vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OH

Complaint narrative:
" I am requesting an investigation and correction of inaccurate 2025 late payment notations on my federal student loans serviced by Nelnet ( Account XXXX ). The loans transferred from Great Lakes during a period of confusion, and I did not receive clear payment instructions. In XX/XX/year> I received paid in full letters from Nelnet and attempted to pay off the full balance in good faith. During that attempt I discovered additional federal loans fraudulently taken out in my name, so I immediately called my bank to stop the payment. This confusion contributed to the 2025 delinquency ( 90180 days ). I have since maintained forbearance and filed XXXX XXXX claim # XXXX. These negative marks are currently preventing me from qualifying for a conventional mortgage. Nelnet denied my goodwill request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XX/XX/year>, I have been all day trying to open a savings account in Marcus Goldsach Bank after I fill the whole application tells me that it needs more information, I go to the chat they can not help me the verification of the identity, I call them ask me the same questions that was in the application they asked me my social security number 3 times, and everything else and after supposedly my identity is verified it happens to another person who does not know if it is quality monitoring in summary Nothing was done and I was in this almost all day, and I can not open the account they left me like in the air, I have never had so much complication to open an account and that they have asked me 3 times my social security

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: C/C Financial
State: MI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX CFR XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo representatives refuse to open my businesses bank accounts when I provided all the documentation necessary for opening the account.

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 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I called national credit systems upon seeing a charge on my credit for over {$16000.00}. The representative pushed that I needed to pay {$1.00} in order for them to send me an itemized receipt for the debt that I supposedly owe. When I pushed and asked why I needed to pay in order to get a receipt on a debt they were stating I have, they further started stating their policy which violates my right to have a broken down itemized receipt of the debt that I supposedly owe. I sent two emails requesting the receipt and instead of emailing me back a receipt they started spam calling me from random numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a Capitol One Credit Card inquiry appear XX/XX/year>. This is Not my Capitol One Credit card account. Someone has fraudulent open this 2nd card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 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: FL

Complaint narrative:
XXXX XXXX XXXX Equifax are refusing to look at the the information that I am providing along with my complaint that XXXX XXXX is not reporting correct information and I provide them with facts if they look at the documents that I have turned in on several occasions and they just didnt look at them and refuse to make the company show that they were in line with the laws of this state and XXXX XXXX called me on Friday and the woman on the other end stated to me that they were going to keep reporting it that way and I should stop sending them dispute and I told she was right thats its time that the consumer has a voice in this matter because I think the little man always loses out because all someone has to do is to report and if you dont know any better you are stuck but today I am right and I am fighting not just for myself but for everyone that has fallen on hard times and nobody to fight for them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

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 2026-03-24 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: NC

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: SD

Complaint narrative:
I disputed this debt with Meridian Financial and requested validation twice. My initial request resulted in Meridian providing only a copy of a contract and account statement from the original creditor ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), a foreign entity, which does not establish that Meridian has legal authority to collect. I sent a second validation request, delivered on XX/XX/year>. Meridian has not responded and has failed to provide proof of ownership or assignment of the debt. Despite failing to validate the debt, Meridian continues to report this account to XXXX and attempt collection. This is a violation of the FDCPA and FCRA, as the debt remains unverified and is being reported inaccurately.

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 2026-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas denial of my fraud claim ( Claim # XXXX, {$400.00} ). The bank determined that the transaction was authorized and therefore denied reimbursement. However, this transaction was the result of fraud. I was misled and deceived by the other party and did not knowingly authorize this transaction under legitimate circumstances. I reported the incident promptly and took appropriate steps, including filing a police report with the XXXX Police Department and submitting a XXXX fax with supporting documentation to the bank. Despite this, Bank of America denied my claim, stating that the transaction was completed as instructed. This does not take into account the fraudulent context under which the transaction occurred. This is not consistent with my normal account activity, and I have no history of similar claims. I have been a responsible customer and acted in good faith throughout this process. I am requesting : A full reconsideration of my claim Confirmation that all submitted documentation ( including my police report and faxed materials ) has been reviewed Reimbursement of the {$400.00} as a result of fraud or as a one-time courtesy This financial loss has impacted me, and I believe the bank has not fully considered the circumstances of this case.

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 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Product : Credit Card Issue : Problem with a purchase shown on your statement Billing dispute Company : American Express Complaint Text : I am submitting this complaint regarding interest charges assessed on a newly opened American Express XXXX account that I believe warrant a reasonable resolution. On XX/XX/year>, I wrote and mailed a check to pay the initial balance on my account, which consisted of the {$890.00} annual membership fee. The payment due date was XX/XX/year>. The check was written and mailed XXXX days prior to the due date, and I reasonably expected it to be received and applied in time. When I later received a notice indicating that the payment had not been received, I immediately contacted American Express and paid the balance by phone. I also enrolled in AutoPay to prevent any future issues. The original check was ultimately received and posted to my account on XX/XX/year>. Because the payment was not credited before the due date, interest charges were assessed. American Express charged {$540.00} in interest on the XX/XX/year> statement, which they agreed to reverse as a one-time adjustment. However, an additional {$510.00} in interest was charged on the XX/XX/year> statement as trailing interest, and American Express has refused to reverse this amount despite multiple requests and escalation attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

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 2026-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Modern Mortgage Financial, LLC
State: PA

Complaint narrative:
I was working with Modern Mortgage Financial , LLC to refinance my existing mortgage. I started this process in XXXX or XXXX. After many many different copies of closing cost statements, I repeatedly asked XXXX and his boss, on recorded lines, if the closing cost statements they sent me included in the cash back balance the reimbursement for my appraisal and the leftover escrow account that they promised me I would get back. Every time I asked both of them this question they repeatedly told me that the cash back amount listed on my closing statement did NOT include those fees and that I would receive a separate check for them which I have never received. They knew that was XXXX of the reasons that I went with them was because they promised me my appraisal fee back so I could pay off that charge on my credit card. I have called more times than I can count and left multiple text messages and neither of them will respond to me. I just want back what they promised me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
I have received a note from debt collection company called " Credit management company '' that I do have a balance due for " XXXX XXXX XXXX '' ( XXXX XXXX ) of {$1900.00} for my son regarding an emergency visit for " Adventhealth at XXXX XXXX '' on XX/XX/year>, " XXXX XXXX XXXX '' failed to send me any letters/ statements regarding the balance, I was surprised that they sent it to collection already without trying to send me an official statement/bill on my address, Also, I wasn't expecting to get bills from third party, I have also provided the insurance information during the emergency visit and the hospital was able to claim the bills but the third party didn't claim any of these bills. I tried to call " XXXX XXXX XXXX '' to fix the issue and claim it to my son 's insurance multiple times but they mentioned that they can't call the dept back to fix it, leaving me with no options to have it paid or getting adjusted per my insurance rates. Also, they haven't applied the financial assistance program which I did apply for on the hospital and I was approved for 80 % discount for the total out of pocket balance. The debt collection company " Credit management company '' kept calling me every day to collect the debt and that was very stressful specially when they were calling during my working hours, and they were really abusive on their language like " You have to pay '', " Why are you not paying your son 's service ''! also they called me even after I sent them the dispute letter ( attached ) to dispute and ask for information and also asking them to stop collecting the debt until I get those information and itemized bill and a they mentioned some misleading information over the phone like " the insurance had paid their portion '' however they not! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am a business owner ( XXXX ). I have two open cases with Chase XXXX XXXX : XXXX and XXXX. These cases relate to an unfair chargeback where Chase approved a refund to a customer who received and is using my product. The Communication Problem : On XX/XX/year>, I sent a detailed email to Chase XXXX XXXX ( XXXX and XXXX ) clearly stating : I prefer to communicate by email only because my English is not strong and phone calls lead to misunderstandings. If they insist on a phone call, they must provide a Turkish-speaking representative and the call must be recorded for documentation. Chase 's Response : Chase completely ignored my written request. They have continued to call me by phone multiple times but have NOT provided any written response to my email. This has been going on for weeks. Previous CFPB Complaint : I previously filed a CFPB complaint ( # XXXX ) about the chargeback itself. Chase gave a misleading response saying " no claim on file '' and the complaint was closed, but the issue is not resolved. Chase is now harassing me with phone calls while refusing to put anything in writing. Why This Matters : Without written communication, I have no proof of what is discussed. Language barriers make phone calls difficult and risky for me. I have clearly communicated my needs to Chase, and they are ignoring them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: MI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am submitting a complaint regarding a deferred interest charge applied to my account financed through Synchrony Bank for a XXXX procedure totaling approximately {$3900.00}. At the time of purchase, I was told that the financing was interest-free. At no point was it clearly explained XXXX me that this was a deferred interest promotion, where interest would accrue from the original purchase date XXXX be added in full if the balance was not completely paid off within the promotional period. I have made consistent, on-time payments toward this balance. If I had clearly understood that interest was accruing in the background XXXX would be retroactively applied, I would have taken steps XXXX ensure the balance was paid in full before the promotional period ended. After the promotional period expired, I was charged approximately {$1300.00} in interest all at XXXX. This was unexpected and not clearly disclosed in a way that I understood at the time of the agreement. I have contacted Synchrony Bank as well as the merchant ( LASIK provider ), XXXX XXXX parties have declined XXXX assist or provide any resolution.

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 monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint against Capital One Bank regarding a stolen mailed check that was fraudulently deposited with a forged endorsement. Capital One issued a check in the amount of {$700.00}, mailed XXXX me as the payee. This check was stolen XXXX deposited by an unauthorized person. The check was supposed XXXX be given XXXX me while the account was closed on XX/XX/XXXX. I never received it, so I called in on XX/XX/XXXX XXXX ask for a re-issue. The agent told me it will be issued after XXXX XXXX XXXX business days, with a signature required. On XX/XX/XXXX, I contacted Capital One for an update, as I haven't received the check yet. The agent says the check was cashed on the XXXX, which is the day after I called. I contacted Capital One multiple times on XX/XX/XXXX XXXX XX/XX/XXXX for the reissued check. Capital One refused XXXX incorrectly told me that I must contact the depository bank myself XXXX recover the funds. This is incorrect under XXXX Articles XXXX XXXX XXXX : as the drawer XXXX issuing bank, Capital One remains liable until the funds are properly paid XXXX me, the intended payee. The depository banks breach of presentment warranty is an internal matter between banks. Capital One has failed XXXX make me whole despite my timely report ( within the XXXX window under Regulation CC and state law ). This has caused significant financial hardship XXXX inconvenience. I have requested the check image, as they promised XXXX send it XXXX me, XXXX I am still waiting for it. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Unauthorized transactions occurred over time on an account that was not my primary account, so they were not discovered immediately. XXXX the transactions were discovered during a tax-season review, TD Bank was notified XXXX asked XXXX conduct a complete investigation. XXXX claims were opened : Claim XXXX for {$6300.00} Claim XXXX for {$19000.00}

Company response to consumer: Closed with explanation