vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I entered into a solar financing agreement through XXXX XXXX after being solicited by a solar sales representative. During the sales process, I was told that the solar system would essentially pay for itself and that my federal tax refund would cover a significant portion, making the system affordable. These representations were misleading and created a false understanding of the financial obligation I was agreeing to. I was not clearly informed of the true cost of the loan, the total repayment amount, interest, or the risks associated with relying on tax credits. I later learned that the tax credit is not guaranteed in the manner it was presented and depends on individual tax liability, which was not properly explained to me. Had I been provided with accurate, clear, and truthful information, I would not have agreed to enter into this loan. I believe I was misled through deceptive sales practices and did not provide fully informed consent. I have attempted to address this issue but have not received a satisfactory resolution. I am requesting full rescission of the loan agreement, removal of any associated financial obligation, and that this account not be reported negatively to any credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I noticed unauthorized transactions on my account totaling approximately {$1100.00}. The transactions included charges such as {$1100.00} on XX/XX/year> from XXXX XXXX XXXX and {$2.00} on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, which I did not recognize or authorize. I reported the issue to Bank of America on XX/XX/year> as soon as I became aware of the charges. Bank of America opened a fraud investigation and I fully cooperated, confirming that I did not make or authorize the transactions and that I did not benefit from them. I also verified that my account information had not been shared intentionally. On XX/XX/XXXX, I was informed that Bank of America denied my fraud claim. The reason provided was " The chip was read, your PIN was entered, and/or you signed for the merchandise or service '', but no clear explanation or supporting evidence was given to justify this conclusion After the denial, I contacted the company again on XX/XX/year> to request a reconsideration and additional details about how the investigation was conducted. However, I have not received a satisfactory response or any new information. I believe the denial is incorrect because these transactions were unauthorized, and they were made overseas while I am here in New York, I suspected that those transactions were made from the New replacement card Bank of America sent that I never received. And I reported them promptly. I am requesting that the company conduct a proper review, reverse the charges, and provide a clear explanation of their findings.

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 monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BSI Financial Holdings, Inc.
State: WI

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am submitting this complaint regarding an inaccurate 30-day late payment that has been reported on my credit report by my mortgage servicer BSI Financial Services XXXX Account Number - XXXX My mortgage payment was made via ACH electronic transfer and was successfully initiated and received one day prior to reaching 30 days past due. However, the servicer did not process or post the payment until the following day and has reported the account as 30 days delinquent to the credit bureaus. Under 12 C.F.R. 1026.10 ( a ), a creditor is required to credit a payment as of the date of receipt : A creditor shall credit a payment to the consumer 's account as of the date of receipt My ACH payment was received before the 30-day delinquency threshold. The servicers internal processing delay does not change the date of receipt and should not result in negative credit reporting. I fulfilled my obligation by submitting payment before the account became 30 days past due. This is the second time this servicer has wrongfully reported me 30 days late under similar circumstances. During the first occurrence, I notified the servicer and requested correction. The first time the correction was made. This time, despite providing proof of timely payment, the servicer has refused to correct the reporting. The continued pattern suggests either a systemic issue to properly apply federal payment crediting requirements. This inaccurate reporting has negatively impacted my credit profile and is both unfair and noncompliant with federal regulations. I respectfully request : 1. Immediate correction of the inaccurate 30-day late reporting with all XXXX credit bureaus. XXXX XXXX XXXX XXXX ) 2. Written confirmation that the correction has been made. 3. A formal review of the servicers ACH payment processing and credit reporting practices to ensure compliance with 12 C.F.R. 1026.10. 4. An explanation as to why timely received ACH payments are not being credited as of the date of receipt. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XXXX permanently limited my account and informed me my funds would be held for 180 days. That period expired approximately 6 years ago. My balance of {$7000.00} has never been released. XXXX has confirmed that the funds are still present in my account, yet they have failed to release them. I have already provided identity verification and contacted support multiple times with no resolution. I am requesting immediate release of my funds I have dealt with for quite some time and this should be the end to this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Around 150 days ago I made a mistake of depositing a business check in my personal account due to this the bank understood as fraud and canceled my account and froze the funds of the deposited check and it's been 150 days and they don't give me the answer If they returned the money to the person who issued the check I could receive it again in the correct way but they have been freezing money for more than 150 days and they don't give me an answer Remembering that the deposited check is in the amount of {$4300.00}

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a victim of a sophisticated Financial Institution Impersonation Scam. A criminal contacted me via XXXX and sent fraudulent emails impersonating XXXX Support. These emails claimed my account was " on hold '' and required an " expansion fee. '' I was then coached over the phone by an individual claiming to be a XXXX representative who induced me to send {$500.00} via XXXX to a fraudulent account. Key Evidence of Fraud : Impersonation : The scammer used " official '' looking XXXX branding and a fraudulent support phone number. Targeted Attack : I was coached through multiple failed payment attempts on other apps to lower my guard before being directed to XXXX. Bank Awareness : During my follow-up calls, Chase confirmed a second fraudulent transaction to this same person was " suspended '' by their internal filters. This proves Chases own systems identified the recipient as a fraudster, yet they have refused to reimburse the initial {$500.00} transfer. Official Reports Filed : FTC Fraud Report : XXXX XXXX XXXX XXXX Report : XXXX State District Attorney Complaint Despite Chases XXXX policy stating that " Qualifying Imposter Scams '' are eligible for reimbursement, my claim has been repeatedly deflected. Branch staff acknowledged the policy but claimed the necessary team was " not available '' and referred me to XXXX, who offered to call Chase on my behalf to no avail. While Chase added security to my account after I mentioned the CFPB, they have not yet initiated the mandatory clawback/reimbursement process for an induced push payment involving financial impersonation. I have added several screenshots, including the emails and numbers of the people who defrauded me, along with the XXXX account logs that originally reached out to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
Beginning on XX/XX/year>, I was approached on social media to become an affiliate marketing member for XXXX XXXX XXXX. I was told that this position is paid via check only, and that I would use funds provided by the cashiers check to cover any costs required for tax, the distribution center, and any shipping costs for the products. I received my first cashiers check on XX/XX/year> in the amount of {$950.00} which I mobile deposited into my US Bank account. It was approved and {$270.00} of that {$950.00} check was made readily available immediately. I then proceeded to pay the company {$270.00} to begin covering costs mentioned above. I repeated this on XX/XX/year> and transferred money in the amounts of {$270.00} after depositing another check for {$950.00}. On XX/XX/year>, the amount of {$1900.00} ( sum of the XXXX {$950.00} cashiers checks ) was taken out of my account and labeled " returned item from a previous deposit. '' This meant that any money I sent then came out of my own personal funds rather than the cashiers checks. Nobody from US Bank notified me that the cashiers checks were found to be counterfeit at this point in time. Since I was unaware of this, I continued to deposit more checks in the same amount {$950.00}, and it was accepted again by US Bank which then made {$270.00} immediately available. On the XXXX, I paid the company in the amounts of {$1000.00}, {$270.00}, {$350.00} from what was supposed to be funds from the cashier checks deposited. Finally, on XX/XX/year>, I was notified that the last cashiers check balance was returned and funds removed from my account. Yet again, I was not notified by any person ( s ) from US Bank that the checks flagged as counterfeit. It wasn't until I called to ask why these funds are " returned item from a previous deposit '', the person from US Bank said they are listed as counterfeit in their system. I then asked why I was not notified of this as soon as the first check was flagged counterfeit. She proceeded to tell me that it is not their job to notify the customer when a check is counterfeit.

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 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX filing this complaint regarding Navy Federal Credit Unions refusal to remove an inaccurately impactful late payment from my credit report under circumstances directly related to my military service. Upon enlisting in the XXXX XXXX XXXXXXXX, I experienced a delayed first paycheck a known and common occurrence for new service members during initial entry into XXXX XXXX. As a result of this pay delay, which was entirely outside of my control, I missed a single payment on my Navy Federal account. This is the only late payment in my entire history with Navy Federal. My payment record before and after this incident has been perfect. I submitted a formal goodwill adjustment request to Navy Federal asking them to remove this late payment in consideration of the military hardship circumstances. They denied this request, citing the Fair Credit Reporting Act and stating they are required to report accurate information. While I understand that obligation, I am requesting that the CFPB review whether Navy Federal is appropriately considering the Servicemembers Civil Relief Act ( SCRA ) protections and the unique financial hardships faced by newly enlisted military members. Navy Federal Credit Union markets itself as an institution dedicated to serving the military community. Refusing to extend even a one-time goodwill adjustment for a single late payment caused directly by military transition is inconsistent with that mission and has caused significant harm to my credit profile as I begin my service career. I am requesting the CFPB investigate this matter and encourage Navy Federal to reconsider and grant the goodwill deletion. Below Ive attached files proving I didnt start receiving pay from service until XXXX although I joined service and arrived in basic training on janurary XXXX Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: DE

Complaint narrative:
On XXXX XXXX I was on XXXX I saw my friend on XXXX post a sad story about his uncle in the XXXX XXXX they selling his estates so they can have the money to help with the XXXX home bills, thats friend on XXXX use to be my work supervisor at the XXXX XXXX I feel so bad and I have full trust on him his name is XXXX XXXX so I have trust in him so he post a vehicle for sale amount of {$5000.00} on the post he said if you want it send a deposit to his auntie thats collecting the deposit once he verified the payment he will hold the car until they done get the uncle situated in the XXXX XXXX. I start message with him on XXXX thinking that was him he said yes I could send a deposit of {$2000.00} to XXXX XXXX Zelle number XXXX so I did what he ask until when I try to call him he didnt respond so I texted XXXX and ask him if he is the one Im messaging on XXXX he respond no his account was hacked try to get my money back its not him, I automatically call my bank to let them know I was hack I did lie to my bank because I saw online the bank will not give you the money back once you told them you send it, so after they investigate they denied my case they didnt return the money, what hurts me the most o work really hard for that money I was going to purchase that vehicle to do XXXX XXXX I have children in XXXX that I send to school and feed everyday the money i sent was going to be an investment so I can get a vehicle to work and make money to help others in need. I only lie to the bank because it was an honest mistake by me putting a lot of trust on my supervisor from my job and I message XXXX from his number XXXX please help me out please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Movement Mortgage LLC
State: SC

Complaint narrative:
In the month of XXXX I was set on a trial payment plan for me to company 3 months on time payments. And I was also told the I had the hole month without fees. To much each payment. So I scheduled the payment on the XXXX of XXXX and notice the money never came out so I called the on the XXXX, XXXX of XXXX speaking to two movement mortgage representative letting them know that the payment was still in the account and you are not paid. They both stated that it was paid and the second representative stated that as well as said that I wouldn't get removed from the program. I called the following day XXXX of XXXX and requested a supervisor and the young stated that the supervisor can reverse it if he listen to the call and I said okay. XX/XX/XXXX I received the call and the supervisor stated that he listen to the call and there was nothing he could do and requested me to send a bank statement. I later found out that it was a breach at my bank and I sent that and the statement showing that I had the funds in my account. But it went unnoticed and unheard. I called a total of 22 times to movement mortgage and then my sister called and she was told that I was denied based on accepting what the representative said about the payment being made. I didn't accept it i wasn't arguing with anyone when I made it clear something was wrong. Today XX/XX/year> I received a email from movement that the payment was returned and they see that on the statement but yet didn't see the bank reversed the XXXX fee because of the error with the bank .. As I was making movement aware but I was told that I didn't request another payment well I was told that I couldn't have to payments if one is processing!!! And on XX/XX/XXXX I made a payment in the amount of XXXX and was told that making the payment don't placed me back in the program. I made attempts to call and speak to someone who would listen and that has been unsuccessful. And having to be told that it takes 3-5 business days for someone to call you back. And today spoke to a manager that was very rude. Everything should've happened but it did

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am sending this letter in response to a letter you sent me. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation. I request that your office provide me with evidence that 1 am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the servicing of my federal student loans previously handled by XXXX and currently by Aidvantage. During my time with XXXX, I was placed into forbearance and was not properly informed of income-driven repayment options that would have been more appropriate for my financial situation. This resulted in unnecessary interest accrual and increased loan balances. Based on recent legal findings and actions against XXXX for similar practices, I believe my account may have been affected by these improper servicing behaviors. I am requesting a full review of my loan history, correction of any errors, and consideration for any applicable relief, forgiveness, or restitution programs. Please provide a detailed response and next steps regarding this matte

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: FL

Complaint narrative:
A letter of collection came from a company saying they are collecting on behalf of XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL with a real case that is for another XXXX XXXX. They must have looked up my name and address, but this case is obviously for another person and the company is impersonating. They show a real court case in the amount of {$530.00} to pay online at XXXX XXXX XXXX and Customer ID : XXXX and phone number ( XXXX ) XXXX. Company who sent the letter on XXXX is Perdue Brandon Fielder Collins & Mott LLP, XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. Threatening a driver 's license suspension for a criminal office. A fraud report has been sent to the Florida Attorney General 's office and an email sent to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX with a copy of collection letter for immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this collection account from Jefferson Capital Systems LLC. The account information being reported is incomplete and inaccurate. Specifically, the account type is not listed, which makes the reporting incomplete under the Fair Credit Reporting Act. Additionally, this account has already been disputed, yet no proper verification has been provided to me demonstrating the validity of this debt. Under FCRA 611, any information that is incomplete or can not be properly verified must be deleted. Please investigate and remove this account from my credit report.

Company response to consumer: Closed with explanation