vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
What I Want the CFPB To Do I respectfully request that the Consumer Financial Protection Bureau require the company to : Conduct a formal investigation into my complaint. Review the documentation and medical hardship evidence I have provided. Provide a clear written response addressing my concerns. Offer a fair and reasonable resolution. by refunding all unauthorized and disputed funds. If necessary, I am prepared to provide supporting documentation, including medical records and correspondence related to this matter. I appreciate the CFPBs assistance in ensuring that financial institutions comply with their responsibilities to consumers. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kwikcash, Inc.
State: WI

Complaint narrative:
Type of complaint : Problem with communication / harassment While my loan was still with KwikCash ( before it went to collections ), I received text messages from a company representative, XXXX XXXX, that were unprofessional and abusive. The messages included : XXXX of our other top clients in Texas just watched his wife die of XXXX Shift your focus count your blessings stop being a victim All Ive done is help you. These messages : - Shared personal information about another client - Attempted to shame or guilt me using someone elses tragedy - Called me a victim and lectured me about my situation I responded professionally, explaining that I appreciated his help, was communicating my circumstances, and that these messages were inappropriate. I believe this conduct is abusive and unprofessional. I request the CFPB investigate the companys communication practices and ensure they do not send manipulative or harassing messages to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened the CareCredit rewards card with synchrony and they told me that they had a promotional interest rate free for one year card that I can apply for. I paid down the balance from XX/XX/year>XXXX to XX/XX/year> and I knew that the promotion rate was gon na expire. I could not access my account online and I wasnt getting my statement through the mail because I enrolled in paperless statements. I called them in XXXX and requested to access my account. I couldnt find my credit card. I called them again in XXXX to access the account and because I dont have my credit card I had to apply for a new one well they sent me XXXX in XXXX and thats when I found out about the interest rate at 35 % in XXXX. 32 % of the original balance. This amount was more than the balance that I had on the card in XXXX. I tried to call them to ask them to reduce or remove the interest amount because I was able to pay off the balance in full immediately, but they 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 explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I enrolled in a XXXX XXXX that was advertised under the name of XXXX XXXX XXXX University, but the program was actually delivered by XXXX, a third-party training provider. At the time of enrollment, the program was presented as a pathway into a cybersecurity career and appeared to be affiliated with the university. After enrolling, it became clear that the instruction and curriculum were not provided by XXXX XXXX XXXX University itself. The university mainly licensed its name while the training and certificate were issued through the third-party provider. As a result, the certificate does not carry the same credibility as a degree or certification issued directly by the university. In practice, employers in the cybersecurity field typically require widely recognized industry certifications such as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ), or other established credentials. The certificate issued from the XXXX bootcamp is not an industry-recognized certification and does not substitute for these requirements. Because of this, the certificate from the program has not provided meaningful value in obtaining cybersecurity employment. The program was marketed as a pathway to a cybersecurity career, but the credential provided does not meet the qualifications most employers actually require for entry-level security positions. Additionally, I am a 100 % permanently and totally XXXX veteran rated by the U.S. Department of Veterans Affairs, with my XXXX status effective XX/XX/2025. Due to my service-connected disabilities and the fact that the program did not lead to employment opportunities as expected, I am requesting that this loan be reviewed and that relief be considered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax, TransUnion, Experian , and the furnisher XXXXXXXX XXXX XXXX regarding materially inconsistent and inaccurate reporting of two mortgage tradelines that appear differently across all three nationwide consumer reporting agencies despite identical balances and opening dates, creating conflicting delinquency severity that impacts my credit standing ; the first account is reported by Equifax as XXXXXXXX XXXX Account # XXXX with a balance of {$59000.00}, date opened XX/XX/year>, reflecting a XXXX late payment for XX/XX/year>, while the same obligation is reported by TransUnion as XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$59000.00}, date opened XX/XX/year>, reflecting a 30-day late payment for XX/XX/year>, and reported by Experian as XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$59000.00}, date opened XX/XX/year>, also reflecting a 30-day late payment for XX/XX/year>, and the second mortgage account is reported by Equifax as XXXX XXXX Account # XXXX with a balance of {$58000.00}, date opened XX/XX/year>, reflecting a XXXX late payment for XX/XX/year>, while TransUnion reports XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$58000.00}, date opened XX/XX/year>, reflecting a XXXX late payment for XX/XX/year>, and Experian reports XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$58000.00}, date opened XX/XX/year>, also reflecting a 30-day late payment for XX/XX/year>, and because the balances and opening dates match exactly across all three bureaus, there is no dispute regarding account identity, yet the inconsistent reporting of 60-day late versus 30-day late for the same month and year constitutes inaccurate and conflicting information in violation of FCRA 611 ( 15 U.S.C. 1681i ) requiring reasonable reinvestigation, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update inaccurate information, FCRA 623 ( b ) requiring proper investigation upon notice of dispute, and 15 U.S.C. 1666 and 1666a concerning correction of billing errors and creditor restrictions during dispute, as the difference in delinquency severity materially affects credit scoring models, underwriting review, and overall creditworthiness, and the failure of these agencies and the furnisher to maintain consistent and maximum possible accuracy across all nationwide consumer reporting agencies has resulted in harm to my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against Equifax, TransUnion, Experian , and the furnisher XXXXXXXX XXXX XXXX regarding materially inconsistent and inaccurate reporting of two mortgage tradelines that appear differently across all three nationwide consumer reporting agencies despite identical balances and opening dates, creating conflicting delinquency severity that impacts my credit standing ; the first account is reported by Equifax as XXXXXXXX XXXX Account # XXXX with a balance of {$59000.00}, date opened XX/XX/year>, reflecting a XXXX late payment for XX/XX/year>, while the same obligation is reported by TransUnion as XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$59000.00}, date opened XX/XX/year>, reflecting a 30-day late payment for XX/XX/year>, and reported by Experian as XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$59000.00}, date opened XX/XX/year>, also reflecting a 30-day late payment for XX/XX/year>, and the second mortgage account is reported by Equifax as XXXX XXXX Account # XXXX with a balance of {$58000.00}, date opened XX/XX/year>, reflecting a XXXX late payment for XX/XX/year>, while TransUnion reports XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$58000.00}, date opened XX/XX/year>, reflecting a XXXX late payment for XX/XX/year>, and Experian reports XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$58000.00}, date opened XX/XX/year>, also reflecting a 30-day late payment for XX/XX/year>, and because the balances and opening dates match exactly across all three bureaus, there is no dispute regarding account identity, yet the inconsistent reporting of 60-day late versus 30-day late for the same month and year constitutes inaccurate and conflicting information in violation of FCRA 611 ( 15 U.S.C. 1681i ) requiring reasonable reinvestigation, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update inaccurate information, FCRA 623 ( b ) requiring proper investigation upon notice of dispute, and 15 U.S.C. 1666 and 1666a concerning correction of billing errors and creditor restrictions during dispute, as the difference in delinquency severity materially affects credit scoring models, underwriting review, and overall creditworthiness, and the failure of these agencies and the furnisher to maintain consistent and maximum possible accuracy across all nationwide consumer reporting agencies has resulted in harm to my credit profile and financial standing.

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 2026-03-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Formal Complaint Regarding Improper Charge and Dispute Denial To : Consumer Financial Protection Bureau ( CFPB ) and California Attorney General 's Office From : XXXX XXXX XXXX : XX/XX/year> Subject : Improper denial of credit card dispute Capital One Savor Account XXXX in XXXX Issue Summary On XX/XX/year>, a {$72.00} charge from XXXX ( reservation XXXX ) appeared on my Capital One Savor card ending in XXXX. I am disputing this charge because I never received the rental car and never signed a rental agreement. On XX/XX/year>, I attempted to rent a car but had only {$160.00} available credit ; XXXX required a {$200.00} deposit. I called Capital One at XXXXXXXX XXXX XXXX XXXX call ) requesting a credit increase, but was told it wouldn't be available until the next day. Unable to proceed, I asked the XXXX agent to cancel my reservation, and she confirmed she would handle it. Despite canceling, XXXX charged me {$72.00}. When I disputed with Capital One, they denied my dispute. XXXX can not provide a signed rental agreement because none exists. Additionally, XXXX 's website shows no record of this rental. Requested Actions I request that Capital One reopen my dispute and reverse the {$72.00} charge. I also request that XXXX provide documentation of a signed rental agreement ( which does not exist ) and that your agencies ensure compliance with the Fair Credit Billing Act ( FCBA ), which protects consumers from charges for undelivered services. Supporting Documentation Account : Capital One Savor ending in XXXX Disputed charge : {$72.00}, posted XX/XX/year> XXXX reservation : XXXX Screenshot showing no rental record on XXXX website Call log : Capital One, XXXX XXXX, XXXX XXXX ( XXXX ) Resolution Sought Full credit of {$72.00} to my account and removal of any associated interest or fees. Thank you for your assistance with this matter. Sincerely, XXXX XXXX XXXX XXXX, California Email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I recently sent a debt validation letter to the company and through cfpb but they only sent a state disclosure, ledger and lease that apparently I signed but they did not show proof of how my debt was calculated. I need proof of what they say I owe is what I really owe. I have tried to call and contact the company through email and was told tgey can not give me a settlement or payment plan in writing and also are not trying to let me rectify the account or show proof of how they came up with the numbers they did. I need to see how the account jumped from {$8600.00} to {$10.00}, XXXX and still going up. I have no way to pay this debt if it keeps going up and the company is not willing to take payment with proper documentation and rising interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Service Finance Company , LLC ( Account # XXXX ) and the dealer XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX for deceptive sales practices and misleading financing related to a solar panel loan. On or around XX/XX/XXXX, salesperson XXXX XXXX from XXXX XXXX XXXX XXXX sold me a solar system for {$55000.00} ( after XXXX rebate ). To finance it, the purchase was split into XXXX loans : XXXX for {$34000.00} and a second bridge loan for {$21000.00}. XXXX explicitly told me and confirmed in writing via text messages that I would receive a federal tax credit refund when I file my XXXX taxes, and that this refund would allow me to pay off the entire {$21000.00} loan before any payments are due. Specifically, in text messages ( attached as Exhibit A ) : I asked : By the way, when I file the tax return, I will receive refund for the other loan and be able to pay off before the payment should start as you explain. Right? XXXX replied : Yes I also asked : It shows promotion ends XX/XX/XXXX. That will be when payment should start if not paid in full before the promotion. Right? XXXX replied : Yes thats correct The loan has a promotional 0 % interest/ no payment period from XX/XX/XXXX to XX/XX/XXXX ( attached billing statements as Exhibit B ). The entire structure was sold to me as safe only because of the tax credit payoff plan confirmed by XXXX. However, I did not receive the expected tax credit .. As a result, I am now facing full liability on the {$21000.00} loan plus 23 % interest starting after XX/XX/XXXX. This was never properly disclosed as a risk, and the salesperson created a clear expectation that the tax credit would eliminate the second loan. This is exactly the type of misleading practice the CFPB has warned about in its XX/XX/XXXX Issue Spotlight : Solar Financing report regarding solar-specific loans and misrepresented federal tax credits. What I want : I request that the CFPB require Service Finance Company , LLC ( in coordination with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to : Cancel or pay off the entire {$21000.00} loan in full ( Account # XXXX ). Remove any negative credit reporting related to this loan. Provide written confirmation that no further payments or interest will be owed. I have already filed a complaint with the New York Attorney General ( File No. : XXXX ) and submitted rebuttal evidence including the text messages. I am happy to provide any additional documents. Thank you for your assistance. Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Best time to call : Any afternoon Additional information provided by consumer : XXXX Consumer requested to direct this complaint to Service Finance Company , LLC,

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is noy my account and have never done business with them. Comenuty bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: FL

Complaint narrative:
I had a credit card with NFCU ( my bank ) and I lost my job during COVID and was unable to pay the bill. The card was charged off, but it still occurred interest. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was put on XXXX. From XXXX to the present any funds that goes in my regular checking account is seized. I received a donation for my utilities and they took it with no notice. The moment any funds go into the account they are immediately taken. They refuse to take any amount from me that doesn't suffice. I informed them I was now only receiving SSI benefits so I could only afford XXXX XXXX monthly. They said the amount is to low. After 7yrs they have taken my checking my savings even my money market. They have given me no way, no paperwork of any kind to able me to pay on the loan if I have anything left at the end of the month. I try to have the card charged off so I can consolidate it but they refuse. It is XXXX and they are still taking anything that is placed into my account. They have caused me to be without utilities, I have been almost evicted, as well as my kids had no uniforms for back to school because without warning the funds are taken from my account. It is doing nothing for the debt because it is still gaining interest daily.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
This company is violating my rights. It has been 30 days and they have no provided validated information. Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my credit report. 15 U.S.C. SS 1692g ( b ) of the FDCPA requires debit collectors to cease collection activities and provide proper validation of the debt within 30 days of initial contact. These accounts are not 100 % accurate. Until I am provided competent evidence that validates the debt including a signed agreement, and full account history, you MUST cease all collection efforts and remove this information from my credit report. Please review this immediately. ONCE A VEHICLE IS SOLD AT AUCTION I NO LONGER OWE THE ORIGINAL DEBT.. I look forward to this matter being resolved as soon as possible as this is taking a toll on my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
Collector Agency : NBC MANAGEMENT SERVICES Account Number : XXXX Amount of the debt : {$1500.00} Date Opened : XX/XX/year> Validation Debt and Remove Collection I am disputing a collection account that has been reported against me. I requested validation of this debt, but the collection agency failed to provider proper documentation proving that the debt is legitimate and that I am responsible for it. Under the Fair Debt Collection Practices Act, a collector must provide proper validation of the debt upon request. Since they have not provide proof, I believe this account is being reporte inaccurately. I respectfully request that this matter be investigated and that collection account be removed from my credit report if the company can not provide proper verification of the debt.

Company response to consumer: Closed with explanation