vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Formal Complaint Re-Aging & Inaccurate Credit Reporting Subject : Formal Dispute Re-Aging of Charged-Off Account & Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting and repeated re-aging of my charged-off account by Navy Federal Credit Union XXXX 

I initially contacted Navy Federal while I was hospitalized undergoing XXXX for XXXX. During that time, I informed your representative of my medical condition and asked if there were any options available to help me keep my accounts in good standing. 

I was told by a branch representative that if I made a payment, my account would remain okay. After being discharged from the hospital, I went directly to a branch location and confirmed with the representative that making a payment would keep my account in good standing. I was assured, Yes, absolutely. 

However, after making the payment, I called Navy Federal while returning to the hospital and was informed by a phone representative that my account had already been closed. This directly contradicted what I was told in person. 

Since that time, Navy Federal has continued to reopen and update this charged-off account with negative information. The account appears to be repeatedly re-aged, and the First Date of Delinquency ( FDOD ) appears to change. The account is being updated with negative reporting to TransUnion on a recurring basis. 

Re-aging a charged-off account and altering the FDOD violates the Fair Credit Reporting Act ( FCRA ). The reporting of inaccurate, misleading, or repeatedly re-aged information is unlawful. 

I am requesting the following : Immediate correction of the First Date of Delinquency to reflect the true original date. 

Written confirmation that the account will no longer be re-aged or improperly updated. 

Investigation into the misleading information provided by branch staff. 

Removal of inaccurate negative reporting from all credit bureaus. 

Written validation of the debt, including full payment history and charge-off documentation. 

If these issues are not corrected immediately, I will continue to pursue complaints with the Consumer Financial Protection Bureau, my State Attorney General, and any other appropriate regulatory agencies. 

I am a member who reached out during a serious medical crisis seeking assistance in good faith. I am asking for fairness, accuracy, and compliance with federal law. Please NAVY FEDERAL let me live the rest of my life in peace. and stress free the last bit of life in me. 

Sincerely, XXXX XXXX XXXX XXXX Jade XXXX XXXX XXXX Tx, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
After receiving text message from RDAC on XX/XX/year> that our disputed debt with our apartment leasing office had been turned over to them for collections, I sent a certified, return receipt letter disputing this charge on XX/XX/year>. That letter was returned to sender, and received today ( XX/XX/year> ) and marked moved left no address unable to forward. This was sent within the 30-day window to dispute and request verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Student loan accounts from DOE AIDV were reported to my credit file without my written consent, violating FERPA regulations. I submitted a prior dispute to the credit bureau but received no evidence of authorized disclosure. This continues to harm my credit and breaches both FERPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On or about XX/XX/XXXX I became aware that propane was not being delivered to my vacation home. I had send {$290.00} on XX/XX/XXXX, {$250.00} on or about XX/XX/XXXX and {$400.00} to be received by XX/XX/XXXX. I contacted XXXX XXXX, XXXX XXXX, XXXX, XXXX ( Vendor ). They said they never received any of the payments I described. We then made a credit card payment in order to have propane delivered. I continued to work with XXXX. They needed a " cashed check '' number and could not search their database without it. 

I also contacted Citizens Bank online on or about XX/XX/XXXX. I put in a claim. I was told letters of " proof '' of payment ( the days the money left my account ) to XXXX. I called and they confirmed they received the " proof '' of payment letter. Without Citizens giving them proof of a CASHED check they could not research it. 

I went to Citizens Bank XXXX Bank XXXX and spoke with XXXX. He looked into it and sent the appropriate (? ) email. Next week the manger XXXX on Thursday the following week. On Monday XX/XX/XXXX I received a call from XXXX who said she would be working on the case. She gave me her direct line is XXXX to make me feel as though I knew she was trying to help me. She assured me should be get to the bottom of this. I believe I spoke with her the next day when she asked for my account number with XXXX. I provided that to her even though I explained I did this with XXXX already. 

I called XXXX numerous times that week with no response. I called again today, XX/XX/XXXX. She does not call back. 

I then called the XXXX, manager of Citizens, back and he said XXXX was looking into it. I explained that she does not return my phone calls. They are still trying to say that the funds went to XXXX and there should be a way to find the payments. I told them I spoke to XXXX at XXXX weeks earlier and she provided proof of no payments other than the credit card payment and subsequent payments that I made. 

To date I have Citizens on one side saying the money went to the vendor and the vendor saying they never received those 3 payments. 

I [ 've been a Citizens customer over 3 decades. I've used Citizens bill pay from its inception and never had a problem until they switched their bill pay provider late XXXX. The roll out has been disastrous. They sent me an initial gift card bc the system would be down for a week and another {$20.00} XXXX XXXX when I complained my XXXX XXXX payments kept coming back as undeliverable ( even though it was the same info I used for years ). 

It seems I am the only one without my own funds of {$940.00}. The new bill pay company they are using is paymentus ( not sure of spelling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Figure Technologies, Inc
State: VA

Complaint narrative:
Figure Lending forceplaced flood insurance on my HELOC without providing the required 45day notice. On XX/XX/year>, they added a {$180.00} lenderplaced policy even though I had active flood insurance the entire time. 

I consented to receive electronic mail, yet they sent no notice through electronic mail or postal mail, which violates 42 U.S.C. 4012a ( e ) and 12 C.F.R. 339.7 / 208.25 / 22.7. These violations carry civil money penalties of up to {$2000.00} per violation, per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
I have a settlement in place for XXXX XXXX XXXX XXXX ( enrolled XXXX however with fees it grew to over XXXX ) enrolled in 2019 XXXX XXXX XXXX  was unable to settle, and XXXX XXXX XXXX  ( XXXX XXXX XXXX ) sued for full amount. 

The payments have been made via XXXX XXXX XXXX They had to reinstate the payments several times due to my own hardships and falling behind, however they never truly settled for anything less then my original balance. 

They are tacking on XXXX in settlement fees after the last settlement and it displays as if they settled XXXX off of amount .. they DID NOT. I payed that entire difference. 

I have called, they can not explain the fees nor understand that it is a reset settlement. 

They claim I only have XXXX left in fees ( why even that? ) They refuse to answer me in writing and provide a breakdown and push me to call, even though I have now done so and they can not give me an explanation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing a complaint with Citi. I closed my credit card within 60 days of the annual fee {$95.00} charge. I called the Citi contact number XXXX on XX/XX/XXXX to ask for the refund. The agent confirmed my eligibility for the refund and asked me to call the number again after a few days post account closure for a refund check. I followed the instructions and made another call on XX/XX/XXXX. This time a different agent told me that I'm not available for the annual few refund. The inconsistent information is very misleading and wasted consumer 's time and energy. The XXXX agent acknowledged the promise made by the first agent and promised that the Citi complaint team would reach out to me within two business days to address the problem, However, I have never received any email or calls from Citi since then.

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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I purchased 2 subscriptions - Transaction IDs : [ XXXX - on XX/XX/year> and XX/XX/year>. 
This purchase was made under the clear impression, and per XXXX 's 45-day cancellation policy, which states that if I ( buyer ) was not satisfied with the services, I could cancel for a full refund. XXXX is reluctant to refund my money in the amount of {$140.00}. 

I contact mny bank, Paypal, for them to issue me a refund based on my cancellation that was made within 10 days of purchase, which is within XXXX XXXX 45-days cancelation policy. Per PayPal request, I submitted XXXX XXXX 's 45-day Cancellation Policy, and also, my request for cancellation email was sent to XXXX XXXX XXXX XX/XX/year>. 

PayPal is also refusing to refund my money without giving me a reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 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: ID

Complaint narrative:
On Thursday, XX/XX/XXXX, I received an email listed as postmark to verify my postmark account. I followed the link in the email and provided information to verify my account. {$320.00} was taken out of my Chime account by something called XXXX without my authorization and Chime denied my dispute. That money was not authorized to be taken from my account and the email was not from poshmark ; it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/year> I contacted CareCredit regarding a deferred interest promotional balance. I was told by a representative that if I paid the quoted payoff amount " {$1600.00} '' that day, all deferred interest would be removed and my account would be paid in full. I made the payment immediately and my account reflected a XXXX balance. 

After this, CareCredit/Synchrony added {$780.00} in interest back onto my account on XX/XX/year>. Contradicting what I was told. I have since been charged ongoing interest on this amount. 

I attempted to resolve this by phone but experienced excessive wait times and unhelpful service. I am requesting a full adjustment removing the remaining balance and any associated interest, in accordance with the payoff agreement made in XXXX. I also request review of the recorded call where the payoff terms were provided, they said they could not provide me with the recording.

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 2026-02-17 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: Americor Funding, LLC
State: NC

Complaint narrative:
I obtained a loan with Credit9 in XX/XX/XXXX in the amount of {$19000.00} at an APR of 20.49 %. On XX/XX/XXXX, I was ordered to XXXX XXXX with the XXXX XXXX XXXX 

On XX/XX/XXXX, during a financial readiness briefing, I was informed of my rights under the Servicemembers Civil Relief Act ( SCRA ), including the statutory 6 % interest rate cap on qualifying pre-service financial obligations during periods of XXXX XXXX. Upon learning of these protections, I promptly contacted Credit9 to request application of the XXXX interest rate cap retroactive to my XXXX XXXX start date of XX/XX/XXXX. 

Credit9 informed me that although I qualify for SCRA protections, they would not apply the 6 % interest rate cap because the loan has already been paid in full. I requested written documentation citing the legal or policy basis for denying retroactive SCRA relief on a paid loan, but to date, no such documentation has been provided. 

The SCRA requires creditors to reduce the interest rate to 6 % during the period of XXXX XXXX upon proper notice and to forgive, not defer, interest above 6 %. The statute does not state that eligibility is voided simply because the loan was paid off before the servicemember became aware of their rights. If I was eligible during my period of XXXX XXXX, I believe I am entitled to a retroactive interest rate adjustment and a refund of any interest charged above 6 % from XX/XX/XXXX, through the payoff date. 

I respectfully request a review of this matter, including : A determination of whether Credit9 improperly denied SCRA relief A recalculation of interest at the 6 % rate from XX/XX/XXXX, through the loan payoff date A refund of any excess interest charged above the statutory cap Written documentation explaining the basis for any denial As an XXXX XXXX servicemember, I am seeking enforcement of the protections afforded to me under federal law.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
In effort to lower my XXXX bill, XXXX suggested I open a visa Synchrony account to be able to receive a discount. I was UNABLE to complete the application due to the fact that I dont have mobile banking. Apparently the next bill I received in the mail came from the said visa company, which I paid thinking I was paying my regular phone bill not realizing that I was actually making a payment to said XXXX account. After almost a year of them continuing to call and text my phone multiple times a day, looking for payment that does not match the XXXX account payment and should not even be opened or owed in the first place, I can continue to get promises with no resolution

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I disputed a transaction on my CashApp XXXX XXXX, issued by Block Inc., because I returned an item to XXXX which was not what I ordered, and never received a refund. I provided supporting documentation, including tracking, which showed the item had been returned quite some time ago. The dispute was immediately denied within 12 hours with no explanation, per the usual with Block Inc. The only information in the email they sent me was based on the information available to us, our investigation has led us to determine that the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied. I contacted Block Inc. by phone at this point because their email states You can reach out to Support for the documents we relied on to make this determination at any time. And of course, they never provided any documentation as requested. This was after the representative conceded ( on a recorded call ) that they saw the information I provided, and that it showed the item had been returned to the merchant, and that I was owed a refund. I appealed the decision on XX/XX/year>, again providing information showing that the item had been returned and that the representative acknowledged such, and stated I was owed a refund. Per typical Block Inc. support, the dispute was again immediately denied within a few hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding a Capital One XXXX credit card transaction that was classified as a cash advance without clear disclosure at the time of purchase. 
I used my card to pay for services through XXXX. XXXX disclosed its 3 % credit card processing fee. However, Capital One processed the transaction as a cash advance and charged a {$5.00} cash advance fee and immediate interest. 
At no point during the transaction process in the Capital One app was I clearly warned that this would be treated as a cash advance rather than a purchase. 
When I contacted Capital One customer service, I was told : This classification can not be changed No courtesy credit can be issued No one in the institution can override the fee There is no way to submit a written dispute through the app for this transaction I am requesting : Reversal of the {$5.00} cash advance fee Reversal of any associated interest Clear written disclosure of how XXXX transactions are classified Clarification as to why no dispute option exists for these transactions I believe consumers should receive transaction-level disclosure when a charge will be treated as a cash advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX a person hacked my XXXX account and changed all my information to their personal information in order to receive a code and be able to pick up an order at a XXXX store. The purchase was {$540.00}. I have reached out to my bank and they are not willing to refund me the money and was told to process the refund through XXXX. I have called at least XXXX times, filed a police report, talked to loss prevention and have verified the person picking up was not myself. I am still no closer to getting this refund even after all the proof of fraud on my end. XXXX at a loss right now I live paycheck to paycheck and this has financially burdened me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I was talking to a customer who wanted to buy my art from me, when I requested the amount from them my account immediately got permanently limited and I am now no longer able to assess my funds for a long time. I was never given a reason why my account was banned just vague information. 
My account currently is holding {$40.00}

Company response to consumer: Closed with explanation