vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has been reporting a charged-off credit card account ( opened XX/XX/XXXX with JPMCB Card Services ) to all three credit bureaus with a balance of {$3300.00} and past-due status. I filed bureau disputes on XX/XX/XXXX at XXXX ( under review ) and XXXX ( confirmation # XXXX ) challenging the Date of First Delinquency, current balance, and whether all required FCRA/FDCPA pre-charge-off notices were sent. I am asking the CFPB to require Chase to provide complete verification of all data points being furnished or to delete the tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I, XXXX XXXX, purchased my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on XXXX in XXXX XXXX, FL. The company has now been out of business for fraud and falsifying documentation, mileage, and reporting the car information correctly to XXXX and the XXXX XXXX XXXX XXXX. I have addressed this with the car loan company twice, to either be hung up on or redirected to someone who tells me I have to call back later. They are requesting that I pay on a loan amount that is legally incorrect due to the false mileage that was placed on the car. I have reports and evidence that I have mailed to XXXX twice in waited 97 days for a responce I will not pay another penny or dime to XXXX until this serious matter is taken car off I paid {$5500.00} cash in the store for a car with the milles that was told to me not knowing that the comapny lied about the millage in we found this out by taking it to the dealership as well as finding the true and accurate odometer in the trunk of the car. I have been denied the car and warranty because the mileage is incorrect or not reported correctly. It's also created a loan that shouldn't be as high as all. I will also fight this in court with the attorney. If this is not corrected by XXXX sending out an inspector to fix this issue. The price of the car/loan was false and outrageous to charge someone when the car had way, way more miles than reported, and XXXX was aware because they sent the seller the goods an email asking for the correct miles of the car, which I also received from the seller, who sent in false evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company 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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Compounding the harm caused by Nelnet 's notification failure is the structure of Nelnet 's credit reporting itself. Nelnet reports each individual loan disbursement as a separate tradeline on my credit file, even though I make a single combined monthly payment. As a result, the single failure-to-pay event caused by Nelnet 's repeated {$0.00} billing emails has been reported as three separate " Account 120 Days Past Due Date '' marks across three tradelines ( account numbers all beginning XXXX, opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). My total monthly o bligation across these three loans is {$190.00}. The cumulative credit damage from three simultaneous 120-day delinquency marks reported on the same date is grossly disproportionate to a single missed monthly payment of less than {$200.00}, and at no point was I disclosed that a single missed payment would multiply across every disbursement I hold with Nelnet. Borrowers with more disbursements are punished proportionally more severely for the same underlying conduct, which is a structurally unfair outcome regardless of whether the reporting is technically accurate under FCRA that signal unfair credit reporting and practices. Nelnet 's response addresses the technical accuracy of each individual tradeline but does not address the disproportionate cumulative harm caused by reporting a single underlying event across multiple tradelines simultaneously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: FL

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to VANCE & HUFFMAN LLC under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to VANCE & HUFFMAN LLC, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
Back in XXXX Fultons bank offered XXXX for opening a simply checking account. Did it On line and followed all rules. Called them time after time and they cant find anything! Called again now they are saying that the promotion didnt start till after I opened acc!!!!!! It didnt say anything thing about that!!!!! I went to the bank That day that I did it on Line and made sure I did it right and XXXX XXXX in the bank said yes Fultons bankXXXX XXXX XXXX XXXXXXXX XXXX XXXX. Cant believe they are doing this to me!!!! Please help I did everything they ask

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to I C SYSTEM INC under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to I C SYSTEM INC, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I found charges that I did not make and disputed them. It was a large amount of charges and a large amount of money. They told me that I had a card in my electric wallet and I dont use that. My bank which is JP Morgan Chase will not refund my money after they investigated my claim. My opinion is that maybe someone in the bank is adding my card to the wallet as this has happened before and I have it removed and then it is back in the wallet again. I would like this to be investigated. The charges are from XX/XX/year> - XX/XX/year> The total amount of charges is {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I identified and reported the fraud and disabled checkout. PayPal continues to debit {$20.00} chargeback fees per fraudulent transaction. I am requesting waiver of all chargeback fees and protection from negative balance debt for damages I did not cause

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, we vacated our apartment ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) upon lawful expiration of our lease. Our move-out was never processed in the property management system, causing phantom rent charges to accrue for months after we left. In XX/XX/XXXX, we received a routine occupancy check email from the property, responded immediately notifying them we had vacated in XX/XX/XXXX, and their staff replied in writing confirming we were " still active in the system '' and would inform the Property Manager. No corrective action was ever taken. In XX/XX/XXXX XXXX months after move-out and three months after they acknowledged the system error in writing we received a collection notice from National Credit Systems ( XXXX ) for {$11000.00}, representing approximately 6 months of phantom rent charges from XX/XX/XXXX through XX/XX/XXXX. We were never sent any invoice, payment notice, or balance statement by email or mail at any point before this collection referral. We submitted a formal dispute to XXXX on XX/XX/XXXX. Additionally, our {$2200.00} security deposit has never been returned despite multiple in-person visits and emails to the property office, violating Ohio Revised Code 5321.16 which requires return within 30 days of vacating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: NC

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX XXXX tickets through XXXX for travel for myself and my XXXX son. After the purchase, I developed a serious medical condition and underwent surgeries. I obtained a doctors letter showing I was not medically fit to travel and provided that documentation. I initially opened a credit card dispute for the charge. Later, I cancelled the dispute in good faith because I was told the refund process would move forward. However, the refund was never completed. Since then, XXXX and XXXX XXXX have given conflicting responses, and I have repeatedly requested a written update on the refund status. I have not received a clear resolution or confirmation that the refund was issued from XXXX. XXXX XXXX asked me to work with the merchant as well to resolve the issue which i did but many attempts to resolve the issue with XXXX ended of getting no response from them. On XX/XX/XXXX, XXXX sent me an email stating they are not required to refund the amount. My card issuer later closed the dispute and told me I was responsible for the charge even though i provided key documents which includes messages from both ( merchant and XXXX XXXX ) which reflects the unfairness by both. I believe this is handled unfairly by the credit card company as well since within an hour of me updating the details to backup my claim, i got dispute closed messages The amount involved was XXXX transactions of {$1200.00} and {$1100.00}. The key dates are : purchase date XX/XX/XXXX, dispute opened date XX/XX/XXXX, dispute cancelled date XX/XX/XXXX, and Dispute closed date XX/XX/XXXX. I am requesting a review of my supporting documents, reconsideration of the dispute outcome, and a clear written explanation of the refund status or a refund if it has not already been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I have repeatedly disputed and requested complete documentation for the following U.S. Department of Education collection accounts : US DEPT ED # XXXX {$940.00} US DEPT ED # XXXX {$3100.00} US DEPT ED # XXXX {$3200.00} US DEPT ED # XXXX {$4300.00} I have requested the Master Promissory Note, complete payment ledger, servicing history, transfer records, dates of default, notices sent, deferment/forbearance records, rehabilitation or consolidation records, and documentation showing how these balances were calculated. I have copies of every dispute letter and request submitted, yet I still have not received the requested documentation. I have also called repeatedly and experienced excessive hold times while trying to obtain these records directly. These accounts are old, have likely gone through multiple servicer transfers, and the balances being reported need to be fully explained and verified. Federal student loan servicing has already been the subject of lawsuits and public scrutiny for servicing failures, inaccurate information, mishandled payments, and poor borrower communication. The CFPB also previously resolved a lawsuit against Navient involving alleged student loan servicing failures, including payment handling and borrower misinformation. At this point, the responses I have received appear generic and do not address the substance of my complaint. I am also filing complaints/escalations with the FSA Ombudsman Group and any other appropriate regulatory agencies. Pursuant to FCRA 607 ( b ) and 623, all information furnished to consumer reporting agencies must be complete, accurate, and verifiable. Metro 2 reporting also requires accurate and complete reporting. If these balances and accounts can not be fully documented and verified, then the inaccurate, incomplete, or unverifiable reporting must be corrected or removed immediately.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Nelnet due to a servicer error involving my autodebit enrollment. I submitted an autodebit enrollment request to Nelnet in XX/XX/XXXX. Despite completing all required steps, Nelnet did not activate my autodebit until XX/XX/XXXX. This is a fivemonth delay. Resulting in late payments for XXXX causing a XXXX delay of late payment on my credit reportS Because autodebit was not activated as it should have been, my payments were not withdrawn automatically. Nelnets failure to process my enrollment in a reasonable timeframe directly caused the late payments that are now being reported to the credit bureaus. These late payments are inaccurately attributed to borrower fault. I acted in good faith by enrolling in autodebit, and the delinquencies occurred solely because Nelnet failed to activate the service. I am requesting that Nelnet : 1. Conduct a full audit of my autodebit enrollment and payment history. 2. Confirm the date I submitted my autodebit request ( XX/XX/XXXX ). 3. Confirm the date Nelnet activated autodebit ( XX/XX/XXXX ). 4. Correct the inaccurate late payment reporting for the months affected. I have attached documentation showing my autodebit enrollment date and the delayed activation. I am requesting that the CFPB require Nelnet to investigate this matter and correct the inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: EVERBANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
This has been nearly 2 years since this occurred but I'm still dealing with EverBank. I opened a basic checking account with EverBank and used it briefly. As part of using the account I sent my wife several XXXX Payments none were very large possibly around {$100.00}. According to Everbank they flagged these as fraudulent I don't know why and they refused at the time to provide information and still refuse to provide information. My question to them was how can a payment made to my wife, who shares my last name and is listed as the beneficiary on my account, be fraudulent and why couldn't the transaction ( s ) simply be confirmed with me? I was given the generic " we can close an account at any time for any reason '' excuse which is completely unhelpful. I currently bank with a different bank and I have tried enrolling in XXXX with them for the past year and each time I get an error when I put in my email address and phone number saying I can't use them, my bank recommended I contact XXXX directly. I was able to get a contact number for XXXX today and I found out that EverBank has locked my phone number and email address with XXXX. I've done a conference call with XXXX and EverBank to get the phone number and email address unlocked but EverBank has refused to unlock them. This isn't acceptable the phone number and email address are mine not theirs and I can't use them as I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Collection Services, Inc. (OK, TX)
State: CT

Complaint narrative:
Debt Collector ( Ameri Collect ) calls me a minimum of 12 times per day starting at XXXX and past XXXX. On XX/XX/year> they called me 7 times before XXXX. I have answered and told them to stop calling me. They continue to call repeatedly and it feels like I am being harassed. I answer and tell them to stop, and they call me from another number less than 5 minutes later. They use multiple different numbers and call none stop, disrupting my work day and sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to XXXX XXXX XXXX, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank was given the opportunity to prove the validity of this debt. They were sent two letters demanding them to provide all documents and paperwork to validate the debt. The information they sent was missing documents from 2008, when the mortgage was created, and never produced a full disclosure of Bilateral signatures, the Mutual agreement form, and bookings of account records to prove that I owe them anything. Included in my complaint are the letters of intimidation they sent me, along with a letter dated XXXX XXXX, stating that some of the documents can't be found, which proves they can't produce them. Also included in this complaint is a copy of a stamped signature of someone who was not present at the time of closing on the back of the documents, who stamped without recourse pay to the order of Fifth Third Bank. If the money was loaned to me, why would they put pay to the order of Fifth Third Bank? This debt is void and unenforceable. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation