vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im a victim threatened through scam with my home address as well as relative names. They told me to send a certain amount of money or they would show up at my house. They asked for XXXX and I could only send XXXX and the links or numbers they sent me turned into scam. They said I clicked a website that gave them viruses and cost them money which is a total lie

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TClub Inc
State: NJ

Complaint narrative:
I used this company Abound, to send money to XXXX. As a starting point they said the money will be transferred by XXXX XXXX, and I submitted by ach payment details to them on the XX/XX/year>. Since XX/XX/XXXX I have would have written down XXXX email to them to enquirer about the deposit, every time there is template bit written response with excuses. Their app is also meant to fool customer to give status such as in process, its safe. But they are not depositing the the money in my XXXX account. I am sick and tired of thieves like this who have put out AI BOTS, only to correspond with.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
So today, I was trying to access my funds to my account. I had no issue this morning then I tried making a purchase and it said that my card was declined so I checked my bank account and there was an alert on my account that indicate that that I need to give customer service a call which I did and they told me that there was a hold from XXXX which I never received any communication or letter or anything notifying me that there was gon na be such so Navy Federal indicated that theyre gon na write a note and see if theres a way possible to have this lifted. He said the best way to do is contact together by tuition after a letter which I jumped on the call and spoke to someone at the fire department at XXXX and they said that people dont show any opens or letters which was confusing so the lady I spoke to said XXXX XXXX me a letter and email it to me and which I uploaded it onto Navy Federal portal and they still have not released my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
The merchant has already issued a refund via XXXX. However, Wells Fargos premature chargeback has caused a duplicate credit, resulting in a negative balance and potential collection action on my XXXX account. Despite multiple requests, Wells Fargo has failed to reverse the temporary credit and re-bill the account. This negligence is causing me severe financial and credit risk.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: AL

Complaint narrative:
Dear Sir/Maam I recently received a response to a disputed item. It is disheartening that Cedars Business Services , LLC can report unverified and unvalidated information to consumer credit reports and disregard requests for validation under the FDCPA. Due to this I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a full description of all methods used to verify this collection account that is being reported to your bureau. I am eager to learn how your investigators were able to validate and verify this account as accurate when the collection agency was unable to supply documents validating this account within XXXX days as required by the FDCPA. I am requested a complete list of all documents and correspondence related to this account. Please include all names and contact information of employees that you spoke to as part of the investigation and validation of this account. The previous correspondence with the collection agency is attached in order to assist you in processing this request. ( If they didnt respond omit this line. ) Please do not respond and tell me this account has been verified because I have never received proof of how. It is my right under FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to supply me with verifiable proof of the below mentioned account ( s ) within XXXX days of receiving this letter, you must remove these item ( s ) from my credit report. Please provide a copy of my updated credit report showing these item ( s ) deleted OR provide documents that follow XXXX XXXX compliancy to verify these account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am filing a new complaint regarding Capital Ones handling of a dispute for a {$71.00} transaction related to airport parking purchased through XXXX. My dispute was originally opened on XX/XX/XXXX. In Capital Ones response to my previous complaint, they stated the issue was brought to their attention on XX/XX/XXXX. This is incorrect. XX/XX/XXXX was the date Capital One requested supporting documentation from me for a second time, not the date the dispute was initiated. Capital Ones response also states that merchant documentation shows that goods or services were rendered or made available for use. However, the transaction was for airport parking purchased through XXXX, and when I attempted via a reservation to use the parking service, the parking was not available and could not be used. Because the service was unavailable at the time I attempted to redeem it, the service was not rendered and was not actually available for use. Additionally, I formally requested copies of the documentation used to support Capital Ones decision via certified mail. My request was delivered on XX/XX/XXXX. To date, I have not received any of the documentation referenced in their response that they claim to have relied upon in their investigation. Without access to the documentation Capital One claims to have relied on, I can not verify how they reached their determination. I am requesting that Capital One provide the merchant documentation referenced in their decision and correct the timeline reflected in their investigation. This transaction appears to meet the card network dispute category of services not rendered or not received, as the airport parking purchased through XXXX was not available when I attempted to use it. I am requesting that Capital One review the dispute under the appropriate card network rules and provide the merchant documentation referenced in their investigation. Furthermore, Capital Ones response appears to rely on merchant documentation that has not been provided to me despite my formal written request. Because the investigation references a timeline that does not accurately reflect when the dispute was initiated and because the supporting documentation has not been shared, I am concerned that the investigation may not have fully considered the circumstances of the dispute. I respectfully request that Capital One conduct a complete and accurate review and provide the documentation referenced in their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: Apple Financing LLC
State: TN

Complaint narrative:
A fraudulent charge was deducted from my XXXX bank accounts from a fraudulent scammer. Apple scammer stole my money, I kept my account locked and apple.com/bill is fake. They stole my funds from my XXXX account. These fake charges were stole on several dates : XXXX ( XXXX ), XXXX ( XXXX ) was declined. Never authorized this charge. XXXX ( XXXX ), XXXX ( XXXX ) was declined. Never authorized this charge. XXXX ( XXXX ), Several ( XXXX ) was declined. Never authorized those charges. They tried XXXX to XXXX times in a row. Until they were finally able to steal money when it posted to my account. From XX/XX/XXXX - to XX/XX/year> I have had funds stolen from Apple.com/bill several times. Will post screenshots of theft / fraud. I need chime to block this merchant. They allow them to hack my account and steal my money. Changing my password does not work, They still are able to hack my account and move money from my savings to my checking account. This is FRAUD!!! The scammer keeps on phishing until they find an amount they can steal from my account!! There are several charges back to back that have been declined. I have several more fraud charges I am only allowed to upload XXXX image on this website. This is so frustrating!! Apple & XXXX needs to take accountability and fix this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I am filing a complaint regarding solar loan servicing practices by Solar Servicing LLC in connection with the sale of my home. During the home sale process, I was informed that loan assumption requests are not being processed and are not permitted under current servicing policy in any circumstance. This information was provided directly by Solar Servicing LLC. This is inconsistent with the loan agreement, which describes a process where loan transfer or assumption may be requested subject to lender approval and buyer credit qualification. While the agreement allows discretion, it describes a conditional transfer mechanism that reasonably suggests assumption may be available as part of a home sale scenario. The availability of potential loan transfer or assumption is a material factor in consumer decision-making for home-integrated solar financing, as it affects how the obligation may be handled in the event of a future property sale. In this case, however, loan assumption is not available in practice, and transfer requests are not being processed. As a result, borrowers are required to pay the full remaining loan balance at closing, even though financed solar systems typically do not increase resale value by an amount equal to the outstanding loan balance. My concern is that the servicing entity is applying a categorical policy of non-acceptance of loan assumption, which differs from the conditional transfer process described in the loan agreement and only becomes apparent at the time of home sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I owned a remediation company that dried out homes after water events. This happened during the freeze in XXXX in XXXX. Many homes had their power shut off by XXXX and the pipes in thier homes burst flooding the homes. I had a company that i used to gather water leads. the contract I had with them stated that if the lead was not for me like a plumber or another tradesperson I would not be charged. they also had to tell me where the lead was from so I can track it. They sent me multiple leads and some were good and some bad. I am happy to pay what I owed but they charged me for all leads. I went to Chase bank and disputed the information and asked them to listen to all the calls which were recorded. They would not do that and denied my dispute. this caused me to close my business and lose my XXXX original investment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
Ive had a constant issue with reoccurring payments being taken out in the correct amount. When trying to fix these issues found that I was not on the most updated server. So I was told to then create a new profile. This new profile does not have any of my previous payments For years. There are no payments at all on the current platform. Was told to upload bank statements to prove that I made these payments did that they said that they still dont have them. Was told that I have a payment due in XXXX when I talked to them in XXXX now they told me that I have a payment due in XXXX. Also received a letter that I owed {$18.00} but nobody seems to know where that came from or why that letter was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing a complaint against Equifax for reporting inaccurate information on my credit report. I disputed an account from XXXX XXXX. The creditor was unable to properly verify the account and issued a written letter confirming that the account is to be deleted from my credit report. Despite this, Equifax continues to report the account as a charged-off account with a balance of {$3400.00} and even updated the account instead of removing it. This information is inaccurate and misleading, as the creditor has already confirmed the account should be deleted. Continuing to report this account is causing harm to my credit profile. I have attached documentation from XXXX XXXX confirming the account should be removed. I am requesting that Equifax immediately delete this account from my credit file and ensure accurate reporting moving forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase & XXXX refusal to correct fraudulent information reported on my credit file resulting from identity theft. Fraudulent activity was committed against me beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, during which an individual unlawfully took over my identity, locked me out of my accounts, and used my JPMorgan Chase credit card account without my authorization. This unauthorized activity resulted in charges and late payments being inaccurately reported on my credit file. I have provided supporting court documentation and an Identity Theft Resource Center report substantiating the identity theft, yet Chase has failed to properly investigate and correct the inaccurate reporting. I am requesting immediate action to update and correct my credit file with all credit bureaus to accurately reflect that these charges and late payments were the result of documented fraudulent activity, not my conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: GA

Complaint narrative:
I was paying rent to the roomate, I was not served an eviction notice but was evicted. When reaching out to the rental office they refused to give me information. I have since sued the roomate and was granted judgment from roomate. Roomate is refusing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no ties to the listed accounts, which should be deleted within 15 days pursuant to USC 1681g.

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 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
Newrez incorrectly treated my occupied, maintained property as vacant or subject to property preservation activity. Newrez representatives admitted by phone that this was Newrezs mistake. Newrez later sent me a written response dated XX/XX/year> confirming that the property inspection reflected the property as occupied, not vacant or abandoned, and that Newrez had suspended property preservation activities, including inspections, entry, lock changes, winterization, and similar actions. However, Newrezs response did not fully correct the servicing/account issue. The letter states that, as of XX/XX/year>, my loan was next due for the XX/XX/year> installment of {$3000.00} and that there was an other fee balance of {$30.00}. This appears incorrect and inconsistent with Newrezs own online account, which shows that my XX/XX/year> payment of {$3000.00} was received and that the next recurring monthly payment of {$3000.00} is scheduled for XX/XX/year>. The {$30.00} fee appears to be a property inspection fee resulting from Newrezs mistaken occupancy/property-preservation determination. I dispute this fee. I am also concerned that Newrezs systems may still show an incorrect delinquency status or may report negative information to credit reporting agencies because of Newrezs error. I am requesting that Newrez provide a written correction confirming that : ( 1 ) my loan is current and not delinquent ; ( 2 ) no amount is past due ; ( 3 ) the XX/XX/XXXX letters statement that the loan was next due for XX/XX/year> was incorrect ; ( 4 ) the {$30.00} property inspection/other fee balance has been reversed or waived and will not be collected from me ; ( 5 ) my XX/XX/year> automatic payment will be only the regular {$3000.00} payment unless I separately authorize another amount ; and ( 6 ) Newrez has not reported any delinquency or negative information to any credit reporting agency related to this issue, or if it has, that Newrez will correct it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX is reporting a {$320.00} collection for XXXX XXXX XXXX on my TransUnion credit report. I do not recognize this account or the original XXXX XXXX XXXX debt. FTC Identity Theft Report XXXX filed XX/XX/year>. Requesting immediate cessation of collection activity and deletion from all bureau reports under 15 USC 1681c-2 and 15 USC 1692g .

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security Number are XXXX. I am writing to file a complaint regarding inaccurate information reported by BRIDGECREST CREDIT C on my credit reports with XXXX, XXXX, and XXXX. The account in question has an account number ending in XXXX, a balance of {$28000.00}, and is currently listed as derogatory. This account is inaccurately reported, and I have made multiple attempts to dispute this misinformation with the credit reporting agencies. I filed disputes on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX, all categorized under 'Incorrect Details ( autoblast ) '. Despite these efforts, the derogatory status of this account remains uncorrected, which continues to adversely affect my credit scores with XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). The continued reporting of this account as derogatory has significantly impacted my financial standing. It has hindered my ability to access credit and has resulted in higher interest rates on loans, which exacerbates my financial challenges. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and complete information reported on my credit file. The persistent inaccuracy of this account violates my rights under FCRA. I urge BRIDGECREST CREDIT C to investigate this matter thoroughly and remove the inaccurate derogatory account from my credit files across all three credit bureausXXXX, XXXX, and XXXX. I am prepared to provide any additional information necessary to assist in resolving this issue promptly. This situation has been ongoing for several months, and I seek a swift resolution to prevent further financial harm.

Company response to consumer: Closed with explanation