vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for violating the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, by furnishing inaccurate information to consumer reporting agencies and engaging in what I believe to be an ongoing re-aging violation on a charged-off revolving account. Navy Federal Credit Union is currently reporting a charged-off revolving account with a balance of {$3900.00} on my XXXX and XXXX credit XXXX. This account was charged off in XX/XX/XXXX. Despite the charge-off, Navy Federal Credit Union has XXXX to update this account with an active and refreshed past-due balance every single month from XX/XX/XXXX through XX/XX/XXXX a period of approximately XXXX consecutive months. Specifically, I am alleging the following violations : XXXX. RE-AGING VIOLATION : Under the FCRA, XXXX XXXX. XXXX, a charged-off account must be reported as a static derogatory item from the date of XXXX delinquency. Continuously updating a charged-off account with a refreshed past-due balance each month constitutes re-aging an illegal practice that artificially extends the negative impact of the account on my credit profile and manipulates the seven-year reporting clock. This is not a single error but a sustained pattern of non-compliance spanning approximately XXXX months. XXXX. BALANCE EXCEEDING CREDIT LIMIT : XXXX reflects a highest balance of {$6000.00} on this account, which had a credit limit of {$5800.00}. This indicates that post-charge-off fees, penalties, or interest were added to the account after the charge-off date with no clear disclosure or accounting provided on my credit reports. XXXX. CROSS-BUREAU INCONSISTENCIES : XXXX reflects a highest balance of {$6000.00} while XXXX reflects no highest balance at all for the same account. XXXX also reflects a complete absence of payment history for this account. These inconsistencies indicate that the information being furnished by Navy Federal Credit Union is inaccurate and unreliable. XXXX. CONTRADICTORY ACCOUNT STATUS : Both XXXX and XXXX reflect that this account was closed by the credit XXXX, yet the account continues to report an active and updating past-due balance monthly. A closed and charged-off account can not simultaneously be actively past-due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
So I charge my card to pay bills and I believe they purposely process some of my bills late so I can receive and overdraft fees. If they have believe you still have funds to spend you spend not knowing your bills have not been paid even though for example : I pay my XXXX bill says its been paid XXXX weeks later the XXXX bill is processed late now I have an overdraft fee.Or they will show a bill paid on your account and dont show an accurate amount until its to late.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I called the bank to make a claim for fraud. The payment was sent through XXXX and the bank has denied my claim because they allege it was an authorized transaction. However, it was fraud by deception, not a true authorization as I was deceived into sending funds under false pretenses. This was not an authorized transaction in the meaningful sense, as my consent was obtained through fraud. I realized of the fraud on XX/XX/year> at XXXX XXXX XXXX, and called the bank to report it at XXXX XXXX. I wanted a stop to the transaction since it showed as pending. However the bank claim it was processed and the claim was denied. I called later as I thought the process through and was told to call back in 6 days. -The fraud consists of an advertisement for local services, claiming a budget friendly deal and open availability. The impersonator requested payment through digital services, XXXX, XXXX pay etc. I paid, the impersonator confirmed, however the services never arrived a the agreed time. I contacted the impersonator and they confirmed the driver was on the way. Then the impersonator asks for an extra deposit claiming it will be returned, due to some silly excuse that seems more like their problem and that's the give away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
DESCRIPTION : On or around XX/XX/year>, an Alphaeon Credit card account was opened in my name through Comenity Capital Bank without my knowledge or authorization. I did not apply for this account, I did not provide my personal information or Social Security number for this purpose, and I did not consent to a credit inquiry. The account was opened in connection with a XXXX purchase of approximately {$1600.00}. A family member used my personal information to apply for the account without my knowledge. A hard inquiry from Comenity Capital/XXXX XXXX appeared on my XXXX credit report dated XX/XX/year>. I did not authorize this inquiry. No services have been rendered by XXXX in connection with this charge. I am requesting that Comenity Capital Bank : 1. Close this account immediately 2. Remove the {$1600.00} charge 3. Remove the hard inquiry from my credit reports 4. Confirm in writing that the account has been closed and that no negative reporting will result I have contacted XXXX to request cancellation and a refund, but have received only vague assurances that someone will follow up. I am filing this complaint to ensure the unauthorized account is addressed promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STATE EMPLOYEES CREDIT UNION
State: SC

Complaint narrative:
State employee credit union is reporting an account on my report that I have disputed multiple times because they deleted it once but reinserted it back without notifying me. Despite sending two certified letters, the account remains on my report. The creditor and and the credit bureaus have not provided verification or documentation of the debt, which violates my rights under the fair credit reporting act. I am requesting immediate deletion of these accounts. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to LVNV FUNDING. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving LVNV FUNDING owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect LVNV FUNDING to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: FL

Complaint narrative:
I had a XXXX credit card ending in XXXX and this was a disputed charge on a gym membership at XXXX XXXX XXXX. I joined the gym in XX/XX/year> and it was fine until XX/XX/year>. I sent XXXX letters to the XXXX XXXX XXXX regarding non repair on treadmills, gym equipment and make the gym cold as ice by turning up the a/c and fans and got no response from him. The XXXX managers were college kids and had XXXX authority. The last letter was a XXXX day notice to cancel the gym membership. I offered to send both letters to Capital one and they declined for me to send them. With most credit card companies this does no longer appear as a charge after its disputed. Capital one ignores this policy. Capital 1 gave me a case number XXXX and every month I had to call and argue with the rep that I owed them no money. The gym XXXX XXXX required a XXXX day notice to cancel which I gave them. Now they turned it over to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Experian Information Solutions Inc.
State: MD

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: ID

Complaint narrative:
On XX/XX/year> at XXXX XXXX I received a call from CCS , when I answered XXXX requested I give him my DOB, address, telephone number, I stated that I wished to not verify any information over the phone he hung up on me. When I called back I was again hung up repeatedly over 4 times I finally got a different agent to answer. When I explained what had happened she told me I was a XXXX liar and ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The companies had no proof of the reason for inquiries

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 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
Description of Incident : I am writing to dispute a late payment mark on my credit report related to my federal student loans. This reporting is inaccurate because it stems from a failure by the loan servicers to provide the legally mandated notification of a transfer of ownership and payment responsibility. Over the past four years, my federal student loans have been transferred between three different agencies. The most recent transfer occurred in late XXXX. During this specific transition, I received no " goodbye '' letter from the previous servicer and no " welcome '' letter or account setup instructions from the current servicer. Because of the frequent administrative pauses and the high volume of transfers initiated by the Department of Education, I remained under the impression that my account was either in a pause or still with the previous entity. I was never notified that payments had resumed or that my account was being handled by a new agency until I discovered a " 3 months past due '' mark on my credit report in early XXXX. Timeline of Events : Late XXXX : Loans were transferred for the fifth time in four years. I did not receive any communication via mail or email regarding this change. XX/XX/XXXX XX/XX/XXXX : The current servicer marked my account as delinquent for three consecutive months without attempting to contact me or providing a portal to make payments. XX/XX/XXXX : I discovered the delinquency on my credit report. XX/XX/XXXX : I am filing this dispute as the reporting servicer failed to follow the notification requirements set forth in the Higher Education Act and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am filing this complaint against Credit Collection Services ( CCS Companies, XXXX, MA ) for denying meaningful communication access and interfering with my ability to dispute an alleged debt. I requested a reasonable accommodation to communicate via email due to a disability. CCS stated they could send emails to me but that I would not be allowed to reply by email, creating a one-way communication system. This is not a reasonable accommodation and does not provide meaningful access. Preventing me from responding in writing interferes with my ability to dispute the debt, request validation, and maintain proper records of communication. By restricting communication in this way while continuing collection activity, CCS is gatekeeping access to the process and interfering with my rights. This conduct raises concerns under the Americans with Disabilities Act for failure to provide reasonable accommodation and meaningful access, and under the Fair Debt Collection Practices Act for interfering with my ability to dispute and validate the debt. I have a recording of this interaction, and CCS also has their own recording, which will confirm the statements made.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am writing to formally report and demand an immediate investigation into a serious incident involving unauthorized redirection of customer payments processed through XXXX. I operate the website XXXX through which XXXX ( XXXX ) individuals registered for a retreat, and each paid a fee of {$320.00} via XXXX payment processing system. These transactions occurred over an approximate XXXXweek period, starting at the end of XX/XX/year> through XX/XX/year>. Contrary to the intended and authorized payment routing, these funds were not deposited into my designated business bank account. Instead, all XXXX transactions were diverted to an unrelated XXXXparty entity identified as XXXX XXXX XXXX XXXX XXXX in another state. The total amount misdirected is {$2900.00}. This issue came to light when a customer identified the incorrect merchant name on their credit card statement and notified me. Upon further review, I confirmed that all related transactions were affected in the same manner. I promptly contacted XXXX and have since spent several hours across multiple days seeking assistance. Despite repeated outreach via phone and chat supportincluding multiple transfersI have not received a meaningful explanation or resolution. I was issued a case number and assured the matter would be investigated, but I haven't received any follow-up communication. Upon further inquiry, I was informed that the case had been closed without evidence of a breach. Subsequently, another XXXX representative acknowledged that the funds had, in fact, been redirected to another company and assured me the issue would be escalated. To date, no action, update, or resolution has been provided. As a result of this incident : -My business has suffered financial harm and reputational risk -My customers have been forced to file fraud claims, with inconsistent outcomes -I have lost confidence in the integrity and security of Squares payment processing system This situation constitutes a potential failure in payment routing security, account protection, and/or internal processing controls. As the payment processor, XXXX is responsible for ensuring that authorized transactions are accurately routed to the correct merchant account. Accordingly, I am formally demanding the following : XXXX full and immediate investigation into how these transactions were redirected to an unauthorized third party -Written findings detailing whether this incident resulted from a system breach, account compromise, or internal processing error -Immediate remediation, including recovery and/or reimbursement of the misdirected funds -Confirmation of all security measures taken to prevent recurrence across my account ( XXXX ) and any associated platforms -Reopening of my previously closed case and assignment to an appropriate fraud or security escalation team Please tell me what I can do more at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
This past XXXX of XXXX, I applied for the Citibank XXXX XXXX XXXX Credit Card which offered an XXXX miles bonus offer for spending {$3500.00} within the XXXX XXXX months ( See attached. ). It took several weeks and multiple calls from the Citibank XXXX department to confirm information on my application, but everything finally went through in late XX/XX/year>. I met the threshold for the above Bonus within the timeline, however upon calling customer service last week to find out when I would get the points, I was informed by customer service that the bonus we each received was XXXX miles after spending {$2000.00}. This was not the bonus we signed up for that was advertised on Citibank 's website. After several phone calls to try and speak to a supervisor, I was told to email Citibank with our info. I just received a response by mail and they refused to honor the promotion or provide the requested information on my original application. The main reason we decided to sign up for this card was for the promotional bonus and now Citibank is pulling a switcheroo on the offer and not honoring what I originally applied under. Furthermore, they refused to provide the information on the exact date I applied on the web along with details of what promotion we clicked through in XXXX of 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 explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Radius Global Solutions on behalf of XXXX XXXX for internet service in Georgia that was opened in XXXXXXXX XXXX XXXX under my social from an address that I have never heard of or lived at. I live in Texas. {$360.00} owed that they are trying to collect under my name.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/year>, a transaction in the amount of {$3100.00} was made using my debit card. I did not authorize or make this purchase. On XX/XX/year>, I reported the transaction to my financial institution as unauthorized and filed a fraud claim. The claim was accepted and I was told an investigation would be conducted. Within approximately two days, I received notice that the claim had been denied. The institution stated that no error occurred and closed the claim, without providing any detailed explanation or supporting documentation showing how they determined the transaction was authorized. I am disputing this determination. I did not authorize, initiate, or benefit from this transaction. The investigation appears to have been completed very quickly, and I was not provided provisional credit while the review was pending. I am requesting a reinvestigation under Regulation E, along with documentation of the evidence used to deny my claim. I am also requesting provisional credit while the investigation is conducted, as this was reported as an unauthorized electronic funds transfer within the required timeframe.

Company response to consumer: Closed with explanation