vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I scheduled payment on XX/XX/XXXX for XXXX towards my Chase CC from my XXXX checking account ending in XXXX. After realizing I used the incorrect bank account on XX/XX/XXXX, I called Chase, told them I inadvertently used the wrong account and not to use that account, but said they could not stop this pending payment and referred me back to XXXX. I called the bank and they could not prevent the transaction. The transaction would be rejected for insufficient funds ( fee {$24.00} ). After this happened, I tried to pay the Chase CC online from my correct XXXX XXXX account ending in XXXX, but it would not let me because it showed the balance was paid. I tried this for the next few days, but again, would not let me. On XX/XX/XXXX, I was able to go online and pay XXXX which was what the current balance showed. On XXXX, my XXXX showed a pending transaction of XXXX from Chase. Immediately I called them and explained to them the situation. I reiterated that they were not supposed to be pulling from the XXXX account. I questioned why they were making a 2nd attempt to get payment after I told them not to, and after they knew the first attempt was rejected. I told them the payment was already made from my other account on XX/XX/XXXX. They told me that they could not help me because of their " system ''. I explained that they were going to cause another overdraft fee due to insufficient funds, but again, all I got was " sorry '' it's the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding a personal loan issued through Upstart that i believe was obtained under fraudulent and coercive circumstances. I was the victim of a coordinated romance scam involving deception, psychological manipulation, and step-by-step instructions from an individual who induced me to take out this loan and immediately transfer the funds to third parties. These actions were not taken under normal or informed decision-making conditions. Although the transactions associated with this loan were technically authorized, that authorization occurred under fraudulent influence and coercion. I did not benefit from the loan funds in any way, as the full amount was transferred out under false pretenses as part of the scam. I provided Upstart with documentation including transaction records, communications, and evidence of the scam. Despite this, they determined that the loan is valid and continue to pursue collection as of XX/XX/XXXX. Upstart loan amount : {$11000.00} received on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Deinde Online Services, LLC
State: DE

Complaint narrative:
Someone took a loan out in my name with INTEGRA XXXX. This is not my loan. I even sent a copy of my bank statement showing no loan from them. It's been more than 30 days and I never heard back from them. I keep getting emails see below : Hello XXXX, Your Integra Credit loan ending # XXXX has a past due balance of {$3800.00} and your total outstanding balance is {$3800.00}. Immediate settlement of your past due balance is required. We are offering you savings of 35 % with 4 payment ( s ) of {$620.00}. Log in to your account to view all available payment plans at www.integracredit.com/sign_in. We accept a number of different payment methods, including debit cards and ACH direct debit of your bank account. Our friendly and knowledgeable representatives can be reached at XXXX, Monday-Friday XXXX - XXXX ; Saturday XXXX - XXXX ( Central ) to answer any questions. Sincerely, Integra Credit Customer Support www.integracredit.com Email : XXXX Phone : XXXX Monday-Friday : XXXX - XXXX CT Saturday : XXXX - XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * This offer may change at any time based on changes in the loan characteristics such as changes to the loan balance and the length of time the account has been past due. * * You remain liable for the total amount due until you accept a settlement offer and make all of the payments required under the settlement offer. Collection efforts will continue until you accept a settlement offer. Upon completion of a settlement arrangement, your loan may be reported to the credit reporting bureaus as settled and charged off. Click here to opt out of emails like this. Integra Credit branded loans are made by a licensed Integra Credit company and serviced by Deinde Financial , LLC, doing business as Integra Credit. This communication is from a debt collector and attempts to collect a debt. Any information will be used for this purpose. I have told them be email and phone this is not my loan and I never received any money from them. I want this removed from my XXXX report. I do not owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Majority USA, LLC
State: WA

Complaint narrative:
I attempted to deposit my settlement check for {$390.00} to my majority account, the first deposit was rejected due to endorsement not saying to deposit to majority only, which I wasn't wanting to do, because I was afraid they would do something like this! But I reviewed the eligibility criteria for checks and it met every single one! So I endorsed it and tried to deposit again! This time they rejected it saying the check was not valid and asked for the check stub and screenshots of any correspondence from the issuer which I provided immediately and I was told that it would be reviewed by the team and an update would be provided soon, well weeks passed and no update so I wrote them again and they sent me the same generic response and then again they asked for documents like the first time never even happened! I provided the documents again and they said they were transferring me to the team to speak to them about it, but they never even transferred me. They just typed it and shut my chat down so no more messages on that thread could be sent!! So I opened a new one and a totally different person had no idea what I was talking about but I explained it and they did the same thing and lied about transferring me and closed the chat!! Because I followed their instructions and endorsed it to them only. I'm unable to cash the check elsewhere and it's not able to be reissued!! They keep giving me the runaround and going in circles getting no where!! I need that money. And they are not even giving me any updates other than the check showed irregularities which is not true and I sent ample proof!! But because of them its unable to be cashed anywhere else so they need to help me with this because I did what they asked and I have proof from one of their reps that the check absolutely met all criteria!! So after I provided the documents 3 times. I was told to try and deposit it again and I did with a note saying that I have sent proof of it being legit and provided the phone number for check verification the issuer gave me, and guess what. They rejected it AGAIN saying that it was invalid! The fact that it's absolutely legitimate with stubs and correspondence from issuer leads me to believe that they are rejecting it out of spite because there is XXXX reason for it being rejected! ; and because of them the restrictive endorsement makes it unable to be cashed anywhere else but them!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
A rental collection account is being reported by Transworld Systems in the amount of approximately {$7800.00}. I dispute the accuracy of the balance reported. I was never provided a complete itemized accounting showing how this amount was calculated, including any rent charges, fees, damages, credits, deposits, or payments applied to the account. I disputed the account through consumer reporting agencies, and Transworld Systems verified the account as accurate, but no supporting documentation or itemized ledger was provided to substantiate the exact balance being reported. I am requesting complete documentary support showing how the reported amount was calculated. If the balance can not be fully substantiated with complete records, I request correction or deletion of inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions denial of my fraud claim for an unauthorized debit card transaction in the amount of {$700.00} that occurred on XX/XX/year>. I reported this transaction as unauthorized, stating clearly that I had my debit card in my possession at all times, did not make or authorize the purchase, did not share my card information or PIN, and did not benefit from the transaction in any way. Navy Federal denied my claim, stating only that their information contradicts my claim of unauthorized activity. However, they have refused to provide any specific transaction-level evidence to support this conclusion. I have repeatedly requested documentation and details regarding their determination, including : - Method of authorization ( chip, swipe, or online ) - Whether a PIN was used - Transaction logs and timestamps - Merchant name and location details- Any device, IP address, or digital wallet information associated with the transaction In response, Navy Federal stated that they are unable to provide sensitive or internal information, including data from their internal systems. They have not provided any meaningful evidence showing that I authorized this transaction. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a reasonable investigation and determine whether a transaction was authorized. A generalized statement without supporting evidence does not meet this standard. I maintain that this transaction was unauthorized. The credit union has failed to provide sufficient justification for its denial and has not met its obligations under Regulation E. I am requesting that Navy Federal : 1. Provide the specific evidence used to determine that this transaction was authorized ; or 2. Reopen and properly reinvestigate my claim and issue a credit for the unauthorized transaction. I am seeking reimbursement of the {$700.00} and a proper resolution of this matter in accordance with federal law.

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 2026-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a feature on my checking account for cash advancements that I have used maybe for XXXX years now. In the past at a point in time I was advancing the maximum amount and went to advance myself money and it wouldn't allow me to do the maximum amount ( I think it was XXXX or XXXX ) I called the bank and at that time they said because I used the maximum amount allowed for a year straight that they couldn't allow me to take anymore for a certain amount of time. So fast forward to current time, I went to advance myself just a small amount to cover bills as I have been doing for a few months now. However when I went to advance it was saying I didn't have anything to advance. I called the company. Talked to 4 different representatives and on the phone for 40 mins. ( resulted in me speaking to a supervisor ) they advised that since I used the advancement ( not in full just in general ) for 3 months I was on a 30 day hold. I asked numerous times when the policy changed and asked why I was not notified, they stated that per their records that has always been their standard act of practice. So, really confused. How was I able to use the full advancement previously for a year before anything was revoke or on hold and why is it now just using it in general, not the full amount, for 3 months and there is a hold. All their calls are recorded, I told them to pull the call I made around that time that the employee stated I had a year at the full amount. The only thing the supervisor XXXX said was " I am sorry for the misinformation '' I find this to be totally unethical. There has clearly been a policy change with 0 notification of change, otherwise previously I wouldn't have been able to use it for a year. Had I known the policy changed I would have budgeted my account differently. Now I have about XXXX dollars worth of bills about to bring my account negative or not get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
This complaint concerns inaccurate credit reporting by Nelnet and failure to correct information after receiving valid documentation and notice. The borrower was enrolled in school beginning XX/XX/XXXX, as confirmed by official documentation from the school ( see attached letter from school ). This qualifies the borrower for in-school deferment. Despite this, Nelnet reported late payments for XXXX and XX/XX/XXXX. The borrower provided Nelnet with the school enrollment letter in XX/XX/XXXX clearly showing the XX/XX/XXXX enrollment date. Nelnet failed to properly process this documentation and did not fully correct the inaccurate reporting. While Nelnet removed some negative information, they continue to report late payments for XXXX and XX/XX/XXXX, which is incorrect. In addition, disputes were submitted to the credit bureaus on or about XX/XX/XXXX. More than 45 days have passed without full correction of the inaccurate reporting. Nelnet has therefore failed to conduct a reasonable investigation and failed to correct inaccurate furnished information after being placed on notice. A complaint has also been filed with XXXX XXXX XXXX, and the issue has been escalated directly with Nelnet. Despite these efforts, the inaccurate reporting remains. This constitutes continued furnishing of inaccurate information and failure to correct after the investigation period. Resolution requested : * Immediate removal of late payment reporting for XXXX and XX/XX/XXXX * Application of in-school deferment effective XX/XX/XXXX * Confirmation that corrected information has been furnished to all credit bureaus we tried uploading the credit bureau reports showing the inaccurate information reporting but file is too large so now just uploading the XXXX letter showing borrower was in school and qualified for in school deferment. NOTE : there are MULTIPLE accounts from this servicer, not just 1

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was in XXXX on XX/XX/year> and my phone was stolen at a bar. The party who stole my phone must have seen my passcode being entered before stealing it, enabling them to access all of the passwords on my phone, giving them access to my online banking. They then started to siphon money out of my account by conducting many fraudulent transactions. I have included these highlighted transactions that are fraudulent in the attached photo of my online bank account. I called Wells Fargo the night after my phone was stolen and made them aware that my phone was stolen and that my online banking was compromised. After many calls of trying to get all of these fraudulent charges onto claims, they were denied by the reasons of the following : -You have not lost any devices that included a digital wallet -The transactions were types of amounts similar to your previous purchase pattern This is insufficient reasoning because my phone was stolen and it did indeed have my XXXX XXXX attached to the device. I have attached a screenshot of XXXX showing suspicious activity on my account, which was another way they were siphoning money out of my account and other financial accounts, using my phone. Proving that my phone was stolen. To the second point, these transactions were not similar to previous purchase pattern. There was a XXXX XXXX transfer of {$1100.00}, I have never used or conducted a transaction with XXXX XXXX on this account in the existence of this account, so there is no way that this could be " similar '' to previous purchase patterns. Also, there was an XXXX XXXX balance transfer of {$450.00}, something that is not similar to any transaction I have ever made before. Another transaction of {$470.00} to a vender called " XXXX '' which I am unfamiliar with. Not something similar to any previous transaction. Lastly, there was a credit card fraudulently opened and a cash advance of {$1500.00} and one of {$60.00} was taken from my checking account, not activity that is consistent with my history. I have included attachments of fraudulent activity and proof that my device was compromised.

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 2026-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Selene Holdings LLC
State: NC

Complaint narrative:
Company : Selene Finance Issue : Improper payoff calculation / Servicing abuse Description of what happened : I am writing to file a formal complaint against Selene Finance for what appears to be predatory servicing and an intentional attempt to obstruct the sale of my property through bad-faith payoff calculations. XXXX. Fact Background & Title Dispute : The loan fell into default after I was defrauded by a partner, and due to a significant error by the original title company during closing that took over 6 months to rectify. Selene Finance was fully aware of this curative process and the fraud that preceded it. Despite this knowledge, they have refused to provide reasonable loss mitigation or account for these delays. XXXX. Inconsistent Payoff & Excessive Default Interest : In XX/XX/year>, I received a payoff statement for {>= $1,000,000}. This made sense because the calculation has always been exactly the same ( XXXX original loan x 9.125 % interest rate at XXXX days = {$650.00} a day default. Every single payoff I have ever received at any point of the default process has used this calculation and has noted a {$650.00} a day default. That is also what the customer service has repeatedly told me on the phone, as well as the title company and admitted there is a calculation error. However, once I secured a buyer and notified Selene Finance of the impending sale, the servicer abruptly increased the default interest rate to 20 %. Within less than 60 days, the payoff amount jumped by over {$600000.00}. This increase is mathematically inconsistent with standard per diem interest and appears to be a " XXXX '' tactic to strip the equity I have created through major renovations and improvements, and now can't repay to a handful of other parties who helped make that possible. XXXX. Intentional Obstruction & Equity Stripping : Selene Finance is aware that the property has undergone significant renovations, increasing its value. It appears the servicer is intentionally inflating the payoff to force a failure of the sale so they can acquire the property through foreclosure, a practice known as " equity stripping. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am the owner of XXXX XXXX XXXX XXXX. Chase Bank has placed an unjustified, indefinite compliance freeze on my commercial checking account regarding the deposit of a cleared {$150.00} check ( Check # XXXX ). Chase 's frontline support provided false regulatory instructions, demanding I acquire phone verification from the Secretary of Statea function the SOS does not perform. Furthermore, the maker of the check has confirmed the funds have already cleared their originating bank ( XXXX XXXX XXXX ), meaning Chase has collected the capital but is refusing to credit my ledger or release my existing, untainted operational funds. I have requested a 'Return of Deposited Item ' to remove the liability, which was denied. Chase is actively withholding cleared commercial liquidity based on a broken algorithmic mandate. I am requesting immediate executive intervention to lift the freeze on my treasury.

Company response to consumer: Closed with monetary relief