vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: IL

Complaint narrative:
I get my son 's XXXX funds on a XXXX XXXX card in XXXX of XXXX they took XXXX they said it was because of XXXX I called XXXX XXXX said it was not them they told me I need to file a complaint a dispute on that amount of money they gave me back XXXX back to my car and XXXX they came back again and took XXXX they gave it back to me last month now today which is XX/XX/XXXX they took XXXX off my son card again and they keep saying it's XXXX but the transaction does not say XXXX it says XXXX XXXX adjustment so I told him I'm going to call SSI and let them know that child keeps stealing money off my son disability card every month for the same I canceled the old card out and ordered a new card amount they still come back with the new car and take XXXX XXXX the XXXX how I know it's not XXXX because XXXX does not have the new card number

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: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
Called Ascend loans to ask where is the contract? They sent me the contract. The date was changed and amount monthly had changed. They sent loan after funds were deposited in account. I cancelled the ACH debit on file and they attempted to run the debit through my bank. They changed the agreement, date of repayment and monthly amount. Amount borrowed was XXXX dollars. 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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Top Line Collectors LLC
State: IL

Complaint narrative:
Please see original case XXXX Today XX/XX/year> and Im still receiving their messages! Please advice what next step Should be as this is very inconvenient

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
I rented a vehicle from XXXX rental car in XXXX XXXX CA. I was later informed they claimed I damaged their vehicle. I did not. I sent a certified letter asserting that I did not cause damage to their vehicle and to stop threatening me See attached letter. They sent the claim to a collection agency. The collection agency never contacted me in any way. I ONLY found out about the debt collection when I noticed a lowered FICA score on my credit card statement and called XXXX. I was charged a premium for this rental. In addition, I had mechanical issues with the vehicle. When I returned the car, the attendant assured me I would receive a call from management. I was never called. The mechanical issue happened on a freeway and left me in danger on the side of the road. Their roadside assistance was abysmal, a standard call center whose representative did not know what a weigh station was. What an outrageous lack of customer service.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
a bofa employee by the name of XXXX user name XXXX who works in bofa fraud department scammed me out of XXXX dollars, im currently a bofa customer i have been with them over 10 years, bofa response to my first complaint was invalid it wasnt for the internal investigation for the fraud department, it was for a separate check claim i requested, im writing in complaint of the internal investigation from XX/XX/XXXX not the recent check claim i did in XXXX thats 2 different things

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT

Complaint narrative:
On Saturday evening, XX/XX/year>, I did a photo deposit of a {$2500.00} check from my sister in law. Today, Monday XXXX of XX/XX/year>, I checked my checking account only to find that USAA has put my checking account on a 9 day hold. I depostited these funds to pay my warehouse lease payment due the XXXX of each month with a 4 day grace period .If my payment is not made by the XXXX of the month the Warehouse Lessor has the right to lock down my unit and confiscate all my belongings. According to the government regulations USAA does not have the right to hold my deposited funds for 9 days. From what I have read a bank has to release the deposited funds after 2 days if under {$5500.00}. I need my monies.

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 making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I was deceived into sending {$830.00} through XXXX after an impostor gained access to my contact 's phone number and pretended to be them. The impostor told me they had reached their XXXX limit and needed me to send the money to a different account. I believed I was helping my real contact, but it was a scam. This was not an authorized transaction. I did not knowingly send money to the actual recipient. I was manipulated through impersonation, and the receiving account does not belong to the person I thought I was assisting. I filed a fraud claim with SoFi on XX/XX/year>. On XX/XX/year>, SoFi denied my claim, stating the transaction was " authorized, '' without reviewing the evidence of impersonation or the hacked phone number. I submitted an escalation request, but SoFi has not responded or reopened the investigation. I have evidence showing : - My contact 's phone number was hacked - The messages came from an impostor - My contact did not request or receive the money - The receiving account belongs to a third party - The transaction was induced through deception

Company response to consumer: Closed with explanation
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: Prosper Marketplace, Inc.
State: IL

Complaint narrative:
XXXX/XXXXbBank placed a hard inquiry on my credit after providing me loan terms for a {$5000.00} offer, but then the application was canceled/withdrawn before the stated XXXX expiration. I did not withdraw it, and Prosper customer service could not explain why. I am requesting written proof of the reason for cancellation and removal of the hard inquiry if Prosper can not verify that I authorized or caused the withdrawal.

Company response to consumer: Closed with explanation
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: CL Holdings LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report. Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose. This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I accepted a formal settlement with XXXX XXXX on XX/XX/year>2026 at XXXX meeting their exact deadline. I agreed to pay {$5200.00} as full settlement of the Balance Owed on my XXXX XXXX account. My first payment is not due until XX/XX/year>. Today is XX/XX/year>. Radius Global Solutions contacted me by email on XX/XX/year>, claiming that an outstanding balance of {$7400.00} was due in full and payable immediately. This demand ignores the active settlement contract and attempts to collect {$2200.00} more than what is legally owed, which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, 2026, at XXXX AM, I contacted XXXX XXXX by phone to resolve this system routing error in good faith. The phone representatives refused to honor the contract or fix the issue, and instead directed me to contact Radius Global Solutions to try and recreate the same agreement with them.

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 2026-06-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: United Shore Financial Services, LLC
State: NE

Complaint narrative:
On XX/XX/year>, I contacted my mortgage servicer ( United Wholesale Mortgage ) to proactively request forbearance due to involuntary job loss. My position was eliminated in early XXXX, leaving unemployment benefits as my household 's sole income. I contacted the servicer before missing any payments. On XX/XX/year>, I received a formal written denial of all loss mitigation options, including forbearance. The stated reason for denying both the Repayment Plan and Special Forbearance was that my loan is " less than 61 days delinquent. '' This is a VA-guaranteed loan. The loan investor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA servicing guidelines require servicers to evaluate all available loss mitigation options for veterans experiencing financial hardship, including forbearance, regardless of delinquency status. Denying forbearance to a borrower who is current precisely because they contacted the servicer proactively appears inconsistent with those guidelines and penalizes responsible borrower behavior. I am a U.S. military veteran experiencing documented involuntary job loss with dependent children in the household. I am requesting the CFPB review whether UWM properly evaluated my forbearance request under applicable VA loan servicing requirements and require the servicer to offer an appropriate hardship forbearance.

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: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMCB Card Services is reporting account ending in XXXX as a charge-off and/or with late payments. I disputed the accuracy of this information and requested documentation to verify the reporting, including billing statements, proof of delivery, and records supporting the charge-off status. The information appears inaccurate, incomplete, or unverifiable.

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 — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding Chases repeated failure to properly process and retain legal documents related to my account and ongoing levy/legal review matter . Over the course of this issue, I have submitted the requested documentation three separate times. Despite complying with repeated requests and resubmissions, I continue to be informed that : the documents can not be located, the queue has been reset, or the review process can not move forward because documents are missing. This ongoing mishandling has caused substantial financial hardship, delays in resolution, emotional distress, and an inability to properly address urgent account matters impacting both my personal and business finances. The repeated loss or failure to associate submitted documents with my case demonstrates a serious breakdown in communication and case management. I have made multiple good-faith attempts to cooperate with Chase and provide all requested documentation in a timely manner. I am requesting immediate escalation and the following actions : Written confirmation of all documents currently on file Confirmation that my submissions have been attached to the correct case Assignment of a dedicated escalation specialist or supervisor A direct contact or callback from the department handling my matter An explanation as to why my documents have repeatedly not been processed or located An expedited review timeline due to repeated delays caused by Chases internal processing failures I have maintained records of my submissions, dates of communication, and repeated attempts to resolve this matter through standard customer service channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for continued inaccurate and unverifiable credit reporting despite multiple prior disputes and supporting documentation provided to Equifax and through the CFPB process. XXXX XXXX XXXX continues reporting a collection tradeline tied to an alleged XXXX XXXX XXXX account while failing to provide competent evidence establishing lawful ownership, complete chain of assignment, or accurate account-level documentation. I formally requested proper validation and Method of Verification ( MOV ), including documentation reviewed, proof of the Date of First Delinquency, and evidence supporting the reported balance and reporting timeline. Instead of conducting a lawful and reasonable investigation, XXXX XXXX XXXX and Equifax appear to have relied on automated e-OSCAR dispute processing and generic responses. Equifax marked the tradeline as updated, yet no meaningful correction or deletion occurred. The account continues reporting despite unresolved verification concerns. The reporting remains inaccurate, incomplete, and misleading. The tradeline has caused ongoing financial harm and has interfered with current land financing opportunities through XXXX XXXX XXXX XXXX. I was specifically advised that this derogatory XXXX XXXX trade line must be removed before financing approval can move forward. XXXX XXXX XXXX has failed to provide : Complete chain of assignment/ownership documents Original signed agreement bearing the consumers signature Account-level billing/payment history Competent evidence supporting the Date of First Delinquency Documentation proving the reported balance and delinquency timeline are accurate Evidence of a reasonable investigation beyond automated dispute verification systems. I request immediate deletion of this trade line from all consumer reporting agencies if XXXX XXXX XXXX can not provide competent documentary evidence fully validating and verifying the account and reporting history pursuant to the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

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 — Problem with customer service
Company: MOHELA
State: FL

Complaint narrative:
My name is XXXX XXXX. I had/have a student loan with Mohela. My loan was automatically discharged due to my VA XXXX rating. I requested that the student loan be re-instated as I am returning to school in XXXX of 2026. FAFSA approved my student loan payoff reversal. Mohela is supposed to re-instate the loan. I have called the lender multiple times and every time I call about the issue at hand, the loan provider places me on long hold times in hopes that I just hang up. In my most recent call I was on hold for well over an hour. I have been kind and friendly to every representative with the loan provider, and I am being treated poorly. Mohela is intentionally making it unreasonably difficult to service my rights, repeatedly failing to process my requests, providing misleading, and refusing to address account issues.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 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: FL

Complaint narrative:
In XX/XX/year>2026 Bank of America ran unauthorized payment to my BOA credit card. I spoke with a Bank of America representative on # XXXX. There was an ACH payment of {$380.00} set up which I never authorized for any such amount in that date. I have in the past for {$150.00} on XX/XX/XXXX and XX/XX/XXXX. I did not authorize any further payments for XX/XX/XXXX because I told the representative that I only get paid on the XXXX and the last day of the month since I am a teacher. I would have to pay myself on XX/XX/XXXX. The previous Bank of America representative set up an unauthorized payment for {$380.00} on XX/XX/XXXX anyways. The BOA rep spoke with me and my bank on XX/XX/XXXX. Today, XX/XX/year>2026 I spoke with a Bank of America customer service Representative on # XXXX around XXXXpm EST to assist and review record of an unauthorized payment of {$320.00} in XX/XX/year>XXXX which I did not give permission for. The Bank of America Representative did not indicate she read the notes of the previous date, kept over talking me and on the phone call it is heard she referred to either myself or the situation as crazy and hung up. I called back immediately to # XXXX. I placed a complaint with BOA about the previous representative and the issue of the unauthorized payment of {$380.00}. I requested for recorded calls stemming from ACH payments XX/XX/XXXX and XXXX to be pulled and reviewed as the XX/XX/XXXX was not authorized. I would like this resolved and to be reimbursed {$35.00} for a fee charged by my bank for Bank of Americas error.

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: 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: Chime Financial Inc
State: KS

Complaint narrative:
On XX/XX/year> around midnight my credit card from Chime was stolen out of my vehicle. The thieves charged my card 6 times throughout the night ( {$100.00}, XXXX XXXX, XXXX- {$25.00}, XXXX XXXX XXXX XXXX XXXX XXXX- {$10.00}, XXXX XXXX XXXX XXXX XXXX XXXX- {$34.00}, XXXX, XXXX XXXX {$63.00}, XXXX XXXX, XXXX XXXX {$40.00}, XXXX XXXX XXXX ) When I woke up in the morning and seen the notifications on my phone I immediately froze my card and contacted 911. The XXXX XXXX XXXX ( XXXX XXXX ) gave me a police report number ( XXXX ). After the report was filed and officers left, I disputed the transactions with Chime. However, it has now been denied twice as they arent taking the note of the police report number and contacting the XXXX as instructed. I am not being refunded the money as I should be able to be, as I should be protected as a member of Chime to receive those funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation