vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: MD

Complaint narrative:
I went to their website to pay my medical debt, they called and said that I still owed {$44.00} and that there will be a 3 % fee for paying by credit card. This fee is no where listed on their website. They say a fee but not what the fee is. This is the statement that is listed on their website ( I agree to pay a Tech Fee based on the submitted payment. This FEE is applied based on the facility attended and will be applied if the account is associated with applicable facilities. Once completed, please review your bank/credit card account to see the final charges. ) When I asked where I could see the fee online they said that I can't which could mean I could be charged an arbitrary fee without my agreeing to the fee amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: AZ

Complaint narrative:
Description of what happened : " I am reporting SoFi Bank for bad-faith investigation practices and multiple violations of Regulation E ( 12 CFR 1005.11 ) regarding dispute XXXX. Violation of 10-Day Provisional Credit Rule : I filed a dispute for unauthorized ATM transactions on XX/XX/year>, following a documented car and identity theft. SoFis app explicitly committed to providing provisional credit by XX/XX/XXXX. That deadline passed without credit being issued. Bad-Faith Denial : On XX/XX/XXXX, immediately after I called to inquire about the missing credit, SoFi mass-denied all claims. This appears to be a 'dumping ' tactic to avoid the legal obligation to provide provisional credit. Disregard for Evidence : SoFi claims 'no activity indicates access of unauthorized third parties, ' despite the fact that I emailed a Police Report and an FTC Identity Theft Affidavit to their agent on [ Insert Date You Sent Email ]. DoD Allotment : These funds are a Department of Defense ( DoD ) allotment, and the bank 's failure to follow federal law is causing immediate, irreparable harm, including the risk of homelessness. Requested Resolution : I demand that SoFi immediately reverse these denials, provide the mandated provisional credit, and provide the Documents of Reliance ( 12 CFR 1005.11 ( d ) ( 2 ) ), specifically the ATM surveillance photos from the XXXX XXXX XXXX, which will prove the person at the machine was not me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX cell # address : XXXX XXXXXXXX XXXX XXXXXXXX XXXXCO XXXX. I have reported identity theft and fraud to the credit union on XX/XX/year>, and my claim was denied. After calling many times over the years, I finally got information from a representative who stated that the claim was filed wrong, but it was too late to file due to timeframe of claim I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. What would be a fair resolution to this issue? I have paid over {$13000.00} toward this debt, and I somehow still owe more money. I want my documents and case to be reviewed and processed. I want the money I have paid towards this debt to be refunded... see attachment for full text.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Contacted XXXX XX/XX/year> about XXXX phone bill i owe but I have never had XXXX as a phone provider, I have cricket cellular, they said they have no record of my information but transunion says that I have a debt of XXXX dollars that came back on a credit report after I tried to get a loan from regions bank for a new air condition unit for my home..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Hello cfpb & XXXX team someone used my XXXX card Used without my permission.And unknown person used my card a crypto company ( XXXX ). When I saw the transactions two months later because I didn't check my account regularly, I immediately contacted customer support and reported an unauthorized transaction.A few days later, when I checked my account again, I saw that they had rejected my complaint and had already refunded the dollar and had not taken any action against the person. A few days before these connections were completed, a loan-related email arrived in my email. I went to that link to verify the matter.But after going there, they asked for some information and then agreed to give me a {$500.00} loan.I then use my account card number to withdraw the loan dollars. My loan process shows they say they will send the dollars to my account in 24 hours but they never sent it.I believe that's where my card information was stolen or they used my card information to transfer money to a cryptocurrency company. My XXXX information Compromised card ( XXXX ) Name : XXXX XXXX XXXX email : XXXX XXXX XXXX XXXX : XXXX I did NOT authorize this transaction. I do NOT have any account or relationship with XXXX. I do NOT use any services associated with this merchant. This transaction is a clear case of unauthorized card-not-present fraud using stolen debit card credentials. I don't have XXXX it's confirmed 100 % Finally I'm request XXXX team please refund my hard earned money. Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.

Complaint narrative:
I am complaining about an individual banker at the XXXX XXXX Citibank location in XXXX XXXX, Florida. His name is XXXX XXXX. My mother is the account holder and I am attempting to pay her rent. The account is locked because my mother has become confused and tried to XXXX multiple times but could not verify her identity. I am also on the account and simply needed the gentlemen to unlock the account and replace her phone number with my number so I can verify my identity in order to XXXX her landlord. My mother was in XXXXXXXX XXXX office while on the phone with me and asked the gentleman to speak to me over the phone because she really did not understand what was going on. He told her for me to call customer service which I had done multiple times with no resolution. She explained to him that I was out of town if he could simply speak to me and he refused.

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 2026-04-30 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: U.S. BANCORP
State: NC

Complaint narrative:
Bought a boat XX/XX/year>. Took out a loan with the seller XXXX XXXX XXXX XXXX. The loan went to US Bank for XXXX. I made 2 payments then paid off the loan. I waited a couple months and never received a title. I called NC XXXX and they can not issue a title or allow me to fill out a lost title form because they show US Bank has a lien on it. I called US Bank several times and they say they never put a lien on the boat even though they had a loan out to me. Now I cant get a title. The bank wont send me a letter stating they have no lien on it and NC XXXX wont give me a title. What do I do?

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/year> I.C. System, Inc. XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to your recent contact regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following information : The amount of the alleged debt The name of the original creditor Copies of any documents showing that I am legally responsible for this debt Proof that your company is authorized to collect on this debt A complete payment history, including any interest or fees added to the account Until you provide proper validation of this debt, I request that all collection activity cease and that you do not report this account to any credit reporting agencies. If this account has already been reported, please mark it as disputed. If you can not provide the requested documentation, I request that this account be removed from my credit file and that no further collection attempts be made. Please respond to this request in writing within XXXX days of receiving this letter.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Bounce AI, Inc added a derogatory remark to my credit report on XX/XX/year> for the amount of {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Complaint Against Bank of America Improper Denial After Reopening Dispute I am filing this complaint regarding Bank of Americas handling of a {$660.00} dispute claim. After initially submitting my dispute, I provided a detailed dispute packet on XX/XX/year>, which included clear documentation that the service paid for was not rendered as agreed. Bank of America acknowledged receipt of my documents and proceeded to reopen and investigate the claim. Despite this, I was later informed that my claim was being denied due to too much time having elapsed, citing that documentation was originally sent to me on XX/XX/year> and my response was received on XX/XX/year>. This reasoning is inconsistent and unacceptable. If the claim was ineligible due to timing, Bank of America should have denied it immediately. Instead, they : Accepted my documentation Reopened the claim Conducted an investigation Then denied the claim based on timing This sequence demonstrates either a failure in internal process or a lack of good faith in handling my dispute. Additionally, my documentation clearly shows that : The original service did not resolve the issue A second technician corrected the problem The service I paid for failed to perform its intended function This qualifies as services not rendered as agreed, yet Bank of America did not address the substance of the dispute and instead relied solely on timing after reopening the claim. Requested Resolution : Reopen and properly review the dispute based on its merits Provide a clear and consistent explanation of the handling of my claim Issue reimbursement of the {$660.00} charge if the claim is validated Sincerely, 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 2026-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a fraudulent account that has been improperly reported to my credit file. In XXXX, I was a victim of identity theft ; however, I did not become aware of the fraud until XXXX. An unknown individual used my personal information to obtain payday loans without my knowledge or authorization. Upon discovering the fraud, I immediately contacted the companys fraud department. I was instructed to file a police report and submit the documentation for investigation. I complied with all requested steps and was provided with a reference number confirming the reported incident. Despite this, in XXXX, a collection agency has placed this fraudulent debt on my credit report. This account does not belong to me, and I have previously reported it as fraud. I am requesting that this matter be fully investigated, the fraudulent account be removed from my credit report, and that appropriate action be taken to prevent further harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Select Portfolio Servicing issued me a refund check in XXXX in the amount of {$1300.00}, which was subsequently lost. I contacted SPS and formally requested a reissue of the check on XX/XX/XXXX. As of today, more than XXXX days later, I have not received the replacement check and SPS has not provided clear confirmation that the original check has been voided or that a reissue has been processed. When I contact SPS, I am given vague responses such as pending or processing, with no specific dates, check number, or mailing confirmation. This is unacceptable for funds that are already owed to me. I am requesting that SPS : Immediately void the original check Reissue the refund without further delay Provide confirmation of processing, including check number and mailing date Expedite delivery or provide the funds via electronic payment ( ACH ) This delay has caused unnecessary inconvenience and reflects a failure in SPSs internal processing and customer service. I have made multiple follow-up attempts with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am filing this complaint regarding a cash deposit that was retained by an ATM but never credited to my account. On XX/XX/year> ( XXXX ), at approximately XXXX XXXX, I deposited {$230.00} in cash at an ATM identified as # XXXX. During the transaction, the machine retained the cash but did not credit the funds to my account. Immediately after, a red message appeared on the screen stating that the ATM was unavailable for deposits, indicating a possible malfunction. On XX/XX/XXXX, I contacted Citibank customer service and reported the issue, providing all relevant details. I was informed that I would receive a response within XXXX business day. Later, on XX/XX/XXXX, I contacted Citibank again through the mobile app via message. I was told that the incident was under review and that I would receive a written response. As of today, I have not received any update or resolution, and the funds have still not been credited to my account. These funds are needed to pay my rent, and the delay is causing financial hardship. I fulfilled my responsibility correctly, and the issue appears to be due to an ATM malfunction, which is beyond my control. I am requesting that the {$230.00} be promptly credited to my account. Additionally, given the circumstances and the delay, I request that a provisional credit be issued immediately while the investigation is ongoing. I expect a prompt resolution to this matter without further delay.

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 2026-04-30 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: CO

Complaint narrative:
Dear Sir/Madam, I am writing to formally request a refund of the disputed charge in the amount of {$2500.00}, as originally filed on XX/XX/year>, regarding a transaction involving XXXX and XXXX. As outlined in my original dispute submission ( see attached : XXXX ), and supported by the accompanying documentation and receipts, the merchants misrepresented the product sold and failed to disclose material information that would have significantly affected my purchasing decision. Specifically : The services purchased were not as described at the time of sale. Critical terms and conditions were not clearly disclosed prior to purchase. Had this information been properly presented, I would not have completed the transaction. In addition, I have included a supplemental complaint ( see attached : XXXX ) that further supports my position and provides additional clarification regarding the dispute. Based on the above, I respectfully request : Full reversal of the {$2500.00} charge, and Confirmation that the dispute has been resolved in my favor. Please review all attached documentation carefully, as it provides clear evidence supporting my claim. I appreciate your prompt attention to this matter and look forward to your resolution. escalate this issue through all appropriate consumer protection channels if necessary. Please respond promptly with confirmation of resolution. Additional information provided by consumer : XXXX Resolution : Dear Sir/Madam, I am writing to formally request a refund of the disputed charge in the amount of {$2500.00}, to my XXXX XXXX XXXX XXXX XXXX, as originally filed on XX/XX/year>, regarding a transaction involving XXXX and XXXX The dispute is described in the above Add to Resolution : I am requesting for the dispute to be reopened. The denied reason is not accurate. They stated the dispute was denied because the merchant reviewed my dispute and they stated they did not find any evidence of a billing error. I did not dispute about a billing error, I disputed because of the services I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the reporting of a 90-day delinquency on my federal student loan account serviced by Aidvantage. I was not aware that federal student loan payments had resumed following the XXXX-related payment pause. As a result of this misunderstanding, I missed payments that led to a 90-day delinquency being reported to the credit bureaus. Once I became aware that repayment had resumed, I took immediate action to bring my account current. I contacted Aidvantage to request consideration of a retroactive forbearance or administrative correction for the affected period due to the circumstances surrounding the repayment restart. I was informed that no retroactive adjustment or review could be made because the payments were already past due. I also requested escalation of my case ; however, I did not receive a resolution or further review. Given the widely publicized changes and confusion surrounding the restart of federal student loan repayment, I respectfully request a formal review of my account and consideration of the following : Review of the servicing history related to the repayment restart period Application of a retroactive administrative forbearance or other appropriate relief, if available Correction or removal of any inaccurate or negatively impacted credit reporting associated with this period, if warranted upon review I acted in good faith and addressed the delinquency promptly once I became aware of the repayment status. I am requesting a fair and thorough review of this matter. Thank you for your time and consideration

Company response to consumer: Closed with explanation