vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete credit reporting by Nelnet related to my student loan account XXXX.In XX/XX/year>, I received a written notice stating that my student loans had been forgiven. Additionally, the remaining balance referenced by Nelnet was associated with coursework that was covered by a scholarship. Based on these official communications, I reasonably believed no payment obligation remained on this account and that any remaining balance was pending update or adjustment.As a result of this reasonable reliance on written communications, the account was reported late for XXXX through XX/XX/year>. I later learned that XXXX loan was not included in the forgiveness, which was not clearly communicated at the time. Once this was brought to my attention, I immediately brought the account current, and the account is now in good standing.Nelnets credit reporting does not accurately or fully reflect the circumstances that led to the delinquency and is misleading without the context of the forgiveness notice and scholarship coverage I relied upon. I am requesting that Nelnet remove the late payment reporting as a XXXX-time goodwill and fairness adjustment and correct the information furnished to the credit bureaus.I am not disputing that a balance ultimately existed ; I am disputing the fairness and completeness of the credit reporting given the written communications I relied upon and my immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I voluntarily surrendered my vehicle to Ally Financial on XX/XX/XXXX. I notified Ally that the vehicle was available for immediate pickup and provided its location. Despite multiple attempts, Ally failed to retrieve the vehicle in a reasonable timeframe. 
Due solely to Ally Financials delay, the vehicle was towed by the City on XXXX [ XXXX, XXXX ] for a code violation and placed into a city impound lot that requires cash-only payment for release. This tow and all resulting fees would not have occurred had Ally retrieved the vehicle when notified. 
I dispute any late fees, delinquency reporting, towing fees, or storage charges incurred after XX/XX/XXXX, as the vehicle was surrendered and available for pickup. Ally Financials inaction caused additional financial harm and improper account balances. 
I am requesting that Ally Financial : Acknowledge XX/XX/XXXX as the official surrender date Immediately retrieve the vehicle from the city impound Remove or reverse any fees, charges, or delinquency reporting after the surrender date Confirm in writing that I am not responsible for towing or storage fees caused by Allys  delay I have documentation of the surrender, city tow, and impound details available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
On XX/XX/XXXX, I made a balance transfer of {$1200.00} and {$48.00} balance transfer fee to CapitalOne using their offer of XXXX % APR for XXXX months. 

On XX/XX/XXXX CapitalOne deducted my entire statement balance due ( which included all of {$1200.00} which was to be paid within XXXX months ). 
I was only supposed to pay {$430.00} but they deducted {$1600.00} from my bank account. I called them twice ( XX/XX/XXXX & XX/XX/XXXX ) to get the difference of {$1200.00} refunded- they refused. 

When they refused, I asked them to refund back the balance transfer fee of {$48.00} since they took out the entire amount at once rather than spreading over XXXX months as balance transfer terms were- they refused and hung up. 

* * CapitalOne did not warn me about change to XXXX, in the app, desktop or via email that I needed to change my payment from Statement balance to XXXX XXXX. There is no option in XXXX to change to XXXX XXXX payment * * XX/XX/XXXX - My account went into XXXX due to this large charge, I did not anticipate them taking out entire amount. I got charged {$35.00} for overdraft from my bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I made a payment to CareCredit XXXX Synchrony Bank ) that was 2 days late. The monthly payment was for {$30.00}. I submitted the payment through my bank account and waited a few days for it to post to my account. A few days later, I discovered that CareCredit took the entire {$30.00} payment as a late charge. Nothing from the {$30.00} payment went towards the principal. 

CareCredit also charges a lot of other junk fees in order to trap a consumer into debt with their high interest rates. I really abhor this predatory behavior on their part. 

Specifically, here is a rundown. 
{$30.00} ( Late fee ) XX/XX/XXXX {$4.00} ( Payment Card Security Fee ) XX/XX/XXXX {$6.00} ( Interest Charge on Purchases ) XX/XX/XXXX I want all of these junk fees refunded and applied to the principal. I also want the {$30.00} payment to be refunded and also applied to the balance. 

Please, CFPB, please establish a rule where these junk fees are illegal. Thank you kindly.

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/year>, I made a payment in the amount of {$1700.00}, which exceeded the required minimum payment. At the time of payment, my account carried : A 0 % promotional financing balance of {$1200.00}, of which {$38.00} was due. 
A XXXX statement balance of {$470.00} consisting of regular purchase transactions subject to a higher APR. 
A non-posted balance of {$1200.00} consisting of regular purchase transactions subject to a higher APR. This balance would have applied to the XXXX statement. 
Despite this, the payment amount in excess of the {$470.00} and {$38.00} for a total of {$510.00} was applied to the 0 % promotional balance rather than to the non-posted revolving balance carrying the higher interest rate. 
I did not provide any instruction directing the payment to be applied to the promotional balance, nor was the promotional period within the final XXXX billing cycles prior to expiration.

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 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
In XXXX, I obtained an auto loan through Chase XXXX for a XXXX XXXX XXXX. At the time the loan was originated, I was a young consumer and a college student with limited financial experience, which further limited my ability to fully understand the long-term impact of the loan structure as it was presented. 

The loan carried an APR exceeding 15 % and a long repayment term. While the XXXX and monthly payment were technically disclosed, the front-loaded interest structure and total cost of the loan were not reasonably explained. Over the life of the loan, I was on track to pay more than {$14000.00} in interest alone, which was excessive relative to the value of the vehicle. 

I made payments on the account in good standing. After reviewing the loan terms more carefully, I realized the loan was financially harmful and refinanced with a credit union at a significantly lower interest rate. The ability to refinance at a much lower XXXX confirms that the original loan terms were unnecessarily high and punitive. 

I am submitting this complaint because I believe the loan was unfairly structured at origination and relied on high-pressure lending practices that did not allow for an informed and reasonable understanding of the long term cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: NC

Complaint narrative:
Per my Previous complaint ( Complaint ID : XXXX ) I submitted a request for multiple accounts reporting on my credit that are inaccuracy and have not been validated nor verified which is a pure violated of the FCRA. Including incorrect addresses ( Personal information and accounts ) There also is another person who shares my exact name. ( Proper documentation verified this ). I needed to see documentation and never have. 

Report number : Report Number XXXX Report Number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Most importantly a Charge off for an account : Account name XXXX XXXX Account number XXXX This account was reported this without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws.I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures. 

Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number 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 non-monetary relief
Consumer complaint received 2026-01-08 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: NC

Complaint narrative:
Per my Previous complaint ( Complaint ID : XXXX ) I submitted a request for multiple accounts reporting on my credit that are inaccuracy and have not been validated nor verified which is a pure violated of the FCRA. Including incorrect addresses ( Personal information and accounts ) There also is another person who shares my exact name. ( Proper documentation verified this ). I needed to see documentation and never have. 

Report number : Report Number XXXX Report Number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX  XXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Most importantly a Charge off for an account : Account name XXXX XXXX Account number XXXX This account was reported this without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws.I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures. 

Account name XXXX  XXXX Account number XXXX Account name XXXX  XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My SoFi account has been frozen and they will not provide a reason. I need access to the funds in my account urgently to pay off my credit cards. I will be billing SoFi the full amount of the late fees if my funds are not paid out within a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am submitting this complaint to request assistance with inaccurate and unfair late payment reporting on my XXXX XXXX credit card account, which has been paid in full and closed. 
Consumer Information : Creditor : XXXX XXXX tab /Credit Card Account Details : Paid-in-full amount : {$500.00} Account status : Closed / {$0.00} balance I experienced a documented financial hardship during the periods in which the late payments occurred, and XXXX XXXX was made aware XXXX this hardship. To resolve the matter, I paid the outstanding balance in full in the amount of {$500.00}. At the time of payment, I was informed and reasonably relied upon the representation that the negative reporting, including late payments, would be removed. 
Despite the account reflecting a XXXX balance and paid-in-full status, XXXX XXXX continues to report XXXX payments that occurred during hardship periods. The late payments currently being reported include : XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX Applicable CFPB Issue Codes/ Categories : Incorrect information on credit report Account information inaccurate or incomplete Paid account reported as late Creditor failed to honor agreement or promise Problem with credit reporting companys investigation Information not reported accurately after payment Under the Fair Credit Reporting Act ( FCRA ), information furnished to credit reporting agencies must be accurate, complete, and not misleading. Continuing to report extensive late payment history after full paymentparticularly after assurances of removalconstitutes unfair and inaccurate credit reporting. 
I respectfully request that the CFPB require XXXX XXXX to : Conduct a thorough investigation Honor the representations made regarding removal of negative reporting Remove the late payment history listed above as a goodwill adjustment I acted in good faith by resolving the balance in full and am actively working to rebuild my credit. I am requesting fair consideration based on hardship, full repayment, and creditor representations. 
Thank you for your time and assistance. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America closed my XXXX accounts and my credit card. I called up, nevertheless, they told me that the closing of my accounts is final.

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 2026-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: OR

Complaint narrative:
Monday on XX/XX/XXXX I called XXXX to resolve the issue of not being able to use my Vanilla Visa Gift card online or sign in to see the balance ( after using it to make previous purchases online ). I wasnt able to find the issue listed in the automated system, and eventually was put through to customer service. I was told it was active and had a balance of {$57.00} dollars. The man was unable to find an issue with my account, and told me it was probably a problem with the seller being outside of the XXXX, which it was not. He also told me to try and use it at a physical location which didn't work either. None of the transactions were listed to the vanilla company. About an hour ago today on XXXX XXXXXX/XX/XXXX I tried to get back through to a human instead of the automated system which still did not work and it hung up on me multiple times. I then tried to get in contact with the card issuer ( XXXXXXXX XXXX  ) and was hung up on by the automated system twice. I was calling within the working hours of both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
Wakefield and associates, LLC and XXXX XXXX  ( later identified as XXXX XXXX  in Arizona ) received collection letter ( XXXX ) owing Banner XXXX responded with which banner and what was the date and charges for? I never received a bill from XXXX! I responded with proof of insurance and mentioned never receiving a bill. 
( I have tracking # showing my request ) Wakefield never responded and sent me into collections. I began my own investigation and found it was banner estrella from a visit in XXXX of XXXX asked XXXX why I never received a bill and denial letter from the insurance company if they didn't pay it. 
( Banners response was they only send bills through email, and I didn't provide XXXX and somehow my insurance was never run. 

banner follow up ( somehow insurance still had not be processed it got stuck in other departments ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$920.00} Late 30 days XX/XX/XXXX XXXX AUTO XXXX Balance : {$30000.00} Late 30 days XXXX Late 60 days XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$59000.00} Late 30 days XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX reported in XXXX XXXX XXXX XXXX XXXX : {$0.00} late 30 days XXXX XXXX reported in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} late 30 days XXXX, XX/XX/XXXX 2020

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
I am filing a complaint regarding my checking account with Current ( Current Bank ). 

I opened a checking account with Current after being promised a {$100.00} direct deposit bonus as part of their promotional offer. This promotion was a significant factor in my decision to open and fund the account. I completed the required direct deposit in good faith, expecting to receive the {$100.00} bonus as advertised. 

However, I never received the promotional bonus. When I contacted Currents customer service, I was told that they did not see the promotion in their system. I provided evidence showing that the promotion was associated with my account, yet despite this proof, Current continued to deny the {$100.00} bonus and refused to honor the offer. 

In addition, Current advertises early pay as a benefit of their banking system. Based on my experience, this feature is not being provided as promised, which further contributed to my decision to use Current and caused additional frustration and inconvenience. 

I believe Current engaged in misleading and deceptive practices by advertising incentives and features to attract customers and then failing to deliver them. My attempts to resolve this issue directly with customer service have been unsuccessful. 

I am requesting that Current : Honor and pay the {$100.00} direct deposit bonus that was advertised and promised Provide a clear written explanation regarding their promotional practices Address the misrepresentation of early pay services I am submitting this complaint to the CFPB because Current has failed to resolve this matter despite my good-faith efforts and supporting evidence. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: NY

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$920.00} Late 30 days XX/XX/XXXX XXXX AUTO XXXX Balance : {$30000.00} Late 30 days XXXX Late 60 days XX/XX/XXXX XXXXXXXX XXXX XXXX Balance : {$59000.00} Late 30 days XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX reported in XXXX XXXX XXXX XXXX XXXX : {$0.00} late 30 days XXXX XXXX reported in XXXX and XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} late 30 days XXXX, XX/XX/XXXX 2020

Company response to consumer: Closed with non-monetary relief