vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX XX/XX/year> my spouse ( XXXX XXXX was contact by an individual claiming to be the bank and very convincingly informing her that there was fraud detected on our joint checking account with USAA, coming from a XXXXXXXX XXXX located near where she works. This individual then coerced my wife into providing her login information, and then travel to the nearby XXXXXXXX XXXX location and attempt to catch the bank teller stealing funds. Meanwhile, having tricked her into providing her login information, the person on the phone was transferring all available funds from linked accounts into one checking account, and then tricking XXXX into authorizing a transfer to an outside account in a total amount of {$19000.00}. {$14000.00} was removed that day. An additional {$5000.00} was removed the next day due to the bank rejecting a funds transfer to the checking account from the day before. On XXXX XX/XX/year> XXXX immediately called the bank and began a dispute of the transaction. On XXXX XX/XX/year> she was informed that her claim had been denied. I wish to elevate this to a higher echelon of review. Based upon what I have researched, daily transfer limits cap out at XXXX per day. This transfer should have never even gone through without USAA contacting one of us.

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 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
I have been a Nordstrom Card member for almost a decade. I made a large purchase in XX/XX/year> and then returned that purchase. The amount that was returned, shouldve been the balance of the entire purchase, thus resulting in a balance of XXXX dollars. It was not. Since then I was not aware that there were still a balance on the account. I have not shopped with the store nor logged into my account nor received any paper bills. I logged in on Saturday and had over {$200.00} in late fees. I reached out to XXXX and asked them for some help and resolving this. I asked to pay the small balance that was incurred and for them to waive the late fees because of the misunderstanding. They said that they were not able to help in this instance because there was no proof that it was there or error. Even though the balance was small, they charge the flat fee of {$40.00} per month. I asked for a Goodwill reduction in the late fees because of my Good with status as a XXXX shopper at an influencer level. No help with provided beyond waiving the fee that was incurred the day that I called.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Unauthorized hold on a Barclays JetBlue credit card.

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 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am currently under review for a loan modification and have been communicating in good faith with my mortgage servicer regarding my hardship. My monthly income is approximately {$2100.00} from disability benefits and IRA withdrawals. Approximately {$1200.00} of that income goes toward HOA fees and homeowners insurance, leaving limited funds for basic living expenses. The servicer ( Wells Fargo ) is requesting an additional payment of {$130.00}, which I explained I can not currently afford without sacrificing necessities. I requested an extension, hardship accommodation, or alternative arrangement, but was told no options are available. I am seeking assistance because I am trying to avoid foreclosure and continue the loan modification process in good faith.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
Between XXXX and XX/XX/year>, three transactions totaling {$760.00} were processed through XXXX against my SoFi checking account for a purchase that was never fulfilled. I received no product, no shipping confirmation, and no order confirmation from the merchant. On XX/XX/year>, I filed a dispute with SoFi regarding one of the transactions ( {$210.00} ). On XX/XX/year>, SoFi notified me their investigation was complete and provided documentation via a secure portal. On XX/XX/year>, SoFi issued a final determination stating no error occurred and no funds would be credited, closing the matter. I was not given any opportunity to submit supporting documentation or explain the nature of the dispute before SoFi reached their final determination. The denial was issued based solely on information SoFi received from XXXX. On XX/XX/year>, I contacted XXXX directly and obtained confirmation that the information they provided to SoFi was inaccurate. XXXX confirmed that no funds were ever transmitted to my SoFi account, that the merchant had not refunded XXXX, and that the refunded status shown in XXXX 's app did not reflect an actual bank transmission. This directly contradicts the basis on which SoFi denied my dispute. I have since filed a formal appeal with SoFi on XX/XX/year>, providing this new information and supporting documentation. I am requesting the CFPB investigate SoFi for closing my dispute without allowing me to present documentation, issuing a denial based on inaccurate third-party information, and failing to properly investigate whether incoming refund credits were received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I disputed a collection account being reported on my Equifax credit report related to XXXX XXXX XXXX. During the dispute process, I requested verification of the reported balance, clarification regarding conflicting account information, and documentation supporting the accuracy of the account. The documentation provided contained conflicting balance information. One document reflected a balance of approximately {$150.00}, while the accounting ledger reflected Amount Owed : {$0.00} after credits, reversals, and adjustments. Despite these inconsistencies, the account continued to be reported as an unpaid collection account. I submitted a follow-up dispute requesting clarification and a complete itemized accounting explaining the conflicting balances and adjustments, but I did not receive a meaningful response resolving the discrepancies. I believe the information being reported may be inaccurate and has not been properly verified or explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : Dispute of Alleged Debt Sunrise Credit Service , Inc Reference : XXXX To Whom It May Concern, This letter is in response to your communication regarding the correspondence sent on XX/XX/year>. I dispute this alleged debt in its entirety and hereby request full validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. A copy of the original contract or purchase agreement that created the alleged debt. Any contract provided must include the signatures of all parties. The agreement must be with the original creditor and include the original terms and conditions that created the alleged debt, including all addendums and riders. 2. Proof of the complete chain of ownership of the alleged debt, including documentation of each assignment for every change of ownership. This chain of ownership must be documented from the original creditor to the current alleged owner without any gaps. 3. A full accounting history from the original creditor, including the date and amount of each payment, as well as the Date of First Delinquency that led to the collection status. 4. If any interest or fees have been added to the balance, please provide proof that such charges are lawful and were expressly agreed upon in the original purchase agreement. 5. Proof that you are legally authorized to collect alleged debts in the State of New York, including a copy of your Third-Party Debt Collection Bond. 6. Proof that you sent all legally required notices to me prior to reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any mailing or tracking records maintained by your firm. FTC v. Midwest Recovery Systems clearly establishes that debt parking without proper notice is a violation of consumers rights. Under the Fair Debt Collection Practices Act ( FDCPA ), you must cease all collection activities until proper validation of this alleged debt is provided. Sincerely, XXXX XXXX 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 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: TX

Complaint narrative:
I am filing a formal complaint against Auto Now for unethical collections practices and a failure to provide reasonable, good-faith loss mitigation or hardship options during an extreme, unforeseen crisis. In XX/XX/year>, the company offered and processed a payment deferral on my account. Recently, I experienced a severe personal tragedy : I was XXXX XXXX. Due to the profound impact of this trauma on my mental health, I have been temporarily unable to return to work. As soon as I realized my income would be temporarily disrupted, I proactively contacted [ Insert Lender Name ] to explain my situation, request temporary hardship assistance, and work out a feasible payment arrangement. Instead of evaluating my situation in good faith, the company flatly refused to assist, stating that because they deferred a payment in XXXX, they can not offer another deferral until six months have passed. While I understand they may have internal guidelines, this rigid policy fails to account for severe, uncontrollable emergencies. Furthermore, despite my proactive communication and willingness to work out a solution, the company 's collections department is treating my account with extreme aggressionacting as if I am three months severely delinquent and refusing to pause collections activity while I navigate this crisis. Being subjected to aggressive collections and a total lack of empathy while recovering from physical and emotional trauma is unethical and unacceptable. I am trying to prevent a delinquency, but the lender is completely blocking me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Has been repeatedly ( 4 times now ) removed my debit card from my checking account while account is active. It has also happened to other family members of mine. It is causing an immense amount of XXXX as well as fees and lost clients when in the middle of a sale my card gets declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, I sent approximately {$300.00} through a third-party transfer service for concert tickets that were represented to me as legitimate. Before payment, the seller provided convincing proof and information that made the transaction appear authentic. After I sent payment, the seller requested additional money and then stopped responding and blocked communication without delivering any tickets. I never received the tickets or any refund. I contacted my bank, XXXX XXXX, to report the transaction as a fraud/deception-based scam and requested review of the claim. I was informed the transaction was categorized as a third-party transfer and the claim was denied. I am requesting additional review because the payment was authorized based on deceptive misrepresentation. I also contacted Chime regarding the transfer and documented the incident. I have screenshots and a full screen recording of the interaction showing the ticket offer, payment discussion, request for additional funds after payment, and lack of ticket delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC
State: IL

Complaint narrative:
I was sent an email telling me I was eligible for a relief program. When I asked the company about it, they said the email was not a guarantee of eligibility, despite the email saying I AM eligible and nothing about no guarantees of eligibility. Then they denied me for the program. XXXX, youre eligible to enroll in our Extended Relief Program AI Overview XXXX XXXX notified you are eligible for Extended Relief Program to lower rate to 5.90 %. Program reduces interest rate and minimum monthly payment until loan paid off. By XXXX ; there may be mistakes. Learn more XXXX XXXX XXX XXXX XXXX ( 1 hour ago ) to me XXXX Log in PERSONAL LOAN Account Number : XXXX XXXX XXXX get a lower interest rate and monthly payment for the rest of your loan term. Enroll now If youre facing financial challenges, our Extended Relief Program could help you get through the rough patch while helping you stay up to date with payments. Heres how it works : Well lower your interest rate to 5.90 % until your loan is paid in full. Well also reduce your minimum monthly payment until your loan is repaid. All other terms and conditions outlined in your Loan Agreement remain in effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified debt.This information being reported to Experian XXXX XXXX and is negatively impacting my ability to secure housing, resulting in application denials.I have already disputed this debt and provided supporting documentation, including written communication between myself and the former landlord, which demonstrates that the debt is inaccurate and/or not owed. Despite providing this evidence, the company has failed to conduct a reasonable investigation and continues to report the account. This failure to properly investigate disputed information may be a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MO

Complaint narrative:
XXXX XXXX account ending XXXX Isn't not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
There is a XXXX $ and XXXX $ charge on my Apple Card. The free trial did not end yet and they charge me. They are unable to refund me they said I have to reach out to the creator

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a {$15000.00} charge was placed on a Chase credit card account for a coaching and mentorship program purchased through XXXX from XXXX XXXX. The coaching program was represented as a high-level mentorship experience involving meaningful support, strategy, guidance, and hands-on involvement for an ecommerce business. After payment was made, the actual level of service delivered was materially different from what was represented during the sales process. The majority of the communication and support provided consisted primarily of short text messages and brief voice notes, without the level of structured mentorship, implementation assistance, active involvement, or hands-on coaching that justified a {$15000.00} mentorship investment. After concerns arose regarding the level of service being provided, a billing dispute was filed with Chase on the basis that the services delivered materially differed from the coaching and mentorship services represented prior to purchase. Supporting screenshots and documentation were provided during the dispute process to demonstrate the limited nature of the communication and coaching that was actually delivered. Chase later denied the dispute and stated that no further escalation or additional information would change the outcome of the case. The concern is that Chase did not reasonably evaluate the difference between minimal communication and the actual scope and quality of coaching services that were represented at the time of sale. While the merchant may have shown evidence of some communication after payment, there are concerns that the dispute investigation did not properly evaluate whether the high-level mentorship and coaching services paid for were actually delivered as represented for a {$15000.00} program. A reconsideration and further review of the dispute investigation process is being requested regarding whether the services delivered materially matched the coaching and mentorship services that were sold at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: TN

Complaint narrative:
Cancelled my XXXX account. Paid the restocking fees returned all the equipment withing the 30 days. Was told I was good to go. Year later found that XXXX XXXX had continued to bill one of the closed lines and sent me to collections. I have attempted to work with XXXX XXXX repetitively who see the error and sent it to their investigative team to get it resolved with debt collections. Year later repeat. And again. And again. Despite trying to reach ANY department that can help I get sent to a call center to be repetitively hung up on, stonewalled, or made to take repetitive unnecessary steps. All the while not fixing the problems. I am now denying the debt to yet another collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Here is a corrected, shorter version for CFPB : Formal Complaint Inaccurate Credit Reporting / Failure to Validate Debt To Whom It May Concern, I am filing a complaint regarding inaccurate reporting and failure to validate the following accounts reported by National Credit Adjusters ( NCA ) : * NCA Account # XXXX ( Original Account # XXXX ) * NCA Account # XXXX ( Original Account # XXXX ) The original balance for each account was {$2000.00}, and I made substantial payments toward both accounts. However, the balances being reported do not reflect these payments and appear inaccurate. These accounts were handled by two collection agencies, and I experienced repeated collection attempts that felt harassing. I never received a proper validation notice or communication before these debts were reported to the credit bureaus. Instead, they were reported first, and months later another collection agency contacted me to collect on the same debt. I request a full investigation, including payment history, original creditor documentation from XXXX XXXX, verification of the reported balances, and proof that NCA has legal authority to collect and report these debts. If these accounts can not be properly validated, I request immediate correction or removal from all credit bureaus. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America closed my account following fraud. They are violating Regulation E by failing to investigate six separate ATM errors where the machine debited my account but failed to dispense cash. They are also withholding a {$150.00} incidentals hold from XXXX 's XXXX and double charges from XXXX despite the corporate offices releasing the funds. They threatened to remove my provisional credit on XX/XX/XXXX without addressing the total scope of the fraud. I am currently homeless and this bank is withholding my funds unlawfully

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