vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
My debit card was shut off on the XXXX of XX/XX/year>. I called the bank and was told it was due to suspicious activity. I looked at my online bank statement and saw charges that at the time I didnt think were mine. But due to processing delays, I later told them that every charge was legitimate and placed by me. But since then my account has been on lock and nobody will help me.I just want to take my remaining money and bank elsewhere. My money is being help hostage for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: FC HoldCo LLC
State: LA

Complaint narrative:
I am writing to request assistance regarding my auto loan with XXXX XXXX XXXX. My account is currently under repossession review. 

I have been in regular communication with the lender and have made clear my intent to resolve the delinquency. I advised the lender that I can make a {$300.00} payment immediately, with the remaining balance to be paid the following day. 

Despite payment being imminent and my willingness to cure the delinquency within 24 hours, I was informed that the account may still proceed toward repossession. I have also been told that the repossession request is being held but could be released.

The vehicle is required for my employment, and repossession would create unnecessary hardship when the account can be brought current immediately. I am requesting fair consideration of a short-term payment arrangement to prevent repossession and allow the account to be resolved. 

I am not refusing to pay and am actively attempting to make payment. I am requesting the lender work with me in good faith to avoid repossession when payment is imminent. Im willing to pay {$300.00} and get the remaining balance tomorrow but theyre not allowing me to pay the {$300.00} in good faith.

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 2026-01-07 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am a New Jersey resident writing to formally dispute * * fraudulent and inaccurate information * * appearing on my consumer credit report. I did not authorize, open, use, or benefit from the account ( s ) and/or charges described below.

This dispute is submitted pursuant to * * federal law * * and * * New Jersey state law * *, including but not limited to : * * * Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) * * * * * 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) * * * * * New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ) * * * * * New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ) * * # # # Fraudulent Information Being Disputed * Creditor / Furnisher Name : Indigo * Account Number ( partial ) : XXXXXXXX XXXX Date ( s ) reported : XX/XX/year>XXXX XXXX Reason for dispute : * * Identity theft / unauthorized account or charges * * I have a good-faith belief that this information is the result of * * identity theft * * as defined under * * N.J.S.A. 56:11-44 * *, which makes it unlawful to use another persons personal identifying information without authorization. 

# # # Legal Notice and Demand Under the * * Fair Credit Reporting Act * *, you are required to : * Conduct a * * reasonable investigation * * within * * 30 days * * * * * Delete or block * * any information that can not be verified as accurate * Permanently block information that results from identity theft upon proper notice Under * * 15 U.S.C. 1681c-2 * *, once notified that information is the result of identity theft, you may * * not reinsert or re-report * * this information unless strict statutory requirements are met.

Under the * * New Jersey Consumer Fraud Act * *, the reporting or reinsertion of known inaccurate or fraudulent credit information may constitute an * * unlawful practice * *, subject to civil penalties, treble damages, and attorneys fees.

# # # Requested Action I hereby demand that you : 1. * * Immediately investigate * * the disputed account ( s ) 2. * * Delete and block * * all fraudulent information from my credit file 3. Notify all furnishers of the dispute and fraud claim 4. Provide * * written confirmation * * of the results of your investigation If you require additional documentation, please advise in writing. I am prepared to provide an FTC Identity Theft Report, police report or sworn affidavit if necessary.

Failure to comply with your obligations under federal or New Jersey law will result in complaints filed with the * * Federal Trade Commission ( FTC ) * *, * * Consumer Financial Protection Bureau ( CFPB ) * *, and the * * New Jersey Office of the Attorney General, Division of Consumer Affairs * *, and may result in legal action. 

Please confirm receipt of this dispute in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete reporting related to a XXXX XXXX account ( account number XXXX ) that is currently reflected on my credit reports as late and open with a balance of {$20.00}, which does not accurately represent the true status or circumstances of the account. As a consumer, I have the right under FCRA 611 ( 15 U.S.C. 1681i ) to dispute inaccurate information with the credit bureaus, and I have raised concerns because the reporting of this account appears to stem from a billing discrepancy or timing issue that falls under the protections of 15 U.S.C. 1666 ( Correction of Billing Errors ) and 15 U.S.C. 1666a ( Creditors Restrictions During Dispute ). The current reporting creates a misleading impression of delinquency that is disproportionate to the small balance involved and does not reflect my intent or efforts to manage the account responsibly. Under FCRA 623 ( a ) ( 2 ), furnishers have a duty to correct and update information that is determined to be incomplete or inaccurate, and once a dispute is raised, FCRA 623 ( b ) requires that a reasonable investigation be conducted and that the results of that investigation be accurately reported to the consumer reporting agencies. The continued reporting of this account as late without proper contextual accuracy suggests that the investigation and update obligations under the FCRA have not been fully satisfied, resulting in ongoing harm to the accuracy of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete reporting related to a XXXX XXXX account ( account number XXXX ) that is currently reflected on my credit reports as late and open with a balance of {$20.00}, which does not accurately represent the true status or circumstances of the account. As a consumer, I have the right under FCRA 611 ( 15 U.S.C. 1681i ) to dispute inaccurate information with the credit bureaus, and I have raised concerns because the reporting of this account appears to stem from a billing discrepancy or timing issue that falls under the protections of 15 U.S.C. 1666 ( Correction of Billing Errors ) and 15 U.S.C. 1666a ( Creditors Restrictions During Dispute ). The current reporting creates a misleading impression of delinquency that is disproportionate to the small balance involved and does not reflect my intent or efforts to manage the account responsibly. Under FCRA 623 ( a ) ( 2 ), furnishers have a duty to correct and update information that is determined to be incomplete or inaccurate, and once a dispute is raised, FCRA 623 ( b ) requires that a reasonable investigation be conducted and that the results of that investigation be accurately reported to the consumer reporting agencies. The continued reporting of this account as late without proper contextual accuracy suggests that the investigation and update obligations under the FCRA have not been fully satisfied, resulting in ongoing harm to the accuracy of my credit profile.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: KEYCORP
State: WA

Complaint narrative:
Lost my job, so im losing my car told key bank too place a stop hold in my car loan paid XXXX dollars too stop it going thru called every month for 3 months explaining they keep running it thru finally after 3 months right around XX/XX/XXXX they ran the reverse payment thru twice I went too the bank they refused too close account they refused too talk too me because I brought up lawyer they now are charging daily over draft fees I was like omg your kidding me .they were rude they lied and im so upset

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I served on XXXX XXXX in the United States XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I had a credit card account with JPMorgan Chase that was opened prior to my entry into XXXX XXXX. 

In late XXXX, I submitted a formal SCRA request to JPMorgan Chase along with copies of my military orders and/or XXXX. 

On XX/XX/XXXX, JPMorgan Chase sent me a letter denying my request. The bank stated that SCRA benefits could not be applied because I did not provide notice within 180 days after the end of my XXXX XXXX period, even though Chase 's own policy allows an additional 90 days. 

I believe this denial is unfair. The SCRA is intended to provide meaningful relief to servicemembers, and rigid enforcement of the notice periodparticularly for veterans who may not learn about their rights until years laterundermines the law 's protective purpose.

I am requesting that JPMorgan Chase retroactively apply SCRA benefits to my pre-service credit card account for the entire XXXX XXXX period ( XX/XX/XXXX to XX/XX/XXXX ). This includes capping the interest rate at 6 %, waiving late fees and other fees treated as interest, and refunding any excess interest and fees already charged during that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
The rental was materially misrepresented and not in habitable condition upon arrival. Issues included holes in walls, dirty floors and bathrooms, beds that were not actual beds, blocked doors due to furniture placement, dirty linens, and a faulty sink. These conditions were present during the stay from XX/XX/year> ( XXXX XXXX  ) through XX/XX/year> ( XXXX XXXX  ). 
I disputed the charge through Affirm. I later received written communication stating that the disputed amount of {$2700.00} would be deposited back into my account within XXXX business days. This did not occur. No refund or credit appears in my Affirm account, and no refund confirmation or transaction reference has been provided. 
The written communication is contradictory and unclear, stating both that I am responsible for the amount and that a refund would be issued. I am requesting a clear written determination and immediate issuance of any refund owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: OH

Complaint narrative:
I use my cashapp account for sending and receiving money to family and friends, using the paper money feature, buying bitcoin. They closed my account for no reason saying I violated their terms and conditions but didnt tell me what I did. I believe this illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion LLC for reporting inaccurate and unverifiable late-payment information on multiple accounts appearing on my consumer credit report. The late payments reported for the accounts listed above ( including XXXX, XXXX XXXX, and multiple XXXX XXXX XXXX XXXX contain internal inconsistencies that directly conflict with the accounts reported status, balance history, and overall payment history. These discrepancies render the late-payment data unreliable and incapable of being reasonably verified, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ). 

Despite these inconsistencies, TransUnion continues to publish the disputed late-payment notations without ensuring maximum possible accuracy or conducting a lawful reinvestigation using the complete account histories. Reporting contradictory data while claiming accuracy constitutes negligent and willful noncompliance with federal law. A credit reporting agency may not rely on incomplete or fragmented data from furnishers when the information, on its face, is inconsistent and misleading.

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 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MI

Complaint narrative:
I am enrolled in an Income-Driven Repayment ( IDR ) plan and pursuing Public Service Loan Forgiveness ( PSLF ). My loan servicer is MOHELA. 

In XX/XX/year>, I requested borrower-initiated forbearance. On XX/XX/year>, I explicitly requested removal of the forbearance in writing ( attached confirmation of receipt ) and return to active repayment. Despite multiple escalation calls over several months, MOHELA has failed to remove the forbearance, and my loans remain in administrative forbearance as of XX/XX/year>. 

This ongoing forbearance is the result of a servicer error, not borrower action. MOHELA has failed to implement a borrower-directed status change and has not provided written confirmation or a timeline for correction. 

I am employed full-time by a qualifying public service employer, the U.S. Department of Housing and Urban Development ( HUD ). During the period affected by MOHELA 's servicing error, HUD made a substantial payment on my behalf toward my federal student loans.

Because MOHELA has improperly left my loans in forbearance, this qualifying employer payment has not been properly credited towards PSLF and IDR payment counts and may improperly deny credit for months that would otherwise qualify.

This complaint concerns a documented servicer failure that is materially impacting my statutory rights under the PSLF program.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I have spent hours on the phone with capital one. Every single purchase that I try to make with this card is marked as fraudulent and I then have to call and verify to complete the purchase. Not only that but then I have to verify a bunch of account information. I have spent XXXX separate instances just today verifying the same exact account information XXXX times. Additionally my call got dropped and no one followed up, when I tried to follow up and call back the office was closed. Im incredibly XXXX off Im incredibly frustrated. I dont understand why every single purchase that I make is marked as fraudulent. And I also think that their customer service department is full of XXXX. they have no idea whats going on, no communication amongst departments. And I needed to make that payment tonight before midnight, now I am going to be delayed and charged more because of their XXXX customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
During the time period associated with the reported late payments, I was XXXX at sea and experienced extended loss of communication. Due to these XXXX conditions, I was unable to access accounts or make scheduled payments. These late payments were not the result of negligence or unwillingness to pay, but rather the direct result of operational military duties and limited or unavailable communications while XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am a New Jersey resident writing to formally dispute fraudulent and inaccurate information appearing on my consumer credit report. I did not authorize, open, use, or benefit from the account ( XXXX ) and/or charges described below. 

This dispute is submitted pursuant to federal law and New Jersey state law, including but not limited to : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) 15 U.S.C. 1681c-2 ( Blocking of information resulting from identity theft ) New Jersey Identity Theft Prevention Act ( N.J.S.A. 56:11-44 et seq. ) New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ) Fraudulent Information Being Disputed Creditor / Furnisher Name : Milestone Account Number ( partial ) : XXXX Date ( XXXX ) reported : XX/XX/year> Reason for dispute : Identity theft / unauthorized account or charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Formal CFPB Complaint Equifax Your Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/1990 SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Credit Bureau Name : Equifax Type of Complaint : Credit reporting / unverifiable information Complaint : I am submitting a formal complaint regarding inaccurate, incomplete, and unverifiable accounts on my Equifax credit report. I have formally requested the Method of Verification ( XXXX ) from multiple creditors reporting these accounts, including signed agreements, payment histories, and court documents. 
Despite my requests : Equifax continues to report accounts without providing proof or verification. 
The reporting creditors have failed to respond with the documents I requested. 
Equifax has not deleted unverifiable accounts, in violation of FCRA 611 ( a ) ( 7 ). 
Under federal law, I am entitled to : Full disclosure of the verification process used for each disputed account. 
Deletion of any account that can not be fully verified. 
Requested Resolution : Provide full verification documentation for each disputed account. 
Delete any account that can not be properly verified. 
Confirm in writing that all unverifiable accounts have been removed. 
I have attempted to resolve this directly with Equifax multiple times through formal XXXX requests, yet my report still contains unverifiable accounts. I am submitting this complaint to CFPB to enforce compliance with the Fair Credit Reporting Act and request appropriate resolution. 
Thank you for your attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
am submitting this statement to report identity theft. 

I did not open, authorize, or benefit from the following accounts that appear on my credit reports. These accounts were opened or used without my knowledge or consent by an unknown individual. 

Fraudulent accounts include : XXXX XXXX later placed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX later placed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  later placed with XXXX XXXX XXXX I did not provide my personal identifying information to authorize these accounts. I did not receive goods, services, or benefits from them. 

I am requesting that these fraudulent accounts be blocked and removed from my credit files pursuant to the Fair Credit Reporting Act ( FCRA 605B ).

I certify under penalty of perjury that the information provided in this statement is true and correct to the best of 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 non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital LLC {$5600.00} XX/XX/year> Now that I disputed it they are saying the account was closed XXXX XXXX  Reporting - Etc.

Company response to consumer: Closed with explanation