vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and unfair reporting by Chase concerning my credit card account. My Chase credit card account was closed due to missed payments during a period of financial hardship. After the account closure, I took responsible steps to address the debt by enrolling in a financial repayment program through XXXX XXXX and have been actively working toward repayment through an established monthly payment plan. However, Chase continues reporting the account inaccurately to the credit bureaus as open even though the account has already been closed. This reporting is misleading and does not accurately reflect the true status of the account. Additionally, despite my efforts to resolve the debt responsibly through a structured repayment program, the continued inaccurate reporting is negatively impacting my credit profile and ability to recover financially. I am requesting the following : 1. Immediate correction of the account status to accurately reflect that the account is closed. 2. Investigation into the accuracy of all information being reported on this account. 3. Removal of any inaccurate or misleading reporting associated with this account if Chase can not verify complete and accurate reporting under the Fair Credit Reporting Act ( FCRA ). 4. Written confirmation once the corrections have been made with all credit bureaus. I have acted in good faith to resolve this matter through a financial management plan and expect accurate reporting in return. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
I have no idea who currently has my car loan. I have tried to give it back so many times I have no made a payment since XX/XX/year>. No one will call me back no one will update my credit report XXXX XXXX XXXX XXXX or Williams & Fugde I have no idea what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Regional Acquisition Group, Inc.

Complaint narrative:
CREDIT BUREAUS BREACH, EXPERIAN WAS XX/XX/XXXX, XXXX XXXXXXXX XXXX WAS BREACH IN XXXX, OVER XXXX XXXX WAS XXXX have tried to apply for business loans and credit cards and insurance they keep denying me of illegal transactions due to credit score and history or income I am writing to formally file a complaint against Equifax, Experian and XXXX XXXX regarding a significant compromise of my personal information always subsequent, appears of her authorized account and requires on my credit report. Despite my efforts to secure my identity, fraudulent information has been reported to my files across all three major bureau I am requesting that the CFPB intervene to ensure these bureaus fulfill their legal obligation to maintain accurate data and protect consumers from the lasting impact of identity compromised.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am submitting this complaint regarding a denied fraud claim with Navy Federal Credit Union involving unauthorized transactions totaling approximately {$120000.00} on my credit card ending in XXXX. My credit card remained in my possession at all times and was rarely used. The account had been set up on automatic payments, and I first became aware of the suspicious activity only after I was contacted by Navy Federal regarding transactions on the account. As soon as I was notified, I immediately reported the activity as unauthorized. Prior to this incident, I had also contacted Navy Federal regarding suspicious activity involving my checking account, where I was informed that approximately {$1000.00} was being redirected to a closed account that I did not recognize. This raised concerns that my personal or financial information may have already been compromised. Navy Federal investigated my fraud claim and denied it, stating that no error occurred and later referencing discrepancies in the information provided. I submitted a second review request with additional clarification, supporting documentation, and formal identity theft documentation. I filed a police report with the XXXX Police Department ( Case # XXXX ) and an Identity Theft Report with the Federal Trade Commission XXXX XXXX the unauthorized use of my financial information. After becoming aware of the activity, I contacted XXXX and observed messages indicating to requests to stop returning funds to the original card used and instead direct funds to a different account. When I mentioned this to XXXX they blocked me from gaining access to the account to be able to retrieve these messages to use and related records as supporting evidence, I was informed that I would be required to sign a liability statement accepting all prior charges and agreeing not to dispute any transactions in order to regain access. I did not agree to those terms because doing so would require me to accept responsibility for transactions I did not authorize. I requested that Navy Federal obtain all relevant records directly from XXXX, including changes to withdrawal methods, payout instructions, destination accounts, account access information, and customer service communications. Despite the information and documentation provided, Navy Federal upheld its denial and continues to hold me responsible for the full amount of the disputed transactions. I am requesting that Navy Federal Credit Union conduct a fair and thorough reinvestigation, review all relevant merchant records, remove me from responsibility for unauthorized transactions, and correct any related balances, fees, or negative reporting associated with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I received a targeted promotional mailer from PNC Bank offering a {$700.00} bonus for opening a new Virtual Wallet with XXXX XXXX checking account and completing qualifying direct deposits. The mailer included a unique promotional code and specifically instructed me to apply through XXXX and enter the code during the application process. On or about XX/XX/year>, I opened the account exactly as instructed using the promotional website and unique code provided in the mailer. The application process would not allow the account opening process to continue without entering and validating the code, so it is impossible for me to have opened the account through that offer without successfully using the code. The mailer stated that to qualify for the {$700.00} bonus, I needed to complete qualifying direct deposits totaling at least {$5000.00} within 60 days. On XX/XX/year>, I completed a qualifying ACH direct deposit in excess of {$5000.00} into the account. The funds were deposited and remained in the account. I therefore fully satisfied all requirements of the promotion. After waiting for the bonus, I contacted PNC Bank regarding the missing promotional payment. PNC representatives initially stated that no offer was attached to my account. I explained that this was impossible because the offer website required my code to be entered and validated before the application could proceed. I also informed them that I retained the original mailer and proof of the qualifying direct deposit. PNC then advised me they would investigate and requested that I wait one week. After the investigation period, PNC contacted me and stated that my promotional code was not valid and that they would not honor the {$700.00} bonus. This response is unacceptable and inconsistent with the facts. I possess the original promotional mailer addressed to me, containing the promotional code and offer terms. I also have proof that I opened the account through the designated promotional website and proof that I completed the required qualifying direct deposit. If the promotional code had truly been invalid, the application system should not have accepted it or allowed the account to be opened through the promotional portal. PNC induced me to open this account and transfer substantial funds based on the promise of this promotional incentive. I fulfilled all advertised requirements in good faith. PNC is now refusing to honor the promotion despite clear evidence that I complied with the offer terms. I am requesting that PNC Bank honor the advertised {$700.00} promotional bonus in full and correct any internal error related to the promotional code application.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
To Whom it May Concern : This letter serves as a formal dispute of inaccurate and unverified information currently being reported on my consumer file maintained by ChexSystems. I recently reviewed my consumer report and discovered the following account listed as charged off. Financial Institution Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/year> Amount Reported : {$430.00} I dispute this account in its entirety. Pursuant to the Fair Credit Reporting Act ( 15 U.S. C. 1681 et seq. ), you are required to maintain and report only information that is accurate, complete, and verifiable. The reporting of a charged-off account without proper verification violates your obligations under 15 U.S.C 1681e ( b ) and 15 U.S.C. 1681i. Specifically : I request a reasonable reinvestigation of this account. I demand strict proof of the alleged debt Including the original signed account agreement bearing my signature A complete payment history Documentation showing how the charged-off balance was calculated Evidence that ChexSystems has been properly authorized to report this information If you can not provide competent documentation verifying the accuracy and completeness of this account within the statutory time period, you are required to delete it immediately from my consumer file. Please also provide : -The name, address, and telephone number of the furnished that verified this information. -A description of the procedure used to determine the accuracy and completeness of the information, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Be advised that reporting information that can not be properly verified, or failing to conduct a lawful reinvestigation, may constitute willful or negligent noncompliance under 15 U.S.C 1681n and 1681o, subjecting your company to civil liability. You have 30 days from receipt of this certified letter to complete your investigation and provide written results. If the disputed information is not properly verified and removed, I will not hesitate to file formal complaints with Consumer Financial Protection Bureau and pursue any and all remedies available to me under federal law. This letter is not a refusal to pay, but a notice of dispute regarding inaccurate reporting. Please update my consumer file accordingly and send me a corrected updated copy of my report. Thank you

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo Bank , N.A . for improper denial of a fraud claim involving {$10000.00} in unauthorized electronic fund transfers from my business checking account. Wells Fargo has denied my claim on the basis that my debit card was in my physical possession at the time of the fraud. This rationale is legally inapplicable to social engineering fraud and constitutes a violation of the Electronic Fund Transfer Act and Regulation E.

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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding the servicing transition of my account from Upgrade to XXXX and the resulting inability to access my account, receive statements, or make timely payments. After my account was transferred from Upgrade to XXXX, I was unable to successfully complete the identity verification process required to access the new XXXX XXXX platform. Because of this, I could not log into my new account or manage payments through XXXX. At the same time, I was also blocked from making payments through the prior Upgrade platform because the account had already been transitioned out of the old system. As a result, I had no functional access to either servicing platform and no reasonable ability to make timely payments during this period. In addition, I did not receive periodic billing statements or adequate account notices during the transition. Without account access or statements in upgrade or XXXX. attached you can see the last statement i was given was in XX/XX/XXXX and they reported lates in XXXX - XX/XX/XXXX. Despite these servicing and access failures, late payments were reported against me, causing financial and credit harm. I made attempts to access the account and resolve the issue, but the servicing transition failures prevented normal payment processing. I believe these actions may constitute violations of consumer protection laws and regulations, including : Fair Credit Reporting Act ( FCRA ) relating to inaccurate or unfair credit reporting Truth in Lending Act ( TILA ) and Regulation Z regarding periodic billing statement requirements Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) California Consumer Financial Protection Law ( CCFPL ) I respectfully request an investigation into the servicing transition practices, account access failures, lack of statements, and resulting late payment reporting. I also request correction of any inaccurate negative reporting, reversal of fees associated with this issue, and any other appropriate relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
RE : FORMAL DISPUTE OF INACCURATE, INCONSISTENT, AND UNVERIFIABLE REPORTING FCRA 1681e ( b ), 1681i, 1681s-2, 1681c, and FDCPA 807 & 809 To Whom It May Concern : I am formally disputing inaccurate, inconsistent, incomplete, and unverifiable information appearing on my consumer credit report pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The account ( s ) being reported contain serious reporting discrepancies including : * Charge-off and/or collection reporting inconsistent between credit bureaus * Conflicting OPEN versus CLOSED account status * Inaccurate payment history * Incorrect delinquency reporting * Unverified derogatory information * Inconsistent balances, dates, and account information * Failure to maintain maximum possible accuracy * Failure to conduct a reasonable investigation Under FCRA 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of information reported. Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information within 30 days. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not furnish information they know or should know is inaccurate. Under FCRA 1681s-2 ( b ), furnishers are required to investigate disputes forwarded by consumer reporting agencies and correct inaccurate information. Under FCRA 1681c, obsolete and improperly reported derogatory information may not continue reporting unlawfully. Under FDCPA 807, debt collectors may not use false, deceptive, or misleading representations regarding a debt. Under FDCPA 809, I request validation and competent documentary evidence supporting the reporting of this alleged obligation. Because the reporting is inconsistent and unverifiable, I demand : 1. A complete reinvestigation of the disputed account ( s ) 2. Verification of the correct account status 3. Verification of the payment history and delinquency information 4. Copies of all documents used to verify the account 5. Method of verification used 6. Original signed agreement or contract bearing my signature 7. Verification of the date of first delinquency 8. Immediate deletion of any information that can not be fully verified Please note that automated verification systems such as XXXX do not satisfy the requirement of a reasonable investigation under the FCRA. If you can not provide competent documentary evidence proving the complete accuracy of this reporting, the disputed information must be deleted immediately from all consumer reporting agencies. Continued reporting of inaccurate, incomplete, inconsistent, or unverifiable information may constitute violations of : * FCRA 1681e ( b ) * FCRA 1681i * FCRA 1681s-2 * FCRA 1681c * FDCPA 807 * FDCPA 809 I request written confirmation of the investigation results and an updated copy of my consumer report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
I have transferred {$2700.00} using money transfer plaform Abound on XXXX of XXXX 2026. Transaction id : XXXX. They say the transfer will take 12 business days or 18 days to transfer. I tried reaching out to customer care and they say it will take more time and not confirming any date. I wanted to send this money as my family needs support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I was contacted by a debt collector representing XXXX XXXX XXXX. I did not opt in on allowing any payments if I was over my limit I was charged a late fee and i don't know what else! My limit was only XXXX I'm being sued for XXXX when that was never my limit! I ask to settle for something more reasonable and they are not willing to! They are threatening me to sue and garnish my wages! I shouldn't have to pay double my limit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent Portfolio Recovery Associates a written direct dispute and validation demand by certified mail regarding a debt-buyer account in my name ( original creditor XXXX XXXX XXXX balance claimed {$4700.00} ). PRA responded by letter dated XX/XX/XXXX. The response contains three problems. First PRA 's response cover letter contains the New York DFS-mandated time-barred-debt notice required by XXXX XXXX XXXX XXXX. XXXX states in writing : " Your creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt may have expired your creditor or debt collector will NOT sue you to collect this debt. '' That regulation requires the notice only when the collector believes the statute of limitations has expired. PRA has therefore admitted in writing that this debt is unenforceable under New York CPLR 214-i. Despite this written admission, PRA continues to credit-report the account on XXXX, XXXX, and XXXX as an active collection without disclosing the XXXX admission on the tradeline. That presentation is materially misleading credit reporting and a misrepresentation of the legal status of the debt under FDCPA 1692e. Second PRA reports " Date Opened : XX/XX/XXXX '' on all three credit bureaus. PRA 's own enclosed XXXX sale notification, dated XX/XX/XXXX, confirms XX/XX/XXXX is when PRA acquired this debt not when the original XXXX account opened or when it went delinquent. The XXXX billing statement PRA enclosed ( closing XX/XX/XXXX, payment due XX/XX/XXXX ) shows the original account first went delinquent in early XXXX. By reporting " Date Opened '' as the acquisition date, PRA is artificially extending the seven-year reporting period under FCRA 1681c ( a ) and 1681c ( c ) ( 1 ). CFPB Bulletin XXXX specifically prohibits this practice. PRA is currently subject to the XX/XX/XXXX CFPB stipulated final judgment ( {$24.00} XXXX ) for similar furnishing conduct. Third PRA 's validation under FDCPA 1692g is incomplete. The packet contained one XXXX billing statement ( closing XX/XX/XXXX, balance {$3700.00} ) and the XXXX sale notice ( XX/XX/XXXX, sold balance {$4700.00} ). The packet does not include any reconciliation between those two balances ( a {$930.00} unexplained increase post-charge-off ), the original XXXX cardholder agreement, or chain-of-assignment documents establishing PRA 's standing as the current creditor. Under 1692g ( b ), validation must be sufficient to allow the consumer to verify the debt. This packet does not meet that standard.

Company response to consumer: Closed with explanation