vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing this complaint regarding American Expresss handling of a dispute for goods not as described / merchandise not received ( partial ). American Express reversed my dispute based on false and unsupported claims provided by an overseas merchant, despite clear evidence contradicting the merchants statements. 

I paid the merchant in XX/XX/XXXX for a complete XXXX XXXX body kit. When the shipment arrived, it was materially incomplete, missing critical components, including the rear wing bracket and the rear bumper, which renders the product unusable. These components were part of the agreed-upon purchase and are required for installation. 

I provided American Express with extensive evidence, including : Written communication showing the merchant repeatedly failed to deliver the missing components Proof that no tracking or shipment confirmation was ever provided Documentation that the merchant coerced payment by threatening to keep my {$6000.00} deposit and resell the kit A 21-minute unboxing video ( with a direct link ) showing the shipment being opened in real time and clearly proving the missing components Despite this, American Express reversed the dispute after accepting the merchants claim that they will still produce and ship the missing items. This claim is false. As of nearly XX/XX/XXXX, more than nine months after payment, the merchant has still not delivered the missing components, has not provided proof of completion, and has not provided shipping information. American Express relied on speculative future promises rather than actual delivery or evidence. 

This reversal has caused financial harm and leaves me responsible for charges related to incomplete and unusable merchandise. I believe American Express failed to properly evaluate the evidence, relied on inaccurate merchant representations, and did not adequately protect me as a cardholder under their dispute resolution obligations. 

I am requesting that American Express be required to reopen and properly review this dispute, consider the full timeline and evidence, and reverse the charges associated with the incomplete portion of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I opened a credit karma spend account when filing taxes with turbo so i could get the refund advance. My advance was deposited ( {$1000.00} ) on XX/XX/XXXX. Within an hour my virtual card info disappeared and i was unable to see the details. I already had my card hooked up to apple pay so i could use it there. I contacted support and they said that because of security reasons they hid the info, there was no timeline as to when it would be fixed or how i could resolve the issue. All she said was well escalate the case and ended the chat. The following day XX/XX/XXXX my physical card arrived in the mail, i verified and activated the card and moved any remaining funds out of the account since I had a suspicion they would try to lock it. A few hours later i received an email saying my account is locked. I have been attempted to contact support for hours, The chat was ended and I am currently on hold to speak to a rep. My tax return is scheduled to be sent to this account and I do not want them accepting the money if my account is closed. There is no reason for my account to be closed for me simply spending my own money, Seeing that i verified and activated the physical card should have been reason for them to know it was me accessing my account all along, but after this my account is marked as locked with no resolution in sight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CBC Companies, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They knowingly reported inaccurate and unauthorized information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
On XX/XX/year> I tried transferring funds out of my XXXX  account and it would not do it. So I figured I would use my XXXX debit card. It was declined multiple times. I called XXXX  asking what was going on. They said my account was in good standing with no issues and money was in my account. To give it a few hours and try again. I did with the same results. Same thing on the XXXX, and XXXX. I have spoken with them every day on the phone where they have said the same thing. I still can not transfer my money out of the account and everytime I try my card it says declined. Even though they say my account is good with no issues I can not access the funds in it to transfer or to use my XXXX debit card. They have denied me access to my funds in the account for no reason.And once again the last time I spoke with them they said my account is in good standing and my debit card is good. As of right now my debit card is not locked and I still can not use it nor can I transfer or access the funds in my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX Chime closed my account with no explanation with a renaming balance of XXXX at that time I contacted chime and was told my remaining balance will be sent out in a check. Here it is XX/XX/XXXX and im just now getting a response and being told that the funds are still there yet they can not open the account back up which I do not want to resume the account i want my remaining funds thats mines sent to me im the rightful owner of my funds so why is chime still holding them and its been 5 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I discovered through a credit report alert that my federal student loan serviced by Nelnet is reporting a 90-day late payment, which caused an approximate XXXX drop in my credit score.

According to my credit report, the account is currently reported as Current, with a XXXX XXXX monthly payment and {$0.00} past due amount, and was in approved hardship forbearance at the time the delinquency was reported. No payment was required during this period. 

The credit report shows the account was updated on XX/XX/year>, yet it still reflects a historical 90-day delinquency ( XXXX ) that did not occur. 

I contacted Nelnet by phone to dispute this inaccurate reporting. Nelnet representatives stated they do not know why the delinquency is being reported and told me there was nothing they could do to correct it.

This delinquency is inaccurate and was not caused by me. Reporting a 90-day late payment while an account is in approved forbearance with a {$0.00} required payment is incorrect and is negatively affecting my credit.

I am requesting a full investigation and immediate correction or removal of the inaccurately reported 90-day late payment from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
I talk to them today from XXXX. Ive attempted 3 purchases and none of them approved. I asked 2 people from Cash App the reason why and they refuse to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America offers a telephone number where you can make 24/7 payments. I tried on 8 separate occasions on XXXX to make a payment ( my due date ) and was unable to. The office was closed. I have never been 30 days late on my account and because their service wasnt working my payment will be two days late. I could not speak to anyone and their chat service was unhelpful

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 2026-01-25 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: AMERICAN EXPRESS COMPANY
State: AR

Complaint narrative:
CFPB SUPPLEMENTAL STATEMENT Scope Clarification American Express National Bank This supplemental filing is submitted to clarify the scope of my pending CFPB complaint against American Express National Bank.

For avoidance of doubt, the complaint concerns American Express National Banks handling of billing disputes and investigations across all applicable American Express consumer credit card accounts held by me, including but not limited to my American Express Gold Card and my other American Express consumer card accounts.

The procedural failures described in my complaint including same-day dispute closures, refusal to conduct reasonable investigations, improper reliance on cardmember agreements or merchant policies, and enforcement of disputed charges after notice of illegality are systemic in nature and not limited to a single account number.

American Expresss conduct reflects a pattern of dispute handling practices applied uniformly across my accounts, and this clarification is provided solely to ensure the record accurately reflects the intended scope of review.

All prior filings, exhibits, and requested relief remain unchanged and are incorporated by reference.

Supplemental Evidence Note : Attached is an indexed exhibit packet demonstrating that American Express National Bank closed disputes on the same day they were opened and expressly stated it was unable to investigate based on internal cardmember agreement or merchant policies, despite prior written notice and uploaded evidence asserting illegality of the underlying transactions. The exhibits reflect a refusal to conduct a reasonable investigation rather than a substantive dispute determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: CO

Complaint narrative:
I filed my taxes through XXXX XXXX on XXXX they partnered with credit karma for a refund advance I was approved for {$1500.00} i made a few transactions the remaining balance is {$1300.00} I went to buy something online and it was declined I looked at my online account and it said the account was frozen when I called credit karma the automated lady said my account was closed after 2 times of being hung up on I talked to someone they had no explanation all they said was we'll escalate your call and they'll reach out via email I asked from them to unlock the account for me to send my money to a different account they keep giving me a run around I didn't receive an email stating my account was getting closed or anything from credit karma the remaining of my taxes are also to be sent to that account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
In XX/XX/year>, a late payment was reported on my federal student loan account serviced by Aidvantage. This occurred during the federal student loan repayment restart period, when many borrowers experienced confusion and transition-related hardship. 
After becoming aware of the late payment, I brought the account current and have remained in good standing since that time. I contacted Aidvantage to request a review and reconsideration of the XX/XX/year> late payment and asked whether a one-time courtesy or goodwill adjustment could be applied given the circumstances surrounding the repayment restart. 
Aidvantage responded with a general statement of policy but did not address my specific request for review or reconsideration. I am submitting this complaint to request that the late payment be reviewed and that a goodwill or courtesy adjustment be considered based on the unique circumstances of the federal repayment transition.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
bXXXX XXXX XXXX  Lakeview Loan Servicing XXXX XXXX     contacted us about a better interest rate. They currently are servicing our mortage at 7.75 %. They offered 5.125% and we applied. Weeks of submittiing everything thay asked and they seemed encouraged.  Three representatives 1) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX became involved, On XXXX  we were assured things look favorable and we paid   XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX   the sum of XXXX for an apprasial: all was good.   XXXX  they demanded XXXX in savingsd and then $XXXX then all in one checking,  We have that in savings and checkinig.  They denyed us for thei added demand.  Please help us,  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: HI

Complaint narrative:
I am filing this complaint against XXXX  due to their failure to conduct a reasonable investigation and delete inaccurate information from my credit report as required by the FCRA. 

I would like to draw attention to a specific account related to MOHELA, for which I have disputed the reporting of multiple loans opened with the same creditor. The information reported is inaccurate and shows these accounts as open with no payment history. Under FCRA 623 ( a ) ( 1 ) ( A ), I have the right to dispute inaccurate information, and FCRA 611 mandates that the credit bureau conducts a reasonable investigation into any such disputes. However, my attempts to resolve this directly with the credit bureau have been unsuccessful, as they have failed to rectify the erroneous reporting. The case law established in XXXX v. XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) supports that reporting inaccurate information constitutes a violation of the FCRA. The ongoing inaccuracy in my credit report has directly affected my financial well-being, leading to credit denials, higher interest rates, and emotional XXXX. 

The presence of this inaccurate, unverifiable, and incomplete item on my credit report is causing significant harm. With no accurate payment history associated with these accounts, I am continually impacted by adverse credit decisions. The inability to rectify these inaccuracies represents not only a violation of my rights under the FCRA but also demonstrates a disregard for the consequences such errors impose on consumers. 

Given the circumstances, I formally demand a complete and thorough investigation by the Consumer Financial Protection Bureau. I expect the bureau to take immediate action to ensure compliance with the law by addressing these inaccuracies in my credit report. I demand the immediate deletion of these erroneous accounts from my credit report. Furthermore, given the willful noncompliance with the FCRA, I am also seeking any and all statutory and punitive damages afforded to me under the law. Thank you for your attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  is reporting inaccurate and inconsistent delinquency information for an auto loan on which I am a co-borrower. My credit report reflects 11 missed payments, while the primary borrowers credit report for the same account reflects only 3 late payments. 

When I contacted XXXX XXXX XXXX  by phone to seek clarification, I was informed that the account has 10 late payments, which conflicts with both credit reports. Although the account has since been brought current, the issue remains the inaccurate and inconsistent credit reporting.

During this call, I requested an explanation for the discrepancy and asked to speak with a supervisor. I was told that a transfer to a supervisor would not be possible, and the representative was unable to explain how the same account could reflect three different delinquency counts across internal records and credit reports. 

Despite being unable to verify the accuracy of this information, XXXX XXXX XXXX  continues to furnish conflicting delinquency data to the credit bureaus, causing ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I am writing regarding an account with the Army & Air Force Exchange Service ( AAFES ) that was opened fraudulently as a result of identity theft. I did not open, authorize, or benefit from this account.

AAFES has been previously notified of the fraudulent nature of this debt, and supporting documentationincluding an identity theft reporthas been submitted. Despite this, my tax refund has been intercepted and applied to this account, causing financial harm.

Continued collection activity on a debt resulting from identity theft, after formal notice and documentation, may constitute violations of applicable federal consumer protection laws.

I am formally demanding that AAFES : 1. Immediately cease all collection activity related to this account 2. Remove any record of this debt from my file 3. Reverse any funds taken as a result of the improper tax refund offset If this matter is not resolved promptly, I am prepared to pursue all available legal and administrative remedies, including filing complaints with federal oversight agencies and seeking legal counsel.

This letter serves as formal notice prior to legal action.

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 2026-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am submitting this complaint to request CFPB review of U.S. Banks compliance with FHA loss mitigation requirements related to my FHA-insured mortgage.

U.S. Bank reviewed my account for loss mitigation and issued written determinations dated XX/XX/year>, approving only a 40-year Combination Modification and Partial Claim that increases my monthly mortgage payment from {$1400.00} to {$1800.00} and raises my interest rate from 3.25 % to approximately 6.5 %.

U.S. Bank denied or deemed me ineligible for other FHA options, stating that my hardship was resolved and that underwriters are required to utilize the current market interest rate at the time of the loss mitigation review. The servicer further stated that the purpose of a modification is not always to reduce the mortgage payment.

My concern is that U.S. Bank failed to properly apply FHA loss mitigation standards related to payment sustainability and principal forbearance, and did not provide a compliant explanation of the FHA waterfall evaluation.

Specifically : 1. U.S. Bank confirmed that partial claims have been substantially exhausted on my loan, with prior partial claims totaling approximately {$61000.00} and a remaining maximum allowable partial claim of {$9400.00}. Despite this, the servicer approved a modification that materially increases my monthly payment beyond the pre-default amount.

2. While U.S. Bank states that multiple FHA modification options were evaluated, the servicer did not provide any written explanation addressing whether principal forbearance was considered or applied, nor why principal forbearance was not used to achieve an affordable and sustainable payment. They refused to provided requested documentation of principal forbearance analysis stating that information I requested is internal and will not be provided.

3. The approved modification relies solely on term extension and market-rate interest, resulting in a higher payment, without explanation of affordability targets, debt-to-income analysis, or sustainability standards used in the FHA waterfall.

4. U.S. Banks statement that underwriters are required to use current market interest rates appears inconsistent with FHA guidance when a modification at market rate produces an unaffordable payment and principal forbearance is an available FHA loss mitigation tool.

5. The servicers determination focused heavily on temporary forbearance and repayment options rather than demonstrating compliance with FHAs requirement to evaluate permanent loss mitigation solutions designed to keep borrowers in their homes with sustainable payments.

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 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On or about XX/XX/year> I sent a wire transfer in the approximate amount of {$48000.00} from my checking account at XXXX XXXX  to the American Express Bank. Later that day I called to have the wire cancelled. XXXX XXXX  advised they would recall the wire. I called American Express Bank a couple of days later and they advised they had not received the wire, so I called XXXX and they said they were working on it. I have called XXXX XXXX  several times and they keep saying they are investigating the issue.

Company response to consumer: Closed with explanation