vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Byrider Franchising, LLC
State: TX

Complaint narrative:
I have a parent who shares my name, and I believe he used it to get multiple cars. I'm currently in the military and would like this cleared off my credit before I am XXXX. XXXX. NAME : CNAC/XXXX ACCOUNT # XXXX, AMOUNT OWED : {$9800.00} Date opened : XX/XX/XXXX XXXX. Name : XXXX XXXX : account # XXXX, amount XXXX, date opened XX/XX/XXXX XXXX. Name : XXXX XXXX XXXX ACCOUNT # XXXX, DATE OPENED : XX/XX/XXXX, AMOUNT CHARGED OFF {$7600.00}, BALANCE : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had an estate account for my late father where I was the executor. I closed the account when all monies were handled and I later received an additional life insurance check. When I presented this check to the XXXX XXXX Chase branch, I was instructed to reopen the estate account and provide all required documentation, which I did in full compliance in XX/XX/year>. Chase accepted and deposited the funds into the newly opened estate account. However, shortly thereafter, the account was frozen and I was informed that additional documentation, including an updated XXXX of XXXX, was required. Despite months of effort to resolve this issue, I was unable to regain access to the funds. Subsequently, Chase closed the account and issued a cashiers check. Critically, this check was issued without my name listed as executor or c/o payee, rendering it non-negotiable and preventing me from depositing or accessing the funds. I have made multiple attempts over the last XXXX months to resolve this matter through your internal channels, including : XXXX ( Complaints and Escalations ) XXXX ( Customer Service ) In-person XXXX XXXX XXXX XXXX with XXXX XXXX and XXXX Roden XXXX XXXX efforts, Chase has XXXX to correct its error and has refused to reissue the check properly. This situation constitutes negligence and a failure to return estate funds in a usable form. A cashiers check that can not be negotiated does not satisfy Chases obligation to return funds to the rightful party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX, I closed on a home loan with loanDepot ( Loan Reference : XXXX ). Upon reviewing my closing documents, I discovered that my employment section contained an employer I never provided, never worked for, and never authorized to appear on my application : XXXX XXXX XXXX XXXX, a law firm in XXXX XXXX, New Mexico. This entry carried a fabricated employment period of XX/XX/XXXX through XX/XX/XXXX, which directly caused my application to reflect " 8 years '' in my line of work an inflated figure I did not provide. I raised these concerns with loanDepot representatives prior to closing and again at the closing table on XX/XX/XXXX. I was told the corrections would be made and was directed to continue signing. The corrections were never made. My realtor has confirmed in writing that he witnessed me raise these concerns at closing. In XX/XX/XXXX, I began formally requesting that loanDepot correct my file and explain how this unauthorized employer entry appeared. A loanDepot loan consultant responded in writing on XX/XX/XXXX, confirming that all three employers, including XXXX XXXX XXXX, were present on my initial e-signed application as of XX/XX/XXXX, before closing. This means the unauthorized entry was inserted into my application before I ever signed anything, and was not corrected despite my repeated objections. Additionally, the Verification of Employment for my actual employer, XXXX XXXX XXXX XXXX, is listed as verified in my loan file. I contacted my employer directly, and he confirmed in writing that he has no recollection of being contacted by loanDepot to verify my employment. I have requested documentation of how, when, and by whom this verification was conducted. No explanation has been provided. The loanDepot representative who handled my closing, XXXX XXXX, is no longer employed by the company. My concern was subsequently routed through multiple loanDepot representatives over several months before being escalated to their VP of Customer Experience in XX/XX/XXXX, who acknowledged the matter had been referred to Legal and Compliance. To date, loanDepot has not explained how an employer I never provided appeared in my federal loan application, has not corrected my file, and has not responded to my demand for restitution. I have issued a formal 30-day demand for payment of the full closing amount, with a deadline of XX/XX/XXXX. I am filing this complaint because an unauthorized employer entry in a federal mortgage application is a serious matter that affected the integrity of my loan, my qualification profile, and my legal exposure as a borrower. I did not provide this information ; I objected to it in writing and in person, and it has never been corrected or explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Asked for info regarding payment deferral, forbearance, goodwill adjustment, account retention, rate reduction. I told them I DO NOT want a charge off option. Was not given any specific options other than a " someone will call you back '' and a credit counseling phone number ( which I called already ). I explained I wanted a timely answer as they had already reported me as delinquent to the credit bureaus and that I lost additional funding due to their reporting and that I didn't want additional delinquencies from being 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 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I worked for XXXX and a half months in the XXXX as a XXXX and had a Chase account for my paychecks, before leaving the XXXX I linked an external account ( also mine ) so I could transfer my money to another bank, XXXX that i would be able to use in XXXX ( where Im currently traveling right now ) and XXXX ( where Im based ). In New York before leaving I stopped by a XXXX branch to ask if I could transfer my money abroad and they said yes, and I tried to do the transfer even before leaving, but it didnt follow through, so arriving in XXXX XXXX tried again and my app was restricted. When i tried to call XXXX, they made the security checking and I did everything, except for the last XXXX transactions, because I didnt have access to the app to know exactly and they blocked my account and said I would have to go to a branch to reopen it or my account would be closed in XXXX days. I told them I cant go to a branch because I already left the XXXX and they said they would send me a check in the address I have on file ( the housing of my last job ) after the account is closed and that there was nothing I could do in that time. In the next day I received an email saying that I received an statement in the app that I should read, but since I dont have access to the account anymore I called them again, and this time I couldnt get any information about my account, if its already closed or not, when the check is arriving, if Im gon na get an email telling me anything and thats really scary because the phone now is the only way of contacting I have with the bank and I had more than XXXX dollars and the account and that was all of my money, so now Im in XXXX with no money, and no way to get in touch with Chase XXXX I need my money and I need more information, since Im not living in the XXXX anymore to receive the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i dont owe this account i was trying to reach the company for debt validation to see if it was mine but they never answered

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
i dont owe this account i was trying to reach the company for debt validation to see if it was mine but they never answered

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account was closed because they claimed I violated the terms of condition. I appealed the process twice and they were not able to reinstate my Cash App account. I requested a reason why my account was closed and for them to explain how I violated their policy and they claim they can not tell me what I did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: GA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX XXXX in XXXX for actions that have caused longterm financial harm and prevented me from accessing my academic records for more than XXXX years. I attended XXXX XXXX from approximately XXXX as an accounting student, earning XXXX credit hours with about a XXXX XXXX. I was unable to complete my degree after being told my financial aid was exhausted. As a single mother with no income, I sought help from the XXXX office and advisors to finish the remaining XXXX credits required for graduation, but no support or solutions were provided. My advisor had directed me to take courses unrelated to my program, such as geriatrics, which used my limited financial aid but did not count toward my degree. This improper advising directly contributed to my inability to graduate. For decades, XXXX XXXX has refused to release my transcripts due to an alleged balance. On XX/XX/year>, I followed their instructions and requested my transcript through Parchment. After paying the required fee, my request was canceled because XXXX XXXX could not locate or match my records. This raises serious concerns about their recordkeeping and their longstanding refusal to release my transcripts. Because I could not complete my degree or transfer my credits, I have been unable to secure employment in my field. My original {$8000.00} student loan has grown to more than {$47000.00} due to accumulated interest at 8.75 %. This financial burden is directly tied to XXXX XXXX actions, improper advising, and refusal to release my records. I request CFPB review this matter, including the financial harm, transcript withholding, and potential violations related to student loan impact and institutional practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I am submitting a complaint regarding inaccurate and incomplete credit reporting on an account listed under OneMain Financial. The account is reported as an unsecured installment loan with a balance and past due amount of {$3200.00} and is marked as a charge-off. However, the information being reported appears to be incomplete and potentially inaccurate. Specifically : * The account responsibility is listed as XXXX, which is unclear and does not properly identify my legal obligation. * The Date of Last Activity is missing. * XXXX account details, including full payment history and closure information, appear incomplete or inconsistent. * The reporting does not provide sufficient detail to verify the accuracy of the balance or charge-off status. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be complete, accurate, and verifiable. I am requesting that OneMain Financial and the credit reporting agencies : XXXX. Provide full verification of this account, including complete payment history and account records XXXX. Clarify and correct the account responsibility designation XXXX. Provide the Date of Last Activity and all relevant reporting dates XXXX. Verify the accuracy of the balance and charge-off status If this information can not be fully verified or corrected, I am requesting that this account be removed from my credit report. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA XXXX ( XXXX U.S.C. XXXX ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA XXXX & XXXX. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have been an American Express customer since XXXX and have consistently maintained my accounts in good standing, with a strong record of on-time payments and responsible usage. Approximately XXXX weeks ago, I noticed that XXXX identical payments had been initiated from my bank account toward the same American Express account. Wanting to avoid a returned payment, I proactively contacted American Express customer service and was advisedafter confirming multiple timesthat the best course of action would be to contact my bank and cancel XXXX of the duplicate payments. I was specifically reassured that taking this action would not negatively impact my account or trigger any issues. Following these instructions, I contacted my bank. Unfortunately, instead of canceling just XXXX payment, both payments were canceled. As soon as I realized this, I submitted a new payment to ensure my account remained current. Unbeknownst to me, the bank flagged this subsequent payment as another duplicate and returned it as well. As a result, multiple returned payments were recorded on my account. Shortly thereafter, all of my American Express accounts were closed, despite my efforts to resolve the situation properly and in good faith, which were based entirely on guidance from an American Express representative. I escalated this to your XXXX XXXX department, and a representative reviewed the original call and confirmed that I followed American Express 's instructions. Despite this, my appeal was denied without a clear explanation. This outcome is both confusing and deeply frustrating. At no point did I act negligently or in bad faith ; on the contrary, I took proactive steps to avoid the very issue that ultimately occurred, relying on the advice of American Express. Given my history and the circumstances, I respectfully request a reconsideration of this decision and the reinstatement of my accounts. As the issue stems directly from guidance I received from American Express. I'd appreciate your time on this, and I am happy to provide any additional documentation or details you need to assist with your review. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
CFPB This is Way biggest than we can ever imagine possible This is The Biggest Ever Government Crime White Collar Red Dress Money muling laudering, Yes Sir OH MY XXXX XXXX XXXX XXXX, Is big time XXXX XXXX XXXX Wells Fargo. Bank. This is 30 years OUT OF control Government Accountability The Direct. I'm being Blocked from in all. HELP

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX and Equifax violated my rights as a consumer under XXXX XXXX XXXX and i need these inquires blocked and deleted from my credit report within XXXX days of receiving this ftc report XXXX fcra law XXXX. Remove XXXX account XXXX date XXXX XXXX XXXX, remove inquiry ; syncb XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: TN

Complaint narrative:
On XX/XX/year>, I received a communication from MRS BPO , LLC, claiming I owe {$730.00} on a XXXX XXXX account. I dispute this debt in full. I request immediate validation under the Fair Debt Collection Practices Act ( FDCPA ), including a complete, itemized statement showing all charges, fees, interest, and how the total {$730.00} balance was calculated. I need this documentation to determine whether the debt or the additional charges are accurate. I have contacted XXXX XXXX regarding this account, and any unverified or incorrect charges should be removed or corrected with XXXX immediately. MRS BPO must cease all collection activity until proper validation is provided. If MRS BPO can not provide full itemized verification of the debt, I request : XXXX. XXXX removal of the account from all credit reporting agencies. XXXX. Written confirmation that the debt will not be pursued or reported further. XXXX. Correction of any inaccurate charges with XXXX XXXX. This request is made under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, which requires a debt collector to provide written verification of a disputed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I took out a personal loan on XX/XX/year>. The loan was for {$3000.00}. I discovered that the rate was 159.33 % on loan number XXXX. I reside in TX and the maximum rate is 12 % At the end of the loan, I would have paid {$5300.00}. This is not an installment loan. It is a payday loan. The company asks you when you get paid and then your payment due dates are set around that unless you request a different date. I am deeply concerned that I have been subjected to predatory lending practices. I am requesting that the CFPB investigates the actions of this lender as this payday loan should be void. I am also seeking relief from further collection activity related to this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Greetings, I am submitting a complaint regarding dispute handling by Goldman Sachs, the issuer of the Apple Card, in the amount of {$300.00}. My hotel reservation was never confirmed or delivered, and the service was not provided, yet multiple disputes were denied despite verified medical documentation showing I was unable to travel due to a serious medical emergency. On XX/XX/XXXX, I booked a prepaid hotel reservation through a travel agent for a XXXX property ( Spark by XXXX ) XXXX with check-in on XX/XX/XXXX. Later that day, I was admitted to the emergency room for approximately XXXX hours and diagnosed with a highly contagious upper respiratory XXXX and XXXX. I was placed on mandatory bed rest and instructed not to travel. A follow-up evaluation on XX/XX/XXXX, confirmed I remained medically unfit to travel. Both my travel agent and I contacted XXXX corporate, which advised that a refund should be granted. The individual property refused and only offered rebooking. I was not made aware of any third-party terms or agreements affecting the reservation. I filed a dispute with Goldman Sachs XXXX Apple Card ) on XX/XX/XXXX ( Case # XXXX ), which was denied. I submitted additional documentation and requested reinvestigation on XX/XX/XXXX, and XX/XX/XXXX ( Case # XXXX ). I formally challenged the denial on XX/XX/XXXX, and requested escalation on XX/XX/XXXX. Despite multiple submissions, the disputes were denied without explanation. Because I could not find an escalation contact at Goldman Sachs, I escalated the matter on XX/XX/XXXX, by emailing XXXX XXXX leadership, including the CEO. I am also concerned that demographic information in my account XXXX have influenced dispute handling, and I request confirmation that age, race, or other protected characteristics were not a factor. Separately, on XX/XX/XXXX, a fraudulent transaction totaling {$1000.00} was denied despite a police report and supporting evidence, suggesting a potential pattern in dispute handling. I am requesting : * A full reinvestigation with proper consideration of all submitted documentation. * A clear explanation of how evidence, including medical documentation, is evaluated. * Confirmation that disputes were handled in compliance with fair lending and anti-discrimination standards.

Company response to consumer: Closed with explanation