vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
o : Consumer Financial Protection Bureau ( CFPB ) Subject : Misleading and factually false language in Chase United Explorer Card annual fee increase notice Complaint : I am writing to report potentially misleading and factually false language in a notice I received from Chase regarding the United Explorer Card annual fee increase.

Account : [ Insert last 4 digits ] Notice received date : [ Insert date ] Card type : United Explorer Card Current annual fee paid : {$95.00} ( paid XX/XX/XXXX ) Fee increase : {$150.00}, effective at the next annual fee billing date after XX/XX/XXXX 1. False statement The notice includes the following bolded statement : If you reject this change we will close your account and you will not be able to use it for new transactions. 

Factually, this is false. 
The account will remain open, and the benefits already paid for ( free checked bags, priority boarding, and miles accrual ) continue until the next annual renewal date ( XX/XX/XXXX in my case ). 
The statement misrepresents the legal and contractual consequences of inaction. 

2. Misleading language The notice also states that you MUST call by XX/XX/XXXX to reject the new fee. 
While this is technically an advisory for retention or waiver purposes, it creates a misleading impression that failing to call by this date will result in : Automatic account closure Loss of already-paid benefits Legal obligation to pay the new fee In reality, the card remains active, and the {$150.00} annual fee only posts at the next renewal date. 

XXXX. Consumer harm This combination of false and misleading statements could cause uninformed consumers to cancel or downgrade their accounts prematurely, losing benefits they have already paid for. 
It also creates unnecessary XXXX  and confusion for consumers regarding their rights and obligations. 

Requested Action I respectfully request the CFPB to : 1. Investigate whether this notice constitutes a deceptive or unfair practice under the Truth in Lending Act ( TILA ) or other consumer protection regulations.

2. Encourage Chase to revise their language to accurately reflect consumers rights and obligations regarding fee changes.

Submitted by : [ Your Name ] [ Contact Information ] [ Optional : Attach a copy or photo of the notice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My mortgage loan ( Loan # XXXX ) for my property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a non-escrow loan, but RoundPoint Mortgage Servicing added an escrow account without my authorization or any valid notice. I have always paid my property taxes and homeowners insurance directly and on time. 



I did not request escrow and was never notified that escrow would be added. This is improper mortgage servicing and violates RESPA servicing rules. I requested removal of escrow, explanation, and documentation, but the issue was not resolved. 



I am requesting : Removal of the unauthorized escrow account Reimbursement of all escrow funds collected Written proof of any taxes or insurance allegedly paid by RoundPoint A full escrow ledger Restoration of my non-escrow loan status I attached a full complaint letter and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aequitas Capital Opportunities Fund, LP
State: AZ

Complaint narrative:
* I am disputing unauthorized fees on my XXXX account ( Account # : XXXX ), which is serviced by XXXX Bank XXXX XXXX XXXX. I never agreed to any installment fees or late fees. I paid my balance in good faith, yet XXXX continues to bill me for fees I did not authorize. 

On XX/XX/year> at XXXX XXXX, I called XXXX after receiving a bill that contained only fees. The representative acknowledged the fee was discretionary because she reduced it by half. I told her I did not agree to any fees, including the reduced amount, and she transferred me to a supervisor voicemail. No supervisor has ever contacted me back. 

I have sent multiple emails with not response. 

I have gone to their website for support and no response. 


During the call, the XXXX representative told me that I authorized the fees simply because I made my first payment. This is misleading and incorrect. Paying a medical balance does NOT mean I agreed to undisclosed or unauthorized financing fees. No fees were ever disclosed, explained, or consented to at the time of enrollment. XXXX advertises 0 % APR, no interest, and no monthly service fees, yet they continue to bill me for fees I never agreed to. 

I paid my medical balance in full through XXXX. The only remaining balance is entirely fees, which are not eligible medical charges. Despite this, I am being told I must pay the fees, which is not accurate and does not follow proper billing dispute procedures. 

I have made multiple attempts to resolve this directly, but the company has not followed through on their promises, has not escalated my call as requested, and has not provided documentation showing that I authorized these charges. 

I am requesting the removal of all unauthorized fees, correction of my account to a {$0.00} balance, closure of the XXXX account, and written confirmation that there will be no negative credit impact. * *

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Im reporting inaccurate information thats reported on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in questionXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
Loan repayments were made, Aidvantage posted them as successful transactions, and then later retracted these as same day refunds which didn't arrive back in my account ... and my balance remains as high as before. 
Their impossible to understand Aidvantage balance ledgers do not reflect my bank account statements. 
A payment by my family member toward my account was also attempted, posted as successful by Aidvantage and then later retracted as a reversal in this same way, with no refund located. Meanwhile, my interest continues to unjustifiably accrue on loans I've attempted several times to repay, with an apparent inability to do so or else face my money disappearing while my loan balance jumps back up to its original sum. 
This is literal debt slavery, as our government backs this crooked company and forces us to repay all this unlawful thievery with unjustified interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Supporting Document Wells Fargo ( WFBNA CARD ) Reporting Violations : XXXX, FCRA, Escrow Compliance, and XXXXXXXX XXXX XXXX XXXX Consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Report Date : XX/XX/year> -- - A. XXXX XXXX Forensic Audit Results A XXXX XXXX automated compliance scan was performed on the XXXX Wells Fargo charge-off accounts : XXXX {$2000.00} charged off XXXX {$610.00} charged off XXXX XXXX flagged the following high-risk violations : XXXX. XXXX XXXX XXXX The recent balance is updated monthly after charge-off.

This violates : Metro2 ( Base Segment 2.1 ) FCRA 623
( a ) ( 1 ) ( A ) CFPB Regulation V Furnisher Inaccuracy Rules 2. DUPLICATE Derogatory Reporting Affixing BOTH charge-off AND past-due is a double-negative : {$2000.00} charged off {$2000.00} past due Recent balance {$2000.00} ( XX/XX/year> ) Same for : {$610.00} charged off {$610.00} past due Recent balance {$610.00} ( XX/XX/year> ) A charge-off can not legally remain past due. 

XXXX. Missing XXXX XXXX XXXX confirms both accounts fail the DOFD requirement. 


-- - B. ESCROW COMPLIANCE FAILURE NOTICE Under Escrow Compliance Chain Validation Protocol, a furnisher must : Maintain the full data escrow file for every reporting account Provide audit trails Provide status transition logs Provide XXXX  certifications Provide the furnisher-data segment export ( XXXX ) Wells Fargo provided none of the required escrow components. 

This means the reporting is unverified, incomplete, and noncompliant under : FCRA 623 ( b ) Reg V 1022.42 ( a ) - ( b ) XXXX Furnisher Responsibilities -- - XXXX Requested Action I request the CFPB require Wells Fargo to : XXXX. Provide the Escrow Compliance audit logs XXXX. Provide XXXX segment files XXXX. Provide all documents showing XXXX, charge-off date, and validation XXXX. Or DELETE both accounts entirely

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: OH

Complaint narrative:
The payment in question was due on XX/XX/2024, and the original amount was {$320.00} ( or XXXX once the late fee was added ). I attempted to make this payment on time, but my bank declined the transaction for security reasons. I did not receive any notifications that the payment had failed. If I had been notified, I would have corrected it immediately. Because of this, the late payment was caused by a bank authorization issue rather than intentional negligence. When I contacted BMO about the situation, they refused to help, did not provide clarification, and did not address my concerns.

I also want to note that some of the loan-related mail the BMO sends may be delivered to my parents ' address, where I no longer live. Because of this, I did not reliably receive billing statements or notices related to the account. This contributed to the late payment being reported inaccurately and incompletely, because I was not made aware of the issues with the payment or the account. BMO failed to provide proper notice, which is required for accurate and complete credit reporting.

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 2025-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
My boyfriend had purchased this card not knowing that it was a prepaid debit card, he thought he purchased a XXXX XXXX XXXX  card, because he was trying to buy a XXXX or XXXX gift card but XXXX didn't have any, so he mistakenly purchased the wrong card and I was just trying to help him activate it because I as well thought it was a XXXX XXXX XXXX  card, and when I went to activate it, they said that NetSpend has flagged my name or or my social and that I no longer WOULD BE ABLE TO RECEIVE ANY NETSPEND SERVICES, SO THEN WHEN I WAS HELPING MY BOYFRIEND ACTIVATE THE CARD NETSPEND SHOULD OF NEVER EVEN ALLOWED ME TO REGISTER THE CARD TO MY NAME, AND WE WERE GOING TO USE THE CARD TO GET HOME, BUT NOW WE ARE BASICALLY BEING ROBBED OF THE MONEY HE PUT ON THE CARD, AND U GUYS WANT TO TELL ME THAT I HAVE TO WAIT 7-10, BUSINESS DAYS FOR A CHECK TO COME.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: RI

Complaint narrative:
I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Debt is not mine. I do not owe this company XXXX please remove from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
b"There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.\n\n\nFRAUDULENT ACCOUNTS:XXXX XXXX XXXX  # XXXX  --- Opened: XXXX XXXX # XXXX --- Opened: XXXX XXXX  (Original Creditor: XXXX XXXX XXXX) #XXXX  --- Opened: XXXX  (Original Creditor: XXXX XXXX XXXX) # XXXX  --- Opened: XXXX XXXX #XXXX  --- Opened: XXXX #XXXX  --- Opened: XXXX XXXX #XXXX  --- Opened: XXXX  #XXXX  --- Opened: XXXX XXXX  #XXXX  --- Opened: XXXX #XXXX  --- Opened: XXXX  #XXXX --- Opened: XXXX XXXX XXXX #XXXX  --- Opened: XXXXUNAUTHORIZED INQUIRIES:\n\nExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please remove these 3 fraudulent derogatory accounts from my credit profile : 1 : XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Acct # XXXX 2 : XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$530.00} Acct # XXXX 3 : XXXX XXXX Opened XX/XX/XXXX Balance : {$3600.00} Acct # 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing several charged-off accounts that TransUnion is reporting inaccurately. These accounts are XXXX XXXX, XXXX, XXXX, and XXXX XXXX. 

TransUnion is reporting inconsistent dates, incorrect payment histories, and conflicting statuses that do not match the original creditors reporting or my other bureaus. 

Examples of errors : XXXX XXXX : High credit, dates opened, and last reported dates do not match Experian/Equifax . 

XXXX : TransUnion reports Collection/Charge-off while Experian reports Paid. 

XXXX : Incorrect high balance and inconsistent data between bureaus. 

Upstart : TransUnion reports Collection/Charge-off, but balance and terms differ from Equifax. 

Under FCRA 1681i, TransUnion must ensure accuracy and can not report conflicting or unverifiable data. 

I am requesting removal of these accounts from my TransUnion file because the data being reported is inaccurate, inconsistent, and not verifiable across bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Re : Immediate Deletion XXXX XXXX ( Metro2 Non-Compliance ) I am disputing the XXXX XXXX accounts for Metro2, FCRA, and TILA violations. XXXX sold these accounts, yet continues reporting them as charge-offs, which is inaccurate and non-compliant.

Required under Metro2 : Accounts sold must report Status 93 : Transferred/Sold DOFD must match legal delinquency history XXXX violated both.

Additional violations : FCRA 602, 607 ( b ), 611, 623 TILA 1641 ( f ) ( 2 ) ( failure to identify creditor ) REQUEST : Delete all XXXX XXXX accounts immediately. 

Sincerely, 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are severely damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must accurately reflect payments and credits, yet multiple violations have occurred : payments I made were not properly recorded, and there are blatant calculation errors in the reported amounts. Furthermore, I was not given the mandatory 21-day notice before a payment was due, rendering any late payment marks invalid. These inaccuracies constitute a direct violation of federal law and unjustly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has severely damaged both my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That promise has been blatantly ignored these inquiries persist. This failure to act is utterly unacceptable. The continued presence of these potentially fraudulent entries is deeply alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I used Klarna to pay for a {$200.00} XXXX digital gift card from XXXX ( Order # XXXX / XXXX Order # XXXX ). When XXXX delivered the digital code, it was already redeemed before I ever received it. This means the product was defective at delivery, and I never received what I paid for. 

I contacted XXXX directly. They confirmed the code had been redeemed before I received it and that only XXXX can issue a refund. I then contacted XXXX multiple times, and they refused to help, incorrectly claiming no refunds on digital codes. That policy applies only to valid, functional codes not defective products. 

I opened a dispute with Klarna because I paid for a product I could not use. Klarna initially rejected my dispute, claiming XXXX policy prevents refunds. This is incorrect. This is not buyers remorse or misuse this is a faulty goods/ item not received as described situation. 

Klarna refused to reopen the dispute even after I provided : Proof that the code was already redeemed XXXX support transcripts XXXX chat transcripts Proof I never received a working product Klarna is not following required consumer protections for XXXX XXXX XXXX XXXX products, as outlined in the CFPBs own guidance ( dispute rights, refunds for defective goods, and investigation requirements ). I am requesting CFPB assistance because Klarnas refusal to investigate or reopen the dispute forces me to pay for a product I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Card Acquisitions Group
State: ID

Complaint narrative:
Military credit card services says I have a debt from XXXX. A judgement was filed in XXXX, VA but the credit was supposedly taken out in California they were sued by CFPB for such illegal tactics. A judgement was taken out and apparently there is a balance that ballooned up to XXXX I was never notified of a court appearance there for a default judgement was placed. Now XXXX XXXX XXXX XXXX a debt collection company is asking me to pay XXXX. I'm a XXXX percent XXXX XXXX  with no means to pay this debt

Company response to consumer: Untimely response