vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
I am disputing a {$110.00} debt being collected by IQ Data International related to a move-out cleaning charge. On XX/XX/year>, I was charged {$230.00} for a Unit Turnover Clean following move-out. The third-party vendor invoice provided contains a single line item for Unit Turnover Clean {$230.00} with no itemization or breakdown of tasks. This amount exactly matches an optional move-out cleaning service that had been offered prior to move-out, indicating that the charge reflects a standardized turnover cost rather than actual costs attributable to the condition of the unit. The move-out statement further shows that when actual damage existed, it was separately identified and charged, including flooring repairs and drywall patching totaling over {$100.00}. In contrast, the {$230.00} cleaning charge was listed independently as a flat fee, with no linkage to those damages. This demonstrates that the cleaning charge is not attributable to tenant-caused conditions. I immediately disputed the cleaning charge and requested itemized documentation showing actual costs incurred beyond normal use. The only documentation initially provided was the flat vendor invoice and general photos. I also provided a video showing the condition of the unit at move-out and explained that it was left in a condition consistent with normal use after a two-year tenancy. I repeatedly requested itemized invoices or receipts showing the specific work performed and how the amount was calculated. No such documentation was provided. Instead, management stated that the cleaning took approximately a day and a half, without providing any vendor documentation or cost breakdown linking that time to the amount charged. There were also significant delays in responses from management, including approximately 15 days for an initial response and 11 days for a subsequent follow-up. During this time, I was actively attempting to resolve the issue and obtain proper documentation. The charge was later reduced to {$110.00}, but no additional supporting documentation was provided. I attempted to resolve the matter in good faith ; however, my efforts were declined. After the initial charge, management provided a supplemental breakdown of cleaning charges. This document does not correspond to the vendor invoice and does not reflect any billed line items, indicating that it is an internal allocation created after the fact rather than documentation of actual costs incurred. The photos provided by management do not demonstrate conditions requiring a full-unit turnover clean or otherwise justify the amount charged. Despite the charge remaining disputed and unsupported by itemized documentation, the account was referred to collections. This dispute is limited to the cleaning charge. I paid all other move-out charges that were properly supported, including charges related to floor and wall damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I was informed by a Freedom Mortgage representative that the company offers a meet or beat pricing policy. I was asked to provide a competing Loan Estimate, which I promptly submitted from another lender with more favorable terms. The representatives written communication indicated that Freedom Mortgage would attempt to match or provide better terms based on the competing Loan Estimate. After submitting the documentation, Freedom Mortgage declined to match or beat the competing offer. No clear or specific explanation was provided regarding why the loan did not qualify for the advertised policy or what criteria were used in the decision. I believe the representation of a meet or beat policy was misleading in practice because : * It suggested a meaningful pricing comparison would occur * No transparent criteria were provided for eligibility * The policy was not applied after reliance on the representation.

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 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
My federal student loans, including a XXXX loan, were discharged in XXXX under the XXXX XXXX XXXX XXXXXXXX ( XXXX ) discharge program. I have documentation confirming this. From XXXX until XXXX, I was never bothered with any request for payment because my loans were all discharged due to XXXX. Then, oddly, in XXXX, someone decided my loans were not discharged. In XXXX, Nelnet began reporting that my XXXX loan is delinquent and has been attempted collection. I have repeatedly submitted proof of discharge to both Nelnet and the U.S. Department of Education. Despite multiple complaints to the XXXX XXXX XXXX Ombudsman Group, I continue to be referred back and forth between Nelnet and the Department of Education without resolution. This is an ongoing servicing and reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX, while shopping at Best Buy, the store employee told me the My Best Buy Credit Card offered 2 years interest-free and that interest would only start after the 24-month promotional period. I clearly understood that I could make minimum monthly payments during those 2 years, and that only after 24 months would interest begin to be charged on whatever balance remained at that time. I was never told either verbally or in writing that if I didnt pay the full amount by the end of the 24 months, Citibank would retroactively charge interest all the way back to the original XXXX purchase date.I made consistent good-faith payments and successfully reduced the original promotional balance of approximately {$4600.00} down to around {$900.00} by the end of XXXX. However, in XX/XX/XXXX, Citibank suddenly added {$1700.00} in deferred ( retroactive ) interest dating back to XXXX. This came as a complete surprise.I lived in XXXX from XXXX until XX/XX/XXXX. Although I could sometimes access the account earlier, starting from XX/XX/XXXX, due to frequent VPN instability and technical problems, I was completely unable to update the Best Buy/Citibank app or make payments online. This created major barriers that prevented me from managing the account during the critical period when the deferred interest was applied.Had I been properly informed of this retroactive interest condition, I would have made different payment decisions and ensured the balance was fully paid before the promotional period ended. I have already contacted Citibank by phone to request a waiver of this deferred interest, explaining the misleading promotion and my situation abroad, but they refused to remove or reduce the charge.I am currently facing financial hardship, and this large unexpected interest has placed a heavy burden on me. I respectfully request that the {$1700.00} deferred interest be fully waived or significantly reduced, and that my account be recalculated fairly.I have attached my recent payment history, the XX/XX/XXXX account activity showing the {$1700.00} interest charge, redacted copies of my passport entry/exit stamps ( confirming I was in XXXX until XX/XX/XXXX ), and autopay records.

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 2026-04-23 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:
Complaint : I am filing this complaint regarding Cash Apps failure to properly handle and respond to a dispute I submitted on XX/XX/year>. At the time I filed the dispute, I was informed that the review process would take approximately 10 business days. That timeframe has now passed with no resolution and no meaningful communication. I have not received any substantive updates, status notifications, or confirmation that my dispute is being actively reviewed. I have made multiple attempts to follow up through Cash Apps support channels, but responses have either been generic or nonexistent. Cash App has not provided a clear explanation for the delay, nor have they offered a revised timeline for resolution. This lack of transparency and failure to adhere to their stated timeframe is unacceptable. As a financial services provider, Cash App has an obligation to handle disputes in a timely, transparent, and fair manner. The absence of communication and accountability raises serious concerns about their dispute resolution practices and customer support standards. Requested Resolution : * Immediate review and resolution of my dispute * A clear and detailed status update on my case * Written explanation for the delay beyond the stated 10 business day timeframe * Confirmation of steps being taken to ensure timely handling of disputes going forward I expect prompt attention to this matter and a resolution without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint against Navy federal Credit Union, I have been dealing with a fraudulent case since XXXX of XXXX. I went to an esthetician who claimed to have a medical license to perform injections and I later found out she was not qualified and had a criminal background. I filed a police report and submitted all evidence to my bank. In XX/XX/year> XXXX XXXX XXXX was arrested for Unlicensed Practice of a health care profession, Scheme to defraud and Battery. My bank denied me even though i provided all evidence and there is a police report/arrest. They have recently denied another dispute and it has been an on going headache. I have disputed a total amount of {$800.00} which the scammer refused to refund me and my bank denied my claims. I want the bank to do whats right and protect their consumer, its 's been months and they have not properly investigated this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: NC

Complaint narrative:
I am submitting this complaint regarding a Bank of America credit card account that is being inaccurately reported as a charge-off on my credit report. This issue dates back to approximately XXXX, when we first attempted to address discrepancies related to this account. Since that time, we have made multiple attempts to resolve the matter directly with Bank of America, but the issue has remained unresolved. In XX/XX/XXXX, while preparing for loan underwriting, I reviewed my credit report and confirmed that the account continues to be reported with multiple material inaccuracies, including : Incorrect name ( wrong middle initial ) Incorrect address ( XXXX address where I have never resided ) Mismatched personal identifying information suggesting improper attribution of the account We contacted Bank of America again in XX/XX/XXXX and spent several hours on the phone with multiple departments, including customer service and recovery. During this process : A manager acknowledged that there were inaccuracies associated with the account We were transferred repeatedly without resolution A Recovery Department manager refused to submit a dispute We were provided incorrect contact information for a supposed fraud department Despite our repeated efforts, Bank of America has failed to properly investigate or correct the inaccurate reporting. We also formally requested an investigation into the accounts accuracy and proper attribution, which has not been adequately addressed. Due to these ongoing issues, we have filed a report with the Federal Trade Commission documenting this as a mixed or inaccurate credit file issue. I am not acknowledging this account as accurately reported and am requesting that Bank of America : Conduct a full and proper investigation into the accounts accuracy and attribution Correct or delete any inaccurate information from my credit report Provide written confirmation of the results of their investigation Explain how this account was reported with incorrect identifying information This matter is time-sensitive, as the inaccurate reporting is negatively impacting a pending loan underwriting process and causing financial harm.

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 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am formally disputing three accounts currently reported on my credit file by Portfolio Recovery Associates , LLC ( PRA ). These accounts are unverified, inaccurate, and unlawfully reported. Detailed Timeline of Events * XX/XX/XXXX : I submitted a formal written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). * XX/XX/XXXX : PRA acknowledged receipt of my dispute. * XX/XX/XXXX : I submitted a follow-up request for validation. * XX/XX/XXXX : PRA responded stating : * The account was being handled by their Disputes Department * They were unable to assist further * I was instructed to contact another department * No validation documentation was provided During this timeframe, PRA also confirmed that multiple accounts were in dispute. * XX/XX/XXXX : I issued a formal written demand for validation and removal of credit reporting. No response was received. * XX/XX/XXXX : I sent a final notice reiterating : * Their failure to validate * Their continued reporting as unlawful * A demand for deletion and cessation of collection activity No response was received. Current Status ( as of XX/XX/XXXX ) * 425 days have passed since PRA acknowledged my dispute * PRA has never provided lawful debt validation * PRA has failed to respond to multiple written communications * PRA continues to report three accounts to the credit bureaus * PRA has taken no corrective action despite repeated notice Failure to Validate PRA has not provided documentation sufficient to establish that I owe the alleged debts. Specifically, they have failed to provide : * A signed agreement or contract * Any personal identifiers linking me to the accounts * A complete accounting of the alleged balances * Proof of legal ownership or authority to collect Their only response was to redirect me to another department, which does not satisfy their legal obligations. Legal Violations Portfolio Recovery Associates is in violation of : * 15 U.S.C. 1692g ( b ) ( FDCPA ) Requires debt collectors to cease all collection activity, including credit reporting, until the debt is validated. * 15 U.S.C. 1681s-2 ( FCRA ) Prohibits furnishing information to credit bureaus that is inaccurate or unverifiable. PRA has : * Continued reporting for over 14 months without validation * Ignored multiple written notices * Failed to conduct or provide evidence of a reasonable investigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I misplaced my phone and later after hours of searching I phone it and discovered that an unauthorized individual had accessed it and initiated multiple transactions from my Chase account. I initially believed my phone was in my car, as I typically leave it there while at work. But my car wasnt locked. The unauthorized transactions were made to XXXX XXXX, XXXX, and XXXX accounts, totaling approximately {$2000.00} or more. I contacted a Chase representative shortly after discovering the issue and was informed that I would receive a temporary credit. However, when I followed up a few days later, I was told that my claim had been denied. I am seeking clarification as to why I was initially assured that a temporary credit would be issued if the claim was ultimately going to be denied. Additionally, I have now been asked to provide proof of the lost funds, and I would appreciate clear guidance on what specific documentation is required to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited {$5100.00} in cash ( 51 bills of {$100.00} each ) at a Bank of America ATM between approximately XXXX XXXX and XXXX XXXX. After completing all the required steps, the ATM displayed a confirmation message indicating that the deposit was successful. However, by that evening, the funds had still not been credited to my account. Later that night, I called Bank of Americas ATM support line. I was informed that the investigation process could take up to 45 days, and that provisional credit might take up to 10 days. This timeline is unacceptable to me. I am a student, and this amount represents at least two to three months of my living expenses.This situation is causing me severe XXXX. I already suffer from a XXXX XXXX XXXX and this has had a significant negative impact on both my academic performance and my daily life.. I do not have alternative financial resources to cover my bills during this period. This issue was not caused by any mistake on my partthe problem occurred with Bank of Americas own ATM machine. Therefore, the responsibility should not fall on the customer. I respectfully request that Bank of America expedite the investigation by reviewing ATM logs and surveillance footage as soon as possible, and resolve this issue promptly.

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 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
This account and payment plan resulted from a scam and fraudulent inducement. I was trying to learn an online buisness to make money from an online company they said they were goi by to fly me with trading and that I would need to take a personal loan to repay it like a monthly plan and didnt realize they were getting me to pull out alone potentially affecting my credit. I was misled into entering or accepting a payment arrangement that was fake and not what it was represented to be. Because the transaction was procured through deception and coercive circumstances, I did not provide valid, knowing, and voluntary authorization for this debt as a legitimate credit obligation. I dispute the accuracy and completeness of any reporting of this account to XXXX XXXX XXXX XXXX. Reporting this debt as a valid consumer credit obligation is inaccurate and misleading because the underlying transaction was fraudulent. I tried to reach out to discuss a refund or to the dispute they are not responsive and I completed all steps of training and they ignored me. I want to get this off my credit report and Im reporting as coerced debt which in the State of Connecticut Im protected. I also received a letter that my identity was robbed with my social and DOB. I really need this removed I attached supporting documents. Im in a hard situation and need my credit fixed to be get back on track

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I took out a {$27000.00} loan advertised as interest-free if paid in full by XX/XX/year>. I made 18 successful payments totaling {$23000.00} via phone using the same checking account. On XX/XX/XXXX, XXXXnearly two months before the deadlineI attempted the final payment of {$3000.00} using the same account and method. This was the only payment that encountered any issue. I was not notified by phone or email that the payment failed until XX/XX/year>, well after the promotional period expired. The company claims a letter was sent ; however, I did not receive any timely or effective notice. Notably, they have had no issue contacting me by phone and email regarding the {$4200.00} in interest they now claim is owed. I was told the payment failed because my account could not be located, which is inconsistent with 18 prior successful payments from the same account. I was also told a call review would verify the account information, but I was never provided any specific findingsonly a vague statement that the representative read the number back, which does not address or resolve the discrepancy. I have documentation confirming prior successful payments and that sufficient funds were available on XX/XX/year>. Once I became aware of the issue, I paid the remaining principal balance. I have also provided supporting documentation, including payment confirmation emails, account records, and communication history, which demonstrate consistent prior payments, confirmation of the attempted payoff, and a lack of timely notification following the failed transaction. My experience appears consistent with broader consumer concerns related to payment processing and communication. The combination of a failed payment following a long history of successful transactions, lack of timely notification, and limited transparency in the review process raises concern that this may not be an isolated incident. Requested resolution : Removal of all interest and related fees, correction of my account to reflect a good-faith payoff attempt within the promotional period, and correction of any inaccurate or adverse information furnished to credit reporting agencies related to this issue, if applicable.

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