vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Garrison Investment Group
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Complaint Violation of Credit Reporting Accuracy and Dispute Rights \n\nTo Whom It May Concern, \n\nI am writing to file a formal complaint regarding violations of my rights under the Fair Credit Reporting Act. \n\nOn or about XXXX XXXX XXXX, I submitted disputes concerning inaccurate information reported on my credit file; however, my rights to a proper investigation and accurate reporting appear to have been violated. Specifically: \n\nInaccurate and negative information continues to be reported to all three major credit bureaus: XXXX XXXX XXXX XXXX \nThe information being reported is not accurate, complete, or verifiable. \nDespite my dispute submissions, the inaccurate data has not been properly corrected or removed. \nI have received an adverse action on my credit report from Foundation XXXX XXXX based on this incorrect information. To include denial by Foundation XXXX XXXX to the credit bureau. \nUnder the Fair Credit Reporting Act, I have the right to: \n\nAn accurate credit report \nA reasonable and timely investigation of disputes \nRemoval or correction of unverifiable or inaccurate information \nAt this time, it appears these rights are not being upheld. \n\nI am requesting the following immediate actions: \n\nA full and proper reinvestigation of all disputed items \nRemoval of any inaccurate, incomplete, or unverifiable information from my credit file \nWritten confirmation of the results of your investigation \nNotification to all parties who received my credit report of any corrections made \n \nPlease treat this matter with urgency. If these issues are not resolved promptly, I will consider filing additional complaints with the Consumer Financial Protection Bureau and pursuing further legal remedies. \n\nThank you for your prompt and immediate attention to this matter. \n\nSincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: AL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX XXXX 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 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Subject : Formal Dispute, Demand for Reinvestigation, and Request for Deletion To Whom It May Concern : I am writing to formally dispute the accuracy, completeness, and validity of an account reported and/or collected by National Credit Systems , Inc . This account is disputed in its entirety. Pursuant to 15 U.S.C. 1681i ( a ), I am requesting a reasonable reinvestigation of this account. You are required to ensure that all information furnished is accurate, complete, and verifiable. Under 15 U.S.C. 1681s-2 ( b ), upon receipt of this dispute, you are required to : - Conduct a reasonable investigation - Review all relevant information provided - Report accurate results to all consumer reporting agencies - Correct or delete any information found to be inaccurate, incomplete, or unverifiable At this time, I have reason to believe that this account is being reported inaccurately and/or without sufficient evidence to meet the standards required under federal law. Provide the following documentation : 1. A copy of the original lease or agreement bearing my signature 2. A complete and itemized statement of the alleged debt, including all charges, fees, and adjustments 3. The date of first delinquency in compliance with 15 U.S.C. 1681c ( a ) ( 4 ) 4. Proof of your legal authority to collect and report this account 5. Documentation demonstrating that all furnished information has been verified as accurate If you are unable to provide the above documentation, the account is considered unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be promptly deleted from my credit file. Additionally, reporting information without maintaining reasonable procedures to assure maximum possible accuracy constitutes a violation of 15 U.S.C. 1681e ( b ). Please be advised that any verification of this account without providing the requested documentation may constitute an unreasonable investigation under 15 U.S.C. 1681i ( a ). If this account can not be properly verified, you are required to : - Immediately delete this account from all consumer reporting agencies, including XXXX XXXX XXXX XXXX - Provide written confirmation of deletion Failure to comply with these requirements may constitute willful noncompliance, subjecting your company to liability under : - 15 U.S.C. 1681n - 15 U.S.C. 1681o This letter serves as formal notice of dispute. I expect full compliance within the statutory investigation period. Failure to comply will result in escalation, including complaints filed with the Consumer Financial Protection Bureau and potential legal action. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
b'Hi, The Companys XXXX XXXX XXXX XXXX XXXX By the Name XXXX XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And Meridian Financial Services. Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . PH XXXX XXXX XXXX They Charge me $ XXXX XXXX Because they said is extra amounts money . They already charge me $ XXXX for suppose the full amount for installation of the Roof at my home 7XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So they whats me to pay extra mone for a cuple of wood sheets by the amount $ XXXX . They call me after a few weeks and claimed it . I told him that Im not going to pay for couple wood that amount . so they sent me to collect company Meridan Financial . Please i need help for these people are taking advantage of the people .'

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2026, I deposited a settlement check in the amount of {$16000.00}, issued by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Capital One contacted the remitter by phone to verbally verify the check. During that call, the Capital One representative provided incorrect information : giving the wrong company name, location, and issuing party to the remitter. Because the representative referenced only the parent company name and not the XXXX name under which the check was issued, the remitter could not confirm the check, causing it to fail verbal verification. As a direct result of Capital Ones representative error, the check was flagged as fraudulent and all XXXX of my associated bank accounts were locked, leaving me unable to access any of my funds. I called Capital One the same day. After I provided the correct company information, I was told they could no longer reach the remitter and would continue attempting contact. From XX/XX/XXXX through XX/XX/2026, Capital One was unable to reach the remitter and refused to accept supporting documentation from me, refused to speak with the remitters legal team, and refused to speak with my attorney all of whom could have verified the checks legitimacy. On XX/XX/2026, after significant persistence on my part, a supervisor agreed to accept documentation via email proving the checks legitimacy. That documentation has remained unreviewed from XX/XX/XXXX through today, XX/XX/2026, because my case was assigned to an investigator who has been out of office and the case was never reassigned to an available agent. To date, Capital One has refused to speak with my attorney, refused to speak with the remitting companys attorney, and has not reviewed documentation already in their possession that proves the checks legitimacy. This has resulted in nearly XXXX weeks of complete inability to access my funds due to an error originating with Capital Ones own representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized debit card transactions on my account with Navy Federal Credit Union that were improperly denied after both an initial dispute and an appeal. The unauthorized transactions are as follows : {$1200.00} Merchant : XXXX XXXX XXXX {$290.00} Merchant : XXXX XXXX XXXX I did not authorize these transactions and do not recognize this merchant. I have no history, receipts, subscriptions, or prior interactions with any business by this name. Additionally, I have been unable to locate any legitimate business information for this merchant, which raises serious concerns about the validity of these charges. At the time of the transactions, I was in possession of my debit card and did not share my card information with anyone. These transactions appear to have been processed without my knowledge or consent. Despite clearly stating these facts, Navy Federal denied my dispute and upheld the denial on appeal. I have not been provided sufficient documentation or evidence showing that these transactions were authorized by me. I am requesting the following : 1. A full reinvestigation of these unauthorized transactions 2. Documentation showing how the transactions were verified as authorized 3. The method of authorization ( chip, swipe, or online entry ) 4. Any merchant-provided receipts, IP address data, or supporting evidence Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a reasonable and thorough investigation of unauthorized electronic transactions. Based on the lack of evidence provided to me, I do not believe this standard has been met. I am requesting that Navy Federal Credit Union provide all documentation supporting their decision and issue appropriate reimbursement for these unauthorized charges. I am seeking a fair resolution and enforcement of my consumer protection rights.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding an account reported by Portfolio Recovery Associates ( Portfolio RC ) on my credit file for approximately {$720.00}, which is being linked to XXXX XXXX XXXX XXXX. After reviewing my credit reports, I do not recognize this account and I have no clear recollection of entering into any agreement that would make me responsible for this balance. Despite that, this account continues to be reported and is negatively impacting my credit standing. To date, I have not been provided with any documentation that includes my signature or any valid agreement showing that I accepted or authorized this obligation. I have also not received proper validation that meets the standards required under federal law. The continued reporting of this account without sufficient verification raises concerns about the accuracy and compliance of the information being furnished. At this time, I am requesting that this matter be reviewed thoroughly. If the company is unable to provide legitimate documentation proving that this debt belongs to me and that I am legally responsible for it, then this account should not continue to appear on my credit reports. I am requesting : A thorough investigation of the account Proper validation of the alleged debt Documentation showing my legal responsibility A copy of any agreement connected to this account Removal of this account from all credit reporting agencies if it can not be verified I expect this matter to be handled in accordance with applicable federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Klarna AB
State: GA

Complaint narrative:
A customer named XXXX XXXX filed a fraudulent dispute for a transaction of {$490.00} on or around XX/XX/year>. I was notified of the initial dispute and submitted evidence, and the case was decided in my favor and I won the dispute because I showed clearly she purchased the product and received the product. After that, a second dispute or escalation was initiated through Klarna or the customers bank, but I was not notified and was not given the opportunity to respond or submit evidence. The dispute was then decided in the customers favor without my participation. I contacted the platform and was informed that the decision is final, despite the fact that I was not notified of the XXXX dispute. This resulted in a loss of funds without a fair opportunity to defend the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
Ongoing Issue Inconsistent Communication and Refusal to Provide Written Repayment Options I am filing an additional complaint regarding my private student loan account with MOHELA due to ongoing inconsistencies and lack of clear communication. Over the past several months, I have made multiple attempts to understand my available repayment options. I have specifically requested this information in writing so I can review and make informed decisions. However, I have not been provided with a clear, comprehensive list of options via email or written communication. Instead, I continue to receive : - Repeated final notice communications with varying deadlines ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - Statements indicating that I have repayment options available, without any details provided - Direction to call by phone, rather than receiving the requested information in writing Most recently, I received communication stating that I am not taking advantage of available repayment options, despite the fact that those options have never been clearly outlined to me in writing. This pattern is concerning because it : - Prevents me from fully understanding my options- Creates confusion due to inconsistent deadlines and messaging - Makes it difficult to make informed financial decisions without being subject to pressure during phone calls I am requesting the following : - A complete, written breakdown of all available repayment, deferment, or forbearance options for my specific account - The requirements, terms, and impact of each option - Clarification of my current account status and timeline toward default I am attempting to resolve this matter in good faith and would like to do so based on clear, documented information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cashapp closed my account for no reason and there was no way to obtain the remaining funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I deposited by expedited check # XXXX for {$5000.00} and then expedited check # XXXX for {$4600.00} to XXXX XXXX Account # XXXX and Routing # XXXX at the SoFi bank. This was a checking account. Shortly there after XXXX notified me that SoFi had stopped the transaction due to what they thought was a bad transaction as deemed by their fraud department. Then to make the payments I made XXXX direct deposits to her account on XX/XX/XXXX for {$5000.00} and {$4600.00} directly to her account. They have yet to send me my money or let me know the status of the deposit. At this point either SoFi is holding the funds or they were given to XXXX XXXX after the researched the matter but I do not know which. I need to find out where this money is so I know what to do next. I am a member of XXXX XXXX XXXX XXXX and they have not been much help so far. I was finally informed that SoFi requested a XXXX XXXX letter from my bank and I do not know the status of this action either. I will include copies of the checks and transfers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, Chase charged my XXXX {$1000.00} for XXXX reservation XXXX, a XXXX stay advertised as " XXXX XXXX XXXX XXXX XXXX '' in XXXX. XXXXXXXX XXXX platform withholds the exact address until after payment is processed, so the listing title was the only location information available at purchase. After payment, the confirmation email revealed the property is located in the XXXX neighborhood, approximately XXXX miles from XXXX XXXX. The host changed the listing title to " room in XXXX '' after I filed a complaint. XXXX XXXX own Senior Case Manager sent me a map from XXXXXXXX XXXX internal tools confirming the property is not in XXXX XXXX. I also discovered the property has zero business licenses in the XXXXXXXX XXXX XXXX XXXXXXXX and Inspections database. The host has no Rental License, no Limited Lodging Operator License, no Commercial Activity License, and no Zoning Permit. Under XXXX XXXX XXXX ( XXXX ) ( XXXX ), the host is legally barred from collecting rent during the period of non-compliance. The property is zoned XXXX, where visitor accommodations are expressly prohibited under XXXX XXXX XXXX XXXX XXXX. There is no legal scenario under which this rental is permitted. XXXX formally denied my refund request on XX/XX/year>, without confirming the host holds any required license, and dismissed the illegality allegation on the basis that I did not check in. I did not check in precisely because the listing was misrepresented and illegal. I filed a chargeback dispute with Chase ( case XXXX ). Chase issued a provisional credit and then reversed it after receiving XXXXXXXX XXXX merchant response. A Chase representative informed me by phone that the dispute was denied because XXXX XXXX policy permits listing titles to reference nearby landmarks. This reasoning is flawed : the title was a direct location claim, not a proximity reference, and Chase never addressed the independent illegality ground. Under XXXX Dispute Condition 13.5 ( Misrepresentation ), the merchant 's refund policy is superseded. Under the Fair Credit Billing Act, 15 U.S.C. 1666i, I have the right to assert this claim against the card issuer. I also filed reports with the FTC ( Report # XXXX ), the Pennsylvania Attorney General, the XXXX Police Department ( fraud classification ), the XXXX Department of Licenses and Inspections, and the XXXX Department of Revenue. I am requesting that Chase reopen the dispute, evaluate the illegality ground that was ignored, and reinstate the {$1000.00} provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Branch Messenger, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, a transaction in the amount of {$5700.00} was debited from my checking account via XXXX through Branch bank. Additionally, my wife paid a deposit of {$1200.00} via XXXX from her XXXX XXXX checking account, for a total of {$7000.00}. These payments were made to a company called XXXX XXXX for a dog-friendly cruise advertised to sail from XXXX aboard XXXX XXXX cruise ship, with stops in XXXXXXXX XXXX XXXX XXXX XXXX XXXX. The cruise was scheduled for XX/XX/XXXX. XXXX XXXX required full payment in advance to secure XXXX of approximately XXXX spots for passengers traveling with their dogs. Several months later, we were notified by the company that there were issues involving the ship and ports, and the sailing date would be postponed to early XXXX. At that time, some customers requested and received refunds. We chose to wait based on the expectation that the cruise would still take place. In XXXX XXXX, we were informed that the cruise had been canceled. At that point, XXXX XXXX stated they would no longer be issuing refunds and instructed customers to contact their travel insurance providers or financial institutions. We filed a claim with our travel insurance provider, XXXX, which was denied on the basis that the situation did not fall within the policy coverage. We then filed disputes with our banks, XXXX XXXX and Branch, both of which denied the claims, stating that the transactions were authorized. While the transactions were authorized at the time of purchase, they were made with the clear expectation of receiving the advertised services. We did not authorize a transaction in which the company would retain {$7000.00} without providing the services purchased. This represents a failure to deliver services and, in our view, constitutes an unfair and deceptive business practice.

Company response to consumer: Closed with explanation