vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 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: CA

Complaint narrative:
My problem started when I needed to consolidate my loans to apply for an XXXX  plan. I applied for consolidation and XXXX  plan on XX/XX/XXXX. Previously having only XXXX as my servicer, my loans were consolidated on to Mohela. Receiving a notice from XXXX about the federal injunction, my loans were then set onto forbearance. I then reapplied for XXXX plan on XX/XX/XXXX. XXXX finally accepts my application on XX/XX/XXXX, and I then set up auto pay. Nothing is happening for Mohela. I called Mohela, which takes several hours to get a representative. They send me a message that about accruing interest during forbearance ( injunction ended ). I try to log in and the website is frequently down. Im now frustrated that I cant make payments on a XXXX  plan. Instead its on forbearance and accruing interest. Sending more confusion, XX/XX/XXXX, Mohela sends me a mail stating my current/original balance but it doesnt reflect my online balance. Its now XX/XX/XXXX and Im reapplying/ recertification for XXXX  plan again for XXXX XXXX Surprisingly, Mohela finally gets back to me XX/XX/XXXX. XXXX has been a great servicer, but Mohela has let my loans rise with interest. Additionally, there is no clear break down on the Mohela page like XXXX. Im still waiting for a payment plan with Mohela and according to online, my forbearance ends on XX/XX/XXXX. I dont know how only 1 servicer has been able to receive and process information efficiently while the other has not. Having my loans accrue like this is unbelievable and almost like a ruse.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am particularly concerned about the implications of these inaccuracies given the recent lawsuits filed against XXXX XXXX XXXX by the Consumer Financial Protection Bureau ( CFPB ) for failing to maintain the maximum possible accuracy in consumer credit reporting. This situation raises significant concerns regarding the accuracy and integrity of the information in my credit report. 
There are clear violations on your behalf within my credit report that have not been removed As per 15 U.S.C. 1681i ( a ) ( 1 ), I am entitled to dispute any inaccurate or incomplete information in my credit report, and I request that you conduct a thorough investigation of the following items that I believe are outdated or erroneous : 1. Outdated Addresses : My credit report lists several addresses at which I have not resided for many years or have never resided. These outdated and false addresses should be removed to accurately reflect my current residence.

2. Late Payments : There are multiple instances of late payments reported that are not accurate.

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ), you are required to investigate and correct or delete any inaccuracies once they are brought to your attention. 
3. Charge-Offs and Collections : The report includes charge-offs and collections that are either outdated or inaccurately reported. According to 15 U.S.C. 1681c ( a ) ( 4 ), accounts that are more than seven years old should not be reported. I believe some of these entries fall into that category and should be removed.

4. Reinserted Accounts : I have observed that accounts previously marked as disputed have been reinserted onto my credit report without adequate verification, in violation of 15 U.S.C.

1681i ( a ) ( 5 ) ( B ). This is concerning and requires immediate correction.

In light of the CFPB 's findings and the aforementioned provisions of the FCRA, I respectfully request that you conduct a comprehensive investigation into these matters and provide me with the results in writing. Additionally, I would appreciate it if you could send me an updated copy of my credit report reflecting the corrections made.

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 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: GU

Complaint narrative:
Subject : Urgent Legal name correction not completed Hello, I uploaded my documents ( SSN card and ID ) for a legal name correction, but I still have not received a response and my XXXX credit card name is still incorrect. 

My legal name is XXXX XXXX. The card shows XXXX ( incorrect ). 
Please : 1. Confirm whether my legal name is updated on my Chase customer profile, 2. Provide the case/reference number and current status, and 3. Reissue my XXXX card with the corrected name XXXX XXXX. 

Please respond with an expected completion date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: Netspend Corporation
State: SC

Complaint narrative:
I recieved a brinks armored debit card on XX/XX/year> in the mail. I never signed up for this card. Called the brinks armored company to be removed from their marketing as that is what I assumed it was and it said card was already activated. Talked to a representative XXXX asked me for my name, then said they would send a verification code to my phone number. The phone number was not mine. The asked for an email address and I gave them my email. They said the information does not match what I gave at which I said that's why im calling. I never signed up for this card and I think somone is using my information. They gave me the information to contact to report fraud.

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 2026-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Portnoy Schneck, L.L.C.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/year> File No : XXXX Portnoy Schneck , L.L.C . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX Re : Notice of Default FDCPA and Unfair Collection Practices Your failure to respond to my written validation request violates the Fair Debt Collection Practices Act, including : 15 U.S.C. 1692g ( b ) Requirement to cease collection until validation is provided ; 15 U.S.C. 1692e Prohibition on false or misleading representations ; 15 U.S.C. 1692f Unfair collection practices. 
Four collection communications have been issued without proper validation. I will seek statutory damages, costs, and any additional relief permitted under federal and New Jersey law. My current damages calculation totals {$11000.00}, subject to judicial review and proof. 
You are hereby given five ( 5 ) calendar days from receipt of this notice to provide proper validation. 
Absent cure, I will pursue all available remedies in the Superior Court of New Jersey, XXXX XXXX. 

Sincerely, _____________________________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I ( XXXX XXXX ) filed a dispute for unauthorized transactions totaling {$2800.00}. These unauthorized transfers consisted of XXXX specific transactions ( {$600.00}, {$320.00}, {$500.00}, {$690.00}, {$300.00}, and {$450.00} ) transferred without my knowledge or consent by XXXX XXXX ( $ XXXX ). 
I provided Police Report XXXX as evidence. Both XXXX and Cash App have failed to meet their legal requirements under Regulation XXXX ( XXXX ) ; they have ignored statutory deadlines for resolution and provisional credit, and neither institution has provided a formal denial letter. 
Furthermore, Cash App has intentionally provided false and contradictory information.They claimed my XX/XX/XXXX emails were never answered, yet on XX/XX/year>, at XXXX AM, Cash App Support sent an email regarding Case # XXXX stating word-for-word : XXXX closed your case because a response was provided or its been more than XXXX  days since XXXX heard from you. '' This email proves that a response was provided, and their attempt to now claim otherwise is a bad-faith tactic to bypass the XX/XX/year>, legal deadline. Despite my documentation, Cash App support improperly insisted on speaking with the perpetrator. XXXX XXXX has since admitted the transfers were unauthorized and explicitly consents to the funds being reversed from his account ( $ kingkcbrown ) back to his balance so that I may retrieve them. 

I have called out both XXXX and Cash App on XXXX XXXX  numerous times regarding these failures, and these situations are gaining public attention. I am requesting that the CFPB hold these institutions accountable for their Regulation XXXX violations and compel Cash App to facilitate the agreed-upon reversal immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Beginning in XX/XX/XXXX, I contacted JPMorgan Chase Bank , N.A . in writing to dispute the reporting of a charged-off credit card account. At that time, a third-party company, XXXX XXXX XXXX XXXX XXXX was simultaneously attempting to collect the same debt and had issued a settlement offer, creating conflicting claims of ownership and authority to collect. 
On XX/XX/XXXX, Chase sent a letter stating that my request did not contain sufficient information and asked that I complete and return a dispute form with supporting documentation. 
On XX/XX/XXXX, I completed and returned the requested dispute form, including a copy of my credit report, identifying information, and documentation supporting my dispute. This package was sent via certified mail and delivered on XX/XX/XXXX. 
In my dispute, I specifically requested : Documented proof of ownership A Bill of Sale or Assignment Agreement if the account was sold Written authorization showing XXXX XXXX authority to collect Documentation of the placement and return of the account Chain-of-title documentation from charge-off to present On XX/XX/XXXX, in response to my prior CFPB complaint, Chase admitted that the account was placed with XXXX XXXX on XX/XX/XXXX XXXX and returned on XX/XX/XXXX. Chase also acknowledged that prior communications did not clarify ownership. However, Chase did not provide any documentary proof of ownership, assignment, agency authority, or chain of title. 
Despite having already received my completed dispute form and supporting documents in XXXX, Chase sent another identical please complete and return the enclosed form letter on XX/XX/XXXX, again claiming it lacked sufficient information to begin an investigation. 
Chase continues to report the account to national credit reporting agencies and continues to send settlement solicitations, while refusing to provide documentation establishing lawful ownership, chain of title, or authority during the third-party collection period. 
Their investigation did not resolve the ownership ambiguity they admitted in their prior response. The central issue documented proof of ownership and chain of title remains unaddressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased XXXX {$50.00} XXXX gift cards from the local grocery store. I intended to use the cards in the event of an emergency or if I wanted to make a purchase that only would accept XXXX. Nowhere on the exterior of the packaging did it state that fees would be levied against the amount on the cards. I recently attempted to make a purchase from a vendor who would only take XXXX. I found out that there were no longer funds on the card. I contacted US Bancorp and learned that they had charged inactivity fees on the cards, even though I had never activated the cards. They refused to replace the cards. This is the only financial institution that has made an issue about replacing gift cards.

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 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My mother died on XX/XX/year>. I was listed as POD on XXXX bank accounts which she held for many years at Wells Fargo. My intention was to open a Wells Fargo checking account with the funds to pay for future expenses for her estate. When I went to the Wells Fargo bank location in XXXX, XXXX XXXX, FL I had my Florida RealID license and my passport for identification. The manager of the bank noted that I was born in XXXX and commented he could not open a checking account for me due to my place of birth. He subsequently called the central office for further guidance. He refused to allow me to open an account because I was born in XXXX. The bank gave me XXXX bankers checks for my mothers funds. They refused to cash them or transfer them to my Bank XXXX XXXX checking account. I stated to them that this was clearly discrimination on the basis of my birthplace. I requested information from them as to which agency I could contact to report my experience. They refused to provide this. I am a United States citizen and have lived in the USA for 59 years. I do not wish this to happen to any other citizen. 
Respectfully, 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 2026-02-15 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/XXXX, a credit of {$280.00} was issued for an undelivered package by my bank. On XX/XX/XXXX, the merchant processed a refund for the same amount. However, on XX/XX/XXXX, an agent at my bank reversed this amount, which is difficult to understand given that the refund was already issued. 

I have had multiple issues like this in the past, including transactions being re-organized, posted on incorrect dates, and out of order. Additionally, I have encountered problems with deposited government issued checks. Whenever I speak to customer service, I do not receive the assistance I need. 

Furthermore, I have reason to believe that the agent who authorized this reversal may have unlawfully transferred my funds to their own account. This action not only betrays trust but may also involve fraudulent activity, which is a violation of Texas Penal Code 31.03 regarding theft. 

I am seeking immediate assistance in locating my funds, as they have not been restored to my account. Please address these recurring issues and let me know how you can assist in rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: MD

Complaint narrative:
Dave Inc was placed on my credit consolidation account. Their account was discontinued as they were placed on my account with XXXX XXXX XXXX XXXX XXXX XXXX. After XXXX had already contacted Dave Inc to let them know that the Dave Inc account was going to be resolved through credit consolidation, Dave Inc went in my account WITHOUT my permission and took ALL the money from my account. I reported them to the bank and the XXXX XXXX XXXX. They want me to send my XXXX over the Internet but has a history of confidential personal information leaks so I did not send it. I'm not paying them when the account is getting resolved through the credit consolidation company. They have been steady harassing me about my XXXX information and won't stop. I need them to stop because the bank and the consolidation are going to handle the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am sending this letter to you in response to a notice I received from you on Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above named XXXX and XXXX. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the XXXX  of XXXX has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and XXXX XXXXt. 

If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX  or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : XXXX  of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: MN

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX- XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
XXXX of XXXX Notice of Conditional Acceptance & Formal Debt Validation Demand Account XXXX Inbox Summarize this email XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me Dear Absolute Resolutions I, This correspondence serves as a Notice of Conditional Acceptance and Formal Demand for Validation regarding Account No. XXXX, currently reporting a balance of {$22000.00}, originally attributed to XXXX XXXX XXXX XXXX and reported as opened on XX/XX/year>. 

This account is formally disputed in its entirety. 

Pursuant to the Fair Debt Collection Practices Act, XXXX XXXX. XXXX, you are required to provide proper validation of the alleged debt. I conditionally accept your claim upon proof of claim and demand strict proof of the following : XXXX. A copy of the original signed agreement bearing the consumers signature. 
XXXX. Documentation from XXXX XXXX XXXX XXXX verifying the original obligation and the date of first delinquency. 
XXXX. A complete itemized accounting of the {$22000.00} balance, including principal, interest, fees, and any additional charges. 
XXXX. A legally sufficient chain of assignment, bill of sale, or transfer agreement evidencing your lawful authority to collect. 
XXXX. Proof that Absolute Resolutions I is properly licensed and authorized to collect in the relevant jurisdiction. 
XXXX. A complete record of all collection activity, communications, and credit reporting actions related to this account. 
XXXX. Confirmation of the applicable statute of limitations and documentation demonstrating that it has not expired. 

Be advised that continued reporting of information that is inaccurate, incomplete, or unverified may constitute violations of XXXX XXXX. XXXX ( false or misleading representations ) and XXXX XXXX. XXXX ( unfair practices ). 

Additionally, this letter serves as a Direct Dispute under the Fair Credit Reporting Act, XXXX XXXX. XXXX ( b ). As a furnisher of information, you are required to conduct a reasonable investigation, review all relevant information, and report the results of your investigation to each consumer reporting agency to which you have furnished data. 

Pending proper validation : - All collection activity must cease ; - The account must be marked as Disputed with all consumer reporting agencies ; - No further reporting, transfer, or assignment of this account may occur. 

Failure to provide adequate validation within XXXX ( XXXX ) days of receipt of this notice will require immediate deletion of this account from all consumer reporting agencies and termination of collection efforts. 

Nothing in this correspondence shall be construed as an acknowledgment of liability. All rights are expressly reserved. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MA

Complaint narrative:
I made a report to chime about XXXX of their XXXX page sent me a XXXX i won a price of {$3000.00} on the XXXX of XXXX they sent me a link to submit my information and i did everything perfectly after I don't receive the money after XXXX weeks they told me to wait for the winnings in my account i called chime i made a report about it because i notice an unauthorized pay anyone transaction on my account again i had to change my phone number to keep my account safety and chime decline my dispute claim please help me I need this money

Company response to consumer: Closed with explanation