vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
This is a follow-up complaint regarding continued inaccurate, inconsistent, incomplete, and unverified reporting across my consumer credit files maintained by Experian , Equifax, and TransUnion, in violation of the Fair Credit Reporting Act, including but not limited to 15 U.S. Code 1681i ( CRA 611 ) requiring timely and reasonable reinvestigation, 623 ( a ) ( 2 ) requiring furnishers to promptly correct and update inaccurate information, 623 ( b ) requiring a reasonable investigation upon dispute, and 609 ( 15 U.S. Code 1681g ) regarding my right to full and complete disclosure of all information used in reporting ; specifically, my credit reports contain an inaccurate address listed as XXXX XXXX XXXX XXXX, XXXX, WA XXXX XXXX along with multiple tradelines that remain inconsistently reported across the three bureaus, including a XXXX XXXX account ending in XXXX showing conflicting late payment histories ( XXXX, XXXX, XXXX, and XXXX delinquencies appearing differently across bureaus from XXXX through XXXX ), a second Capital XXXX tradeline reported inconsistently as either charged off or historically charged off with varying balances and differing last activity dates, First XXXX Bank accounts ending in XXXX reporting conflicting balances XXXX {$890.00} versus {$0.00} depending on bureau and inconsistent status reporting, a XXXX XXXX XXXX account XXXX reported as charged off with differing balances XXXX statuses, and reporting timelines across bureaus, XXXX XXXX accounts reported under varying identifiers such as XXXX, XXXX XXXX and XXXX with inconsistent status and account characterization, XXXX XXXX XXXX XXXX reporting late payments including XXXX delinquencies with differing last activity dates and inconsistent reporting timelines, XXXX accounts reported with inconsistent identifiers and reporting histories across bureaus, and XXXX XXXX XXXX XXXX reporting as closed with XXXX balance but inconsistent last activity dates across reports, all of which collectively demonstrate systemic discrepancies in payment history accuracy, balance reporting, delinquency timelines, account status classification ( open, closed, charged off, or late ), and overall data integrity across Experian , Equifax, and TransUnion ; therefore, I am requesting a comprehensive and good-faith reinvestigation of every listed tradeline with direct verification from each original furnisher, including full validation of payment histories, balance accuracy, charge-off status determinations, delinquency timelines, last activity dates, and complete account status reporting to ensure consistency and compliance across all three bureaus, along with correction or deletion of any information that can not be fully verified as accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
A formal debt validation request was submitted to Midland Credit Management via certified mail regarding a XXXX XXXX credit card account. Delivery was confirmed. The validation deadline was XX/XX/year>. Despite this outstanding validation request, Midland Credit Management continued collection activity without providing any validation documentation. An active civil lawsuit was filed and pursued against me during the open validation window. The lawsuit is currently scheduled for trial on XX/XX/year>. As of XX/XX/year>, the validation deadline has passed and no response of any kind has been received from Midland Credit Management. Under 15 U.S.C. 1692g ( b ), all collection activity must cease upon receipt of a written validation request until proper validation is provided. Midland Credit Management violated this provision by continuing to pursue litigation during and after the validation window without providing the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC
State: IL

Complaint narrative:
On XX/XX/year> my car was repossessed and I paid over XXXX to get it out of repossession. Well today my car was taken again only this time, I didnt receive any call, text, email or anything stating I was in default again or up for repossession. I called XXXX to make sure it was a repossession report, they said they have nothing in their system that the car was towed or repossessed. I have no notice to even being behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I am the court-appointed Executrix of my late husbands estate. In approximately XX/XX/XXXX, a written payment instrument was delivered to Wells Fargo regarding the outstanding mortgage balance on our property. Wells Fargo retained the document but refused to credit the account balance, forcing me to continue making full payments out of pocket to avoid default.Following the recent sale and closing of the property in XXXX, an erroneous tax liability of approximately {$800.00} was generated due to Wells Fargo 's inaccurate internal accounting and reporting to the IRS under my late husband 's Social Security Number. Furthermore, the closing agent, XXXX XXXX with XXXX XXXX XXXX XXXX, has actively pressured me via text message to execute an inaccurate residency and identity affidavit to paper over this title/tax discrepancy under penalty of perjury.I have refused to sign any false statements. My original physical receipts and transaction documents were subsequently stolen from my residence, and a formal police report has been filed with the XXXX XXXX XXXX in XXXX. I am requesting that Wells Fargo immediately review their internal document imaging for the XX/XX/XXXX transaction history, correct the erroneous reporting, issue a corrected {$0.00} tax form to the IRS, and provide full financial restitution to the estate for the administrative distress and misconduct caused during the probate closure process.

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 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Complaint Against JPMorgan Chase Bank Wire Recall / Hold Harmless Letter Delay I am filing this complaint regarding Chase Banks handling of an ongoing wire recall matter involving funds sent to a XXXX XXXX account. The wire transfer was originally sent on XX/XX/XXXX, and a recall request was initiated on XX/XX/XXXX. Since then, I have made numerous calls and visits to Chase Bank seeking assistance and updates regarding the return of the funds. XXXX XXXX advised that they requested a Hold Harmless Letter from Chase on XX/XX/XXXX, and informed me that the funds could potentially be released shortly after the letter is received. However, Chase representatives have provided inconsistent and conflicting information regarding whether this letter has actually been sent. Over the past several weeks, I have been repeatedly transferred between Chases wire department, claims department, and research department without resolution. Some representatives stated there was no claim on file, while others stated that a letter had been sent to XXXX XXXX. Despite these statements, XXXX XXXX security team has confirmed that they still have not received the requested Hold Harmless Letter from Chase. I am extremely concerned about the lack of coordination, communication, and follow-through by Chase Bank regarding this matter. The delay has now extended for several months, and I have been unable to obtain clear confirmation of : Whether the Hold Harmless Letter has actually been transmitted The date it was allegedly sent Any transmission or reference confirmation The current status of the recall investigation I respectfully request that Chase Bank : 1.Provide written confirmation regarding the status of the Hold Harmless Letter 2.Confirm whether the documentation has been sent to XXXX XXXX 3.Provide any related trace, investigation, or transmission reference numbers 4.Escalate and resolve this matter without further delay Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
I am filing this complaint regarding Affirms handling of a dispute involving a concert ticket purchase financed through their platform. I originally selected Floor F seats for a concert purchase. However, during checkout, the merchants system automatically substituted seats in Section 102 through what they later described as a XXXX XXXX XXXX used during high-demand sales. I did not realize the seat substitution had occurred until after the transaction was completed and the tickets were issued. The merchant acknowledged in writing that : * I originally selected different seats, * their system automatically substituted seats during checkout, * they refused to provide a refund, * and the tickets were non-transferable/non-resellable. After discovering the issue, I immediately purchased replacement tickets in the correct section because the original tickets were not what I intended to buy. I submitted this evidence to Affirm as part of my dispute. However, Affirm denied my claim citing insufficient evidence, despite the merchants written admissions confirming that the seats I selected were automatically changed during checkout. My dispute is not based on buyers remorse. The issue is that materially different seats were substituted without my informed consent, and I do not believe Affirm conducted a reasonable investigation of the documentation provided. I am requesting that Affirm properly review the evidence submitted, reconsider the dispute determination, and provide a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I applied for a personal loan for an emergency need. I was denied. I am the creditor. Sofi is violating the Truth Lending Act Equal Credit Opportunity Act ( 15 U.S.C. 1691 False and inaccurate information to determine my qualification. 15 U.S. Code 1611- Criminal liability for willful and knowing violation It's unconstitutional to violate fiduciary duty. Fiduciary duty : Fiduciary duty is a legal obligation bestowed upon a person ( called a fiduciary ) who has been given the authority to act on behalf of another person or entity. A fiduciary relationship exists whenever one party explicitly or sometimes implicitly places trust and confidence in another and the other party accepts responsibility to act on their behalf. This obligation requires fiduciaries to act in the best interests of that person, and not for their own personal gain. Sofi is not acting in the best interest for me. I am the beneficiary and they are the trustee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX is reporting a debt for unreturned equipment. I was never provided proper return materials/instructions. I requested verification and accurate documentation and have not received sufficient proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Company Name : TD Bank, N.A. Product/Service : Checking Account/ Legal Hold & Account Closure Description of Incident : I am filing this complaint because TD Bank has unlawfully withheld my funds, blocked my account access, and failed to provide any regulatory transparency regarding a legal hold that was officially resolved two months ago. Approximately two months ago, a credit card debt collector initiated a garnishment on my checking account. The very next day, the collector officially withdrew the garnishment, released the funds, and issued a formal Release of Garnishment. Despite the legal release being issued immediately, TD Bank has continued to hold my funds in limbo for two consecutive months. Every attempt to resolve this through frontline customer service, online costume service, help line phone number with multiple associates and branch staff has resulted in total deflection ; bank employees state they can not see the details of the hold, can not provide a timeline for release, and can not transfer me to the internal Legal Orders or Compliance departments. As of this week, the TD Bank mobile application states that I no longer have an account, indicating the bank has administratively closed the account while still actively withholding my funds. TD Bank is in violation of standard banking regulations regarding the timely processing of legal releases. They are currently retaining funds that they have no legal right or court order to hold, and they have effectively cut off my communication and access to my asset information. they continue to charge late fees and overdraft fees on my account that I should not have to pay since they are withholding the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NC

Complaint narrative:
In XX/XX/year>, I disputed inaccurate and misleading credit reporting on my federally XXXX XXXX XXXX serviced by Nelnet. These loans were fully XXXX under my 100 % Total and Permanent Disability ( TPD ) Veteran discharge, but Nelnet is furnishing status remarks that do not match the discharge or federal reporting requirements. The accounts are showing misleading comments such as Responsibility : Terminated, Account closed due to transfer, and Dispute resolved reported by grantor, which are not accurate for a TPDdischarged federal loan and are harming my credit. I asked Nelnet to explain these remarks and provide documentation supporting their reporting. On XX/XX/year>, Nelnet sent a generic denial letter stating that all credit reporting is valid and accurate without addressing the TPD discharge, without explaining the remarks, and without providing any documentation. Their response did not investigate the issue, did not address the inaccurate status codes, and did not comply with the FCRA requirement to conduct a reasonable investigation. These inaccurate remarks are affecting my ability to obtain auto and mortgage credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year>, XXXX XXXX canceled my return flight from XXXX, NC ( XXXX ) to XXXX, AL ( XXXX ) under Confirmation Code XXXX. XXXX XXXX ' own email that evening stated : " One of your flights was canceled and we were unable to rebook your trip from XXXX to XXXX. '' I was stranded overnight at XXXX XXXX XXXX XXXX for over 15 hours. I was rebooked to XXXX, AL ( XXXX ) a different city 90 miles from my contracted destination of XXXX. I incurred additional out-of-pocket costs for food during the overnight stranding and for transportation from XXXX to XXXX. The service I paid {$300.00} for was not fully provided. Additionally, I have bank records showing {$76.00} in charges at XXXX XXXX XXXX ( XXXX ) incurred during my forced overnight stay on XX/XX/year>. My mother also drove approximately 216 miles round trip from XXXX, AL to XXXX XXXX to retrieve me, at an estimated fuel cost of {$23.00} based on the Alabama state average gas price of $ XXXX at the time. Total out-of-pocket losses amount to approximately {$100.00}, in addition to the {$300.00} disputed charge, bringing the full amount owed to approximately {$400.00}. Before filing a bank dispute, I submitted a formal refund request to XXXX XXXX via XXXX. As of XX/XX/year>, it remained " XXXX XXXX '' and was never fulfilled. I also contacted XXXX XXXX XXXX XXXX and received only a generic apology with no refund offered. I filed a dispute with my bank ( XXXX XXXX. XXXX ). The bank denied it on XX/XX/year>, stating the merchant " reported the merchandise or service had been provided. '' This is directly contradicted by XXXX XXXX ' own cancellation email, which I can submit as evidence anytime. On XX/XX/year>, I emailed a formal re-appeal with full supporting documentation to the bank 's disputes email address. The bank has never responded. It has now been over eight months with no reply. A provisional credit of {$150.00} labeled " Regulation E Claim Correction '' was deposited on XX/XX/year>XXXX without adequate disclosure that it was temporary. It was later reversed when the dispute was denied, also without clear notification. I am requesting that the bank reopen my dispute, conduct a proper evidence-based investigation, and reverse the full {$300.00} charge.

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 2026-05-22 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: CA

Complaint narrative:
I made a purchase for {$320.00} with XXXX XXXX for weave hair The package never showed up I contacted usps and tik tok immediately. XXXX XXXX said they released the funds Cash App said they didnt. Ive made purchases with them before. This time the package didnt come I will not be using Cash App after this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: CA

Complaint narrative:
On XX/XX/XXXX, I initiated multiple linked credit card disputes against a XXXX, XXXX XXXX XXXX, who breached a residential construction contract and abandoned the project. Under XXXX XXXX regulations for future-performance services ( Reason Code 13.3 ), the 120-day dispute window officially opened on the contractually designated completion date of XX/XX/XXXX. Logging my claims on XX/XX/XXXX placed me securely on Day 99 of 120, making the filing fully timely under network rules. Capital One N.A. has handled these identical commercial facts with egregious internal contradiction : 1. Capital One 's Spark Business Card division correctly applied the network rules, reviewed my construction estimates, and fully APPROVED my chargeback reversals 2. Conversely, on my personal XXXX XXXX consumer card, Capital One correctly processed Case No. XXXX and advanced it to merchant review. However, their automated backend systems instantly rejected the remaining two identical sibling claims ( XXXX XXXX. XXXX and XXXX ) totaling {$17000.00} falsely claiming that my XXXX limit from the original XX/XX/XXXXXXXX transaction date had passed. I formally requested a Supervisory/Executive Review to reconcile this error, and Capital One 's system instantaneously issued identical boilerplate form letters repeating the invalid 60-day rule without human inspection. Furthermore, a phone supervisor 's claim that my cases were closed because supporting documents were uploaded after the XXXX day directly violates XXXX core rules, which mandate that the 120 days governs the intake INITIATION date ( XX/XX/XXXX ), not the subsequent document upload window. Capital One can not claim a dispute timeline has expired or that my business paperwork is invalid on my consumer card when their own business card division has already fully vetted, verified, and approved the exact same claim. I request that the CFPB compel Capital One to assign an Executive Case Manager to manually review these linked files, override the automated 60-day software errors on my XXXX XXXX account, and advance the two blocked cases to formal Merchant Review to match my approved Spark claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
An emergency hold release was approved by the Chase Executive Office XX/XX/year> at XXXX XXXX for a medical emergency. I initiated an ACH transfer for XXXX dollars on XX/XX/year>. This was after spending 2 hours trapped in a loop of verifying my information and being repeatedly transferred to the wrong departments instead of escalating my issue. Fraud department staff actively refused to escalate my call when i asked for a supervisor. He spoke over me repeatedly, instead of listening demanded that i let him talk and told me a supervisor " wouldn't help me anyway '' and transferred me to another entry level queue. Over and over. Refusing to let me contact a supervisor. After this long grueling process I was finally allowed to speak to a supervisor XXXX who was able to confirm on a 3 way call with me and XXXX XXXX supervisor that my funds had cleared, posted and left XXXX XXXX. XXXX insisted XXXX XXXX scheduled the release date of XX/XX/year> however XXXX XXXX supervisor said this was untrue and chase was holding the funds. XXXX lied. This prompted the call to the executive office where I was told they would initiate an emergency manual release of my funds since it has already been documented that the funds were posted. By the end of the day XX/XX/year> and nothing was released. I missed a very important medical appointment that I waited two months for and now will have to wait an additional two months.

Company response to consumer: Closed with explanation