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 when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
Complaint against XXXX Credit Card regarding inaccurate late payment reporting I am filing a complaint against XXXX Credit Card for inaccurate credit reporting and failure to properly process a timely payment. On XX/XX/year>, I initiated at least the minimum payment on my credit card account before the due date. However, my bank has confirmed that XXXX never submitted the payment request for processing. Despite this, XXXX reversed the payment internally and did not complete the transaction. Because the payment was never actually presented to my bank, this was not a failed payment due to insufficient funds or any error on my part. It appears to be a processing or system failure on the creditor 's end. I made an additional payment on XX/XX/year>, to ensure the account was paid and to prevent further issues. Despite these facts, XXXX has reported a XXXX late payment to the credit bureaus. This reporting is inaccurate and misleading because I made a timely payment attempt, and the failure to process it was not caused by me. I have contacted XXXX directly, and they have refused to correct the error. Under the Fair Credit Reporting Act, furnishers are required to report information that is accurate and complete. Reporting a late payment under these circumstances does not meet that standard. I am requesting : 1. Immediate removal of the XXXX late payment from all credit bureaus 2. Correction of my account history to reflect that I was not late 3. Written confirmation of these corrections I have supporting documentation, including confirmation of my payment attempt and statements from my bank indicating no debit request was ever received. Thank you for your assistance in resolving this matter.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am filing a complaint regarding inaccurate and potentially unlawful credit reporting and collection-related activity tied to multiple financial accounts. Beginning approximately starting in XXXX ongoing through XXXX, I experienced significant health-related issues due to XXXX that impacted my ability to work and to manage my financial obligations consistently. On XX/XX/XXXX, I officially applied for disability. Due to illness, unfortunately I haven't been able to make much effort to address my accounts, but my medical condition created periods where I was unable to maintain normal payment activity. Due to this, I notice accounts reporting as both paid/closed and severely delinquent at the same time. Inconsistent payment histories with missing or conflicting monthly data Balances that fluctuate without explanation or documentation Accounts that may have been improperly updated or re-aged Continued reporting of negative information without providing proper verification I would like a full investigation Documentation supporting the reported information The method of verification used No documentation has been provided No explanation of how the accounts were verified was given No supporting records were supplied to validate the reported information I will also be submitting a written request instructing any debt collectors to cease communication under applicable federal law. Despite this, I am concerned that reporting and/or collection-related activity may continue without proper compliance. What I am requesting : I am requesting that the companies involved : Conduct a proper and lawful investigation into the disputed accounts Provide complete documentation, including : Original agreements Full payment histories Accurate delinquency dates Correct or delete any information that can not be verified Ensure compliance with all applicable federal laws, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Additional context : My health condition during the XXXX timeframe significantly affected my ability to manage these accounts, and I am making a good-faith effort to resolve any legitimate obligations. However, I expect all reporting and collection activity to be accurate, lawful, and properly documented.

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 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
Issue : Misrepresentation of loan offer expiration and materially worse revised terms Company : SoFi Complaint : I was pre-approved for a personal loan through SoFi with a stated expiration date of XX/XX/XXXX. I relied on this pre-approval and proceeded in good faith to complete all required steps and submit requested documentation within the stated timeframe. Before the expiration date, SoFi informed me that my loan offer had expired. This contradicts the expiration date clearly provided in my original pre-approval. Following this claim, SoFi restructured my loan and presented significantly worse terms. Specifically : My approved loan amount was reduced My interest rate increased from 9.14 % to 15.33 % These changes are substantial and materially worse than the original offer I was relying on. At no point was I clearly informed that the offer could expire earlier than XX/XX/XXXX under the circumstances that applied to my application. I was also not provided with a clear explanation or documentation identifying what specific condition caused the offer to be considered expired prior to the stated date. I believe this may constitute a misrepresentation of loan terms and a potentially unfair or deceptive practice. I relied on the stated expiration date when making financial decisions, and the unexpected change in terms has negatively impacted me. I feel that this adjustment was made due to wanting to change interest from what was originally pre-approved. The person, XXXX, I spoke with on the phone stated that this change was due to the loan expiring but when I told her the loan terms stated that it was valid until XX/XX/XXXX. She said that in their system it was expired. Then a new loan was created on XX/XX/XXXX but it says it was originated from XX/XX/XXXX. Then they changed the expiration in their system. One file says it will expire on XX/XX/XXXX but then on another area it states XX/XX/XXXX. I also went through my email and it never shows a rejection letter stating that they couldn't approve the loan application. I have done enough of these that they always send out a notice of rejection, they changed the amount on the original loan from $ XXXX to $ XXXX. Long story short, I applied for a loan... they pre-approved it. I sent in all my documents within the timeframe originally list. This morning I got a call about needing more documents. I got home and uploaded the new documents at XXXX today. At the time the information showing for my personal loan was {$80000.00}, start date XX/XX/XXXX, expiration XX/XX/XXXX, and needed more documents. My credit score has gone up in since XX/XX/XXXX, my income originally stated $ XXXX annually but I furnished documents showing I am track to make $ XXXX, nothing had changed since my initial application except better numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
During summer XXXX, I experienced a significant loss of income due to wildfire-related disruption affecting my place of employment in the XXXX XXXX area . During this period, my checking account with Wells Fargo incurred hundreds of dollars in overdraft fees. I contacted the bank in early XXXX to request a refund based on financial hardship. On XX/XX/XXXX, the bank issued a partial refund of {$70.00} but denied additional relief. In its written response, the bank relied on my residential ZIP code not being within XXXX disaster areas and cited internal limits on fee refunds. This response reflects an inconsistent and overly narrow application of policy. Wells Fargo applied XXXX ZIP code criteria as a rigid requirement while disregarding documented hardship caused by employment disruption in a disaster-impacted area. Disaster-related and hardship relief policies should not be applied inconsistently or in a manner that excludes similarly impacted individuals based solely on residence, particularly when income loss is directly tied to an affected location. I am requesting a full reconsideration of the overdraft fees incurred during this period of financial hardship.

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: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of an alleged debt reported under National Credit Adjusters , LLC, Account # XXXX. According to my credit report, this account was opened on XX/XX/XXXX, with a reported balance of {$460.00}, last updated on XX/XX/XXXX. This account is currently listed as a collection account ; however, I dispute the accuracy and validity of this debt. As a debt buyer, you are required to provide proper validation of this account in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : * A copy of the original signed agreement or contract bearing my signature * A complete, itemized breakdown of the balance of {$460.00} * Documentation showing the chain of assignment from the original creditor to your company * Proof that your company is authorized to collect and report this debt Until proper validation is provided, you must cease collection efforts and reporting of this account. If you are unable to fully validate this debt, I request that it be deleted from my credit report immediately. Please respond within 30 days of receipt of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: GLOBAL CREDIT UNION
State: CA

Complaint narrative:
I refinanced an auto loan through Global Credit Union. I have been making payments to Global ; however, I have now been told that the loan is with XXXX XXXX. There is no clear proof that the refinance loan was properly funded or that any lienholder was paid. I am requesting proof of disbursement, proof of payoff, and a full accounting of payments made. If the loan was not properly funded, I am requesting a refund of all payments made on an invalid or incomplete loan transaction. Global Credit Union has failed to provide clear documentation and is redirecting responsibility without resolving the issue. This has caused financial harm, confusion regarding lien ownership, and potential damage to my credit.

Company response to consumer: Closed with non-monetary relief
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: First Credit Services Inc.
State: NJ

Complaint narrative:
II am not liable for this debt with ( XXXX XXXX XXXX XXXX XXXX ). I do not have a contract with ( FIRST CREDIT ). They did not provide me with the original contract as requested. Please delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: CA

Complaint narrative:
I am writing to formally dispute a late payment that was recently reported on my credit report for my student loan account. I graduated in 2025 and, since that time, I never received any billing statements, emails, or other correspondence indicating that my loans had entered repayment. I have remained at the same address for the past seven years, and I did not receive any mailed notices or communication advising me of my repayment status or due dates. As a result, I was completely unaware that my account had entered repayment. I was focused on beginning my career as a XXXX XXXX and had no indication that any action was required on my part. To my surprise, the first notice I ever received was an email on XX/XX/XXXX informing me that my account was past due. You can also verify that I only recently created and set up my online account, which further demonstrates that I was not previously aware that my loans had entered repayment or that any payments were due. Immediately upon receiving that email on XX/XX/XXXX, I took action the same day and brought my account current. I have since remained in good standing. Under federal law, student loan servicers are required to provide clear communication regarding repayment obligations. Pursuant to the Truth in Lending Act ( 15 U.S.C. 1638 ) and implementing Regulation Z ( 12 C.F.R. 1026 ), creditors must provide disclosures related to payment schedules and obligations. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a duty to report accurate information and correct errors, particularly when a consumer has not been properly notified or when information may be misleading due to lack of communication. In this case, I did not receive any prior notification, which prevented me from making timely payments. I respectfully request that you remove the reported late payment from my credit history, as it was the result of a lack of proper notification rather than a failure or refusal to pay. Please review my account and correspondence history to verify the absence of prior notices. I would greatly appreciate your assistance in resolving this matter.

Company response to consumer: Untimely response
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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I noticed a pending charge for the full {$15000.00} balance transfer amount even though I have autopay set up. I called customer service that same day and was told they would reverse the full charge once it posted. I called again on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX they told me the refund was approved on XX/XX/XXXX and payment was on its way. However, when I called on XX/XX/XXXX, the representative said they would send me a letter after a two-week review and only then decide if I would get my money back. It has now been almost a month with no refund.

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 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Ally savings closed my account because I accidentally linked my mother in laws account to my account. I was trying to save the {$20.00} wire fee and send her money from her son who had passed away and left money in our account. They closed my account but never told me when they would send me my money. I have been on the phone with them three times for over 45 minutes. They still haven't given me a timeline on when I will receive my funds. It's been 18 days.

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 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Keep getting call about bills I don't know about and name closed to mine bu not me

Company public response: Company can't verify or dispute the facts in the complaint
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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am filing this complaint to report what I believe to be unlawful reduction of my credit limit without proper notice which immediately increased my utilization and caused my credit score to drop XXXX pts. This reduction also caused my interest charges and minimum payment to increase. I did not miss payments. The limit reduction was retaliatory or excessive punitive measures not aligned with my payment history, account performance or risk profile and created 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 explanation
Consumer complaint received 2026-04-28 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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 non-monetary relief
Consumer complaint received 2026-04-28 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I opened a Truist checking account in XX/XX/2026 under a {$400.00} promotional bonus offer requiring qualifying direct deposits and debit card transactions. On XX/XX/2026, a Truist representative confirmed that I met the promotion requirements. However, another representative later stated that the transactions still needed verification and could not provide a completion date or payout timeline. Truist provides a link to track promotion progress, but the link repeatedly returns a server error and does not work. Because of this, I have no way to confirm my qualification status despite being told I met the requirements. The promotion terms state the bonus will be paid within XXXX weeks after requirements are met, yet Truist has not provided confirmation of my verification date or expected payment date. I am requesting written confirmation of my qualification status, verification completion date, and the expected payout date for the {$400.00} promotional bonus.

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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Im writing to respectfully request a review of recent charges applied to my account. Due to a misunderstanding with my business accounts, I was unaware that interest and related charges were being accrued from XXXX through XXXX, resulting in a total of {$770.00}. This situation was not intentional, and it was caused by confusion regarding the structure of the accounts ( XXXX Credit card vs XXXX Business account ) I have consistently maintained a strong payment history and have always made my payments on time, paying the full balance each cycle. As a result, I begin each month with a {$0.00} balance.. This is the first time I have experienced an issue like this. Given my history as a responsible customer, I kindly asked Bank of America if they would consider a goodwill adjustment to remove these charges, and they simply said NO and made no effort at all to help a client who has not only been with them for many years, but also has multiple accounts, all of which handle large amounts of money, where they only provide pennies in interest that do not even reach XXXX dollar per month. I have continued banking with them even though I could have moved to better banks, and yet I made a mistake and they charged me nearly {$770.00}. This is very unfair. I would greatly appreciate any assistance you can provide. Thank you for your time and consideration. I look forward to your response. Sincerely, XXXX XXXX XXXX XXXX

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: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I paid XXXX dollars in XX/XX/XXXX I paid XXXX dollars in XX/XX/XXXX paid XXXX in XX/XX/XXXX paid XXXX dollars in XX/XX/XXXX I only charged XXXX on the card to begin with I feel like I am being ripped off and they still say I owe XXXX dollars every month I refuse to pay anymore company name is concore credit milestone credit card

Company response to consumer: Closed with explanation