXXXXXXX Subject : Formal Complaint Against LVNV Funding LLC Account XX/XX/XXXXXXXX To Whom It May Concern, I am submitting this formal complaint against LVNV Funding LLC regarding inaccurate and unverified information being reported on my consumer credit report. The account in question is listed as follows : Creditor : LVNV Funding LLC Account Number : XXXX Reported Balance : {$1100.00} I have disputed this account directly with the credit reporting agencies ; however, LVNV Funding LLC has failed to provide proper validation of this alleged debt as required under federal law. This lack of verification raises serious concerns about the accuracy and legality of the reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), I have the right to a complete and accurate investigation of any disputed information. Additionally, under the Fair Debt Collection Practices Act, a debt collector must provide validation of a debt upon request. LVNV Funding LLC has : Failed to provide sufficient evidence that this debt is valid and belongs to me Failed to provide documentation bearing my signature or contractual obligation Continued reporting this account despite lack of proper validation Potentially violated federal consumer protection laws by reporting inaccurate information Because of these issues, I am requesting that the CFPB conduct a thorough investigation into LVNV Funding LLCs practices and require them to : XXXX. Provide full and proper validation of the alleged debt, including original creditor information and signed documentation XXXX. Cease reporting this account to all credit bureaus if they can not verify its accuracy XXXX. Remove the account entirely from my credit reports if it can not be validated This inaccurate reporting is negatively impacting my creditworthiness and financial opportunities. I expect a prompt and fair resolution to this matter. Please keep me informed of the status of this complaint and any actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions bank advertised {$300.00} for opening an account, I did but they refuse to give me the XXXX XXXXXXXX

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Last week with Chase Bank, I specifically told them that I acknowledged my bill, due to the harassing phone calls constantly, I told the woman to place me on their DO NOT CALL LIST. I then received a phone call today, not too long ago. So, I called back and recorded the entire phone call. I explained to the agent and his supervisor, XXXX, what happened and that I am reporting this to the XXXX. I still have the audio recording, and I want them to be liable and paid for this phone call. The supervisor said he will cease the calls and only do mail correspondence, and I responded that I do not accept or acknowledge this now, when this should have been done. Chase has proof in the call logs since all calls are recorded. I have this conversation recorded as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is currently holding {$22000.00} from my account related to a legitimate transaction that was paid through a wire transfer. The wire transfer cleared and was fully posted to our account before the goods were delivered, which follows our standard business protocol. We operate a luxury watch business and regularly send and receive payments via wire transfer. As part of our standard process, we always wait for funds to clear before shipping any merchandise, which we did in this case. Weeks after the transaction was completed and the goods were delivered, the sender began claiming that the wire transfer was fraudulent. However, we have provided documentation demonstrating that this was a legitimate transaction. The description included in the wire transfer matches the invoice for the goods that were purchased and delivered, and we also provided delivery confirmation and other supporting records. On XX/XX/XXXX, when this issue first arose, I submitted all supporting documentation to the email address provided by Bank of America. Despite providing this information weeks ago, I have not received any updates regarding the status of the review. When I recently contacted the bank for an update, I was informed that nothing had been entered into the system and that the documentation I submitted had not yet been reviewed. This situation is extremely concerning. Bank of America is holding a significant amount of my business funds while, according to their own representatives, the documentation submitted to resolve the matter has not even been reviewed or recorded in the case file. It is alarming that funds can be restricted for weeks while the supporting documentation provided by the account holder appears to have gone unexamined. Given that all requested documentation was submitted on XX/XX/XXXX and clearly demonstrates that this was a legitimate transaction, I respectfully request that this matter be reviewed immediately and that my funds be released as soon as possible.

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 monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I am receiving conflicting information regarding my care credit payments and interest. I was never openly told that I had a promotional and non promotional balance. This was only discovered after I inquired why my interest charge was higher XXXX month than the previous. I was told by a live chat agent ( chat session # XXXX ) that I had a non promotional balance of {$110.00} dollars and the interest accruing on that caused my interest charge to be higher this month. I then called the company the following week to pay the non promotional balance is full and was told by that agent that I could only make the payment on the non promotional payment between the XXXX and the XXXX of every month. I then called today ( XX/XX/XXXX ) to make that non promotional balance payment and was told that my regularly scheduled payment had been applied to the non promotional balance. I then reached out to another chat agent ( chat session # XXXX ) who was unable to identify why this specific payment was allocated with out my approval to the non promotional balance without my authorization or approval. I also spoke with a supervisor who was also unable to explain how or why my payments were allocated in this manner and without my knowledge.

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 2026-04-09 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: TX

Complaint narrative:
Incident Description : On XX/XX/2026, XXXX XXXX entered a dressing room at XXXX in XXXX, XXXX, to change clothing. Upon exiting the dressing room briefly to check her appearance in a mirror, she left her personal belongings inside. When she returned moments later, her cellular phone was missing. Later, on the evening of XX/XX/2026, I, XXXX XXXX observed an unauthorized transaction in the amount of {$3000.00} conducted through my XXXX XXXX account. The transaction was reportedly processed in XXXX, XXXX. I contacted XXXX XXXX regarding the unauthorized transaction and was advised to contact her bank to stop the payment. I subsequently contacted Chime Bank via chat support and was informed that I would need to wait until the transaction was no longer pending before further action could be taken. I waited until it wasnt pending on my account anymore and called Chime support. A dispute was placed and I was denied. I am unable to make my rent payment due to someone hacking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
We secured our mortgage XX/XX/XXXX with our first mortgage payment being XX/XX/XXXX of XXXX the amount of {$1900.00} we reviewed our account and in XXXX our mortgage went up XX/XX/XXXX our mortgage went up again XX/XX/XXXX our mortgage has gone up again according to Rocket Mortgage our escrow account fell short they claim taxes and homeowners insurance went up. I told them taxes have not been touched and our insurance had gone down. They said we had a short fall and we had to pay the difference. I told him I have an amortization schedule for the next XXXX years of paying XXXX {$990.00} with it going down approximately {$100.00} every XXXX they tell me that was for principal and interest only I told him they were wrong now my mortgage over {$2500.00} we are both on limited incomes. Our Social Security pays our mortgage, which should be {$1900.00} which we can not afford the increase of another {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: VA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
I called MOHELA in XXXX of XXXX asking to speak to someone about why my federal student loans through them had not been XXXX after receiving confirmation from the department of education in XXXX and final approval in XXXX of XXXX. I was asked to upload screenshots of the emails received that included my borrower defense discharge case number. I uploaded screenshots and never received anything further from them other than my loan was placed in forebearance. It has now been over a year since I spoke to MOHELA and they have done nothing.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am requesting a goodwill review of a {$1600.00} deferred interest charge applied to my Lowes Synchrony credit account on XX/XX/XXXX. I understand the terms of deferred interest ; however, I was unaware that I had a remaining balance at the end of the promotional period and missed the XXXX grace period deadline of XX/XX/XXXX by 15 days. When I contacted Synchrony Bank, representatives confirmed that this charge could have been waived had I contacted them within the grace period. This indicates that the charge is subject to discretionary adjustment. I understand the policy and am not disputing the terms. However, given how close I was to the grace period deadline and the size of the charge, I am simply requesting a reasonable, one-time goodwill exception. I have consistently made all required payments on time and have never missed a payment since opening this account. I have acted in good faith and maintained a positive payment history throughout. Upon discovering this issue, I made a {$3000.00} payment on XX/XX/XXXX toward my current balance of {$7700.00}, which includes the interest charge, to demonstrate my commitment to resolving this balance. Given these circumstances, I am requesting a one-time goodwill adjustment or partial reduction of the interest charge. I am willing to continue making substantial payments or pay off the remaining balance immediately if an accommodation can be made. I value the relationship and hope a fair resolution can be reached.

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 monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Portfolio Recovery Associates Account No. XXXX To Whom It May Concern, I am filing this formal complaint against Portfolio Recovery Associates regarding an alleged debt they claim I owe in the amount of {$480.00}, associated with account number XXXX. I dispute the validity of this debt in its entirety. Portfolio Recovery Associates has failed to provide adequate verification of this alleged account as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681. Despite my request for proper validation, I have not received sufficient documentation to prove that this debt is mine, that the amount is accurate, or that Portfolio Recovery Associates has the legal authority to collect on this account. Additionally, this account may be inaccurately reported on my consumer credit reports, which is causing harm to my creditworthiness. Under federal law, I am entitled to fair and accurate reporting, and any unverifiable or incorrect information must be removed. I am requesting the following actions : 1. A full investigation into the practices of Portfolio Recovery Associates regarding this account. 2. Proper validation of the alleged debt, including original creditor information, signed agreement, and full payment history. 3. Immediate deletion of this account from all credit reporting agencies if it can not be properly verified. 4. Confirmation that all collection activity will cease until proper validation is provided. Please note that failure to comply with federal laws governing debt collection and credit reporting may result in further legal action. I appreciate your prompt attention to this matter and request a written response detailing the outcome of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I am employed with XXXX XXXX XXXXXXXX XXXX and I am on my second shutdown. I began requesting assistance with my mortgage company ( PHH now Onity ) in XX/XX/XXXX. This began a cycle what feels like hundreds of calls to this company in the process to see what information they are seeking for their underwriters-who do not take any communications. I am always looped to the XXXX when I call and have to request the US. Depending on who I speak to in which country, I receive different information. They had a completed packet and and application on XX/XX/XXXX which included my XXXX pay stubs which then became " outdated '' ( not within 90 days ) when they decided to finally look at it in XX/XX/XXXX. This has started a whole new back and forth with ridiculous questions asking for " clarification '' that no one on the phones can really explain with they were asking. We finally figured it out after a month, and I am convinced they have bots doing this because no reasonable person would have that kind of difficulty reading a pay stub. I am now six months in with no resolution in site. I have paid my mortgage on time consistently in the past and only have a few years left on the loan. I have been treated very poorly in this situation.

Company response to consumer: Closed with explanation