vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Research Inc
State: WA

Complaint narrative:
" I am filing a formal complaint against the debt collector CENTRAL RESEARCH INC ( reporting as DEPTED/CRI ) and the credit bureaus XXXX XXXX XXXX ) for willful FCRA violations XXXX illegal name-masking, and unauthorized reinsertion of an invalidated debt.Fraudulent Name-Masking : Under CFPB Case # XXXX, Equifax previously deleted an unverified debt reported by this collector under the name CENTRAL RESEARCH INC/D. To deliberately bypass this regulatory deletion, the collector altered its reporting name to DEPTED/CRI and re-reported the identical debt.Illegal Status Reversal & Reinsertion : As of last week, my accounts with XXXX and XXXX were explicitly documented 'In Good Standing. ' On XX/XX/year>, the bureaus allowed the collector to overwrite this status and insert a '120 days past due ' marker under the masked name. This constitutes illegal reinsertion under FCRA 611 ( a ) ( 5 ) ( B ), as no mandatory 5-day written Notice of Reinsertion was ever provided to me.Willful Credit Damage & Demand for Compensation : The collector is intentionally manipulating credit bureau infrastructure to artificially suppress my credit score and evade federal oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I submitted a Notice of Error regarding mortgage servicing and escrow administration issues involving NewRez/Shellpoint . Disputes involve insurance disbursements, escrow shortages, payment application practices, unapplied funds treatment, repeated late fees, and inaccessible portal correspondence. Prior notice was provided and significant questions remain regarding escrow reconciliation and servicing treatment. A Supplemental Notice of Error with supporting exhibits is attached.

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 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
My vehicle was financed starting in XX/XX/year> through Mid Florida Financing LLC and had advised that I am on Social Security Disability. They financed car for me but have found out the value of car was only worth XXXX and Mid Florida had car value at {$16000.00}. My payments are XXXX a month. My payments were split in half XXXX at beginning of month and remaining at end of month. I have never been 30 days late on a payment. Mid Florida charges late fees every month since 2023 and has charged me double interest every month. This has been costly and they continue to say my payments are late and continue to charge me late fees. I have complained to their supervisors over the years and they insist on charging me late fees for my car payments. Nothing has been resolved and so decided to submit this information due to their business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am filing this complaint because Bank of America has closed my personal banking accounts and a joint account, and has unlawfully withheld my personal fundsincluding my direct deposits from my employerfor over five months ( since XX/XX/year> ) without returning the residual balances. In XX/XX/year>, my sister passed away. I became a joint owner with full, unrestricted legal rights on a bank account with my nephew to help him manage his finances. In XX/XX/year>, out of concern for his safety and well-being, I executed my legal right as a joint account holder to transfer {$14000.00} into my separate account to protect my nephew and the funds. Following this, Bank of America froze and subsequently closed all accounts associated with me, including my private personal checking account. While I understand banks have fraud review protocols, Bank of America has gone far beyond a standard investigation. They have failed to provide a resolution, failed to send written notice of the disposition of the funds, and have actively intercepted and withheld my valid payroll direct deposits from my employer, which are completely unrelated to the joint account funds. This prolonged, indefinite withholding of my money has caused severe financial hardship. The bank has denied me access to my own wages. For absolutely no valid reason. I have several late fees that have accrued and have almost been evicted due to this major source of wrong doing. Not to mention the trauma that me and my family are going thru with the loss of my sister and I am literally at a loss for words that this is something a bank is allowed to do I worked so hard and not to mention I was off work after my sister passed away and this holding my payroll mistake is not fair and the other money that I transferred has also had such an impact I am filing this independently as a fully entitled joint and individual account holder.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My name is XXXX XXXX i have a XXXX XXXX XXXX XXXX XXXX i have made several inquires & or attempts to get the rate lowered which has become a financial set back for me with the rates being around 26.999 % has been as high as 29.999 % literally this could be considered loan sharking they slip the fine print and legal language which is nearly impossible to understand without a lawyer, for the last 28 months i have had an average balance of XXXX dollars i have paid on average XXXX per month on this balance that averages about XXXX & it has not come down at all chase bank cheats there customers they should give me a XXXX credit for what they have done to me if i continued to pay them it would take me 35 years to pay this credit card off that should be illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: TX

Complaint narrative:
I am submitting this eighth formal follow-up complaint after repeated good-faith attempts to resolve ongoing inaccurate, incomplete, and unverifiable credit reporting that continues to appear across my consumer credit files despite prior disputes and reinvestigation requests. This complaint is made pursuant to FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ( failure to reasonably reinvestigate disputed information ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ), and FCRA 623 ( a ) ( 1 ) ( A ) ( furnisher duty to provide accurate and complete reporting ), as well as applicable provisions of FDCPA 807 15 U.S.C. 1692e and FDCPA 808 15 U.S.C. 1692f, because the items listed below continue to be reported without sufficient verifiable documentation confirming their accuracy, completeness, or lawful reporting basis. The accounts in dispute include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ) reported on Experian , which is being reported as a collection item without complete validation of the debt, ownership chain, or reporting authority, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} ) reported on TransUnion, which likewise lacks sufficient documented proof confirming accuracy and legal reporting compliance. I am also disputing XXXX ( Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$5700.00}, reported as a charge-off on TransUnion ) * * due to the absence of clear, consistent, and verifiable documentation confirming the accuracy of the reported balance, account status, and full reporting history. Despite multiple prior disputes, no adequate reinvestigation results or documentary evidence has been provided confirming that these items have been fully verified by the furnishers or that they meet the standard of maximum possible accuracy required under FCRA 607 ( b ). The continued reporting of these accounts without complete verification suggests inconsistent reporting practices and incomplete validation across the credit reporting system. Under FCRA 611 ( a ), I am therefore requesting that each credit reporting agency conduct a full and independent reinvestigation directly with the original furnishersXXXX XXXX XXXX XXXXXXXX confirm the accuracy, completeness, and legal validity of each tradeline. If any furnisher can not provide complete and verifiable documentation supporting the accuracy of the debt, balance, account status, and reporting history, I respectfully request the immediate deletion of XXXX XXXX from both Experian and TransUnion, and XXXX from TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: WA

Complaint narrative:
I am filing a formal complaint against KIKOFF LENDING , LLC and all three major credit bureaus for severe FCRA reporting inaccuracies and credit score manipulation.Contradictory and Inaccurate Data : Kikoff 's trade line contains blatant internal contradictions. The report explicitly states 'Account charged off. {$380.00} written off. ' However, they are simultaneously reporting an active 'Reported Balance ' of {$380.00} against a {$3500.00} credit limit as of XX/XX/XXXX. A debt can not be legally written off and still actively reported as a current outstanding balance on a live credit limit.Illegal Status Refreshing ( Re-Aging ) : The history states I was " {$210.00} past due as of XX/XX/XXXX. ' Because the account was charged off and closed at that time, the delinquency should be frozen in the past. Instead, Kikoff updated the account on XX/XX/XXXX, to artificially refresh the negative status and depress my credit score.Failure to Validate : Kikoff claims to have verified this debt but has utterly failed to provide me with any itemized statement or written validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Chase business credit card that was used fraudulently. Chase investigated the matter, reversed all the fraudulent charges, and issued me a new credit card. However, all three credit bureaus have still not updated their records, due to which my credit score is showing significantly lower than it should.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: WA

Complaint narrative:
This is a new, distinct complaint regarding a technical billing error and a failure to honor a promotional credit, following the closure of my previous case ( XXXX XXXX ID : XXXX ). The Promised Relief : PayPal issued a {$45.00} " Special Offer '' voucher to my account. The Authorization : On XX/XX/year>, I used this voucher on a XXXX order totaling {$46.00}. As proven in Document XXXX, PayPal 's official authorization receipt explicitly shows the - {$45.00} Special Offer applied, with a guaranteed total charge of only {$1.00}. Document XXXX confirms the total merchant order was {$46.00}. The Accounting Error : Because the merchant split the order fulfillment, PayPal 's payment processing system stripped the {$45.00} voucher away entirely at final settlement. As proven by the actual itemized merchant receipts in Document XXXX, the transaction was split into XXXX charges of {$14.00} and {$31.00} ( Totaling {$46.00} ). PayPal billed my PayPal Debit Card for both amounts in full, completely ignoring the voucher. Bad-Faith Internal Denials : I filed internal billing disputes with PayPal. They summarily denied them under Dispute Case ID : XXXX, falsely stating " the transaction was processed correctly '' because their automated system is intentionally ignoring their own voucher authorization receipt and hiding behind the split merchant math. XXXX did not make an error ; PayPal did. PayPal effectively clawed back the {$45.00} monetary relief they formally promised. I demand a manual cash credit of {$45.00} to my PayPal balance to resolve this internal billing discrepancy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 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: VA

Complaint narrative:
I purchased an item from a XXXX XXXX merchant. The item I received was not the product advertised, was the wrong model, and arrived damaged and nonfunctional. After I reported the issue, the merchant instructed me to return the item by covering or removing the hazardousmaterials ( XXXX ) labels on the lithiumpowered device before shipping it back through XXXX. This instruction was illegal and violated federal hazardousmaterials transport regulations under 49 C.F.R. Parts 171180, which prohibit concealing, altering, or removing XXXX markings on packages containing regulated batteries. After receiving the wrong and broken item and being told to violate federal shipping law, I contacted XXXX XXXX. XXXX representatives repeatedly told me that they would only issue a refund if I closed my dispute. This was a coercive request and contrary to standard consumerprotection requirements. The merchant later admitted liability in writing. I then filed a billingerror dispute with Capital One under Regulation Z, 12 C.F.R. 1026.13. Capital One initially ruled in the merchants favor. I submitted additional evidence, including the merchants written admission and proof of the hazmatlabel violation request. Capital One reopened the dispute and completed a full investigation. On XX/XX/XXXX, Capital One issued a final written determination in my favor. Under 1026.13 ( f ), once a creditor completes the investigation and provides a written explanation, the correction is final and the dispute is closed. Despite issuing a final determination on XX/XX/XXXX, Capital One has reopened this closed dispute multiple times. Reopening a finalized billingerror determination to allow a merchant to continue contesting a resolved claim is not permitted under Regulation Z. These actions violate the procedural requirements of 12 C.F.R. 1026.13, including the creditors obligations under subsections ( e ) and ( f ), and undermine the protections afforded to consumers under the Fair Credit Billing Act. I am requesting that Capital One immediately honor the XX/XX/XXXX final determination and permanently correct my account as required by federal law. Capital One also charged me during an active dispute which further shows wilful violations. This is for the card ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The accounts do not belong to me XXXX and XXXX, my previous roommate XXXX XXXX, XXXX XXXX impersonated me by using my social card while I was away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I reached out to Caine & Werner company inc about information of an account in the amount of {$970.00} on XX/XX/year> which they never responded I dont know this company or have I ever did business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: KEYCORP
State: MI

Complaint narrative:
Im my XXXX has not been working since I opened up my account. I was told I have to wait XXXX calendar days which I did and it still wasnt working so I called KeyBank and let them know and they told me you have to wait XXXX business days so I waited the XXXX business day and its still not working so then they told me they have to submit a ticket. The ticket takes XXXX to XXXX business days. Wait did the XXXX to XXXX business days and its still not working get a voicemail.on the XX/XX/year> saying its XXXX XXXX XXXX should be working and it still wasnt working as Im about to attach the screenshot above thats the sign its giving me and I called back and let them know theyre like oh its cause youre negative. Im like that has nothing to do with me registering Im not trying to send money out. I need to get money in my keypad account cause its negative so I can get my bills paid like theyre just saying random stuff. Its like I guarantee you when my account is positive tomorrow. Im still not gon na be able to register. This is ridiculous. Can I just have accurate information when my XXXX would work instead of led on mind you they tell you to use XXXX XXXX app those apps take XXXX to XXXX days when you send money with the bank account and why am I paying a transfer fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America change my name on my XXXX credit cards without my written or verbal permission my accounts were perfectly identifiable as the XX/XX/year> someone at Bank of America added my middle name which I never use to my XXXX accounts. They turned that middle name add-on around and said I had to write a letter to delete my middle name. Since I never initiated that add-on to my account, I felt it was not up to me to make the change. I repeat I never use my middle name because I hate it. Bank of America sent a form which I filled out a request to a name change also emphasizing I did not request my name change to begin with. Bank of America did not like my innocent position since they did not honor my request to remove my middle name from my credit cards. Last month I did ask them to cancel my XXXX cards ending in XXXX and XXXX which they failed to do. I then was advised by customer support to go to a Bank of America office location with my ID to get the name change. I told whoever that I live in XXXX, Hawaii, and HAWAII has no Bank of America physical location. Now my secret middle name is all over the Internet, which was indicated to me via my paid identity services that protect me from identity theft. Thank you BANK OF AMERICA for putting my financial life in jeopardy! Their robot would not let me talk to a live representative today. The robot kept hanging up on me, so I am forced to put in this complaint to CFBP.

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am submitting a formal complaint regarding Cash Apps failure to properly resolve my dispute filed on XX/XX/year>. After filing my dispute, I was initially told the investigation would take 7 days. I was later informed it could take up to 45 days. It has now been over 60 days, and I still have not received a final resolution, meaningful update, or appropriate provisional credit during the investigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Chime Financial Inc
State: NJ

Complaint narrative:
I have a charge in my bank account on XX/XX/XXXX in the amount of XXXX from XXXX. I dont have any policies with XXXX. I called them when I filed the dispute on XX/XX/XXXX and a woman told me there is no record of that payment in that amount on that day. I filed the dispute with my bank and they denied my claim. I need verification from progressive that I dont have any policies with the company and they refuse to give me anything. Chime is requesting documents that I cant provide because I never did business with XXXX ever in my life. If chime actually investigated my claim, they would have called XXXX and they wouldve been told that I never was a customer with them nor do they have record of the payment. I attached an email I sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: TX

Complaint narrative:
I purchased airfare from XXXX XXXX for {$380.00} on XX/XX/XXXX, and was issued a voucher for {$340.00} when I attempted to change my travel due to work related circumstances. XXXX XXXX later declared bankruptcy and stopped responding, leaving me unable to use the voucher or recover the value of my purchase. Because the merchant is bankrupt and unreachable, Capital Ones dispute process is the only available remedy. Under Regulation Z, the creditor must conduct a reasonable investigation and review the consumers evidence even when the merchant can not respond. The first time I submitted the claim was on XX/XX/XXXX ; since then I am asking for the reason why the claim was not considered. The only answer I received is that I did not send the requested evidence or information. But it was never mentioned what information appears to be missing. I sent all the evidence I have available. It does not appear that my documentation was reviewed or that a full investigation occurred. Inclusively the amount was accredited to my account and then again deducted. Based on the handling of my dispute, it does not appear that the investigation met the requirements of Regulation Z, which requires a reasonable review of the consumers submitted documentation.

Company response to consumer: Closed with explanation