vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am lodging a formal regulatory complaint against Aidvantage for extreme administrative negligence, consumer misrepresentation, and failure to secure federal student loan refund funds totaling {$8500.00}. Aidvantage acknowledged in early XXXX that they had been mailing my refund checks to a prior XXXX, NY address. I updated my address to my current residence. Instead of safely delivering the funds, XX/XX/XXXX XXXX was intercepted and fraudulently deposited at a XXXX XXXX XXXX XXXX branch in XXXX on XX/XX/XXXX. The check bears NO signature endorsement, only a handwritten restriction reading " For XXXX Deposit Only. '' Aidvantage possessed these check images in XXXX showing a complete lack of legal endorsement, yet failed to alert me, failed to provide me copies, and failed to initiate a Treasury Forgery Claim. Instead, they forced me into an arbitrary XXXX month waiting period, claiming the Treasury " triedXX/XX/XXXXXXXX and I had to wait to request a replacement. When I called onXX/XX/XXXX, their staff falsely assured me the funds were cleared and " at the Federal Reserve '' for release. Further establishing their internal confusion, Aidvantage issued a formal notice to me dated XX/XX/XXXX, stating they were researching my account and would provide a response within XXXX business days. However, XXXX days later, on Tuesday, XX/XX/XXXX, I called to demand answers. I spoke to representative XXXX ( ID XX/XX/XXXXXXXX ) over XXXX back-to-back calls lasting XXXX XX/XX/XXXX ( XXXXXX/XX/XXXX) and XX/XX/XXXX ( XXXXXX/XX/XXXX). Representative XXXX completely contradicted the XX/XX/XXXX notice, stating a " fraud package '' was only just now being mailed out. When I demanded a supervisor, she placed me on an extended hold and falsely guaranteed a direct supervisory callback within XXXX business days. That deadline has been entirely ignored, and my escalation is being actively blocked. I am requesting that the CFPB compel Aidvantage to immediately escalate this to their Corporate Risk Compliance Office, bypass standard customer service, and coordinate directly with the XXXX XXXX XXXX XXXX XXXX to expedite my stolen replacement check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: CA

Complaint narrative:
I am formally disputing the repossession account currently being reported on my credit report. This vehicle was repossessed and later sold at auction ; however, XXXX insurance coverage was provided on the loan and should have been applied toward any remaining balance after the sale of the vehicle. Despite this, the account continues to be reported negatively and appears inaccurate and misleading. I am requesting a complete investigation into the reporting of this account, including verification of the auction sale amount, application of XXXX insurance proceeds, and the remaining balance being reported to the credit bureaus. If the balance was satisfied, reduced, or improperly calculated after XXXX insurance coverage, the account should not continue reporting inaccurate derogatory information. Please provide all documentation supporting the current reporting status, including payment history, deficiency calculations, and proof that XXXX insurance was properly processed. Under the Fair Credit Reporting Act, I request that any inaccurate, incomplete, or unverifiable information be corrected or removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
XX/XX/XXXX, plane ticket purchased- applied for Chase/XXXX XXXX XXXX for {$400.00} off the ticket price and potential earning of miles bonus. XX/XX/XXXX, no credit applied, called Customer Service. XX/XX/XXXX, " ticket '' opened using 'secure messaging ' in the credit card app. The situation was explained, and screenshots shared that I applied for the credit card because of the advertised bonus ( {$400.00} statement credit ). On XX/XX/XXXX and XX/XX/XXXX it appeared they're okay switching me to the program I actually applied to, but they're not crediting the {$400.00} per the terms. The thread has continued, until today, no resolution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Remove from credit profile immediately, its taking a huge affect on my credit profile

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 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
Company : M & T Bank Product XXXX Mortgage FHA Issue : Escrow account Improper handling of escrow surplus Narrative : I am a Chapter XXXX bankruptcy debtor ( Case No. XXXX, XXXX XXXX XXXX Florida XXXX. M & T Bank services my mortgage. My Annual Escrow Account Disclosure Statement, generated automatically by M & T Bank pursuant to XXXX, identifies an escrow surplus of {$2500.00}. On XX/XX/year> I contacted M & T Bank and spoke with XXXX representatives including an escalation representative ( XXXX XXXX, Employee ID XXXX ) who confirmed the surplus and stated she saw no current arrearage on my account. I requested a formal escalated escrow analysis confirming my current balance and any arrearage. Bank representatives confirmed it would be mailed directly to me within five to seven business days. On XX/XX/year> at approximately XXXX PM I contacted M & T Bank 's escrow department to follow up. The representative confirmed that M & T Bank 's attorney XXXX XXXX of XXXX and XXXX contacted the bank and directed them to send the escalated analysis to him instead of to me. I never authorized this redirection. I am the account holder. This document was requested by me and promised to me directly. This escalated analysis is the document the bankruptcy court identified as necessary for me to refile my motion regarding the escrow surplus. By redirecting my requested document through opposing counsel, M & T Bank has allowed its attorney to obstruct my access to my own account information and interfere with ongoing bankruptcy court proceedings. I am requesting that M & T Bank produce the escalated escrow analysis directly to me immediately.

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 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Problem is with Trans Union. They are reporting a late payment from XXXX years and XXXX months ago. The late payment is within the 6 month courtesy early exclusion period. I have already called TransUnion and filed an online request, but their system ignores the Early Exclusion policy and treats it as an accuracy dispute.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
Robinhood closed or restricted my Robinhood XXXX account after alleging concerns related to a transaction. Although I do not agree with the characterization of the transaction, I accepted Robinhoods decision to discontinue the XXXX account relationship. However, Robinhood also denied or restricted my ability to maintain a brokerage/investment account, even though the issue involved the XXXX account product and not the investment account itself. To my knowledge, my brokerage account did not engage in fraudulent activity, violate platform rules, or create compliance concerns. Robinhood has not clearly explained why an issue involving the XXXX account automatically disqualifies me from using a separate brokerage product. I believe Robinhood unfairly linked two separate financial products without providing a sufficient explanation or individualized review of the brokerage account. I am requesting : * A review of the restriction or denial related to my brokerage account. * A clear explanation of the basis for restricting brokerage services. * Reconsideration of my eligibility to use Robinhoods investment platform independently from the Spending account product.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
Dear Sirs or Madams : I am formerly known as XXXX XXXX. I have changed my name this year to XXXX XXXX. GoodLeap misrepresented loan terms and did not clearly disclose all fees or explain what those fees covered. Similar allegations have been raised in state enforcement actions, including a lawsuit brought by the Attorney General of Minnesota against solar-financing and solar-installation companies. Also, the Attorney General of Texas is investigating those same companies and is expected to file a lawsuit. The core allegations in those cases are that lenders and installers worked together to inflate system prices through undisclosed dealer fees. These dealer feesoften described as payments to the lender to buy down the advertised interest ratecan range from approximately 15 % to 33 % and may increase the true cost of credit without being separately disclosed. We believe GoodLeap used similar practices in our transaction and may have failed to disclose the full cost of financing as required under the Truth in Lending Act. Industry sources in XXXX continue to report average dealer fees of roughly 22 %, which supports our concern that the advertised loan terms did not reflect the loans actual cost. We were also told that the Federal Solar Tax Credit would significantly reduce the cost of this transaction, but that credit expired for new residential systems after XX/XX/XXXX. We understood that a 30 % tax credit would be available and would reduce our effective loan balance during the first year. GoodLeaps loan structure appeared to assume that borrowers would apply an estimated tax-credit amountapproximately {$8000.00} to {$12000.00} in our caseto reduce the financed balance and keep payments at the expected level. Because that credit was not available or could not be applied as represented, my loan balance is substantially higher than I understood it would be, and my monthly payments increased. For these reasons, I request to be released from this loan and provided an appropriate remedy based on the misrepresentations and disclosure failures described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was using Cash App and accidentally sent money to wrong person. I tried to request back but they keep declining. I opened a dispute with Cash App and the ruled I other person favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX of 2025 my husbands debit card information was stolen and used to make XXXX transactions at XXXX XXXX up and down the Florida XXXX from XXXX XXXX XXXX all the way down to XXXX XXXX totaling roughly {$5000.00} in transactions when we noticed the withdrawal, we directly called the fraud team and went into the bank to have the issue looked at the fraud team came back saying that roughly {$1400.00} of the transactions were found to be liable for that we roughly made those transactions we did not. They were all used for {$150.00} gift card purchases via a credit card reader that was use my husbands credit card information or debit card information to gain access we have since filed a complaint with the XXXX XXXX sheriffs department and the XXXX XXXX Police Department. The XXXX XXXX Police Department has contacted the fraud department at Fifth Third bank telling them that these were fraudulent charges in Fifth Third is still refusing to give us back the roughly {$1300.00} and remaining XXXX stating that they sent a text message to my husbands cell phone, and in that text message from my husband approved those transactions as being valid and not fraudulent. My husband was at work out in the middle of the water. You cant have access to his phone at that time and he wouldnt have responded. Yes to fraudulent charges. Fifth Third is still refusing to give us back the {$1300.00} and fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed online when trying to buy an XXXX and Cash App denied my dispute when I asked to file a chargeback they deactivated my account saying I violated the terms when I was the one scammed out of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally dispute the denial of my advertised sign-up bonus on my new Chase Sapphire Reserve credit card. I opened this card in XX/XX/year> and met the {$6000.00} spending requirement within the first 90 days. I never received my points or a denial letter. I called and spoke with someone and then messaged via the secure messaging center where I received an automated denial message from Chase Escalations ( Ref : XXXX, Specialty Research ) claiming that my account was opened " without a new account bonus offer '' and citing rules regarding the " number of cards opened and closed. '' None of Chase 's stated reasons apply to my situation. I have never held a Chase Sapphire Reserve card in my lifetime, nor have I ever received a welcome bonus for this product tier. Furthermore, I have not opened or closed other credit cards within the restricted window, making any " velocity '' or " churning '' flags factually incorrect. Most importantly, I explicitly deny Chase 's claim that I " agreed '' to open this account without a bonus. No pop-up window, disclaimer, or warning message appeared during my digital application process stating that a bonus would be withheld. I applied under the clear, prominent public advertisement of the Sapphire Reserve welcome bonus. Forcing an account opening under false pretenses and withholding advertised benefits constitutes deceptive marketing and a bait-and-switch under CFPA guidelines. Furthermore, I have completely fulfilled my end of the contract by spending over {$6000.00} on this card within the first 90 days of account opening. I have met all public eligibility criteria, yet Chase continues to withhold my contractually earned points based on an incorrect automated system flag.I request that Chase audit the digital application payload for my account, correct the automated system error, and issue a manual points adjustment to deposit the full sign-up bonus into my Ultimate Rewards account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: PA

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information are still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XX/XX/XXXX, I purchased countertops from XX/XX/XXXX using a promotional financing offer through a Home Depot Citi credit card account. The financing was represented to me as a XXXX deferred-interest/interest-free promotion at the time of purchase. In XX/XX/XXXX, I discovered that the financing had apparently been entered incorrectly as a XXXX promotion instead of the agreed XXXX promotion. As a result, Citi assessed substantial retroactive deferred interest charges to my account and pushed the account over its credit limit. After discovering the issue, I contacted both XXXX XXXX and Citi multiple times by phone. XXXX XXXX representatives acknowledged that the financing appears to have been entered incorrectly at the time of sale. However, Citi representatives and supervisors have refused to correct the issue, stating that I should have identified the error within XX/XX/XXXX days of the original statements. This was not a standard billing dispute involving an unauthorized charge or incorrect purchase amount. The issue involves an incorrectly cXX/XX/XXXXed financing promotion that was not reasonably apparent during ordinary statement review. The only indication of the incorrect financing terms appeared within cXX/XX/XXXXed promotional disclosures buried in the statements, and I had no reason to believe the financing had not been set up according to the agreed promotional terms until deferred interest charges suddenly appeared. I have requested XXXX XXXX send a merchant request for correction in addition to filing an official complaint with Citi. I believe Citi has failed to reasonably investigate or remedy a merchant-confirmed financing setup error and is improperly holding me responsible for substantial deferred interest charges resulting from that error.

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 2026-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information are still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

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 2026-05-26 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: Ocwen Financial Corporation
State: VA

Complaint narrative:
Around XX/XX/year>, I received notice that my home had been scheduled for an auction sale on XX/XX/year>. Prior to receiving this notice, my real estate agent had been working diligently with the mortgage company and was even forced to escalate my file due to the lenders lack of responsiveness. The mortgage company advised me that my loss mitigation application had been opened and was under review. I promptly submitted all the documents they requested. Despite having a pending loss mitigation application, the lender still scheduled this XXXX auction sale. They later sent a letter stating that the sale would be canceled, but they have failed to do so to date. I also received notice that my loan is being transferred to another servicer on XX/XX/XXXX, which has caused me even greater concern. The lender continues to refuse to cancel the sale, claiming there is still enough time to review my application before the auction date. As the auction date approaches, I am experiencing significant anxiety and emotional distress while waiting for a decision on my loss application and the uncertainty of the loan transfer. I am XXXX XXXX and lived in my home with my now deceased husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute the following information in my file. I have recently reviewed my credit report and identified items that are inaccurate, unverified, and do not reflect my true financial history. Pursuant to 15 U.S. Code 1681e ( b ), your agency is required to follow reasonable procedures to assure maximum possible accuracy. The reporting of the items listed below indicates a failure in these procedures.

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