vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I deposited {$2000.00} in {$100.00} denominations into a Navy Federal ATM in XXXX XXXX using a XXXX debit card. However due to an ATM machine error, the machine could not process my transaction and attempted to return my money. However, it only returned to me {$800.00} dollars. I immediately called both XXXX and XXXX XXXX and both institutions told me to call the other regarding the issue, and eventually, I filed a dispute with XXXX. However, after a few days, XXXX let me know that my dispute was declined due to them not seeing the transaction online. Discouraged, I went to the Navy Federal Branch in person, and after a couple conversations the branch XXXX let me know that I had to ask XXXX to send over a charge back request to Navy Federal start the compensation process. However, XXXX can not send a charge back request since there is no digital record of the transaction on XX/XX/XXXX, and thus can not claim any dispute rights with Navy Federal. This is after escalating it up to XXXX 's XXXX office and their stance was final. The branch XXXX at this location can not assist me any further at this time since she exhausted all her options, and I need to this issue escalated up to the Navy Federal XXXX office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank has engaged in a repeated pattern of improperly holding or rejecting legitimate checks issued by my father, XXXX XXXX XXXX, now age XXXX, and payable to me, XXXX XXXX, a Truist account holder. 

In XX/XX/XXXX, I presented a valid check from my father in person at a Truist Bank branch in XXXX, Georgia. Despite my being an account holder, Truist refused to process the check unless I physically brought my fatherthen XXXX XXXX XXXX and disabledinto the branch to verify his signature. This forced me to transport my XXXX, XXXX father over an hour to a different city. I reported this incident to Truist as discriminatory. No investigation or written response was ever provided. 

On XX/XX/XXXX, I deposited another check from my father in the amount of {$5800.00}. Truist placed a hold on the check citing signature irregularities. Truist was already on notice from the prior incident that the check drawer is a XXXX individual whose handwriting may be affected by age-related medical conditions. 

Despite this notice, Truist again imposed a hold without meaningful explanation, accommodation, or due diligence. The implication of signature irregularities suggests fraud and has shown a pattern of discriminatory and retaliatory conduct following my prior complaint. 

I believe Truists actions are unfair, discriminatory, and retaliatory, and have caused financial harm, emotional distress, and reputational damage.

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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
On XX/XX/year> a charge was made on my credit card in the amount of {$180.00}, for services that I did not fully receive. The last time I tried to dispute a charge with Comenity on my account, I called in and they told me that I had to mail them a letter about the dispute, and they had no way to do this online. Now, I needed to file this billing dispute, so I submitted them a letter, as they stated was their procedure, about XXXX months ago. I know they received this letter because my billing statement showed a " balance '' of {$180.00} that was still due, but there was a notification on the statement that very clearly said " do not pay ''. So I continued to wait, but never got a real response from Comenity, so I called them today to get a status on my billing dispute. The woman I talked to told me they had no record of the dispute and that it was now too late to open a dispute because of the time limit. I asked to speak to a supervisor and was put on hold, but I just got disconnected. I did EVERYTHING I was told I needed to do, I even was told NOT to make the payment for {$180.00} on my billing statement, which I have attached to this complaint, but now they're saying they never got a letter and there is nothing they can do. They're allowing credit card fraud on my account and are refusing to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is a follow-up complaint regarding [ XXXXXXXX XXXX Equifax XXXX XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX  ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: Westlake Services, LLC
State: CO

Complaint narrative:
I am filing this complaint due to repeated and ongoing title processing errors by XXXX XXXX that have resulted in my inability to legally operate my vehicle. 

My vehicle was purchased in XXXX  on XX/XX/XXXX. I am a XXXX  resident, and I provided the correct address and all required information from the beginning. I have made all loan payments on time and have acted in good faith throughout this process. 

According to the XXXX  XXXX, XXXX XXXX first sent my vehicle title incorrectly in XX/XX/XXXX to the XXXX XXXX. After that rejection, the title was re-sent and received on XX/XX/XXXX, but was again officially rejected on XX/XX/XXXX, due to missing information and failure to comply with XXXX  state title requirements. 

More than XXXX  days have now passed without proper title resolution. I have fully exhausted the XXXX temporary non-resident operating permit issued by the Arizona XXXX XXXX XXXX well as an additional XXXX short-term permit issued by XXXX. My last temporary permit expired on XX/XX/XXXX, and the XXXX  XXXX has confirmed that no further temporary permits can be issued. 

As of XX/XX/XXXX, I have no legal ability to operate my vehicle, solely due to XXXX XXXX repeated administrative errors. 

Despite being unable to use my vehicle, I continue to pay my monthly loan payment of {$750.00}, as well as insurance. I have also incurred out-of-pocket expenses for temporary permits and administrative costs in XXXX  ( approximately {$200.00} ), in addition to expenses related to power of attorney granted to relatives, mailing and shipping costs, and extensive coordination with the XXXX  XXXX, all in an effort to mitigate damages caused by XXXX XXXX failure. 

Additionally, XXXX XXXX has failed to provide reasonable customer service access. All attempts to resolve this matter by phone have been unsuccessful. I am only able to submit email tickets, which remain unanswered or result in generic responses without resolution, creating an ineffective and inaccessible customer service process. 

Requested resolution : Immediate correction and priority handling of my vehicle title by a Title Department Supervisor A credit of XXXX full monthly payment ( {$750.00} ) to my loan principal or equivalent monetary compensation due to loss of use Credit or reimbursement for permit and administrative expenses Written confirmation that the title will be re-submitted correctly and in full compliance with XXXX  requirements This situation reflects lender negligence, loss of vehicle use, XXXX XXXX, and failure to provide reasonable customer support, all of which were not caused by any action or omission on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I am requesting assistance regarding my mortgage serviced by Mr. Cooper ( Nationstar Mortgage LLC ) for my property at, with the loan currently owned by Fannie Mae. On XX/XX/year>, I submitted a Qualified Written Request ( XXXX  ) under RESPA seeking a complete loan history, ownership clarification, and servicing records. While Mr. Cooper has provided escrow breakdowns, they have not adequately addressed unresolved issues related to the loans transfer history, including transfers from XXXX XXXX  to XXXX XXXX XXXX and subsequently to XXXX XXXX. I have not received clear documentation explaining how the loan was transferred, who held the note at each stage, or confirmation that the transfers were properly completed. Without this information, I am unable to fully verify the accuracy of my loan servicing. I am requesting CFPB assistance to obtain complete documentation regarding the loan transfers and a clear, consolidated accounting of my mortgage. What Mr. Cooper Did Not Address Complete loan transfer chain documentation They did not provide copies of assignment documents or endorsements showing the full transfer path from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

They merely state that XXXX XXXX  is the current owner, without showing how or when the note was transferred or who held it at each stage. 

mortgage Proof of note ownership and endorsements They reference the Note and Mortgage generally but do not include copies of the endorsed note showing a clear chain of title. 

There is no confirmation of whether the note was endorsed in blank or specifically assigned during each transfer. 

mortgage Servicing transfer records between prior servicers While they list prior servicer transfer notice and welcome letter as documents reviewed, they do not include those documents or explain discrepancies related to servicing during the transfers. 

mortgage XXXX of payment history across servicer changes They provide a transaction history, but they do not reconcile payments made before and after each servicer transfer to confirm nothing was misapplied during transitions. 

mortgage Clarification of servicing authority during transfers They do not clearly explain which entity had legal authority to service and collect payments at each transfer point, particularly during the move from XXXX XXXX to Mr. Cooper. 

mortgage What Was Addressed ( for balance ) Escrow analysis and escrow disbursements were provided Current loan owner ( XXXX XXXX ) was identified Current servicer responsibilities were outlined This distinction is important because it shows your complaint is not about escrow, but about loan ownership clarity, transfer integrity, and servicing accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
In XX/XX/year>, I accepted a XXXX Chase XXXX for {$12000.00} through Chases online interface. The product was presented using installment-loan style language and formatting, including a stated loan amount, a set number of billing cycles ( XXXX ), a fixed XXXX, and a fixed monthly payment of {$390.00}. No total payoff amount or estimated total interest was disclosed at the time of enrollment, nor was it clearly stated that interest would be added separately on top of the stated monthly payment. 

The enrollment terms stated that the full amount of your XXXX Chase XXXX balance, which includes applicable interest, will be divided equally over the applicable number of billing cycles and added to your minimum payment due each month. This language reasonably suggests a traditional amortized installment loan in which interest is included in the fixed monthly payment and the total cost is determinable upfront. 

This understanding was reinforced by my XX/XX/year> billing statement, which showed XXXX Chase XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} and XXXX XXXX : {$0.00}, with only the {$390.00} fixed payment due. This confirmed the reasonable belief that interest was already included in the stated monthly payment. 

However, on the XX/XX/year> statement, Chase listed XXXX Chase XXXX 11.99 % with a balance of {$11000.00} ( after my XXXX  payment ) and added a separate interest charge of {$110.00}. This was the XXXX indication that interest was being added on top of the fixed payment and that the total cost of the loan would materially exceed what was reasonably implied at enrollment. 

I later learned that interest accrues daily and posts monthly as a separate charge, meaning the total amount paid over XXXX  months may be XXXX  of dollars higher than the amount implied by the fixed monthly payment and term. This outcome is not clearly disclosed during enrollment and is not consistent with how comparable installment-style products are typically presented. 

This issue is not isolated. Numerous consumer discussions on independent online forums describe similar confusion and surprise regarding XXXX Chase XXXX interest treatment, indicating a broader pattern of misunderstanding caused by the products presentation. The combination of installment-loan framing, fixed payment language, and delayed appearance of interest charges creates a misleading impression that conflicts with reasonable consumer expectations and undermines clear, transparent disclosure standards intended to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX, CO XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Alleged Account Request for Debt Validation and Cease & Desist To Whom It May Concern, This letter is being sent in response to your alleged collection account that you are reporting and/or attempting to collect.

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this alleged debt. This request is not an acknowledgment of liability, nor is it an admission that any debt is owed.

Please provide the following : 1. The original signed contract or agreement bearing my signature.

2. Complete payment history and account statements.

3. Proof that Jefferson Capital Systems , LLC legally owns this alleged debt, including the full chain of assignment from the original creditor.

4. Proof of your authorization to collect and report this account to consumer reporting agencies.

5. The name and address of the original creditor and the date of the alleged default.

Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to CEASE AND DESIST all communication with me regarding this matter, except to provide the requested validation or to notify me of specific legal action being taken.

During the validation period, you must cease all collection activities and must not report, update, or verify this account with any consumer reporting agency. Any continued reporting without proper validation will be documented as a violation of federal law. 
Please respond in writing only. 
Sincerely, XXXX XXXX XXXX de XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XX/XX/XXXX XX/XX/XXXXXXXX NCB MANAGEMENT SERVICES XXXX XXXX XXXX XXXX, PA Fraudulent Account Debt Validation Request BALANCE XXXX To Whom It May Concern, I am writing to formally dispute and challenge the above-referenced account. This account is the result of identity theft and a documented data breach in which my personal identifying information was compromised. 

This alleged account is fraudulent, not a lien, and not a legally enforceable obligation. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), and the Identity Theft and Assumption Deterrence Act, I am demanding full validation of this alleged debt. 

Please provide the following : Documented proof that this account was opened by me, including a signed contract or application to NCB Management. 
The original creditors name, address, and account number XXXX complete itemization of the alleged balance. 
Proof of your legal authority to collect and license to operate in my state The full chain of custody or assignment of this account Proof that this account is not the result of fraud or identity theft Any documentation claiming this account is a lien or legally secured interest. 

I have never authorized, opened, benefited from, or assumed responsibility for this account. Any claim that this account represents a lien or valid debt is false and unsupported. 

Until proper validation is provided, you are required by law to : Cease all collection activity Cease reporting or verifying this account with any credit reporting agency Remove all negative credit reporting related to this fraudulent account If you are unable to provide the documentation requested, you must immediately close the account, mark it as fraudulent, and permanently delete all credit reporting. 

Any continued attempt to collect, report, or validate this account without proper proof will be considered a knowing violation of federal law and may result in complaints filed with the CFPB, FTC, State Attorney General, and pursuit of legal remedies. 


This letter does not constitute acknowledgment of debt, liability, or obligation. 

Please respond in writing only within 30 days. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I canceled my XXXX XXXXXXXX membership on XX/XX/year> and received written confirmation stating that no further billing would occur. This cancellation revoked any authorization for future charges. 

Despite this revocation, XXXX XXXXXXXX continued to debit my checking account after the cancellation date. These transactions were not authorized. 

The disputed transactions consist of 26 monthly charges of {$35.00} each, totaling {$910.00}, all posted after XX/XX/year>. 

I disputed the charges with Bank of America as unauthorized post-cancellation transactions. The bank denied the disputes pursuant to its internal 90-day dispute timing policy, without requesting or reviewing my written proof that authorization had been revoked. 

The bank stated that my prior business relationship with the merchant and failure to dispute within 90 days rendered me customer liable, effectively treating revoked authorization as continuing authorization. 

I was instructed by the bank to submit a written statement and supporting documentation by fax in order to reopen the disputed claims ; however, the claims were denied pursuant to the banks 90-day policy without any evidentiary review.

The banks rejection notice further directed me to call a phone number to obtain documentation explaining the basis for the denial. When I called, I was informed that no such documentation existed because the disputes had been denied solely on timing grounds.

The bank also failed to contact or obtain information from the merchant regarding the continued billing after cancellation, despite my dispute and the availability of written cancellation confirmation. 

I separately contacted XXXX  XXXX directly regarding the continued billing after cancellation, and the charges were not corrected. 

I requested escalation and review of my cancellation documentation. The bank declined to review the evidence and terminated a call when escalation was requested. 

The banks actions are inconsistent with its obligation under its own dispute-handling and investigation policies to conduct a reasonable investigation, including review of available evidence and inquiry to the merchant, to determine whether valid authorization existed for disputed transactions. 

I am requesting regulatory review of the banks failure to investigate unauthorized transactions following revocation of authorization and correction of the denied disputes, including reimbursement of all charges assessed after XX/XX/year>.

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