vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
Complaint Against XXXX XXXX XXXX Company Improper Vehicle Disablement I am filing a complaint regarding improper and inconsistent enforcement actions taken on my auto loan account. My loan requires biweekly payments, with my most recent payment due on XX/XX/XXXX. I am not significantly delinquent and am only one payment cycle behind. I had planned to make this payment on XX/XX/XXXX, which aligns with my pay schedule. For approximately the past 9 months, I have consistently operated under a 7-day grace period before any enforcement action was taken. During this time, I made payments within that timeframe without issue. However, on this occasion, my vehicle was disabled when my payment was only 4 days past due. This action occurred before the expiration of the previously established grace period and without any notice of a change in policy. Given that this is a biweekly loan, minor timing differences between due dates and paydays are expected. I relied on the lenders established pattern of allowing a reasonable grace period to manage these timing gaps. The early disablement of my vehicle was unexpected, disruptive, and inconsistent with prior conduct. I believe this may constitute an unfair or deceptive practice and improper use of a starter interrupt device. I have demonstrated a consistent effort to stay current on this account and am seeking a fair and reasonable resolution. Sincerely, XXXX XXXX XXXX XXXX account 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 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am submitting this complaint because the company failed to adequately address my identity theft claim. In its prior CFPB response, the company stated that if I believed the account was fraudulent, I should provide an Identity Theft Report, police report, or notarized fraud affidavit. However, I had already provided identity theft documentation prior to that response. I am attaching the documentation again with this complaint. The company did not explain why my identity theft claim was rejected, did not identify any evidence showing that I personally opened or authorized the account, and did not address the contents of the identity theft documentation that I submitted. The companys response relied primarily on account statements and general assertions regarding ownership of the debt. Those documents do not establish that I incurred the debt or that I authorized the account if it was opened through identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I called SoFi bank when i received a text message about usual activity on my account for {$4.00} I told them it was me trying to purchase the app even after answering the two factory security questions XXXX locked me out of my account. I called back asking them why am I blocked after I already identified myself, I was told that need to verify myself in order to access my funds I got online tried to verify myself but was unsuccessful due to my Driver License being expired and only have temporary she said that she couldn't do anything i asked to speak with her manager. I explain everything to her and also me she help I got upset and told the so I'm unable to access my funds for 4-6 weeks so because of this I can't pay my rent or any bills or buy food. She said yes, I will have to wait until i get my DL, Alls he said was she understands and have a nice day she offered no resolution, so I sent out some email and I did get a response from someone apologized for the inconvenience and that my account is fully functional but it was not, I called back she told me know that its only my physical card that works that made no sense when email was stating that I can use my account after 30 minutes I disconnected it was late so ill callback tomorrow and i ended getting a text @ XXXX stating usuals activity and then mt account was temporary lock I am frustrated because i will lose a a lot and no one seems to care XXXX help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting this complaint regarding Experians repeated failure to conduct a reasonable investigation of a disputed collection account reported by XXXX XXXX XXXX, XXXX. I have disputed this account multiple times over an extended period. Experian continues responding that the account was verified by the furnisher, but Experian does not appear to conduct any independent or reasonable investigation beyond forwarding the dispute back to the reporting company. This same account was previously removed by XXXX XXXX XXXX after investigation. Experian is now the only bureau continuing to report the account. On XX/XX/year>, a default judgment was entered in my favor against XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX XXXX, Case No. XXXX. The court found the defendant in default after proper service and awarded judgment in my favor in the amount of {$2000.00} plus interest and costs. Despite being provided dispute documentation and despite the existence of a court judgment involving this furnisher, Experian continues relying solely on the furnishers certification that the account is accurate without providing any meaningful explanation of the investigation performed or method of verification used. I am requesting : XXXX. A reasonable reinvestigation of this account ; XXXX. Disclosure of the method of verification used ; XXXX Review of the attached court judgment and supporting documentation ; XXXX. Deletion of the account if Experian can not independently verify the information accurately and completely. I believe Experians handling of this matter has been inadequate and has caused ongoing harm to my 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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
I paid my XXXX payment on XX/XX/XXXX. I actually overpaid. The bank website misapplied my payment as an additional payment to principal rather than as my regular monthly payment. The bank application is showing that my XXXX payment was never made as a result. I figured it out in late XXXX and made them aware. I have spoken to four separate people over the last two weeks, and while every one of them has said they recognize the error, nobody has fixed my issue. It has now been reported to my credit as overdue. Plus I am unable to make my XXXX payment as this still isn't fixed and it wouldn't be applied correctly. It is now affecting my credit and ruining my peace of mind. I haven't been late on a mortgage payment ever in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Activehours
State: MI

Complaint narrative:
On XX/XX/year>, EarnIn supervisor XXXX XXXX confirmed in writing that I meet all requirements for ADP verification at XXXX XXXX XXXX and am eligible for manual enablement of the feature. Superviso r XXXX XXXX then directly contradicted this in the same chat thread, claiming " there is no way to manually enable the feature '' despite me meeting the criteria XXXX outlined. When I requested XXXX XXXX. 's employee ID number for escalation and CFPB purposes, he refused and stated " we're now going in circles '' before closing the chat to avoid accountability. Immediately after this interaction, EarnIn locked my account. The app now shows " Almost there! Just need to verify banking/employment '' despite my account already being verified and active for months. This retaliatory lockout is withholding approximately {$100.00} of my earned wages that I already earned. Due to this, I can not pay my electric bill. XXXX XXXX XXXX has scheduled a service shutoff today XX/XX/year> at XXXX. I have {$0.00} available today and do not get paid until Thursday XX/XX/year>. EarnIn 's actions constitute deceptive practices, refusal of service, and retaliation for disputing their policy. I am requesting immediate account unlock, XXXX verification enabled, and release of my earned wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Additional info for claim XXXX. UPDATE ON XX/XX/XXXX : I am updating this complaint with critical new evidence of ongoing violations. On XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX notified me that Spring Oaks Capital has verified this dispute. Spring Oaks Capital falsely verified this debt to bureaus despite failing to provide the contract or chain of Title I requested. This proves they are actively reporting unvalidated, unverified data to ruin my credit after receiving my timely XX/XX/XXXX dispute. I am uploading the cover letter from Spring Oaks Capital dated XX/XX/XXXX. This letter proves a flagrant FDdCPA violation. Spring Oaks Capital updated my credit reports on XX/XX/XXXX but the envelope they sent a statement only in was postmarked XX/XX/XXXX. They intentionally updated credit files before mailing out their response, completely violating the mandatory collection freeze. Furthermore, this letter admits they are a third party buyer collecting on a XXXX XXXX XXXX XXXX account, yet they provided zero legal chain of Title or contracts proving ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent Aargon Agency a written dispute requesting validation of the debt and a detailed itemized billing statement. On XX/XX/year>, I sent a second written request for documentation identifying the specific services allegedly rendered. I also disputed the account with XXXX. Aargon subsequently provided documents showing only summary department charges of {$4500.00} for XXXX XXXX, {$3600.00} for XXXX, and {$310.00} for XXXX, with a reported patient balance of {$3400.00}. No detailed itemization, laboratory test records, medication records, provider notes, XXXX billing codes, or documentation identifying the specific services allegedly provided were supplied. Despite my requests, XXXX continued to verify the account as accurate and Aargon continued to maintain the reporting. The documentation provided does not identify the actual services that make up the balance being reported. I believe the investigation was inadequate because neither Aargon nor XXXX provided sufficient documentation to substantiate the accuracy of the reported amount. I am requesting a proper investigation and deletion of the account if the furnisher can not provide complete supporting documentation.

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 2026-06-10 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: GA

Complaint narrative:
There is a charge for {$2200.00} dollars for the apartments XXXX XXXX. I paid my rent but the money orders were stolen by a staff member and I was charged. I have reached out to XXXX XXXX and the manager refuses to speak to me. I have also reached out to the debt collector National Credit Solutions to receive a validation of debt and I wasnt provided one. This goes again the FCRA ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am filing a formal complaint against NRA Group LLC for violating the FDCPA and FCRA regarding ID XXXX ( Original Creditor : XXXX XXXX XXXX, Account XXXX ). This alleged medical debt stems from a routine service on XX/XX/XXXX that is completely invalid due to a documented provider coding error. XXXX XXXX XXXX failed to code the claim to reflect my family history of XXXX XXXX, causing XXXX XXXX insurance to process it incorrectly. The hospital previously confirmed they would correct and resubmit the claim, but instead, it was sold/transferred to collections. NRA Group LLC began reporting this item to my credit report without ever delivering a valid, written 30-day validation notice, claiming instead that they sent a text message on XX/XX/XXXX. Furthermore, they have entirely ignored my formal dispute rights. I sent comprehensive written disputes to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An itemized statement alone does not satisfy validation when the fundamental accuracy of the medical coding is what is being disputed. NRA Group LLC has refused to answer my last three attempts at contact, has refused to provide documentation proving the balance is accurate and legally owed, and has failed to return the file to their client for coding review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which governs the permissible purposes for obtaining and furnishing consumer reports, by reporting information on my credit file without my written consent or any other lawful authorization. I did not provide written instructions authorizing the collection, use, disclosure, or dissemination of this information. As a result, the reporting and maintenance of these items on my consumer file constitute a clear violation of federal law. I have formally disputed the items at issue and challenge the agency to provide competent evidence demonstrating a legally permissible purpose for their 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 non-monetary relief
Consumer complaint received 2026-06-10 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: AZ

Complaint narrative:
The statement disregards the robust oversight framework and accountability controls that support my actions, while overlooking my proven dedication to integrity, professionalism, and dependable conduct.

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 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
For over a year we had no property manager or anyone that oversees the building so when we finally did get one, it was nothing things continued as it normally did. I was paying my rent. Next thing you know I got to pay my rent and I have a balance I called to ask what the balance was from and they told me unpaid rent. I told them my rent XXXX and I that was paid for the last three months apparently the rent was raised. I did not sign a lease agreeing to this. I asked them to provide that lease. All I got in return was an email stating that my lease is not going to be renewed and I need to be out by XX/XX/XXXX of XXXX. Upon moving out, I get a letter stating I owe {$8000.00}. I asked them to provide receipts with the dates on all the stuff that they had to fix in the apartment as well as the unpaid rent and the signed lease that I never signed they sent me pictures of some things that were left behind in the apartment and then that was it. I checked my credit again and went from XXXX to XXXX. I disputed it multiple times without hearing anything and they just keep adding more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint against Chime regarding the handling of my account closure and unresolved dispute claims. I filed disputes concerning duplicate transactions that were charged to my account. While these disputes were still under investigation, Chime closed my account. Since the closure, I have not received a clear update regarding the status of my disputes, the outcome of the investigation, or any explanation of how the account closure affects my claims. I have made efforts to obtain information from Chime but have not received adequate communication regarding : * The current status of my duplicate transaction disputes. * Whether the disputes have been approved, denied, or remain under investigation. * The reason my account was closed while the disputes were pending. * Any funds or credits that may be owed to me as a result of the disputed transactions. I am requesting that Chime provide a complete written explanation of the account closure, the final determination of all pending disputes, and any reimbursement or credits due to me. I also request that Chime review whether proper procedures were followed when closing my account during an active dispute investigation. I believe consumers should receive timely communication and transparency regarding disputed transactions and account closures. I am seeking assistance in obtaining a resolution and a formal response from Chime regarding this matter. Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: Chime Financial Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX, chime keeps deniaing ny disputes.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
On Friday XX/XX/year> I applied on the online SoFi app to refinance my current loan with funds, because the advertisement displayed, applying will not affect your credit. On the contrary, I received a unnecessary hard pull. Not to mention, I was approved at an excessively high predatory interest rate without additional money. So, on Saturday XX/XX/year> I spoke with SoFi account manager XXXX regarding the outrageous deception, and he confirmed the hard pull. Next, he used the online application, and credit pull to request lower amounts ; which were also denied. He assured me he would forward my concern to the escalation department, and I would receive a callback between 48-72 hours. Of course, 72 hours passed, and I did not receive a call back. However, on XX/XX/year> I received a call from XXXX in the resolutions department. XXXX, adamantly lied, that my online application on XX/XX/year> was NOT a hard pull, and attempted to deflect to a previous application over three months ago associated with the current loan. Clearly, her egregious actions is an indication of SoFis unscrupulous management, because I did receive a hard credit pull on XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding a predatory, non-transparent change to my Everyday Checking account terms and a subsequent failure by customer service to resolve the resulting unfair penalties. For years, I maintained this account under the established terms that a {$500.00} minimum daily balance would waive the monthly maintenance fee. In late XXXX, Wells Fargo altered these terms, tripling the required minimum daily balance to {$1500.00} and increasing the fee from {$10.00} to {$15.00}. As heavily documented in online consumer banking forums and public consumer complaint threads, I am far from the only customer impacted by the non-transparent nature of this rollout. Wells Fargo completely failed to send explicit, dedicated notifications regarding a massive 200 % increase to the balance threshold. Instead, the bank chose to bury this major change in the fine print of multi-page statements during the summer of XXXX where it would easily be overlooked. Because Wells Fargo deliberately failed to proactively flag this change to long-term accounts, I continued utilizing my checking account in good faith based on the long-standing {$500.00} rules, resulting in consecutive predatory fees being quietly deducted from my balance without my knowledge. Over the last 7 months, I have been penalized a total of {$95.00}, with an additional {$15.00} fee expected for the XXXX cycle while this claim is under review, bringing the expected total to {$110.00} : XX/XX/XXXX : {$10.00} Monthly Service Fee XX/XX/XXXX : {$10.00} Monthly Service Fee XX/XX/XXXX : {$15.00} Monthly Service Fee XX/XX/XXXX : {$15.00} Monthly Service Fee XX/XX/XXXX : {$15.00} Monthly Service Fee XX/XX/XXXX : {$15.00} Monthly Service Fee XX/XX/XXXX : {$15.00} Monthly Service Fee Expected XX/XX/XXXX : {$15.00} Monthly Service Fee When I called customer service to dispute these surprise charges, both the front-line agent and the supervisor stated that their internal system restricted them from offering a fair remedy. On XX/XX/XXXX, they processed two " Monthly Service Fee Reversals, '' but only for {$10.00} each, totaling a minor {$20.00} refund. They refused to refund the remaining balance of the fees, despite the fact that these charges only occurred because the bank dramatically shifted the account terms without proper notice. Because standard customer service channels are capped by internal software from fixing this, I am escalating to the CFPB for a corporate review.

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