vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: MO

Complaint narrative:
XXXX XXXX keeps calling me saying i owe a bill they keep hitting my credit for a sprint bill that they bought and XXXX went out of business in XXXX they keep saying its from XXXX or XXXX they keep reporting the date they bought the debt sold it bought it back again it keeps ending up on credit with wrong info please help also tmoble has done this samething expect they just are reporting wrong info and date but are from same company it was opened in XXXX that account XXXX has both accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CT

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting related to an account reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC ). The information being reported about this account appears inconsistent across the major credit bureaus. For example, the high balance reported differs between credit bureaus while the current balance remains the same. These inconsistencies raise concerns regarding the accuracy of the information being furnished. I previously requested validation of this account and documentation verifying the accuracy of the information being reported. However, I have not received sufficient documentation confirming the accuracy of the reported data. Under the Fair Credit Reporting Act, furnishers must report information with maximum possible accuracy.

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 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
I have attempted to pay for my car bill through Volvo Financial Services online portal, I have also attempted to pay over the phone. Both have given me an error message. I have used different debit cards, both XXXX and XXXX XXXX and neither work, despite having money in all of my accounts. Without notice, XXXX reports me to the Credit Bureau as late on my payments even though they will not take my money. It's been an ongoing problem. They towed my vehicle. I paid my debts with no issue. Now the issue is happening again and it feels intentionally malicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV FUNDING is threatening to garnish my wages on an account that has been deleted from my XXXX credit report. When deleted it said I owed {$2000.00} but LVNV FUNDING is trying to sue me for {$3200.00}. They didn't serve me a summons. The address they say they served me at doesn't exist. The address says I live in an apartment and I don't live in an apartment.Their process several signed a legal avadavit day un spoke with me and I said I was XXXX. This is also not true. According to CFPB laws 15 USC 1682e ( 2 ) ( A ) 15 USC 1692e ( 10 ) 15USC 1692 e ( 13 ) ( 15 ). 15 USC 1692f. Also according to CFPB law 12 CFR 1006.18 ( B ) and 12 CFR 1006.26 ( B ) a debt collector can not and should not violate these laws. If so these debts should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding an unauthorized ATM withdrawal from my Bank of America debit card account that the bank has repeatedly refused to reimburse. On XX/XX/year>, a withdrawal of {$88.00} and on XX/XX/year> {$83.00} occurred at an ATM in XXXX XXXX, XXXX using my ATM card which I had on me in XXXX XXXX where I live. I immediately reported the transaction as fraud because I did not make this withdrawal and was not in XXXX XXXX at the time. I also had physical possession of my debit card, and the card has never been lost, stolen or borrowed. Bank of America denied my claim XXXX separate times, stating that their investigation showed the chip card was used. This explanation does not make sense because the card was in my possession the entire time and was never in XXXX XXXX. It suggests the possibility of counterfeit card fraud or ATM compromise, which should have been considered during their investigation. Despite my repeated requests, Bank of America has not provided adequate evidence supporting their conclusion and has not addressed how the transaction could occur when the card was in my possession. Under the Electronic Fund Transfer Act ( Regulation E ), consumers are protected from liability for unauthorized electronic fund transfers when they report the transaction promptly. I reported the transaction as soon as I discovered it and fully cooperated with the banks investigation. I am requesting that Bank of America : Conduct a proper reinvestigation of the fraudulent ATM withdrawal. Review ATM surveillance footage and ATM transaction logs from the location in XXXX XXXX. Reimburse the {$170.00} unauthorized withdrawal and any related fees. Provide documentation explaining how they concluded that the transaction was authorized when I had the card in my possession. I believe the banks investigation was insufficient and did not meet their obligations under Regulation E. I am requesting assistance from the CFPB in resolving this matter. Thank you.

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 2026-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
I have been attempting to have my loans from XXXX University removed due to the borrowers defense. I have been waiting for over a year. I attended XXXX from XX/XX/XXXX to XX/XX/XXXX. I have not received any updates. This is hindering me from purchasing a home, as I have been trying to get into a repayment plan and they keep placing my student loans back in administrative forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I previously made a complaint against LVNV Funding and wasn't able to see a response until Now. None of this is factual and ABSOLUTELY false. I moved from XXXX in XXXX and was NEVER served. They have no proof that I was served and they NEVER abide by the 30 day debt validation request that I submitted through certified mail. I am going to escalate the issue as they have provided FALSE statement and illegal practices. They are to refund my money. I am going to report them to FTC and other agencies. They are liars!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
person who stole the money had been connected to my account for around XXXX days. I have never authorized this person to access my account, and I do not even know them. I never gave permission for anyone to be linked to my account. The fraud was carried out using the following phone numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. The transactions were made through the XXXX app and used the names XXXX and XXXX XXXX. I do not understand how I can be blamed for a theft that was carried out by someone impersonating Chase and using the Chase logo to deceive me. I am not able to know whether a call is truly from Chase or not, especially when it appears to come from the bank itself. I am requesting that this situation be reviewed and that the {$2000.00} be returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I have money transfer issues but was able to talk to a person .There was no contact person so I let it go.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
My XXXX XXXX XXXX husband XXXX XXXX, died on XX/XX/XXXX, signed an agreement wit Goodleap on XX/XX/XXXX for {$70000.00} to finance solar. I contacted Goodleap today to get the payoff for the next 7 days. I was informed that it will be {$70000.00}. To my surprise, I questioned why the payoff was still over $ XXXX plus, not much less than the original amount. The representative explained that since the promo period ended on XX/XX/XXXX, the loan 's interest accumulates daily. I then questioned where the monthly payment of approximately {$490.00} was going since XX/XX/XXXX? I further stated that clearly, none of it was going to the principal. I am filing this complaint because such a loan is clearly inappropriate and indicative of elderly abuse. Had my husband understood the ramifications of this agreement, he would not have entered and signed the agreement. Additionally, the agreement is for 20 years. How can Goodleap offer an agreement that basically has no end and purely a money profiting scheme. I informed the representative that I would be contacting a consumer protection agency. I would appreciate your assistance in investigating this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Issue : URGENT FINANCIAL HARDSHIP / Regulation E Violation Complaint Details : I am filing this formal complaint against Credit Karma for a violation of Regulation E ( Electronic Fund Transfer Act ). Credit Karma is withholding my federal tax refund, which has resulted in an immediate and severe financial crisis. I am currently XXXX months behind on rent and facing a vehicle repossession due to an overdue note. Furthermore, my household 's primary income ( gig work ) has ceased because our vehicle is broken down and we lack the funds to repair it. I have spoken to over XXXX agents, explaining this extreme hardship. I have provided video evidence showing that even when using a split-screen to stay active in the chat while completing the verification, agents intentionally disconnect the session immediately after the system shows a " pass. '' This disregard for my presence in the chat and the repeated " reset '' of the process is a bad-faith denial of access to my funds. The companys refusal to provide a manual review or a functional escalation pathwhile referring me to a phone system I can not accessis directly causing our household to face homelessness and loss of livelihood. I request an immediate manual release of my funds and a response from a compliance officer. I'm aware of a class against them currently for this exact situation and am considering reaching out for a separate litigation for me personally against them if this is not immediately resolved. I have will also be setting up a time and date to give information to a local news source regarding this situation who's job it is to get to the bottom of things like this and make the. Public aware they must perform their due diligence on the information provided. Thank you for helping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I purchased products from XXXX. I received the wrong amount/colors. It was not at all what I expected. I returned the items and never received a refund. I disputed the charge with XXXX and directly with my Bank of America card company. All claims were rejected on the basis that 'the product was received '. However, that was not what I was disputing. The fact is I returned the products and never received my refund. Now, this transaction has fallen outside of the 90 days I am allowed to dispute and I don't know what else to do. Return Tracking : XXXX Shipped on XX/XX/year>

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 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I am writing to dispute the charge-off account listed on my credit report For One Main Financial. I believe this account is inaccurate and request that it be investigated. Please provide verification of this account, including the original signed agreement and a complete payment history. If the creditor can not provide proper verification that this debt belongs to me and is being reported accurately, I request that it be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I am writing to dispute a charge of {$300.00} on my credit account. The charge is an error because I called XXXX to terminate my wifi plan and to close the account on XX/XX/year>. After I closed my XXXX account, I mailed XXXX wifi equipment to them so that I would not be charged. Shortly after, a collection of {$200.00} appeared on my credit report around XX/XX/year>. I asked XXXX to provide information in regards to this collection in which they did not. After my inquiry, a company named MRS BPO charged me a collection of {$300.00}. I was not notified of why there is a debt collection and who is the original owner. They are reporting 2 separate balances for a collection. This is a misleading balance. The original collector, XXXX, is reporting a balance and a contractor is reporting a different balance. I have been asking for validation and have not been provided any information at all. XXXX has been reporting incorrect dates, incorrect balances, and incorrect reports on failure to receive equipment. MRS BPO is also reporting a completely different balance other than XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am a XXXX XXXX member since XXXX with a flawless payment record. After successfully completing a Financial Relief Program in XX/XX/XXXX, American Express reduced my preset spending limit to {$17000.00} on XX/XX/XXXX, while my balance exceeded {$22000.00}, rendering the card functionally unusable. The Pay Over Time limit remains {$31000.00}, confirming this was a discretionary internal decision. My XXXX score improved from XXXX to XXXX during this period. XXXX and XXXX simultaneously increased my limits without request. American Express provided only identical boilerplate justifications across five formal responses, never engaging with counter-evidence provided. American Express denied advertised card benefits including XXXX, XXXX XXXX and Disney+ by imposing an undisclosed condition not found in the published benefit terms. They continued advertising these benefits to me personally while denying access. American Express extended my personal loan term without disclosure during XXXX enrollment, violating TILA. A late fee and penalty APR were applied during the active dispute period in violation of FCBA, reversed only after CFPB complaints. On XX/XX/XXXX, American Express 's XXXX XXXX XXXX XXXX offered to waive {$4400.00} in exchange for a {$20000.00} payment within 90 days and a confidentiality clause suppressing regulatory complaints. When I accepted in principle and requested a reasonable deadline extension to XX/XX/XXXX, they rejected without counter-proposal. American Express declared the matter closed on XX/XX/XXXX, without addressing core allegations. A {$690.00} annual fee was charged on XX/XX/XXXX, on a card rendered unusable by their own decision. This complaint is filed simultaneously with a formal Request for Investigation to the California Attorney General. This complaint is a continuation of documented disputes previously filed with the CFPB under Case Numbers XXXX, XXXX, and XXXX, and Case Number XXXX which received a dismissive closure response from American Express on XX/XX/XXXX. A referral was also made to the OCC under Case Number XXXX, which was deflected back to the CFPB without substantive engagement. In none of these cases did American Express provide individualized responses to the specific evidence and legal arguments submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX I booked a XXXX XXXX vacation package and made installment payments toward the package using my Citi credit card. The package included airfare and land services ( resort accommodations and related services ), and the total package price was approximately {$10000.00}. In early XX/XX/XXXX, travel became impossible on XXXX ( the travel date ) due to a government-mandated airspace closure affecting the XXXX. As a result, we were unable to reach the destination and the land services associated with the package were never rendered. American Airlines refunded the airfare portion of the trip. XXXX XXXX also issued a small partial refund for ground transportation that could not be provided. However, the remaining land portion of the package was not refunded. I disputed two installment payments related to this package with Citi : one payment made in XX/XX/XXXX for approximately {$1600.00} and another payment made in XX/XX/XXXX for approximately {$4200.00} After reviewing the documentation provided, Citi approved and refunded the XX/XX/XXXX installment ( {$4200.00} ) on the basis that the services were not rendered. However, Citi denied the XX/XX/XXXX installment ( {$1600.00} ), even though it relates to the same underlying travel package and the same non-rendered services. The travel date was XXXX so it should be treated as a service from that date, not the original payment date. Both transactions were installment payments toward the identical package. Because Citi has already determined that the services associated with this package were not rendered, the denial of the XXXX installment appears inconsistent. The remaining installment payments for this same package were made on another credit card and are currently under separate dispute review. Refunds for the airfare and a small portion of ground transportation have already been processed. I am requesting reconsideration of the XXXX installment dispute and consistent treatment of both charges related to the same non-provided services.

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 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: We Collect Inc
State: CO

Complaint narrative:
They post misleading ads to get you sign up and try to get you to sign up and hide subscription fee on sign up. Atlas makes it the hardest and wants to charge me still. Also XXXX does this as well as any other lending online institution.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XX/XX/XXXX and XXXX, the House flooded XXXX inches of water in my house. XXXX started XX/XX/XXXX XXXX XXXX, XXXX feet of water in the house. Chase has had the loan for XXXX years at least at time of floods. I had to have flood insurance on a loan that went from FHA to a XXXX XXXX loan, both loans with Chase. My flood insurance has always come out of my escrow account. I was refinancing loan during this time flood insurance was up for renewal both times. They Force Placed structural policy only and did not include personal contents had always been included. I was behind payments but my equity was XXXX dollars. Regarding Mortgage Serving and Escrow Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Netspend Corporation
State: GA

Complaint narrative:
This is XXXX XXXX I'm having trouble yeah getting my money back that NetSpend took and they blamed it on XXXX or cash app XXXX has some of my money they will not release it to me I need it now I'm on the streets and I'm definitely following a complete on NetSpend and XXXX and I think XXXX says they have my money still but they won't turn it over

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