vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 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: Self Financial Inc.
State: GA

Complaint narrative:
I am filing a complaint against Self Financial regarding improper handling of a credit card billing dispute and failure to conduct a reasonable investigation under the Fair Credit Billing Act and Regulation Z. 

I disputed a {$210.00} charge for an XXXX reservation because the lodging was unsafe and uninhabitable due to a severe roach infestation. This was not dissatisfaction with services. This was a failure to provide the contracted service. The property contained multiple live roaches throughout the night, and a roach trap was found behind the refrigerator, indicating a known infestation. My family, including children, was awake until approximately XXXX XXXX. dealing with the infestation and speaking with XXXX support. We checked out the following morning because the property could not be occupied. 

XXXX acknowledged the issue by issuing a partial refund of {$37.00} and offering an additional {$75.00} credit. The credit was not accepted. Under XXXX Rebooking and Refund Policy, including Help Article XXXX, listings that are not clean, not safe, or contain pests or vermin qualify for a full refund. A partial refund constitutes an acknowledgment that the service was not provided as contracted. 

Self requested additional information to continue the dispute investigation, including reservation dates, confirmation of a XXXX night stay, the amount charged per night, and the original invoice. I provided all requested information on XX/XX/year>, along with supporting documentation, including the XXXX reservation confirmation, payment records, and XXXX communications. 

Despite this, Self closed the dispute and reversed provisional credits without addressing any of the information they requested or the documentation provided. Their responses repeatedly mischaracterized the dispute as dissatisfaction and relied on boilerplate language stating that services were available or utilized, without explaining how the submitted evidence was reviewed or how XXXX own refund policy was considered. 

Selfs responses do not reference the information they requested, do not address the partial refund already issued by XXXX, and do not explain how a pest infested and uninhabitable property constitutes services rendered. Closing the dispute under these circumstances does not meet the standard of a reasonable investigation required under Regulation Z. 

I am requesting that the CFPB require Self Financial to reopen the dispute, conduct a reasonable investigation, and issue a chargeback for the full {$210.00}.

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: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I served on XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and had a credit card account with Bank of America opened before my military service. 

While on XXXX XXXX ( around XXXX ), I called Bank of America to ask about military benefits. The representative told me I was not eligible for any benefits. I relied on this information and did not apply at that time. 

In late XXXX, I submitted a formal SCRA request ( Case ID : XXXX ) with my military ordersXXXX. Bank of America denied it because it was more than XXXX days after my XXXX XXXX ended. 

The bank 's misinformation during my service contributed to my delay. I request retroactive SCRA benefits : 6 % interest rate cap during XXXX XXXX, waiver of late fees treated as interest, and refund of excess interest/fees charged.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
- We booked a hotel room through Citi travel at XXXX at XXXX XXXX XXXX  for XX/XX/XXXX XXXX. The reservation was a XXXX queues bed room for family of XXXX adults and XXXX kids. The reservation was fully confirmed by Citi travel ( attached the booking confirmation email ) - The whole family flew to XXXX on XXXX booked a flight to XXXX, XXXX XXXX XXXX XXXX  on XXXX with the expectation of hotel reservation - XXXX XXXX, Citi sent an email ( attached ) to inform me that the XX/XX/XXXX reservation was canceled with short notice within XXXX hours before our XXXX to XXXX flight -Citi was not able to provide alternative hotels while the hotel options was already high due to limited time and option - for reference the rental car booking at the time is already {$700.00} a day for a normal mid-size sedan ; - We talked to Citi customer service for a solution on the phone - they suggested " to cancel the flight and not flying there at all '' - this is a ridiculous since all flights and later days hotels are not cancellable and our family had been looking for this vacation for months ; - We escalated the call to a supervisor whose name is " XXXX '' ( who refused to share last name ) XXXX he suggested us to book alternative hotels ourselves and Citi to cover the difference ( pending his manager approval ) ; - We followed the advice and took quite effort booked a similar XXXXqueue room at a hotel with Marriot ( attached the booking ) - it's a similar quality room but the price was much higher ( {$7600.00} ) than the original XXXX hotel we booked with Citi a month earlier ( {$3600.00} ) ; - The price was high because of the short cancellation notice - We sent the booking confirmation Citi suggested through email but now Citi refuse to cover the full difference but only providing XXXX " thankyou '' points - only worth {$1200.00} - even not cash.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I never had any warnings or anything about my chase bank account being closed. Ive spoke with multiple people and also went to their branch location in MEDIA to figure out what is going on with my account. My funds are being held and i have not received an explanation on why my account has randomly been closed. There was no letter sent out. There was no email. My funds are being held without proper cause.

Company response to consumer: Closed with explanation
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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and incomplete reporting related to a XXXX XXXX account ( account number XXXX ) that is currently reflected on my credit reports as late and open with a balance of {$20.00}, which does not accurately represent the true status or circumstances of the account. As a consumer, I have the right under FCRA 611 ( 15 U.S.C. 1681i ) to dispute inaccurate information with the credit bureaus, and I have raised concerns because the reporting of this account appears to stem from a billing discrepancy or timing issue that falls under the protections of 15 U.S.C. 1666 ( Correction of Billing Errors ) and 15 U.S.C. 1666a ( Creditors Restrictions During Dispute ). The current reporting creates a misleading impression of delinquency that is disproportionate to the small balance involved and does not reflect my intent or efforts to manage the account responsibly. Under FCRA 623 ( a ) ( 2 ), furnishers have a duty to correct and update information that is determined to be incomplete or inaccurate, and once a dispute is raised, FCRA 623 ( b ) requires that a reasonable investigation be conducted and that the results of that investigation be accurately reported to the consumer reporting agencies. The continued reporting of this account as late without proper contextual accuracy suggests that the investigation and update obligations under the FCRA have not been fully satisfied, resulting in ongoing harm to the accuracy of my credit profile.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NJ

Complaint narrative:
My phone and debit card was stolen, I filed disputes with cashapp and all were denied they closed my account after they denied the disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: IL

Complaint narrative:
Regions has done this since I opened my account I am not exactly sure when that was, I have been banking with them for years, and I am still being charged all of these overdraft fees and it has caused substantial financial hardship for me.

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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the following inaccurate account currently being furnished to my XXXX XXXX XXXX XXXX consumer file : * Furnisher : Procollect , Inc . 
* Status : XXXX / XXXX XXXX. Violation of the Duty to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ) The account in question has been paid as agreed. However, it is being reported in a manner that falsely implies a current delinquency or ongoing collection effort. This " parking '' of a paid account is misleading to future creditors and a violation of the Fair Credit Reporting Act ( FCRA ), which requires every furnisher to provide " maximum possible accuracy ''. 
XXXX. Failure to Provide Complete Chain of Title ( 15 U.S.C. 1681i ) I demand that Procollect, Inc. provide the original " Contract of Assignment '' or " Bill of Sale '' proving they have the legal standing to continue reporting this data. Without a verified chain of title from the original creditor to Procollect , Inc., there is no legal evidence that they possess the right to furnish this data to my consumer file. 
XXXX. Inaccurate " Date of First Delinquency '' and " Status Date '' ( 15 U.S.C. 1681e ( b ) ) Review of my records indicates that the dates reported by Procollect do not align with the original creditor 's records. Any attempt to " re-age '' this debt to keep it on my report longer than the legally allowed seven-year window is a direct violation of federal law. 
XXXX. Violation of the FDCPA ( 15 U.S.C. 1692e ( 8 ) ) Under the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt collector to communicate credit information which they know ( or should know ) to be false. Continuing to report a collection that has been resolvedwithout clearly indicating its status and the date of resolutionis a deceptive practice. 
REQUIRED ACTION : I am requesting a full investigation into this account. If Procollect , Inc. can not produce the original signed contract, a full itemization of the debt, and proof of their legal authority to furnish this data within 30 days, this account must be deleted from all three credit bureaus immediately.

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 with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/XXXX I used my credit card to pay for lunch. THey gave me someone else 's card ( which I still have ). My card was stolen but I did not realize it because the card they gave me back looked like my card. Weeks later I reviewed my statement and noticed all these fraud charges and immediately called Bank of America. I told them what happened, they credited my account but the person who took my call did not code it that my card was stolen. After they did a review they said they would not credit me back for charges which the card was present which equals {$1500.00}. They are saying that my card was present at the time of purchases. Of course it was present, it was stolen from me. I filed another appeal for them to review and as of today XX/XX/XXXX they sent me a letter again saying that they have a signed receipt. I want to see these sign receipts. Did the person who stole my card sign my name. If you look at all of the charges they occur in XXXX XXXX Connecticut. I live in XXXX XXXX My card was stolen at the restaurant in XXXX XXXX XXXX In addition, the person card that I still have is a debit card, not even a credit card. XXXX is a credit card. 

I don't know what to do. I am out this money and I need help. Thank you!

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 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

I looked at my Experian, Equifax, Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right. 

I looked at my Experian, Equifax, Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: MI

Complaint narrative:
Disputing transaction from XXXX dated XX/XX/year> for amount of XXXX in which the phone was never received. 

XXXX stated it canceled the phone and on XXXX separate occasions stated it would refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I deposited a payroll check from my employer ( XXXX XXXX XXXX ) in person at a Wells Fargo branch into my Wells Fargo account. The check was drawn on Wells Fargo, as my employer also banks with Wells Fargo. 

The deposited funds were made available on Saturday, XX/XX/XXXX, and I was able to use the funds to pay rent and other expenses. I was able to use my card for lunch around XXXX XXXX  on XX/XX/XXXX with a positive account balance. At XXXX XXXX  on XX/XX/year>, I checked my account and discovered my balance was suddenly negative by over {$600.00}. 

After calling Wells Fargo immediately, I was informed that the payroll check had been placed on hold and the funds reversed, and that Wells Fargo could not assist me further and that I needed to contact my employer. I received no notification, alert, email, or letter that the check would be placed on hold or that funds would be reversed after availability was already granted. I requested the return reason and they did not provide. I also inquired on why I was not informed of this situation immediately by Wells Fargo and was told they were planning to notify the next day. As of today, the original payroll check deposit still appears as a positive transaction in my account history. There is no visible returned check or reversal entry, despite my balance reflecting a $ XXXX negative amount. This has made it impossible for me to identify the return or understand the cause of the overdraft. On top of an already confusing and frustrating situation, the two agents I spoke with were very dismissive and condescending. Ive only been with Wells Fargo for a little over 3 months, but based on the customer service I received alone, Ill be taking my banking needs else where.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, I returned my car to XXXX, and the car was on the auto loan payoff process. The car was received by XXXX without issue. My auto loan is with Bank of America, and XXXX was responsible for paying off the loan in full since the car was returned under the XXXX  day return policy. 

It has been over XXXX weeks since I returned the vehicle, and Bank of America has not received any payoff from XXXX. I have contacted both XXXX and Bank of America XXXX XXXX. Bank of America confirmed that no payment has been received, and XXXX has not provided a clear resolution or timeline for when the payoff will occur. 

As a result, I am being unfairly asked to make monthly payments on a loan for a car I no longer possess. This situation is entirely XXXX responsibility, and their delay is causing undue financial stress. I request that XXXX immediately complete the payoff to Bank of America and that no late fees or credit reporting occur due to their inaction.

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