vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage instructed me that in order to qualify for a loan modification, I was required to miss a payment and not submit any further payments until the modification was approved. I followed these instructions exactly as provided by the servicer. As a result, a 90-day delinquency was reported during the loss-mitigation review period. 

Freedom Mortgage approved the loan modification, and since the modification was finalized, I have made all payments on time and have maintained a perfect payment history for the past 16 months. There have been no delinquencies before or after the modification period. 

Despite this, Freedom Mortgage continues to report the induced 90-day delinquency without any notation or adjustment reflecting that the delinquency occurred at the servicers direction as part of an approved loan modification. While the payment history may be technically accurate in isolation, reporting a servicer-required delinquency without context is incomplete and misleading and does not fairly reflect current credit risk. 

I previously submitted a goodwill request, which Freedom Mortgage denied by stating that it does not change credit reporting as a courtesy. This complaint is not a request for a courtesy adjustment. It is a request for review and correction under the Fair Credit Reporting Acts requirement that information be complete, accurate, and not misleading. 

I am requesting that Freedom Mortgage : Remove or correct the delinquency reporting associated with the loan modification period, or Update the reporting to accurately reflect that the delinquency occurred as part of a servicer-directed loss mitigation process for an approved modification. 

I appreciate the CFPBs review of this matter and request that Freedom Mortgage conduct a thorough review of its reporting practices in 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 2026-01-13 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: CL Holdings LLC
State: NC

Complaint narrative:
Jefferson capital system wants to collect a debt that I did not put in my name I had a roommate that live with me I had a XXXX because I lost my mom and dad and my mom was a pastor so when she told me her mom was a pastor and her father was a deacon of a church and both of her parents passed away and she said she was homeless so I allow her to stay in my house to help her get back on her feet, the person was saying hey XXXX going to put WiFi in the house and its going to be in my name XXXX a praying woman of XXXX so when I was praying and she was at work I just kept staring at the WiFi that she bought in my house dont know if you guys believe in XXXX and the Holy Ghost but XXXX told me to call XXXX  I was lead by XXXX did you not know that here I am thinking all this time she put the XXXX  bill in her name she didnt she use my information and put the bill in my name now I have a XXXX XXXX that this woman had put in my name she had put her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  multiple times XXXX  XXXX XXXX I have XXXX headache the last straw and I kicked her out XXXX  when she XXXX  me with my on XXXX XXXX XXXX XXXX XXXX  she no longer live with me I have a restraining order on her she cant be a XXXX feet around me she sleeping in her car she homeless now I dont know where in XXXX XXXX  XXXX at but she have been in my house since last month and I would really like to get this XXXX XXXX that XXXX put in my name resolve XXXX  been going XXXX a whole lot I recently lost my grandmother this month and XXXX overwhelmed of life is there any possible way you can please have mercy on me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: PNC Bank N.A.
State: IL

Complaint narrative:
COMPANY DEMANDING PAYMENT AND SETTLEMENT BY TEXT WITHOUT SENDING VALIDATION NOTICE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NJ

Complaint narrative:
Filed dispute with Netspend XX/XX/year> after I noticed fraudulent transactions was told 10 business days then 20 to complete investigation.

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 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I kindly ask for the removal of this inaccurate personal data from my credit report, as it is no longer current. It is essential that you quickly delete this inaccurate personal information from my files.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
What Happened? 
On XX/XX/XXXX, I received a notice from the company stating they had closed my business credit card account ending in XXXX. The letter claimed the decision was made because the company was " unable to verify business is active ''. 

This justification is factually incorrect and contradicted by official government records and the banks own data : Active Business Registration : The business is registered as XXXX XXXX XXXX XXXX with the XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ( XXXX : XXXX ). Its status is officially listed as " XXXX ''. 

Active Professional Licensing : The business operates as XXXX XXXX XXXX ( formerly known as XXXX XXXX XXXX ) and holds an " Active '' permit ( # XXXX ) with the XXXX XXXX XXXX XXXX XXXXXXXX. This permit is valid through XX/XX/XXXX. 

Federal Provider Registry : The business is also active in the XXXX XXXX XXXX ( XXXX : XXXX ) with an active status verified as recently as XX/XX/XXXX. 

Recent Account Activity : The credit card statement for the period ending XX/XX/XXXX, shows the account was highly active with {$18000.00} in new purchases. These transactions were for legitimate business expenses, including high-value payments to medical wholesalers such as XXXX ( {$11000.00} ) and XXXX XXXX XXXX {$2800.00} ). 

Despite being a licensed pharmacy in good standing with both the state and federal government, the company closed the account based on a failure to verify information that is easily accessible in public databases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX chime closed my account with no explanation. My SSI payment had just been deposited for XXXX and my money was not available to me. However, the said they would send me a check in 30 days. However, on XX/XX/XXXX Chime is now saying my account doesnt qualify for a refund and therefore keeping my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the fraudulent XXXX account number XXXX, which is incorrectly reported on my credit report with a balance of {$3500.00}. 

Per 15 U.S.C. 1681i, I am entitled to dispute any inaccurate or unverifiable information on my credit report. The account shows a past due balance that can not be correct for a collection account. Furthermore, it shows a closure date of XX/XX/year>, and yet still reports late payments, violating consumer laws. 

This fraudulent account is having a serious impact on my credit score, and if not corrected promptly, I will have my attorney and litigation team reach out to Experian to address these inaccuracies. Additionally, I have filed a report with the FTC regarding this matter. 

I request an immediate investigation of this account and await your confirmation of receipt of this dispute. 

Thank you for your immediate attention to this serious issue.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX {$2400.00} I purchased a sectional couch from XXXX XXXX using my Discover credit card for approximately {$2500.00}. Within less than XXXX year, the couch began to fail structurally. The metal brackets designed to connect the couch sections were defective and stripped, making the couch unstable and unusable. There was no reasonable way to repair the brackets due to the stripping. 

I contacted the retailer, XXXX XXXX, multiple times by phone and email to request assistance or a resolution. Despite repeated attempts, XXXX XXXX did not return my calls or respond to my emails. XXXX XXXX was initially supposed to follow up, but no response was ever provided. 

After receiving no response from the merchant, I filed a dispute with Discover, providing photographs of the defective brackets and copies of my emails showing attempts to resolve the issue directly with the retailer. The merchant never provided any response or evidence during the dispute process. 

Despite the lack of merchant response and the documentation I submitted, Discover ruled in favor of the furniture store, stating that my evidence was insufficient. As a result, I remain responsible for the charge for furniture that is defective, unusable, and unsupported by the merchant. 

I believe Discover failed to properly consider the merchants non-response and did not fairly evaluate the evidence I provided. I am requesting a review of XXXX  dispute handling and a fair resolution of this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX Hyundai Motor Finance XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Co-Borrower : XXXX XXXX ( XXXXXXXX XXXX XXXX income ) Vehicle : 2022 XXXX XXXX Dealer : XXXX XXXX, XXXX, XXXX  Lender : Hyundai Motor Finance Nature of This Matter This submission concerns a pattern of payment misapplication, interest reposting, phantom delinquency, and wrongful repossession carried out by Hyundai Motor Finance in connection with the above account. 
The enclosed documents establish that XXXX demanded and collected sums not authorized by the Retail Installment Contract, manufactured default through its internal accounting system, and used that manufactured default to repossess the vehicle and damage the borrowers credit, stability, and safety. 
This is not a billing dispute. 
It is a systemic servicing and enforcement failure implicating federal and state law. 
Core Violations Documented The enclosed exhibits show violations of : Truth in Lending Act ( 12 CFR 1026.36 ) improper finance charge and payment application CFPB UDAAP deceptive and abusive collection and reinstatement practices Equal Credit Opportunity Act disability-based financial exploitation Fair Credit Reporting Act furnishing false delinquency data Connecticut UCC 9-609 wrongful repossession Connecticut CUTPA unfair and deceptive trade practices ( treble damages ) Evidence Enclosed Retail Installment Contract ( authorized payment = {$490.00} ) Hyundai Payment Ledger Screens ( showing interest reposting after payment ) Forensic Timeline ( Exhibit A ) Human Impact Statement CFPB Complaint No. XXXX Together, these establish that the account was not in lawful default at the time XXXX demanded {$990.00} or repossessed the vehicle. 
Formal Demand The undersigned requests that Hyundai Motor Finance be required to : Produce a full forensic accounting of the loan Correct all credit bureau reporting Identify all unauthorized finance charges Disclose all internal servicing and default algorithms used on this account Provide restitution for wrongful repossession and related harm Regulatory Priority This matter presents a high-risk consumer-protection issue involving : Disability income Coercive collection Asset seizure Credit destruction The documentation indicates that the same accounting method could affect thousands of borrowers nationwide. 
Submitted by : XXXX XXXX XXXX XXXXXXXX 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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing an unauthorized ATM withdrawal under Regulation E.

Bank of America denied my claim solely on the basis that my debit card was physically present and my PIN was used, and therefore concluded I must have performed the withdrawal. This conclusion is unsupported and inconsistent with Regulation E requirements.

I was in possession of my debit card at all times and did not authorize the withdrawal. I did not disclose my PIN to anyone. The transaction is consistent with ATM skimming or card cloning, which allows unauthorized withdrawals even when the card remains in the customers possession.

Bank of America has not provided evidence that I authorized the transaction, nor evidence of gross negligence on my part. The denial appears to rely solely on PIN usage rather than a reasonable investigation.

I am requesting that Bank of America conduct a proper Regulation E investigation, provide the evidence relied upon in denying my claim, and issue a refund for the unauthorized withdrawal

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 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This is a follow-up complaint after a prior CFPB case was closed without addressing my request for discretionary goodwill relief. 

The promotional financing on my Zales credit card account ended on XX/XX/year>. I contacted customer service immediately after learning the promotion had expired and asked to pay the remaining principal balance to avoid deferred interest. 

I had paperless statements and autopay enabled throughout the promotional period, which resulted in me missing a reminder of the promotional end date. Once I became aware of the expiration, I took immediate action. 

I paid the full principal balance of {$2700.00} promptly. Despite this, {$2500.00} in deferred interest was applied, leaving my remaining account balance comprised entirely of interest. 

I am not disputing the promotional terms. I am requesting a one-time goodwill reversal of the deferred interest based on my on-time payment history and immediate payoff of the principal once I learned the promotion had ended. 

Given my current financial constraints, I genuinely can not afford the additional deferred interest that was applied, which is why I am requesting goodwill consideration based on my prompt payment of the principal and on-time payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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:
On XX/XX/year>, I went online to buy a tablet for my toddler, I saw one online at a website called XXXX XXXX XXXX for {$34.00}. I ordered and paid for the tablet only to be charged XXXX additional times on the same day. At XXXX {$34.00}, XXXX {$340.00}, XXXX {$57.00}, XXXX {$53.00}, XXXX {$73.00}. I requested a dispute when I realized the transactions but was advised to call back since they were still pending. I reached out again after it was cleared but was denied 2x. Their reason for denial was that there was no error in these transactions. It took them less than a day to deny both claims even after they told me to send in all relevant documents and i did. They promised to investigate but did not because they said there was no billing error. I tried calling the merchant but their number is not a working number, and theyve not responded to my emails. Chime failed to properly investigate an unauthorized transaction under Regulation E and incorrectly categorized fraud as a billing dispute. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Vehicle : XXXX XXXX XXXX XXXX Date of Purchase : XX/XX/XXXX Owner : XXXX XXXX XXXX : Tennessee This letter serves as formal notice of nonconformity and a certified demand for relief pursuant to the Tennessee Consumer Protection Act, applicable warranty laws, and Tennessee lemon law standards. 
Repair History ( Corrected ) XX/XX/XXXXXXXX  Vehicle purchased; defects reported the same day XXXX XXXX XXXX  Initial repair attempt ; defects persisted XX/XX/XXXXXXXX  Vehicle returned ; diagnosed with multiple misfires and internal engine damage XX/XX/XXXXXXXX  Vehicle returned ; defects immediately reoccurred Early XX/XX/XXXXXXXX  Vehicle stalled while driving ; steering-related failure nearly caused collision ; vehicle towed XX/XX/XXXXXXXX  Vehicle returned again ; defects reoccurred the same day XX/XX/XXXXXXXX  Service management stated the vehicle would be retrieved ; no pickup occurred XX/XX/XXXXXXXX  Owner paid for towing due to continued nonconformity and safety concerns Since XX/XX/XXXXXXXX  Vehicle has remained out of service XX/XX/XXXXXXXX  Customer paid to have vehicle towed from XXXX dealership to customers home Total damages exceed {$5000.00}, exclusive of ongoing loan and insurance payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PNC Bank N.A.
State: MN

Complaint narrative:
This was with PNC in XXXX, MI. A friend owed me over {$100000.00} and had his PNC bank open a debit card account for me. I sent {$550.00} to have the card delivered to me and another {$1800.00} to activate the card. Then the card still couldn't be used. the Bank wants more money to activate a new card. This is when I thought I was being taken and my friend who asked his bankers to issue this can't help out either. This PNC bank is not very professional and certainly no " honesty '' shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
RADIUSGLOBAL- is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUSGLOBAL- is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo Auto lost the original vehicle title for my vehicle and has failed to resolve the issue despite escalation attempts. The title is required for lawful registration and obtaining Ohio license plates. XXXX shows only a label was created on XX/XX/year> but never given to them. So it is still in Wells Fargo 's possession. Wells Fargo acknowledged delays but refuses to connect me with a supervisor or provide meaningful resolution. XXXX messages are not returned and misinformation is relayed back to me that is factually incorrect. 

I have contacted XXXX XXXX title department and escalation channels multiple times over an extended period. They do not respond and will not confirm where the title is or provide a replacement title or indemnification letter. As a result, I am unable to register and get license plates for my vehicle, and I am incurring ongoing harm due to XXXX XXXX negligence. 

Wells Fargo, as XXXX holder and custodian of the title, has a legal obligation to safeguard the document and to promptly obtain or issue a replacement if lost. Their failure to do so constitutes negligent servicing and interference with my property rights. 

I am requesting that Wells Fargo immediately : Send a replacement title, a notorized Title affidavit or indemnification letter acceptable to Ohio XXXX to XXXX Ohio location as stated on my release document. 

I also request written confirmation of the corrective action and a designated supervisor contact.

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