vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
The account is reporting inaccurate payment history and invalid date information. Specifically, the reported delinquency dates, late-payment dates, and/or status dates are incorrect and do not reflect the actual account history. My payment was never late, and I did not miss any required payment during the time being reported as delinquent. The furnishing of false late-payment information and inaccurate dates is damaging my credit profile and creates a misleading payment history.

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 2026-04-29 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: MA

Complaint narrative:
I am filing this formal complaint against Equifax for failing to ensure the accuracy of information on my credit report and for failing to properly investigate disputes submitted to them, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. XXXX XXXX, XXXX, a debt collector, is reporting XXXX fraudulent and/or inaccurate collection accounts on my Equifax credit report. These accounts are false, misleading, and unverified. XXXX XXXX has never provided adequate validation of these debts as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. By allowing this false information to remain on my report, Equifax is facilitating violations of 15 U.S.C. 1692e, which prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Specifically, 15 U.S.C. 1692e ( 8 ) prohibits debt collectors from communicating credit information which is known or should be known to be false, including the failure to communicate that a disputed debt is disputed. Additionally, 1692e ( 2 ) ( A ) prohibits false representations of the character, amount, or legal status of any debt. XXXX XXXX is violating these provisions, and Equifax is complicit by continuing to report this information despite its obvious inaccuracy. Disputed Accounts : Account ending in XXXX XXXX XXXX XXXX XXXX Alleged Amount Owed : {$840.00} Account ending in XXXX XXXX XXXX XXXX XXXX Alleged Amount Owed : {$420.00} Account ending in XXXX XXXX XXXX XXXX XXXXXXXX Alleged Amount Owed : {$510.00} Account ending in XXXX XXXX XXXX XXXX XXXXXXXX Alleged Amount Owed : {$790.00} XXXX dispute the validity, accuracy, and ownership of all XXXX accounts. I have no knowledge of these debts. These accounts are damaging my creditworthiness, causing me financial harm, and affecting my ability to obtain credit, housing, and employment. I demand that Equifax : Immediately delete all XXXX XXXX XXXX accounts from my credit report Conduct a meaningful investigation as required by 15 U.S.C. 1681i Provide me with the results of the investigation Cease reporting information it can not verify I reserve all rights under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
So on XX/XX/XXXX I opened the XXXX XXXX because I already had an account with them. So I when I opened the app it was forcing me to add my card info so I did moments later I got a notification I was charged XXXX. So I immediately contacted XXXX I told them I didnt authorize this payment they told me they dont do refunds on application fees so I said bet Ill just handle with my bank. So I call the lady walks me through the process. I call chime again next day being the XXXX XXXX like hey what XXXX to my credit on my account they said this is not eligible for provision credit I said under regulation XXXX it does I did not authorize so I requested they find out what service I paid for I need proof I authorized this. So I give it days I come back today now they acting like the info XXXX giving to verify my account is invalid so now XXXX livid cause yall playing with me now. So here I am because my right under the electronic funds transfer act have been violated and this is becoming a trend with banks I just went through a similar situation with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX I made a purchase XXXX XXXX XXXX for personalized Airpords Pro XXXX total of {$260.00} and used my Synchrony Bank XXXX Card. On XX/XX/XXXX XXXX XXXX issued a full refund for my my purchased and sent me a credit memo indicating refund was issue back to my Synchrony XXXX Card. Synchrony Bank charged my credit account on XX/XX/XXXX for the amount of {$260.00}, but they have not apply the refund issued by vendor ( XXXX XXXX ) to my account. I open a claim/dispute with Synchrony Bank and XXXX are refusing to post the refund on my credit account. XXXX sent me a copy of my original invoice and a copy of the credit memo for the same amount and documents were shared with Synchrony Bank, but it has been over XXXX days and my refund has not been applied to my credit card statement.

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 2026-04-29 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: OH

Complaint narrative:
I had multiple transactions declined regardless of the fact that I was making them myself from a digital copy of my card associated with the account. The digital copy requires XXXX verifications before I can even access it on my phone as well as a potential application to type in a verification code from the company. XXXX considering that they declined repetitively my transactions while I was trying to purchase a very expensive gift I had my eyes set on out of town for XXXXXXXX XXXX XXXX I was told when I contacted them afterwards that it is a system Automation and that there's nothing they can do and that I would just have to wait XXXX hours which is ridiculous then somehow they did something I'm not sure what because I wasn't informed that made it so I could do charges again on my card for you know the money that was already there but I couldn't charge the same important charge that I had just tried. Hours later once back in my hometown I went to the gas station to fuel up and my XXXX Dollar charge also was declined for no apparent reason once more through a different customer support route while talking with a representative I was informed that there's nothing I can do anymore or that they can do because somehow magically no one has any access to the the system that runs all of the money of the consumers using XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: AP

Complaint narrative:
I am filing this complaint against JPMorgan Chase regarding a credit card application denial for the Chase Sapphire Reserve ( submitted XX/XX/XXXX ). The application was denied based on an " internal flag '' related to a XXXX charge-off on an old XXXX credit card account. I have since successfully disputed this item with XXXX, and it has been completely removed from my credit report. I have provided Chase 's XXXX XXXX with official documentation from XXXX ( Case XXXX XXXX XXXXXXXX, finalized XX/XX/XXXX ) confirming that this account no longer exists on my credit file. Despite providing this proof, Chase continues to cite the XXXX event as the reason for denial, effectively penalizing me based on inaccurate and outdated internal records that do not reflect my current creditworthiness. The representative at the XXXX XXXX has been unable or unwilling to update my internal profile to reflect the verified correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am resubmitting this complaint regarding a {$1000.00} charge from XXXX XXXX XXXX on XX/XX/year>. I initially visited for a {$60.00} advertised facial but was subjected to high-pressure sales tactics and charged for a significantly larger package. I attempted to cancel shortly after, but the merchant refused a refund. I filed a dispute with Cash App on XX/XX/year>. The dispute has now remained unresolved for over 60 days. In response to my previous complaint, the company stated they could not verify my identity and advised me to contact support. I have since verified my identity, added my phone number, and contacted support multiple times. I was informed that no additional information was needed and that I had already submitted sufficient documentation. Despite this, I have received no meaningful update or resolution. My case was escalated internally, but I have only received generic or unrelated responses, including a message about a CFPB-related settlement that did not address my dispute. As of XX/XX/year>, my dispute remains open and unresolved with no clear decision or timeline provided. I am requesting a full refund of {$1000.00} and a formal resolution of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
After several attempts by mail to obtain a validation, pursuant 15 U.S.C. S 1692g ( b ) of the Fair Debt Collection Practices Act ( AFCPA ), I have received no response or Legal Validation of the Alleged Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: UT

Complaint narrative:
I refinanced XX/XX/year> near the time when property taxes were due The title company associated with the refinance was supposed to pay my property taxes In XXXX I checked if the taxes were paid and found they hadnt been. I ( errantly ) reached out to Lakeview to have them pay the taxes After they ( allegedly ) made the payment, I learned that the title company was responsible for those taxes, so I reached out to them as well. I learned the title company had paid the taxes but there was a posting error with their payment I reached out to the county, and they were able to correct the payment sent by the title company and the taxes were paid in full. After learning that their payment went through, I requested Lakeview get a refund back in my escrow account. This is where we are now. I have been reaching out to Lakeview weekly for updates and they keep telling me that it'll get resolved but it's been almost 5 months now with no progress

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 2026-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
I submitted a Qualified Written Request ( QWR ) to LoanCare requesting all documents, records, and information related to the mortgage account being reported, including the complete loan file, original note, deed of trust or mortgage, payment history, servicing transfer records, escrow history, default and foreclosure records, correspondence logs, account ownership information, and all documents relied upon for reporting to the consumer reporting agencies. Because this account is disputed and associated with identity theft, I also requested records showing how my identity was verified and the basis for attributing this debt to me. To date, I have not received a complete and adequate response. The failure to provide requested records while continuing to report derogatory mortgage and foreclosure information is harmful and prevents me from fully disputing inaccurate information.

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 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Nelnet related to federal student loans they serviced. I was approved for a Total and Permanent Disability ( TPD ) discharge by the U.S. Department of Education, effective XX/XX/XXXX. This discharge canceled my obligation to repay the loans as of that date. In addition, I was enrolled in the U.S. Army Student Loan Repayment Program ( SLRP ) beginning in XX/XX/XXXX. Under this program, my loans were subject to repayment through military service obligations, and any servicing issues related to payment timing should have been handled administratively rather than reported as borrower delinquency. Despite this, Nelnet reported two 90+ day delinquencies for XXXX 2025several months after the effective discharge date. This reporting is inaccurate because no payment obligation existed at that time. Since XX/XX/XXXX, I have made repeated efforts to resolve this issue directly with Nelnet. There is a documented chain of communications showing that I have consistently disputed the accuracy of this reporting and provided supporting documentation. I submitted documentation to Nelnet, including my TPD discharge approval and SLRP documentation. Nelnet acknowledged receipt of this documentation. I then filed a formal dispute regarding the inaccurate reporting. Nelnet responded by verifying the delinquency as accurate. On or about today, I was informed by Nelnet that they are unwilling to provide further assistance because the loan has since been transferred to XXXX XXXX XXXX XXXX ( XXXX ). However, the delinquency occurred in XX/XX/XXXX, when Nelnet was the active servicer and the entity responsible for furnishing this information to the credit bureaus. Nelnet is refusing to investigate or correct information that it originally furnished, despite being provided documentation showing that the loan obligation had already been discharged prior to the reported delinquency and that the loans were also subject to SLRP obligations. This constitutes inaccurate credit reporting and failure to conduct a reasonable investigation after a dispute. I am requesting that the inaccurate XX/XX/XXXX delinquency marks be removed from my credit reports and that Nelnet correct any inaccurate information it has furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
I received a payment from social security and it was XX/XX/year> at XXXX cashapp said they never received it but there is proof they did it never popped up in my account ethier.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding the handling of a deposited check, subsequent account closure, and failure to provide a reasonable path to resolve a resulting negative balance. Summary of Events : I deposited a check from my brother in the amount of {$48000.00} into my Wells Fargo account. The check was later determined to have been written from the wrong bank account in error. The funds were initially marked as available/cleared, and I was able to transfer the funds to my brokerage account at XXXX XXXX XXXX After the transfer, Wells Fargo reversed the deposit, causing my account to become negative. Wells Fargo then locked and subsequently closed my account. When I contacted Wells Fargo, I was told the situation was my fault for not ensuring funds were available, despite the bank making the funds available and permitting the transfer. I was instructed by Wells Fargo representatives to have my brother make the funds available and call in as the maker of the check. My brother did so, but this did not resolve the issue. I was further told that incoming funds ( including a return of the transferred funds from XXXX ) may be blocked due to the account being closed. Wells Fargo representatives stated that the negative balance may be sent to overdraft collections, while failing to provide clear or consistent instructions on how to repay or resolve the balance. Issues : Wells Fargo made funds available and allowed a transfer, then reversed the deposit without providing a clear explanation beyond stating the check was returned. Wells Fargo representatives provided inconsistent and contradictory information regarding whether repayment would be accepted. I followed Wells Fargos instructions to have the check issuer make funds available and contact the bank, but no resolution was provided. I have attempted in good faith to return the transferred funds to resolve the negative balance, but have not been given a clear or viable method to do so. Wells Fargo indicated the balance may be sent to collections despite my active efforts to resolve it. The account closure and overall handling of this situation appear unreasonable given the sequence of events and lack of clear guidance. I am attempting in good faith to resolve this matter and return the funds. However, Wells Fargos actions and lack of clear guidance have made it difficult to do so. Supporting documentation available upon request :

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Im requesting a review of a deferred interest charge of approximately {$5000.00} on my Best BuyXXXXXXXX account. I misunderstood the promotional terms and missed the payoff deadline in XX/XX/year>, but I had been actively making payments and did not intentionally carry a balance to incur interest.This charge is extremely large relative to the remaining balance ( ~ {$6000.00} ) and was unexpected. I contacted customer service and even offered to pay the balance immediately in exchange for a reduction or waiver, but was denied. Im requesting a goodwill adjustment or partial reduction of the deferred interest as a one-time exception. I know they can do something to help with this! Additionally, I was under the impression that this promotion was for 24 months, not 18 months.

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 2026-04-29 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: IL

Complaint narrative:
I am writing to formally dispute this account, as I do not recognize it and have no record of ever opening, authorizing, or being associated with it in any way. After reviewing my records, I believe this account has been inaccurately reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of disputed information. Additionally, Section 607 ( 15 U.S.C. 1681e ( b ) ) requires that all reported information be accurate and verifiable. Furthermore, under Section 623 ( 15 U.S.C. 1681s-2 ), furnishers have a duty to provide accurate information and to properly investigate disputes. At this time, this account does not meet the required standards of accuracy and verification. I respectfully request that you conduct a thorough investigation and verify this account with the original creditor. If it can not be properly validated as mine, it must be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief