vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2026 I received a call from the fraud department of Chase Bank wanting me to provide my full social security and the email associated with my account I politely refused and let the caller it was a girl I was going to go verify my identity in person at the bank and she told me no and said am flagging your account, I asked her to please not do that that I was going to go to the bank in person to do that and she said no. I asked for her name and to speak to a manager and she hang up on me my cousin deposited a cashier check into my account and my cousin has even contacted the bank to clear the problem since she is the person that deposited the money, Chase Bank has refused to provide me with the reason why I cant receive my funds not the reason for this Chase bank took my XXXX XXXX cards payments back to my account after closing my account with no reason provided and has tried taking my vehicle car payment when they were remove from all of my accounts as soon as they closed my account and refused to provide me with my funds nor a reason for keeping them I am having to pay late fees and for the person who will be in charge of paying for those fees as the payments were cleared in my account and my account has been closed for a month already I have not received any information I have requested and its still trying to take payment am enrolled with a different bank account and they had no authorization to any of those accounts and Chase bank tried taking my vehicle payment this Sunday XXXX XXXX and my account has been closed for over a month now and with out my permission added themselves to my account which had no authorization or consent to use

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I have been receiving checks from the billing office. Refund checks. I believe there is one I misplaced and never deposited. The medical office sent me to collection for the same amounts. I have tried by phone call to clear it up. Why would the medical office send me refund checks, AND report similar amounts to the collection agency? Its as if there are two billing companies that don't talk to each other!!!! This could be it. I sent a notice to the company, transworld systems Inc post marked XX/XX/XXXX. I have been very sick. I don't have the strength for this. Please stop collection immediately. XXXX XXXX Registration code XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for failing to conduct a reasonable investigation into fraudulent accounts reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i. I disputed multiple accounts on my credit report that do not belong to me and were the result of fraud/identity theft. Despite my dispute, Equifax responded that the accounts were verified without providing any documentation or evidence of a reasonable investigation. Equifax has failed to : - Conduct a proper and lawful investigation - Provide the method of verification upon request - Remove accounts that are inaccurate and fraudulent Under the FCRA, credit reporting agencies are required to perform a reasonable reinvestigation and ensure maximum possible accuracy of the information they report. Simply verifying information without proper validation is not compliance with federal law. These inaccuracies are causing harm to my credit profile, limiting my access to financial opportunities, and damaging my reputation. Requested Resolution : - Immediate deletion of all fraudulent and unverifiable accounts - A full reinvestigation in compliance with FCRA requirements- Written confirmation of deletions and updated credit report - Disclosure of the method of verification used If this matter is not resolved promptly, I am prepared to escalate further, including pursuing legal remedies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am in receipt of your response regarding the alleged account in the amount of * * {$3000.00} * * currently being reported/collected by XXXX XXXX XXXX You previously indicated that this account would be removed from all credit bureaus ; however, despite that representation, it remains on my credit report. Your failure to honor that commitment raises additional concerns regarding the accuracy and legality of your reporting practices. Your response is insufficient and does not meet the requirements of proper validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). You state that the account was transferred or assigned to XXXX XXXX XXXX ; however, you have failed to provide the following : 1. Complete chain of assignment showing your legal ownership of this debt 2. A full accounting of the alleged balance, including all fees, interest, and payments 3. Verification that I have a contractual obligation directly with XXXX XXXX XXXX 4. Proof that the alleged contract bears my valid signature and was executed lawfully Providing a copy of a generic contract or application does not constitute proper validation. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report only accurate and fully verified information. Reporting unverified or incomplete information is a violation of federal law. Until proper validation is provided, you must : - Cease all collection activity - Remove this account from all credit reporting agencies Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau and potential legal action for violations of federal law. This is not a refusal to pay, but a notice that your claim is disputed and validation is required. Sincerely, 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 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Lender stated that the vehicle is up for repossession due to missed payments from XXXX XXXX XXXX. Payments were originally made over the phone but seized once lender stated that was no longer an option due to my personal bank rejecting payments in the past. Lender was asked, what are other acceptable payment methods? Money orders were an option. Multiple money orders were sent XX/XX/XXXX, XXXX, and XXXX, all together equaling the total amount of {$670.00}. The representative assigned today ( XX/XX/year> XXXX ) stated Im not sure why she would tell you to use money orders, they take longer to receive on our end. I asked what would he suggest, if the other said its acceptable? He stated that I would need return to the store and ask for a refund and proceed to wire the funds instead. He mentioned that they would receive the funds quicker and if not, the car is still up for repossession until they receive the payments that are already mailed. He proceeds to say if repossessed, unfortunately there is a {$400.00} fee to get the car back. Representative asked could a payment of {$630.00} be made at the time of phone call ( XX/XX/XXXX ), which caused confusion due to being told that payments via phone was no longer an option for my account temporarily. The total increased from {$910.00} to {$1000.00} and if true, {$670.00} of that has been paid and I would only owe $ XXXX which would leave my actual payment total I owe for this month which is not due til the XXXX of every month and isnt considered late until after the XXXX. I have been trying to get an understanding and have received numerous attitudes and no help. I have also provided proof that money orders are accepted below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Formal Complaint : Gross Negligence, Willful Delay of Fund Recovery, and Malpractice Regarding {$110000.00} Incident Description : I am filing this complaint against Truist Bank for its appalling negligence and willful obstruction in recovering my missing {$110000.00} On XX/XX/2026, I wired {$110000.00} to a XXXX XXXX customer. On XX/XX/XXXX, after being informed the funds were refused, I immediately and repeatedly requested Truist to initiate a XXXX XXXX. However, from XX/XX/XXXX to XX/XX/XXXX, Truist staff flatly refused to execute my request, claiming the funds were " out of their hands. '' This ten-day delay was a direct result of their incompetence and refusal to follow a client 's urgent instruction, which potentially allowed the funds to become further entangled or lost The situation escalated on XX/XX/2026, during my meeting with Branch Manager XXXX XXXX XXXX XXXX XXXX Employee ID : XXXX ). His conduct was not only unprofessional but explicitly hostile and obstructive : Hostile Indifference : Throughout the interaction, XXXX XXXX displayed extreme arrogance and a total lack of concern for the {$110000.00} loss. When I stated I would seek intervention from the OCC and CFPB, he dismissively replied, " Oh well, '' showing zero regard for regulatory compliance or customer asset safety Deliberate Withholding of Evidence : XXXX XXXX XXXX XXXX ( ID : XXXX ) categorically refused to provide the XXXX XXXX or disclose the status of XXXX recall messages. He further blocked my request to check the XXXX XXXX XXXX, which would have provided the definitive location of my money Intentional Obstruction : He refused to escalate the matter to the Clearing Department, effectively trapping my funds in a " black hole '' while denying me the technical data required for an external investigation. Desired Resolution : I demand an immediate investigation into the conduct of XXXX XXXX XXXX XXXX and the recovery of my {$110000.00}. I require Truist Bank to provide : The full XXXX and XXXX records. A complete log of why the recall request was delayed by 10 days ( from XX/XX/XXXX to XX/XX/XXXX ). Confirmation of all inter-bank communications ( XXXX ) to resolve this discrepancy 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
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: DHI Mortgage Company
State: TX

Complaint narrative:
At closing in XX/XX/XXXX, my DHI Mortgage loan originator sent me a written email explicitly stating that property taxes at full value would be $ XXXX ( {$9500.00} annually ). I was advised to save $ XXXX to cover the gap between the partial escrow being collected ( $ XXXX ) and the stated full value amount. This was represented as the actual full tax obligation on my completed home not an estimate or projection. I relied on this written representation in my financial planning. I was never informed this figure could be substantially understated. I have since received my XXXX Notice of Appraised Value from the XXXX XXXX XXXX XXXX XXXX showing a market value of {$420000.00} and an estimated annual property tax liability of approximately {$16000.00} nearly {$7000.00} more than the full value figure provided at closing. Even if I had followed the advice to save $ XXXX, I would still face a shortfall of nearly {$10000.00}. I have documentation showing the tax figure used at closing was based on pre-construction land value rather than the completed home consistent with the conduct alleged in the active federal class action XXXX XXXX XXXX XXXX XXXX XXXX and DHI Mortgage ( U.S. District Court, District of XXXX, XXXX ). I am requesting a written explanation of how the closing tax figure was calculated, an escrow recalculation based on the XXXX appraised value, and a remediation plan for the shortfall that does not penalize me for the misrepresentation made at closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a written request to Bank of America regarding a disputed credit card transaction that I did not authorize. I requested basic merchant information necessary to verify the transaction, including merchant name, location, and transaction details. As of XX/XX/year>, I have not received any of the requested information or a written explanation for t he refusal. Without this information, I am unable to verify the legitimacy of the transaction or evaluate the banks determination. I am requesting that the bank provide the requested merchant information or clearly explain the basis for withholding it.

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: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I am submitting a formal complaint regarding my account with BMO Bank. On XX/XX/XXXX, a valid court order was issued by XXXX XXXX XXXXXXXX, directing the release of funds associated with my account. BMO was provided with this order on XX/XX/XXXX. As of today, my funds have not been released, and I have not received a clear explanation for the delay. This lack of action is causing financial hardship, including homelessness. I have made multiple attempts to resolve this matter through customer service on XX/XX/XXXX, XXXX and XX/XX/XXXX, but have not received a resolution or timeline.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a Public Service Loan Forgiveness ( PSLF ) Employment Certification Form through StudentAid.gov for my qualifying employment with XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XX/XX/XXXX to XX/XX/XXXX. As of today, more than 15 months later, StudentAid.gov still shows the form status as " In Progress '' with no resolution from MOHELA. The unprocessed period covers approximately three months of qualifying 501 ( c ) ( 3 ) employment that should be credited toward my PSLF qualifying payment count. Currently, MOHELA shows 104 qualifying payments on the affected loans. With the missing credit applied, my count would be 107. Note : XXXXXXXX XXXX XXXX XXXXXXXX is now owned by XXXX XXXX, but at the time of my employment in XXXX, the hospital was operated by XXXX XXXX XXXX XXXX XXXX, a 501 ( c ) ( 3 ) qualifying employer for PSLF purposes. I made a good-faith attempt to contact XXXX XXXX XXXX human resources directly to assist with certification documentation but did not receive a response. The PSLF Employment Certification Form was submitted through the StudentAid.gov PSLF Help Tool with the employer information available to me. MOHELA 's failure to process this form within a reasonable timeframe now over 15 months is consistent with the pattern of PSLF processing failures that have been the subject of regulatory action and class action litigation against MOHELA. This delay directly impacts my ability to track progress toward PSLF forgiveness and plan financial decisions tied to my anticipated forgiveness date. No resolution has been provided. The form remains " In Progress '' on StudentAid.gov with no communication from MOHELA regarding the delay or expected processing timeline.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
.I disputed a Capital One account multiple times, including a formal complaint submitted on XX/XX/XXXX ( Complaint ID XXXX ). The issue remains unresolved. The account was previously deleted in XXXX but continues to be furnished to certain credit reporting agencies. XXXX representatives stated on XX/XX/XXXX and XX/XX/XXXX, that the account remains on my credit file based on Capital Ones instruction and that only Capital One can authorize its removal. At the same time, XXXX removed this same account in XX/XX/XXXX, creating inconsistency across credit reporting agencies. Despite prior disputes and complaints, Capital One continues to furnish this account as verified without resolving the discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint regarding a disputed transaction processed through Cash App ( Block, Inc. ). Transaction Details : * Payment Platform : Cash App ( Block, Inc. ) * Merchant : XXXX XXXX XXXX XXXX Transaction Date : XX/XX/year> * Transaction Amount : {$100.00} * Cash App Account Identifier ( last 4 digits ) : XXXX * Transaction ID ( if available ) : [ XXXX XXXX XXXX ] Issue Description : On XX/XX/year>, I purchased furniture from XXXX XXXX XXXX. I have not received the merchandise. I did not sign for any delivery, nor was I provided with valid tracking information, carrier confirmation, or proof of delivery. Despite this, the merchant falsely claimed the item was delivered. My dispute was denied by Cash App based solely on the merchants statement, without any verified proof of delivery being provided to me. Pattern of Concern : XXXX XXXX XXXX has multiple consumer complaints reporting the same issuecustomers being told items were delivered without actually receiving goods. Failure of Proper Dispute Handling : Cash App ( Block, Inc. ) failed to provide or verify : * Carrier tracking information * Proof of delivery ( signature or photo confirmation ) * Any documentation supporting delivery to my address * A fair and transparent investigation of a merchandise-not-received claim Requested Resolution : 1. Full review and reopening of this dispute 2. Disclosure of all delivery evidence provided by the merchant 3. Reversal of the transaction due to non-receipt of goods 4. Investigation into Cash Apps dispute handling process in this case This appears to involve fraudulent misrepresentation by XXXX XXXX XXXX and improper dispute resolution by the payment processor. I am requesting immediate intervention and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am a person with a XXXX. I paid this collection in good faith despite it being a legally defective debt ( violation of NCGS 42-52 ). When I called to request a deletion letter, the agent, XXXX XXXX screamed at me and was verbally abusive. I got my mother on the line because it was so distressing. Then we were transferred to a manager who continued to scream at us and refused to let us talk then hung up on us. I want this tradeline deleted immediately due to harassment and lack of original debt verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I'm filing a complaint against LVNV FUNDING because they are reporting a collection account ( original creditor listed as XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX ) that is completely unverified. I never gave permission for them to report anything to the credit bureaus. After I was notified of this collection, I immediately requested proper validation. But they didnt provide anything, no signed agreement, no breakdown of the amount theyre claiming I owe, and no proof they have the legal right to collect this debt. Thats a direct violation of 12 CFR1006.34 ( b ) ( 5 ) of Regulation F, which says collectors must provide full debt verification when the consumer requests it. They also failed to give me a fair opportunity to dispute it, violating 12 CFR1006.34 ( c ) ( 4 ) ( i ). Even though they didnt validate the debt, they still went ahead and reported it to the credit reporting agencies. That is both deceptive and illegal under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which says they cant furnish information to credit bureaus without giving the proper disclosures and the chance to dispute it. They also violated 15U.S.C. 1681b, which says only accounts with a permissible purpose can be included in a consumer report. This account never had my permission or involvement, so theres no valid reason it should be reported under my name. This has caused serious and unnecessary harm to my credit and reputation. Im asking the CFPB to investigate this company and require them to : Stop all credit reporting related to this unverified account ; Delete this tradeline from all consumer reporting agencies ; Provide full documentation proving the debt is real, including a contract with my signature, proof of the original creditor, and proof theyre legally authorized to collect it. If this matter is not resolved, Im prepared to pursue legal action under 15 U.S.C.1681n and 1681o for willful and negligent noncompliance with the FCRA . Their refusal to follow federal law should not be ignored. Please help get this account removed from my report and make sure theyre held accountable for these violations.

Company response to consumer: Closed with explanation