vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, a collections account from Jefferson Capital LLC appeared on my credit report with a reported balance of {$640.00}. This account caused a negative impact on my XXXX XXXX, and I was not given proper prior notice of this debt before it was reported. I do not recognize this account and have not received sufficient documentation to confirm that this is a valid debt that I legally owe. There are several issues with this account that raise concerns under federal consumer protection laws : XXXX. Failure to Provide Debt Validation ( FDCPA Violation ) Under the Fair Debt Collection Practices Act, I am entitled to receive proper validation of this debt. I have not received : The name of the original creditor A complete account history Any signed agreement or contract showing I am responsible Proof that this debt was legally assigned to this company XXXX. Lack of Required Notice I did not receive a written validation notice within 5 days of initial communication as required by law. XXXX. Incomplete and Inaccurate Reporting ( FCRA Violation ) Under the Fair Credit Reporting Act, all reported information must be accurate and complete. This account is reporting : Missing or unclear date of last activity XXXX clearly identified original creditor Incomplete account details ( responsibility listed as undesignated ) Questionable payment history and timeline These issues make the account potentially inaccurate and unverifiable. XXXX. Questionable XXXX and XXXX Practices The account shows a date opened of XX/XX/XXXX, and was reported shortly after in XX/XX/XXXX, but lacks clear delinquency history. This raises concerns about : The true date of first delinquency Whether the account is being properly reported or inaccurately characterized as a collection XXXX. No Evidence of Authorization or Agreement There is no documentation showing that I entered into any agreement with this company or authorized them to collect on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
I am filing this formal dispute regarding my loan services, MOHELA due to systematic processing errors and the provision of factual incorrect information regarding my eligibility for ONE TIME ACCOUNT. My loan originated in XXXX, Under the Department of Education. IN XX/XX/XXXX my application to transfer from SAVE PLAN for IDR specifically for IBR was denied -Mohela reason : missing a page. So I applied XX/XX/XXXX /accepted in there system ( attachment below ). I submitted all XXXX from that year from XX/XX/XXXX thru XX/XX/XXXX the later dates still within the 90 day fsa timeline guideline which must within 90dys of application DATE OF XX/XX/XXXX for IDR/ IBR ( attachment ) MOHELA DENIED AGAIN SAYING MY PAYCHECK STUBS EXPIRE ( The truth is they INCLUDED DATES WITHIN 90 day period ) Lombaree-agent at mohela stated mohela has received all paystubs BUT would not answer when I insisted that my documents were within the federal timeline per my application XXXX XXXX ) I submitted the paystubs on XX/XX/XXXX XXXX XXXX. Based on submission Im not in Save Forbearance by choice but were actively transitioning to income base repayment. The EXPIRATION is an administrative delay on MOHELA PART. THEY ARE REQUIRED TO PROCESS APPLICATION IN A TIMELY MANNER. My paystub are not expired and follows the FSA application deadline of 90 daysACCORDING TO FEDERAL STUDENT AID GUIDELINES-income documentation ( attach below ) is generally valid if is current at the time of my application. Im being penalize because my application was process by agent 90 days later but tossing out DENIALS due to agents timeline not due to the Federal regulations. On XX/XX/XXXX, an mohela agent XXXX request me to upload XXXX which I did under duress. They are using SELF CREATED ADMINISTRATIVE DELAY to TO DECLARE MY PAYSTUB INCOME DOCUMENTS ARE EXPIRED. I demand they honor the original submission date. Mohela is blocking a discharge I earned around XXXX ( XXXX yr mark for XXXX loans .. XXXX XXXX XXXX ) MOHELA GIVING FALSE INFORMATION STATING THAT TO BE FORGIVEN I MUST APPLY FOR ( PSLF ) WHICH IS INCORRECT BECAUSE MY LOANS STARTED IN XXXX. I AM ENTITLED TO THE ONE TIME IDR ACCOUNT ADJUSTMENT. The agent XXXX - stated once they process my XXXX it will take around THE MIDDLE TO END OF XXXX A decision will be made. It would an injustice to prolong my discharge. MOHELA IS GROSSLY MISHANDLING MY CASE AND INTENTIONALLY VIOLATING MY RIGHT EVERY TIME I FILED A COMPLAINT WITH CFPB I RECEIVE A DENIAL FROM MOHELA. IT ARRIVES A COUPLE OF MONTHS AFTER EACH CFPB COMPLAINT. IT IS NOT A ONE- TIME ISSUE. MOHELA IS SHOWING A PATTERN WHICH IS HIGHLY PROBABLE THEY ARE RETALIATING BECAUSE IVE CONTACT CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint due to the consumer reporting agencys failure to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the procedures used in its reinvestigation of disputed information. I requested specific details, including the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response constitutes a violation of my rights under the FCRA.

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 2026-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I requested cancellation of a federal XXXX XXXX within the 120-day cancellation window. During that period, the school issued a refund check to an incorrect address, and I did not receive or have access to the funds. I notified the school within the 120-day window that I wished to cancel the loan. However, due to administrative error and delay, the funds were not returned in time. The funds were later reissued and deposited after the 120-day window had passed. Because I did not have possession or control of the funds during the cancellation period, I was unable to return them within the required timeframe. This situation resulted from administrative handling issues rather than borrower inaction. Since then, the school has stopped responding to my communications. I also submitted a complaint to Federal Student Aid ( Case # XXXX ), which remains unresolved. As a result, I am being held responsible for a loan that I attempted to cancel within the allowable period but could not due to circumstances outside my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I am XXXX XXXX XXXX. On a very cold XXXX in XXXX, my home furnace stopped working. I contacted a local company called " XXXX XXXX, XXXX. '' I was freezing and so under duress I signed a loan with them for {$11000.00}. that woudl be paid to Wells Fargo. The other day, XXXX replaced the furnace, and disposed of the old one. But the other day, I discovered that I was still under warrenty for the old furnace. XXXX XXXX should have informed me of that, but they didn't. I have written them to contest my loan. I've also contacted Wells Fargo and requested them to place the payments of the loan on hold, until this matter is resolved, but their supervisor, XXXX, refused to, and was very condescending and dismissive of my claim.

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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime closed my account without any explanation or letting me know ahead of time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
RCW 74.34 The Collection of Funds from a Vulnerable Adult for Debt is a violation of State Law. The loan amount has been paid. The remaining balance is a scam by Shellpoint collecting payments of interest and late fees from my mentally XXXX son. He provided his bank account card information to your representative and has been having his entire bank account taken for the past few years now. He receives approximately {$2200.00} each month from Social Security XXXX and each month his monthly payments to Shellpoint. Please review this law RCW 74.34 The Collection of Funds from a Vulnerable Adult for Debt is a violation of State Law.

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 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I have XXXX different promotions with XXXX credit card XXXX. Is a XXXX month lawnmower XXXX. Is a XXXX month 0 % {$710.00} ( XXXX safe ) XXXX. Is a XXXX month 0 % {$1200.00} ( credit card rollover ) with a {$60.00} charge for rolling the card over. I called Citi to get the payoff for both 12 months 0 % and I was told I could pay off both 12 month promotions a total of {$1900.00}. They gave me the total but said I would have to make an original payment first {$140.00} before the payment for the XXXX promotions could be paid even though it wasn't due till XX/XX/XXXX and this was XX/XX/XXXX and I had already made a over payment of {$180.00} on XX/XX/XXXX. I went ahead and made the extra payment.They took my money and would not allocate it to the XXXX XXXX month promotion and said they could only pay the XXXX safe off, and all other payments would have to go to the XXXX month promotion and be paid off before any money would be allocated to the rollover. I disputed and never heard anything so every day I would send money to pay off the XXXX XXXX and when it got down to around XXXX or something like that they send {$1200.00} back to my account on XXXX and I immediately sent it back. Now it shows I owe XXXX on the XXXX month and {$200.00} something on the rollover.

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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding identity theft involving a Navy Federal Credit Union membership and checking account that I did not open, authorize, or benefit from. According to Navy Federal Credit Union, the account was opened on XX/XX/XXXX and later closed on XX/XX/XXXX with an overdraft balance. I dispute this account entirely and maintain that it was opened fraudulently using my personal information. I previously submitted a complaint through the Consumer Financial Protection Bureau regarding this issue. The company responded but did not resolve the matter, and the fraudulent account remains associated with my identity. Since that time, I have filed a police report with the XXXX Police Department documenting this identity theft ( Report Tracking Number XXXX ), which is attached to this complaint. I have formally notified Navy Federal Credit Union that this account was not opened or authorized by me and requested documentation regarding the alleged account opening. However, the institution has not resolved the matter and the fraudulent account continues to affect my ability to open a legitimate account. As a result of this unresolved identity theft issue, I have been denied the ability to open a legitimate account with Navy Federal Credit Union. As a victim of identity theft with a filed police report, I am requesting that Navy Federal Credit Union conduct a proper identity theft investigation and permanently remove this fraudulent account from my identity, including correcting any internal records and any third-party reporting systems associated with this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.

Complaint narrative:
Im submitting a formal complaint regarding this fraudulent account that have been reported on my credit file. I have multiple accounts honestly, and these accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. I believe this account is fraudulent and the result of identity theft due to unauthorized access or misuse of my personal information. I am a victim of a known data breach and human trafficking and I did not engage in any transaction that would create this debt. I request investigation and deletion of this account from my credit report under the Fair Credit Reporting Act. I am enclosing documentation supporting my identity theft claim Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : XXXX. All information reported to consumer reporting agencies must be accurate and verifiable. XXXX. Consumer reporting agencies must investigate disputes within 30 days of receiving notice from a consumer regarding inaccurate information. XXXX. Any information that can not be verified as accurate must be removed from the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
Filed dispute on XX/XX/year> with Chime Bank for {$830.00} in total of unauthorized transactions on my checking account from ( onlyfans.com ). All charges were done overnight on XX/XX/year> without my knowledge or authorization. Chime declined to conduct investigation or supply documents supporting the decision on the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I C System was contacted earlier this week. They were paid in full and said they would updated the account and remove it from my report in XXXX days. The account was originally reported to XXXX now its reporting to the other XXXX bureaus XXXX and XXXX. I demand this be removed for violating FCRA 1681e ( b ). Failure to correct or delete immediately will be considered willful noncompliance.

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 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a Citi XXXX Credit Card ( ending in XXXX ). My account fell behind in late XXXX. Citibank offered me a XXXX XXXX XXXX through their mobile app. I enrolled and the app confirmed : You are on a XXXX XXXX XXXX. Your second payment amount of {$47.00} is due by XX/XX/XXXX. The app also displayed : Your account is currently enrolled in a payment arrangement. I have a screenshot of this confirmation. I set up autopay for {$48.00}, which was more than the required {$47.00} arrangement amount. The regular minimum payment was {$130.00}, so Citibank had agreed to accept the lower amount as part of the arrangement. On XX/XX/XXXX, the {$48.00} autopay was returned. The return code was XXXX, which means account closed. The payment had been linked to a XXXX checking account that I had previously closed. This was a bank routing error not insufficient funds and not a refusal to pay. On XX/XX/XXXX, Citibank charged me a {$30.00} returned check fee. On XX/XX/XXXX XXXX days later I made a replacement payment of {$48.00} from a valid bank account. Citibank accepted it. My statement shows ONLINE PAYMENT, THANK YOU for that transaction. On XX/XX/XXXX, Citibank closed my account. The remark on my credit report reads Account closed by credit grantor. On XX/XX/XXXX, Citibank charged {$6.00} in interest on the closed account. The statement balance is {$4300.00}. My credit report now shows : payment status XXXX days late, {$85.00} past due, XXXX times XXXX days late, XXXX time XXXX days late, and the account closed by credit grantor remark. I was enrolled in a payment arrangement that Citibank offered and confirmed through their own app. I had autopay set for more than the required amount. The one returned payment was caused by a closed bank account, not a lack of funds. I corrected it within XXXX days. Citibank still closed my account and reported derogatory information. When looking on the account I don't see a letter or notice that was ever generated from this process apart from the app stating I'm on a XXXX XXXX XXXX. The arrangement was set up entirely through the Citi mobile app with no documentation of what would happen if a payment was returned.

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 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A transfer was made into my personal bank account that appeared on my statement only as Phone Transfer. The transaction description did not identify the originating account holder or organization. This transfer later became the basis for a criminal allegation against me. An organization reported the transaction to law enforcement as a theft and alleged that I had taken the funds. As a result, I was accused of theft and prosecuted. Because the transaction involved my personal bank account and directly affected me, I requested records from TD Bank to understand how the transfer was initiated. Specifically, I requested documentation that could identify : the origin of the phone transfer authentication used to authorize the transaction call logs or transaction records associated with the telephone banking request TD Bank refused to provide these records and stated that the information could only be obtained through a lawyer or subpoena. The criminal case related to this allegation was later dismissed in XX/XX/year>, and the funds at issue were restituted in XX/XX/year>. However, during the investigation and prosecution no bank authentication records identifying who initiated the phone transfer were presented. Because the transaction directly affected my personal account and had serious legal consequences for me, I believe the bank should provide basic information explaining how the transaction was initiated and authorized. I am requesting that TD Bank explain : -why records related to a transaction affecting my account were withheld -what records exist identifying the origin and authorization of the phone transfer and provide copy to me and the relevant authorities to demonstrate who did the transaction -whether TD Bank maintains XXXX XXXX or call records related to the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
Paid off in full website XXXX but ended up XXXX with fee. Now they adding more fees on the credit report

Company response to consumer: Closed with explanation