vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of domestic abuse and financial exploitation. I disputed fraudulent charges incurred under severe duress ( coerced debt ). Discover Bank rejected my claim using a technical loophole regarding Illinois State statutory definitions. However, I possess a final, judge-signed XXXX Plenary Order of Protection confirming the abuse, along with an official FTC Identity Theft Report . Discovers fraud department refuses to conduct a meaningful review of this court-ordered evidence under Federal FCRA guidelines , continuing to hold me liable for a depth that I was forced to incur. The only thing that I received was a XXXX line letter stating that my claim does not meet any of the provisions found underneath my state laws. I was told that this only applies to people that live like in XX/XX/XXXX or XX/XX/XXXX. And if I lived in XXXX of those States it would be a different story. There was not even anything included with the XXXX page letter with any explanation or prove as to why my claim was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
I contacted chime and they told me that the money that I want from a dispute in XXXX was not available in my account after three Representatives the first representative confirmed the {$490.00} was in my account from a dispute the other two completely lied to me they told me that there was no money in the account and that there was a check issue if there was a check issue then there would be no money showing in the account right I never received a check and the funds were placed in my account in XXXX of 2023 {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The FTC advised me that credit card company, CapitalOne, is required to comply with federal law and for me to contact and report to the CFPB for assistance. I requested card company to reverse and chargeback {$88.00} for product/service never provided and received by me from a merchant. The card company failed to comply with the regulations. The Truth in Lending and Fair Credit Reporting Act are laws that provide against this type of fraud and bad business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: CA

Complaint narrative:
I am submitting this complaint regarding MOHELA 's failure to process my Income-Driven Repayment ( IDR ) recertification/application in a timely manner. I submitted an IDR recertification/application in approximately XX/XX/XXXX in an effort to have my monthly student loan payment recalculated based on my current financial circumstances. As of XX/XX/XXXX, I have not received a resolution, approval, denial, or meaningful update regarding the status of my application. During this period, I have continued to be billed approximately $ XXXX per month. This payment amount is causing significant financial hardship for my family. I am employed full-time by a qualifying Public Service Loan Forgiveness ( PSLF ) employer and am actively pursuing PSLF. My goal is to remain in compliance with my repayment obligations while making affordable payments under the federal IDR program. Since submitting my application, my financial circumstances have changed substantially. I have experienced periods of reduced income related to family leave and have dependent children. These circumstances are precisely why I requested a recalculation of my payment amount. However, despite waiting for many months, my account continues to reflect a payment amount that may be based on outdated financial information. I have made every effort to remain compliant with my federal student loan obligations and am simply requesting that my IDR application be processed fairly and within a reasonable timeframe. I appreciate your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
I attempted to make my mortgage payment online through my account, as I have done previously. However, the system blocked me from making a payment and instructed me to contact customer service before any payment could be made. This creates an unreasonable barrier to payment and causes unnecessary harm to borrowers who are actively attempting to meet their payment obligations. My concerns are : 1. Customer service is not available 24/7, and their operating hours often conflict with my work schedule, making it difficult to obtain assistance. 2. I have an active online account and should be able to make or schedule payments through the servicing platform without being forced to speak with a representative. The servicer provided no explanation as to why my online payment access was restricted. 3. Preventing or delaying a borrower from making a payment increases delinquency, interest, fees, and the risk of additional collection or foreclosure activity. Restricting access to payment options harms consumers who are attempting to reduce or cure their delinquency. 4. I am concerned that this practice discourages or delays payments and creates obstacles for borrowers who are trying to bring their accounts current. I am requesting that the CFPB investigate why the servicer is preventing online payments and whether this practice complies with mortgage servicing requirements and consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a formal complaint against Navy Federal Credit Union for severe timeline violations under Regulation E ( 12 CFR 1005.11 ), bad faith investigation practices, and the subsequent unlawful seizure of my incoming deposited funds. On XX/XX/year>, Navy Federal Credit Union denied a debit card fraud claim [ Incident : XXXX ] regarding unauthorized charges totaling {$1800.00} on my debit card ending in XXXX. They immediately revoked my provisional credit, throwing my account into a massive negative balance. Following their formal procedures, I submitted comprehensive answers for a second review appeal on XX/XX/year>, clearly demonstrating that the transactions were unauthorized, outside my normal spending habits, and that I do not even own the device types utilized for the fraudulent transactions. On XX/XX/year>, the credit union responded via secure message stating they had " no specific timeframe '' to handle my appeal, and that they relied on " proprietary system data '' regarding a trusted device to deny the initial claim. When I formally requested copies of the documentation, IP addresses, and geolocation logs they relied upon under 12 CFR 1005.11 ( d ) ( 2 ), they explicitly refused to provide them. On XX/XX/year>, they locked and closed the communication thread completely. It has now been more than 12 business days since my appeal was submitted, and the credit union refuses to provide updates or clear timelines. Furthermore, because they forced my account into an artificial negative status by pulling back the provisional credits, they have seized 100 % of my subsequently deposited checks to cover the negative balance. I have been left for nearly three weeks with zero access to my own hard-earned money, causing extreme and catastrophic financial hardship for my family. Navy Federal is violating federal consumer protection laws by : Refusing to adhere to statutory standard investigation timelines for an appeal. Formally refusing to provide the consumer with the documents, data, or evidence relied upon to deny a Regulation E claim. Seizing deposited consumer income to satisfy an overdraft they generated via an unverified clawback. I demand that Navy Federal Credit Union immediately reinstate my {$1800.00}, reverse all predatory overdraft and NSF fees associated with this investigation, and reinstate the checks that were deposited in my account, and provide the tracking data they claim to possess.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Two accounts {$300.00} & XXXX Credit collection services I have no idea what this is. I can get an answer from credit collection services. They need to forward to me contacts or proof through CFPB to validate this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo Bank regarding improper and excessive retroactive interest charges applied to my credit card account ending in XXXX. I entered into two promotional financing agreements totaling {$25000.00} under No Interest if Paid in Full within 15 Months. After the promotional period expired on XX/XX/year>, Wells Fargo applied thousands of dollars in deferred interest at approximately 28.99 % APR, significantly increasing my balance through retroactive charges. 1. Inadequate and Unclear Disclosure Wells Fargo claims that notifications would have been sent and that a notice appeared on a statement prior to expiration. However, I did not receive any clear, conspicuous, or effective communication warning me that : The promotional period was about to expire, AND Failure to pay in full would result in substantial retroactive interest Given the magnitude of these charges, passive or unclear notification is insufficient and fails basic consumer protection standards. 2. Excessive and Retroactive Interest After the promotional expiration, Wells Fargo added a substantial amount of deferred interest to my balance at nearly 29 % APR. These charges were applied retroactively to the original purchase amounts, creating a sudden and severe financial burden. 3. Unfair Resolution Offer Wells Fargo acknowledged the issue partially by offering to waive some of the interest. However, this offer : Requires a large lump-sum payment of {$15000.00} Only provides partial relief while still holding me responsible for a significant portion of the disputed charges This is not a reasonable or fair resolution given their failure to properly disclose the terms.

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 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and dishonest/disputed information being reported on my report and or can not be properly verified. I am requesting a investigation and under the fair credit reporting act ( FRCA ) furnishers of information of a duty to provide accurate information to conduct a reasonable investigation.I believe the company has failed to meet these obligation. Im requesting that the company provide competent evidence of it has the legal right to furnish this information, including supporting the accuracy and completeness of the account being reported if it can not verify the account the information in accordance with federal law, I am requesting that account be removed from my consumer reports. These are some of the companies that are violating the frca and are illegally furnishing my data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IA

Complaint narrative:
I am submitting a complaint regarding Chimes handling of deposits and its XXXX feature. My account recently began automatically applying deposited funds to a negative XXXX balance before I am able to access the money. This has caused financial hardship because I rely on deposited funds to pay bills and other expenses.I contacted Chime to ask why my account was behaving differently and when this change began on my specific account. I also asked whether I had been notified. Chime provided general information about a policy change but did not provide a clear explanation of my account history or why my account appeared to start functioning differently only recently. My concern is that I was not given sufficient information regarding how deposited funds would be handled and I am unable to access deposited money in the way I reasonably expected based on my prior experience with the account. I am requesting that Chime review my account, provide a clear explanation of the changes that affected my account, and explain what notice was provided to me regarding those changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year> I made a purchase with XXXX XXXX XXXX in the amount of {$120.00} for a collectible card that I never received. The first order was held up in customers and then eventually returned to sender. They shipped another order that was also returned to sender. The delivery company, XXXX, claimed my address was incorrect but it wasnt. I am unsure why they never attempted to deliver the package. Regardless, I filed a chargeback with Capital One and sent them all of this information at least a dozen times. Despite this, they have consistently declined my chargebacks claiming that I am responsible for the charge. When I send the requested information in, they claim they never received it despite it clearly being uploaded onto their website. I have uploaded all of this same information to this complaint. This is for card ending in XXXX and complaint XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
In XX/XX/year>, an unsolicited door-to-door salesperson from XXXX XXXX ( XXXX XXXX XXXX XXXX CA ) came to my home and promoted a XXXX XXXX ' XXXX XXXX product, claiming it would reduce my energy bills by approximately 30 %. Based on these representations I was enrolled that same day in a GoodLeap LLC installment loan for {$17000.00} at 12.99 % APR over 15 years totaling over {$41000.00} in payments. The full loan amount was paid directly to XXXX XXXX by GoodLeap before I could evaluate whether the product performed as promised. The salesperson also claimed the product came with approximately a 10-year warranty, however I never received any warranty documentation. After approximately 2 years of payments totaling roughly {$5500.00}, my energy bills have not decreased by 30 % or by any measurable amount. The product did not perform as advertised. My remaining loan balance is still {$17000.00} meaning nearly all of my payments went to interest rather than principal. I believe GoodLeap funded this loan based on deceptive sales claims made by their contractor partner XXXX XXXX, and that GoodLeap bears responsibility for the predatory nature of this financing arrangement. I am requesting the CFPB investigate GoodLeap LLC 's relationship with XXXX XXXX and their practice of funding high-interest loans based on deceptive door-to-door sales tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
One of the most frustrating aspects of this situation involved my attempts to report the account takeover as it was happening. I specifically contacted XXXX after discovering that my former partner had changed my account information. I was crying on the phone and explained that I was a victim of XXXX XXXX and financial abuse and that someone had taken over my account by changing the email address, password, and other account details. However, because my former partner had already changed the account information, I was unable to verify the new email addresses, passwords, and recovery information he had placed on the account. Instead of helping me regain access or thoroughly investigating the account takeover, I felt I was left without meaningful assistance. Meanwhile, my former partner openly laughed about what he had done and continued to control my finances while I was locked out of my own accounts. As a result, I lost substantial amounts of money and suffered significant financial hardship during this period. The emotional impact was severe because I was actively trying to stop the abuse and protect my accounts but was unable to obtain effective assistance. I also reported the financial abuse and fraudulent activity to U.S. Bank after I was finally safe and able to speak openly about what had happened. I provided details regarding the coercion, account access, unauthorized transactions, and financial control I had experienced. Despite understanding the circumstances surrounding the abuse, I felt that responsibility was often placed on me rather than on the individual who had taken over my accounts and exploited me. I am now dealing with ongoing financial consequences, including negative banking history and issues reported through XXXX, despite being a victim of abuse, fraud, and account takeover. I am requesting that these institutions review all records relating to account changes, email changes, password changes, device access, login history, disputes, fraud investigations, and communications I made reporting the abuse. These records should demonstrate that I attempted to report the unauthorized access and seek help while the abuse was occurring.

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 2026-06-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and improper collection activity related to an alleged private student loan associated with XXXX and financed through XXXX XXXX. On XX/XX/XXXX, at XXXX XXXX, I sent written notice canceling this contract/loan effective immediately. My email stated : Hi XXXX, My business partner has encountered an unforeseen situation ; therefore, I must cancel this contract/loan effective today. Please let me know immediately if you have any questions or require further information. Thank you for your understanding. Because I canceled in writing on XX/XX/XXXX, no valid loan obligation should have been finalized, funded, serviced, collected, or reported. I did not continue with the program and did not make any payments to XXXX XXXX. I recently reviewed my credit report and discovered inaccurate information being reported by XXXX XXXX. The account is showing : payment history indicating I made payments in XXXX, XXXX, and XXXX XXXX 43 % of payments made on time account status reflecting charge-off This information is false and inaccurate. I did not make these payments, did not authorize reporting of payment history, and dispute the reporting of any charge-off. These entries are misleading and harmful because they create the false impression that I entered repayment, made payments on the account, and later defaulted. In addition, the account was referred to National Enterprise Systems for collection. I received a collection letter dated XX/XX/XXXX and have also received repeated collection calls regarding this alleged debt, including after disputing the account. I dispute this debt in full. I am requesting : 1. Immediate deletion of the XXXX XXXX tradeline from XXXX and XXXX. 2. Immediate removal of all false payment history reported for XXXX, XXXX, and XX/XX/XXXX. 3. Immediate removal of the false charge-off reporting. 4. Immediate stop to all collection activity by National Enterprise Systems. 5. Written confirmation that no debt is owed and that this account will not be reported, reassigned, or sold. If XXXX XXXX claims otherwise, they should provide complete documentary proof showing a valid legal obligation existed after my written cancellation and proof that I personally made the reported payments. If they can not provide that proof, the account and all related reporting should be permanently deleted 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