vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding Fair Collections & Outsourcing ( FCO ) and XXXX continued reporting and validation of a rental debt that has never been legally established and has already been removed by other credit reporting agencies. 

This alleged debt originates from XXXX XXXX XXXX XXXX and was referred to FCO after a landlord-tenant proceeding in XXXX XXXX XXXX XXXX. That case resulted in possession only. No monetary judgment was entered, and there has never been a court determination that I owe the amount being reported. Despite this, FCO furnished a specific balance to the credit bureaus as an established obligation.

I disputed this account multiple times and specifically requested that FCO provide the legal basis for publishing this balance on my credit report, including proof of a monetary judgment or other enforceable determination establishing the
amount as owed. FCO did not provide any such legal basis. Instead, they relied on generalized debt verification that did not address whether the amount was legally owed or lawfully reportable.

As a result of these disputes, the tradeline was removed from XXXX and XXXX XXXX following regulatory scrutiny and repeated challenges to its accuracy. This confirms that the account could not be properly verified across reporting channels. However, XXXX continues to report the same account as verified, despite being presented with the same dispute and materially identical information. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), a furnisher must conduct a reasonable investigation and may not continue to furnish information that is inaccurate, incomplete, or can not be substantiated. Likewise, 15 U.S.C. 1681i requires credit reporting agencies to conduct a meaningful reinvestigation and delete information that can not be verified as accurate. Verification requires more than repeating the furnishers assertion ; it requires confirmation that the information has a lawful and factual basis.

Here, the amount reported has never been reduced to judgment, has never been adjudicated, and has been contradicted by removals at other bureaus. Continuing to report this balance as an owed collection misrepresents its legal status and causes ongoing harm to my credit profile, including score suppression and adverse housing outcomes. 

FCOs continued furnishing of this account, and XXXX acceptance of a conclusory verified response without legal substantiation, together result in the ongoing publication of unproven and misleading information. When an alleged debt can not be legally established or consistently verified, the appropriate and lawful remedy under the FCRA is deletion, not continued reporting.

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 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: GA

Complaint narrative:
This company sent a letter to my neighbor house whom I once lived with stating I owed a debt which I do not owe anything to this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
My wife gave me a {$500.00} Vanilla Gift Card with the XXXX brand name. After multiple tries on XXXX I was able to make one purchase. I later tried to use the Vanilla Gift card on XXXX and several other sites and every time the card was declined. 

I tried for several days and every time the cars was declined without reason. When I attempt to check the current balance, the website again reports a problem with the card. Reporting the information was incorrect. It was not. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My XXXX account was compromised as well as my ip address and XX/XX/XXXX account send {$660.00} via XXXX XXXX to bitcoin address linked to wallet in XXXX Chase bank declined XXXX times then allowed it then suddenly another XXXX which not sure how can load more than XXXX onXX/XX/XXXX was never alerted of that one from Chase dispute on Chase app called said I had to dispute with bitcoinXX/XX/XXXXthey opened investigation also had it guy go through my phone to prove I was compromised and was people in foreign country spoofing ip address and stealing billions in bitcoin which I could see bit coin addresss on XXXX XXXX XXXX XXXX said bitcoin irreversible nothing further and Chase said cant prove fraud after me sending them all info and filed with the ftc as well asked Chase what documents would you need to proof fraudulent couldnt give me answers and hung up on me and kept closing my case in the app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I submitted a credit card application with JPMorgan Chase on XX/XX/year>. Chase later indicated that the application was denied. However, the application has not been retracted, rescinded, or otherwise properly resolved, and remains outstanding. 
I have sent multiple written notices requesting clarification, correction, or cure regarding the status of the application and the underlying issue. Despite these attempts, Chase has not responded. 
I am requesting that Chase either properly resolve the application or provide an explanation as to why it remains unresolved despite repeated written notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am not disputing the accuracy of Bank of Americas credit reporting.

I am respectfully requesting a one-time goodwill adjustment related to a XXXX late payment that was reported on a newly opened Bank of America credit card that carried a {$10.00} balance - I accidentaly used this card instead of my regular bank of america card - one i've used since 2004. The account dissappeared from my online portal and the bank representatives would not let me talk to anyone about an adustment as my credit score dropped XXXX points. 

I have been a Bank of America customer for over 20 years and currently maintain approximately {$500000.00} in assets with the bank. I have an otherwise excellent payment history and no pattern of late payments or financial distress. 

This missed payment occurred due to an oversight during the account-opening period. The account was not actively used, and the card was subsequently removed from my online profile, which limited my visibility into the balance. Once I became aware of the issue, the balance was immediately paid, and safeguards are now in place to prevent any recurrence. 

Given the de minimis balance, the isolated nature of the incident, my long-standing relationship with Bank of America XXXX and my strong overall credit history, I respectfully request a courtesy review and goodwill consideration to remove this late payment from my credit report. 

Thank you for your time and consideration.

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 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
To Whom It May Concern, XXXX XXXX I am writing to formally dispute fraudulent information on my credit report resulting from identity theft. 

In approximately XXXX [ XXXX ], I spoke with an Equifax representative for over two hours. During that call, I provided the details of my identity theft, including the sheriff 's department information where I attempted to file a report. The representative assured me that the fraudulent items would be permanently removed and that I would receive a confirmation letter in the mail. I never received that letter, and the items remain on my report.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, you are required to block the reporting of information that a consumer identifies as resulting from identity theft within 4 days of receiving a valid identity theft identity theft The specific fraudulent accounts are : XXXX XXXX XXXX ( Account ending in # XXXX ) XXXX XXXX XXXX ( Account ending in # XXXX ) Equifax has failed to 'block " this information as required by Section 605B of the FCRA . Additionally, they have reinserted these items without providing me the mandatory 5-day written Notice of Reinsertion.

I am requesting that the CFPB compel Equifax to : Permanently block these accounts immediately. 
Also I disputed these charges with Equifax I was on the phone with the customer service representative for about 2 hours they removed everything off everything was off and then they just suddenly popped back up on my credit now they want to do a 30-day investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America applied a right of setoff to my personal account for an old business credit card debt. 
The funds taken were from a recent personal loan intended solely to pay rent. 
This action has created an immediate housing hardship and risk of eviction. 
I am requesting a hardship review and partial or full reimbursement.

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 2025-12-31 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: SC

Complaint narrative:
I was formally approved for an Income-Driven Repayment ( IDR ) plan by Nelnet effective XX/XX/XXXX, with a monthly payment of {$100.00}, valid for 12 months. 

Subsequently, my loans were placed into a court-directed forbearance related to the XXXX litigation. Nelnet confirmed this forbearance carried a 0 % interest rate and required no payments. 

After this, Nelnet issued XXXX written notices extending my IDR recertification deadlinefirst to XX/XX/XXXX and later to XXXX stating explicitly that this extension would have no impact on my repayment status or monthly payment amount. 

Despite these written approvals and extensions, Nelnet has retroactively altered my repayment terms. My account now reflects a regular monthly payment of {$550.00} and shows accrued unpaid interest of approximately {$2000.00}. These changes were made without notice, without recertification failure, and directly contradict Nelnets own written IDR approvals and extensions. 

These actions appear to constitute improper servicing, retroactive alteration of an approved IDR plan, and improper interest accrual during periods that should not have generated interest. This conduct mirrors servicing practices currently under litigation involving Nelnet.

I am requesting : 1 ) A full manual historical account audit ( not a recalculation ), 2 ) Restoration of my approved IDR payment of {$100.00}, 3 ) Correction or removal of improperly accrued interest, 4 ) Written explanation for all retroactive changes, 5 ) Confirmation that my IDR enrollment and forgiveness eligibility remain intact.

I have attached documentation supporting all timelines and approvals described above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
{$5000.00} Charge Claim ID XXXX Payments were made to XXXX XXXX XXXX XXXX XXXX account on XX/XX/year>. FNBO received the same limited documentation from the firm as for the {$2000.00} charge ( one email and the Master Services Agreement ). FNBO denied the dispute on XX/XX/year>, stating that the services were utilized and citing limitations under Visa rules, specifically that disputes involving the quality, effectiveness, or reasonableness of legal services do not qualify for chargeback. I contacted FNBO on XX/XX/year> and XX/XX/year> ; Investigator XXXX ( ID XXXX ) would not allow me to submit additional evidence and could not explain why this dispute was denied, nor why the XXXX XXXX XXXX dispute had been credited under similar circumstances. 

I am requesting that FNBO review both disputes as billing authorization and documentation issues, considering that the firm did not provide adequate records to support the charges. I am asking that FNBO reconsider the disputes and issue a refund. 

See previous CFPB complaint for all attachments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Technology Federal Credit Union
State: OR

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX - XXXX, I attempted to deposit {$900.00} in cash into my First Tech Federal Credit Union account using a First Tech ATM located at XXXX  XXXX XXXX campus cafeteria ( XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ). 

1. I inserted the cash to my checking account ( # XXXX ) through the ATM 's deposit slot. The machine began processing the transaction.

2. They asked me if {$900.00} is the right amount to deposit and I wasn't sure so I cancelled the transaction to count the number of bills. I got my {$900.00} without any issue at this time.

3. I confirmed it was {$900.00} and tried to deposit it again.

4. Instead of completing the deposit or returning the cash, the ATM displayed an error message- they can not process the bills- but the machine only return {$200.00}. The funds were not credited to my account, but my money was debited/retained by the machine.

4. I immediately called the number provided on the ATM/customer service hotline and reported the issue, receiving case number XXXX. 

I went to their branch twice ( XXXX in XXXX XXXX campus on the same day, the other in XXXX on the next day ) but was told to wait. 

On XXXX, I got a message that " Your dispute has been accepted and your account has been credited '' but I couldn't find any money deposited. 

I reached out to the bank on XXXX to check the status, and this time they said " dispute tracker is displaying incorrect information '' and " Upon review, I noticed that this claim was denied as we were not able to find an overage at the atm. ". 

I reopened the case again on XX/XX/XXXX to point out there was XXXX outage on that day and asked them to check if there's any video review or escalate to XXXX investigation. The bank stated that they found no cash " overage '' or discrepancy in the ATM 's balance during their investigation and, therefore, refused to refund the missing funds. The bank 's internal audit records do not change the fact that I did not physically receive my money back from the machine.

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 2025-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Enterprises, LLC
State: OK

Complaint narrative:
XXXX XXXX is trying to make me pay them and I'm already paying the hospital monthly. I am not going to pay them on top of what I'm paying XXXX XXXX through their web pay service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX dispute was XXXX for XXXX order and I used my Cash App card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been trying to reach Wells Fargo retail card fraud department for several days now to report a fraudulent account, but have only received long wait times and dropped calls, and have received no callbacks.

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 2025-12-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
The company allows someone other than me to open an account fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Spoke to XXXX on XXXX XXXX regarding duplicate transfer. Requested a XXXX. Was told XXXX would call back. Missed to call. XXXX mail stated to call XXXX at my earliest convenience with ticket number XXXX. Called back on XXXX XXXX at approximately XXXX. Was told the ticket had been closed because I missed the call. Requested again to speak to a XXXX because no action had been taken. Was told a XXXX would call me back. I opened the account on XX/XX/year> and now its XXXX XXXX and my initial deposit it still not available.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I recently opened this credit card and have been paying more than my minimum amount. In XX/XX/2025 I paid on the date it was due. A few days later I received a notice about a late payment. I checked online and all payments were posted and then I started getting multiple phone calls from their collection dept. I called customer service and was told there were no problems. The same day I got a letter about a late payment. I called the cs number on the credit card and was told since the payment was paid online ( as an account transfer ) on the DUE date it was late and a fee was charged. According to my checking account the transfer went thru on the same date. So my checking account was debited but the credit card payment was late.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/XXXX XXXX suspended my account, AKA froze my account .I dont really know why exactly other than suspicious activity, and nothing else. I promptly submitted identification and contacted them about releasing my funds due to me really needing to pay my bills and they said theres nothing they can do. I have tried multiple times to contact them and get them to release my funds at least, with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to pay off a layaway balance using my XXXX  XXXX XXXX via tap-to-pay. While my XXXX  app showed an 'Approved ' status, the merchants point-of-sale system failed to complete the transaction and no receipt was generated. The store manager investigated the transaction in their system, confirmed it was marked as 'Cancelled ' on their end, and showed me the screen as proof. Based on the manager 's assurance that the XXXX  authorization would fall off, I paid the {$48.00} in cash to complete my purchase ( receipt attached ). 
I disputed the charge with XXXX, and they initially provided a temporary credit of {$48.00}. However, XXXX  later denied my dispute and appeal, clawing back the {$48.00}. Because I only had a balance of {$17.00} at the time, this clawback resulted in a negative balance of - {$30.00}. 
XXXX has now locked my account due to this negative balance, preventing me from accessing my own remaining funds ( {$17.00} ). Despite providing a physical cash receipt proving the merchant was paid by other means, XXXX refuses to correct this processing error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: LendKey Technologies, Inc.
State: WI

Complaint narrative:
My student loan company Lendkey keeps reaching out to unauthorized people about my loan. My mother was previously my cosigner but i went through the process to have her released and it was accepted and she was removed. since then any time ive made a payment after my due date they would send her calls or text messages despite her no longer being on the account. I called and spoke with Lendkey about this and they confirmed that they have the paperwork saying she was released and they dont know how she was contacted about my loan but said they would remove her contact info from the site. after this conversation she was contacted AGAIN the next month about my loan. They are not supposed to be reaching out to unauthorized individuals regarding my loan especially when i have brought this to their attention previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Fraud charges were removed then revered, interest has been added since and I the balance cleared and credit reporting corrected.

Ive spent over 40 hours on the phone trying to get this resolved and I can never get the right person to talk to.

Company response to consumer: Closed with explanation