vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: CO

Complaint narrative:
I was charged two overdraft fees, despite my account being corrected within their grace period. Beyond that point, the account should not have the ability to overdraft as that option has been turned off ever since discovering how Regions bank intentionally stacks charges to solicit an overdraft fee. When this issue was first discovered several months ago, Regions claimed to have launched an investigation as to why their system didnt report my deposits until the day after they already posted to my account. After not receiving an email or callback within their 10 day time frame they promised, I contacted regions bank. The agent had no record of an investigation being launched, and agreed that I was most likely being paid lip service from the first supervisor. There was never another offer to launch an investigation. Fast forward to yesterday, XX/XX/XXXX, I awoke to find another transaction had been allowed to post. I corrected the account to a positive balance with the intention of contacting regions bank the next day to see why the account is still processing charges when it shouldnt be. That same day on XX/XX/XXXX, I checked my balance at XXXX XXXX and it still showed a balance of {$1.00}. Again, at XXXX XXXX, I checked the balance. Another charge was permitted to process. At this point, I corrected the balance again before the grace period that is permitted before fees are charged. On XX/XX/XXXX, I awoke to - {$72.00} balance to find that I had been charged two separate overdraft fees for transaction that 1. ) should not have been allowed 2. ) should not have even been charged in the event overdraft options were even available because my balance had been positive prior to close of business. I have attempted to close this account several times over the last two months only to be met with pushback. This is not my primary bank account, I do not live within XXXX miles of a regions bank. After speaking to two unhelpful representatives, the fees were not corrected and they offered no explanation as to why the charges were continuing to go through after I had elected to turn off overdraft options.

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 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX ( XXXX ) and improper lease-end handling of my XXXX XXXX XXXX XXXX 


Timeline and Facts : I returned my leased vehicle to XXXX of XXXX on XX/XX/XXXX I signed a Lease Termination Acknowledgment at turn-in I returned my license plate on XX/XX/XXXX ( receipt available ) My mileage was well below the contractual limit After vehicle surrender, the car was not inspected at the dealership XXXX  was XXXX to account for the vehicle for approximately two months XXXX  conducted an inspection on XX/XX/XXXX Only after this delay did XXXX assess {$680.00} in alleged excess wear charges and a {$350.00} disposition fee Improper Inspection and Billing : The inspection occurred more than 60 days after I surrendered possession of the vehicle. Any wear or damage identified after this period can not reasonably or legally be attributed to me, as the vehicle was no longer in my custody or control. Assessing charges after such a delay is procedurally improper and unfair. 

Contractual Violation Disposition Fee : My lease contract does not contain any provision authorizing a disposition fee. The only {$350.00} fee referenced in my contract is a purchase option fee, applicable only if I elected to buy the vehicle, which I did not. XXXX is attempting to impose a fee that is not supported by the lease agreement. 

Addendum Coverage Ignored : I purchased an Excess Wear & Use Addendum providing up to {$7500.00} in waived charges, yet XXXX proceeded with billing despite delayed inspection and disputed findings. 

Consumer Harm : I was billed months after proper vehicle return I experienced a significant credit score drop during this dispute I was forced to pursue multiple escalation paths due to XXXX  failure to handle lease termination properly XXXX  actions violate basic principles of fair billing, contract enforcement, and reasonable lease-end procedures. 
I respectfully request CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: PA

Complaint narrative:
I have sent in 4-5 cosigner release applications and each time I did they denied and did not give a good explanation. Just kept saying credit but my credit score was good. My cosigner is my father and he is XXXX so I want him released but Mohela won't cooperate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
School never paid out loan that services is charging me for XXXX XXXX XXXX XXXX XXXX had to shutdown for Financial Reasons and during that time most students financial aid wasnt disbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: TX

Complaint narrative:
TEK COLLECT is falsely reporting on my credit. I have never had any accounts with them. Per my research TEK COLLECT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
Applied for the membership, never used it because I found out I was pregnant. Went to cancel it the next month. Come to find out they didn't cancel it. The collection people called and we set up a payment. The first time I talked to them they said I could make a payment and that would be it, then it was pay half and I would not have to worry about the rest it would be settled. I have paid half and its still on my credit report. I never was able to go to the gym. The gym is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
XXXX XXXX XXXX Barclays XXXX XXXX XXXX XXXX for Undelivered Services To the Consumer Financial Protection Bureau, I am filing a formal complaint regarding Barclays handling of a chargeback dispute for {$6900.00} involving the merchant Unplugged Concepts. 
We disputed the charge under services not rendered/ not as described. Despite this, Barclays accepted the merchants rebuttal without requiring proof of actual delivery or access to services. 
Key facts : No activation email was ever received No login credentials were ever provided No access instructions were ever given No bookings or reservations were made No services were ever used or delivered The merchant claims an activation date but provided no evidence that activation was communicated to us or usable. Access that is never delivered is not a service. 
Additionally, the transaction receipt reflects an XXXX  address mismatch, which should have warranted heightened scrutiny for a high-dollar charge. 
Barclays acceptance of a merchants internal assertion of activationwithout proof of deliveryfails to protect the consumer and contradicts fair dispute resolution standards. 
I respectfully request that the CFPB require Barclays to reassess this dispute with proper consideration of service non-delivery. 
Thank you for your attention to this matter. 
Sincerely,

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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I am submitting this complaint as a continuation of CFPB complaint number XXXX, because Flagship Credit Acceptance continues to report inaccurate information to the credit bureaus despite having already provided records that contradict their reporting.

To be clear, this complaint is not about the validity of the original contract and not about the existence of a payment ledger. The issue is that Flagship is misusing those records to furnish inaccurate credit information.

Flagship has repeatedly submitted the same retail installment contract and payment ledger. Those documents confirm that the account was originally opened in XXXX with XXXX co-buyers, including my father, XXXX XXXX. There has never been any modification, assumption, novation, or re-contracting transferring sole responsibility to me. My father passed away on XX/XX/XXXX, and Flagship has never produced any written agreement or probate documentation establishing that his contractual liability was lawfully reassigned to me. 

Additionally, Flagships own Default / Right-to-Cure Notice dated XX/XX/XXXX fixes the balance at {$10000.00} and establishes a defined default timeline. The payment ledger shows no lawful post-default billing cycle and no reconciliation supporting the higher balance and ongoing delinquency reporting that later appeared on my credit reports.

Despite this, Flagship continues to report a significantly higher balance, new delinquency updates, and past due statuses long after default and charge-off. This reporting does not align with the records Flagship itself provided and does not meet the Fair Credit Reporting Act requirement of maximum possible accuracy. 

XXXX  has already removed this account due to these inaccuracies. Flagships continued furnishing of conflicting information to other credit bureaus demonstrates a failure to accurately verify the account.

I am requesting that the CFPB require Flagship Credit Acceptance to cease reporting this account and remove it from my credit reports, as the information being furnished can not be accurately or consistently verified using their own records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
This account is reported by Franklin Collection Services multiple times to different credit reporting agencies with all different dates. ( Account reported open XX/XX/XXXX to XXXX  ), ( Account reported open XX/XX/XXXX to XXXX ), account showing in another credit file as opened on XX/XX/XXXX. Franklin Collection Services was told on multiple occasions by phone and digital recorded services via disputes that the debt was never belonging to me and that it belonged to the XXXX XXXX  XXXX and/or their insurance company ( s ). I requested from Franklin Collection Services way back in XXXX or XXXX the original copies of the service agreement from the original service company XXXX XXXX XXXX XXXX & related parties ) and was only given documentation that was from Franklin Collection Services, from their time of debt purchase and ownership. I had on multiple occasions sent cease and desist letters of communication and they have violated those. I let Franklin Collection Services know that due to the emergency medical situation happen on municipal city property and due to municipal city officer 's negligence that the debt is wholly owned by the XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIOis falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIOis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/XXXX I had a XXXX direct deposit from employer and another XX/XX/XXXX for XXXX chime says u must have XXXX direct deposit of XXXX in 34 days I had 2 in 33 days and they won't honor it but giving my spot me back saying because it's a different employer I said I was never told that or read it she just kept apologizing and then hung up and that was a supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a follow-up to my previous CFPB complaint : XXXX Chase closed XXXX of my credit card accounts on XX/XX/year> and forfeited XXXX XXXX Rewards points worth approximately $ XXXX {$4500.00}. I am disputing the forfeiture of these points. 

Chases closure letters cite too many accounts opened recently and too many requests for credit or reviews of credit as the reasons for closure. The letters do not cite any rewards program violation. 
Chases cardmember agreements state points may be forfeited for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of your rewards program. None of these conditions apply to me : I have never missed a payment I have not engaged in fraudulent activity I have not filed for bankruptcy I have not engaged in program misuse all points were earned through legitimate purchases In response to my previous CFPB complaint, Chase directed me to call the Credit Abuse Team at XXXX. I called on XX/XX/year>. The representative confirmed that an executive team reviewed my case on XX/XX/year> and denied my redemption request. No explanation was provided as to which rewards program term I violated.

Chase is forfeiting points earned through legitimate spending while citing credit policy reasons unrelated to the rewards program. Their own terms do not support this forfeiture.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Product : Mortgage / Foreclosure Issue : Problem with the servicer / Fraud / Identity Theft Description of Incident : I am a confirmed Successor in Interest ( SII ) for Loan. I am reporting servicing fraud and unauthorized account access. The servicer, Rushmore/Mr. Cooper, has allowed a non-authorized individual to : Negotiate XXXX forged escrow refund checks issued post-mortem ( XX/XX/XXXX and XX/XX/XXXX ). 
Hijack the digital portal using a XXXX email address to impersonate the decedent. 
Block the rightful heirs from reinstating the loan via a " Liar 's Loop '' of 30+ fraudulent applications. 
I have provided Rushmore with the XXXX Police Report ( # XXXX ), yet they proceeded to record a Notice of Default on XX/XX/XXXX. As a confirmed SII, I demand that the foreclosure be halted immediately while the XXXX XXXX District Attorney ( XXXX XXXX ) completes the forgery investigation. 

Respectfully, Heir to the Estate Verified Successor in Interest by Rushmore Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My mortgage was Sold to PNC. I was told I had 60 days before I sent in my first payment because of the change. I tried to send it at the regular time I always have with my old company and they said it was not set up. I tried this several times and was told the same thing. I then went on vacation for XXXX. I come back and found I had received a letter from PNC saying that they were going to come after me for non payment because the mortgage was late. This is not right or fair. My mortgage was sold to a company I never would have chosen to use. I try to set up payment because that is my normal routine and it doesnt take it because my account is not ready and when I dont send a payment they send me a threatening letter before the 60 days are even up. None of this is right and for them to send it at XXXX is even worse. I have never missed a mortgage payment or even been late on one with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Make a business ATM transaction on XXXX XXXX XXXX  .. ATM ate check receipt said call chase to be sure your deposit went through .. did that .. said it will take 10 b days .. when this has happened XXXX times they refund my money on the spot. ( {$160.00} ) .. then investigate it ... I called Monday XXXX .. spoke to a Manager said he would expedite it .. I will have in 2 hours .. today is Tuesday .. not there .. called spoke to supervisor XXXX .. very rude didn't help me you have to wait 10 b days can't expedite it .. I'm in the negative for days and out of town and can't deposit business checks .. been with chase since XXXX .. yes .. XXXX accounts and daughters account XXXX I shouldn't be treated like this.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
The Department of Education announced my eligibility for a full group loan discharge in XX/XX/year>. Federal Student Aid has not yet transmitted the individual discharge determination. Despite this, Mohela continues to accrue interest and report an increasing balance to credit bureaus, causing measurable credit harm for a debt that is approved for discharge. This harm is solely due to administrative delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I found out I been scammed and tried to stop a check for XXXX which the bank said I was too late since the check been cleared yesterday which I asked them can they do something since its a huge amount and they said cant do anything

Company response to consumer: Closed with explanation