vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an account that was opened without my knowledge or authorization. On or around XXXX or XX/XX/XXXX, I became aware of this account after [ I got a late notice of payment. I did not apply for or consent to this account, and I have never signed any documents authorizing its creation. After discovering the issue, I took the following actions : On XX/XX/XXXX, I contacted the company to dispute the account and reported it as unauthorized. On XX/XX/XXXX, I requested verification of the account, including any application or signed agreement. On XX/XX/XXXX, I filed a dispute with the credit bureaus. As of now, the account [ remains on my credit report/ has not been properly resolved/ continues to be reported inaccuratelyadjust as needed ]. This situation has negatively impacted me by [ denied credit, lowered credit score, stress, etc. ]. I am requesting that the company : Investigate this matter thoroughly Provide proof that I authorized this account Remove the account from my credit report if it can not be verified as mine I have made good faith efforts to resolve this issue directly, but it has not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
jpmcb - charge off XXXX in XX/XX/XXXX never sent me a XXXX and still reporting negative reporting to credit and not validation after several request. American Express charged off and no XXXX sent and no validation after several request to remove from credit reporting. Also, third party collection agency keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: WA

Complaint narrative:
I filed a dispute because my information was stolen and my phone was stolen did somebody stole my money so I had to do a dispute they disputed my money but suspended my account and they asked me to upload documents of my Identity verification and I did that and they lost it they don't know where it is and this is XXXX that was {$230.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I got a loan with World Finance Company in XXXX, Ga. back in I believe 2023. However, I paid them a few times before I had a near death experience at my job. They told me don't worry about it because I had insurance with them in case something did happen to wear I couldn't pay, they would cover my loan and pay it off. They lied to me and sold my account to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is suing me when I don't know of them nor owe them anything. From my understanding that's why I took out the insurance to cover me in case something happened to where I couldn't pay. It's ruining my credit due to both of these companies are reporting that I owe them. It was stated that I owe {$2000.00}. They keep updating it to where it looks like I just got the loan from them to keep my credit down. I am stressed out and can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NJ

Complaint narrative:
I am submitting this complaint regarding late payment reporting on my federal student loan account serviced by MOHELA. My bank account was the victim of fraud, which disrupted my ability to make scheduled loan payments through my normal payment method. Because of this fraud incident, my bank account activity was compromised and the account associated with my loan payments was affected. As a result, automatic payments that were normally processed from this account failed during that period. These missed payments were not due to refusal or inability to pay, but rather the direct result of the banking disruption caused by the fraud incident. Once the issue with my bank account was identified, steps were taken to secure the account and restore normal banking activity. Despite the fact that the missed payments occurred because of documented bank fraud that disrupted my payment account, the loan was reported as delinquent. This reporting has negatively impacted my credit profile even though the underlying cause was outside of my control. I have made good faith efforts to remain current on my loan obligations and did not intend to miss these payments. The late payment reporting does not accurately reflect the circumstances that led to the missed payments. I am requesting that MOHELA review this situation and correct the reporting associated with this period. Specifically, I am requesting the removal or correction of any late payment reporting related to the period when the bank fraud disrupted my payment method and the correction of any inaccurate information reported to the credit bureaus. I am prepared to provide documentation regarding the bank fraud and the resulting disruption to my bank account if needed.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
2nd request * * * XX/XX/XXXX, someone charged my account {$10.00} and {$90.00}? I called XXXX many times with promises they would take care of it. During that time XXXX charged my account interest and late fees. I contacted you, FTC. I thought it was taken care of. Meantime my credit has been destroyed. Now today, in XXXX, XXXX, more late fees and interest fees. I cant keep doing this. I don't understand. I cant even use my XXXX card because of all this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to formally report unauthorized activity and suspected identity theft involving my personal information. Specifically, I have discovered multiple hard inquiries on my credit report that I did not authorize nor initiate. Unauthorized Inquiries : JPMCB Card ( JPMorgan Chase Bank ) XXXX XXXX XXXX Status of Dispute with Credit Bureaus : Upon discovering these fraudulent inquiries, I contacted the major credit reporting agencies to dispute the activity and request their removal. However, the credit bureaus have been of no help in resolving this matter, failing to remove the unauthorized inquiries or provide a satisfactory explanation regarding the verification of these entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, a skimmer was put in a parking lot where I attempted to pay for pareking. The skimmer was an XXXX XXXX tap to pay device. I was attempting to pay for a {$15.00} parking spot, using XXXX XXXX with my Bank of America credit card. It popped up as an {$800.00} charge. I immediately called Bank of America. I was on the phone with them for quite some time. They said they'd try to correct it and file the fraud dispute. They said it might be hard because it was through XXXX pay but they were on it. I also tried to contact XXXX but there was no way to do so. I filed a police report the same day : XX/XX/year>. I just received a notice that Bank of America did NOT approve the fraud charge and they believe it's part of an account. It's not part of an account! I never approved an {$800.00} charge for the {$15.00} parking spot and it wasn't even the same business- it was a fraudulent Pay skimming devices. This was a fraudulent charge and needs to be corrected, though Bank of America refuses, despite my call notifying them of this within minutes of it happening.

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2025, I visited a Citibank branch and made a large deposit into my existing Everyday Benefits account. During that visit, I was approached by a bank employee who referenced my account status and discussed opening an additional account. I declined any changes or additional products. Despite this, my account was converted the same day to a Citi Priority account without my knowledge or consent. I was not directly informed of this change. I only became aware of it later while reviewing my account statements and associated documents, where I discovered a letter indicating that my account had been converted. This change introduced a minimum balance requirement of approximately {$30000.00} to avoid monthly fees. While no fees were ultimately assessed, I only avoided financial impact because I identified the issue myself. Had I not discovered the change, I could have incurred avoidable fees, and it is unclear what financial impact may have occurred over time had this gone unnoticed. After discovering the issue, I contacted Citibank customer service and escalated the matter. I was told my concern would be documented and that I would receive a follow-up ; however, no follow-up occurred. When I contacted Citibank again, I was informed by a representative XXXX XXXX, ID : XXXX ) that my prior escalation had not been properly submitted or recorded. I then visited a Citibank branch in XXXX XXXX and spoke with a branch XXXX. She followed up with me on XXXX XXXX, 2025, and indicated that she would address the issue internally and speak with the team member involved. While I appreciate her responsiveness, the employee responsible has not been identified to me, and I have not received any formal written acknowledgment or explanation from Citibank.

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I took a look at my credit report and noticed some unathorized accounts.In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Original Charge Off Amount : {$1000.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX around XXXXStarted with a text from XXXX XXXX XXXX XXXXnI thought this was a standard Chase bank fraud alert text message. \nCHASE ALERT; Did you use your card at XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX If you recognize this activity, reply Yes. If not reply No. To opt out, reply stop \nI replied No, they said Thank you for your response your account has been restricted and a representative will be in contact shortly\n\nI receive a phone call from XXXX XXXX XXXX XXXX acting as Chase Bank. They said their name was XXXX. They gave me a Case ID reference # - XXXX\n\nTotal cash amount of withdrawal - XXXX\nThey were instructing me to stay on the line and visit the nearest Chase Bank location because I was a one out of 25 fraud victims in my area of XXXX XXXX country in XXXX. I visited the nearest Chase Bank location in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nThey had me close my account and withdraw the funds while keeping them on the phone line, instructing me not to say anything to the teller because they could be possibly involved in an inside job. They said, they were following along on surveillance camera and to keep on the line to match up the phone audio with video footage.\n\nThey had me add a debit card to my google wallet, saying it was my new account and to go ahead and deposit the cash into the Chase Bank ATM. I had to tap my XXXX XXXX to access the ATM and they gave me a pin. \nI actually hand wrote the information they gave me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThey were also giving me temporary login and passwords for chase bank app with number verification codes. After a couple attempts, i had used login XXXX password-XXXXAfter the deposit was done, they said my new card was already compromised and they suggested that i delete the card and get a whole new phone and phone number, which i actually believed and went ahead and purchased new phone and made a new phone number with my cellphone provider.\n\nI called back the original phone number on XXXX XXXX and it is now disconnected.\n\nI went to Chase bank location in XXXX XXXX to speak with private banker XXXX XXXX and they saw a pending transaction on the debit card provided but told me they cannot help recover my funds. I was told a report claim would be esclated to their executive office. Case Number - XXXXnI called back three times and no response. I had to call a different number to Chase Claims department and explain everything again. phone number XXXX and was told a second time that I could not recover my funds.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> my XXXX and I went into a local Chase Bank to open a joint account because we just returned from XXXX. When we told the bank employee we were here to open an account since we just returned from XXXX, the female employee became extremely suspicious and treated my XXXX wife as if she was an illegal alien. She was rude to my wife and the employee asked if my wife had a valid visa. We said yes, and the employee replied " well you must show proof of address '' and I said we have a lease ( which is an accepted form according to the Chase official website ) and she refused to look at our lease. She said she will not accept any leases from us since we just returned from XXXX. We politely asked for a XXXX, and she told us the XXXX was not available, and she was in charge. She then said " sorry but we won't be able to open an account for you ''. My XXXX and I must have an account to live in XXXX, and the way we were treated was discriminatory and violated my consumer rights. I have many friends that opened a bank account using a lease. I informed the employee I would file a consumer complaint, and she told me to go ahead. So I filed a complaint with the Consumer Financial Protection Bureau. This is regarding the bank located in Texas at XXXX XXXX XXXX XXXX, XXXX, TX XXXX for discrimination and violation of our consumer rights. I will make it a personal commitment to protect my wife from discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please help me remove the fraudulent accounts from my credit reports

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 2026-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
Sallie Mae placed my private student loan into a Graduated Repayment Period ( GRP ) that allowed reduced interest-only payments for 12 months. I was informed that after 12 months of GRP I would be able to obtain forbearance. I relied on that representation in managing the loan. When the GRP ended, Sallie Mae increased my required monthly payment from about {$29.00} to {$62.00}, with the higher payment due beginning XX/XX/year>. Before becoming delinquent, I contacted Sallie Mae to request repayment relief. Sallie Mae then denied both forms of relief I sought. In a XX/XX/year>XXXX letter, Sallie Mae stated that my renewed GRP request could not be processed because the loan had previously been enrolled in GRP and the program was only available for one-time use. In a XX/XX/year> letter, Sallie Mae stated that my forbearance request was denied because I had not made the required number of monthly payments, or an amount equal to it, over the required time period since my last forbearance or other repayment program ended. This created a catch-22. Sallie Mae increased my payment when GRP ended, denied another GRP because it was allegedly one-time only, and denied forbearance because insufficient payments had been made since the repayment program ended. I sought assistance before delinquency, but Sallie Mae 's servicing position appears to make meaningful transition relief unavailable at the exact point payment shock occurs. I am concerned that Sallie Mae provided inaccurate or misleading information regarding forbearance eligibility after 12 months of GRP and then denied relief based on criteria that were not clearly disclosed to me in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Collection Bureau, Inc.
State: IN

Complaint narrative:
XX/XX/year> {$2100.00} For the emergancv room in XXXX XXXX they was told to submit the bill to my insurance first then to my husband in which they didn't. When I spoke to the collection company they was told the same thing the man said it was submitted to mine first but gave me my husband insurance name first. I don't owe on this bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX handling of my dispute ( Claim Reference # XXXX ) for transactions related to airline travel. I initially disputed a charge after a travel disruption caused by XXXX XXXX. My flight from XXXX ( XXXX ) to XXXX ( XXXX ) was delayed by approximately XXXX hours, which caused me to miss my connecting international flight with XXXX XXXX. This was an involuntary situation entirely outside of my control. As a result, I was unable to complete my itinerary as scheduled and did not receive the full service I paid for. Wells Fargo issued a provisional credit of {$760.00} during the investigation. However, they later denied my claim, stating that I did not cancel prior to the service date. This conclusion is incorrect and does not reflect the nature of the situation. This was not a voluntary cancellation it was a missed connection due to a significant airline delay. I want to clarify that I did receive a partial refund directly from XXXX XXXX. However, this does not resolve the full financial loss, and it does not justify Wells Fargos denial of my dispute. My complaint is specifically about the banks failure to properly evaluate the claim based on the actual circumstances. I have supporting documentation, including evidence of the flight delay, missed connection, and communications with the airlines. Wells Fargo failed to properly investigate and mischaracterized the issue as a cancellation rather than a service disruption. As a result, they are now reversing the provisional credit despite valid grounds for the dispute. I am requesting that Wells Fargo : 1. Reopen and properly investigate the claim. 2. Consider the case as a travel disruption, not a missed cancellation. 3. Reinstate the provisional credit or issue a permanent credit based on the evidence provided. I believe this situation falls under billing dispute protections, as the service paid for was not fully delivered due to circumstances beyond my control. I request that this matter be reviewed and resolved fairly.

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