vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NV

Complaint narrative:
I HAVE SPOKEN TO FEDERAL STUDENT AID SEVERAL TIMES TO TRACK STAUTS OF CERTAIN CONSOLIDATIONS AND THEY HAVE BEEN NO HELP AND HAVE GIVEN ME BAD INFORMATION ON AT LEAST 5 ATTEMPTS TO GET CORRECT INFORMATION. EVERYTIME I RECIEVED BAD INFORMATION AND REQUESTED A SUPERVISOR THEY WOULD JUST TRANSFER ME TO ANOTHER COWORKER. THIS HAS SINCE PUT ME AT A LOSS IM NOW CONSIDERING GETTING AN ATTORNEY INVOLED.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I requested a settlement from the company, but it was still too high. Consequently, I requested documentation, but now they are informing me that I must wait for 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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
This auto loan began in XX/XX/XXXX and was paid in full in XX/XX/XXXX. For over three years, all payments were made on time with no delinquencies. The account was a joint loan that I entered into to assist another individual. In XX/XX/XXXX, payments became delinquent without my knowledge. I was first notified of the issue in XX/XX/XXXX. Upon receiving notice, I immediately took action to resolve the situation. I brought the account current, took possession of the vehicle, and ensured the loan was fully paid off by XX/XX/XXXX. The payment history reflects late payments of 30 days in XX/XX/XXXX and XX/XX/XXXX, and 60 days in XX/XX/XXXX, followed by a return to current status in XXXX and full payoff in XX/XX/XXXX. Monthly payments on this loan exceeded {$1000.00}. Aside from this isolated situation, I have maintained a perfect payment history across all of my credit accounts. Also to note : my name on the loan was XXXX XXXX. I have since then got married and my last name is now XXXX. I have made multiple attempts to contact XXXX XXXXXXXXntander Consumer USA , including sending written correspondence and emails, requesting a goodwill review of the late payment reporting due to the circumstances and my otherwise strong payment history. I have not received a response or confirmation that my request has been reviewed. I am not disputing the accuracy of the late payments, but I am requesting that the company conduct a proper review of my request for a goodwill adjustment. Given my long history of on-time payments, immediate corrective action once notified, and the fact that the loan was paid in full, I respectfully request consideration for removal of the late payment reporting from XX/XX/XXXX through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Porsche Financial Services on XXXX auto loan accounts. Porsche has recently reported late payments on both accounts. These payments were not missed due to oversight, inability to pay, or neglect. The payments were blocked by my bank ( XXXX ) fraud protection system, which prevented the transactions from processing despite my intent to pay. I have documentation from XXXX confirming that the payments were not completed due to bank-level fraud controls, not customer behavior. As a result, the credit reporting does not accurately reflect my payment history or willingness to pay. The late payments are being reported as if I failed to make payments, when in fact the payments were attempted but prevented by a third-party system outside of my control. This inaccurate reporting has already caused a significant drop in my credit score ( over XXXX points ) and is materially impacting an active mortgage rescore process. I have attempted to resolve this directly with Porsche Financial Services, including escalation to supervisors, but have been told that company policy does not allow removal of legitimate late payments. However, this situation is fundamentally different, as it involves documented external bank interference. I am requesting that Porsche Financial Services : Conduct a formal review of this situation considering the XXXX documentation Submit a correction to all credit bureaus to remove the late payment reporting Ensure that my credit report accurately reflects my payment behavior This is time-sensitive due to an ongoing mortgage financing process. I am prepared to provide all supporting documentation upon request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I maintain a savings account with Citibank ( ending in XXXX ). I either never received my debit card or it was lost in the mail, which has resulted in a complete lockout from my online account. Citibank 's login verification requires debit card information I do not possess, and no alternative verification path is available through their website or mobile app. I have contacted Citibank multiple times via phone and online chat, offering to verify my identity through other established means. Each attempt has been blocked by recurring technical hurdles in their automated verification process. On XX/XX/year>, I formally escalated this matter to the bank 's Executive Response Unit ( ERU ). Aside from automated acknowledgments received on XX/XX/XXXX and XX/XX/XXXX, I have received no substantive response or human contact. There are no Citibank branches in my area, making in-person resolution impossible. This failure across multiple support and escalation channels has left my funds completely inaccessible. I am requesting that Citibank either reissue my debit card to my verified mailing address or provide an alternative verification method so I can regain access to my account.

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I currently have a 0 % APR balance transfer promotion active on my account and regularly carry a balance while consistently paying more than the required minimum payment due each month. Based on my understanding, this should prevent interest charges on my existing balance under the promotional terms. Recently, I used the card to make new purchases. After doing so, I made an additional payment specifically intended to cover the full amount of those new purchases, bringing that portion of my balance to {$0.00}. However, I was still charged interest on those purchases at the end of the billing cycle. Upon review, it appears that Citi applied my additional payment toward the balance transfer portion of my account ( 0 % APR ) rather than the new purchases, which carry a 21.49 % APR. My understanding is that under applicable law, payments exceeding the minimum amount due must be applied to balances with the highest interest rate first. Based on this, I believe the payment allocation may not have been handled in compliance with legal requirements. After speaking with a supervisor, I was informed that, per the cards terms and conditions, I must pay off the entire balanceincluding the promotional balance transferbefore avoiding interest on new purchases. I was further told that interest would apply regardless of my additional payment. I respectfully request that this matter be formally investigated. I am concerned that this practice may conflict with the requirements set forth under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009, and that the explanation provided suggests the terms and conditions supersede federal law, which should not be the case. Thank you for your time and attention to this matter. I look forward to your response.

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I sold an item and shipped it via USPS Media Mail to a buyer named XXXX XXXX. She filed a PayPal dispute claiming she never received the package. This was false. She refused delivery and had the package returned to sender. I have the returned package in hand with a USPS label clearly marked " Return Postage Due = {$5.00} '' dated XX/XX/year> and stamped " Refused. '' Despite my evidence, PayPal ruled in her favor. The fraudulent dispute resulted in a {$19.00} reversal against me, plus I was charged {$5.00} in return postage caused directly by her refusal. Total loss : {$24.00}. I am requesting PayPal reopen and reverse this decision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase closed all of my accounts with no explanation reason or warning. Now they refuse to give me the XXXX dollars I have in my savings account. I have bills that are due and they refuse to give me my money this is mad and makes me so disappointed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Subject : Repeated Reporting of Fraudulent Account by Jefferson Capital Systems , LLC I am filing this complaint against Jefferson Capital Systems , LLC for repeatedly reporting a fraudulent account on my credit report, despite having been provided with clear documentation proving the account is the result of identity theft. This account has been disputed multiple times with both Jefferson Capital Systems , LLC and the credit reporting agencies. Each time, the account has been investigated and subsequently removed. However, Jefferson Capital Systems , LLC continues to reinsert the same fraudulent account back onto my credit report, forcing me into a continuous cycle of disputes and reinvestigations. I have provided a police report documenting the identity theft to both Jefferson Capital Systems , LLC and the credit reporting agencies. Under federal law, this documentation should have permanently blocked the reporting of this fraudulent account. Their actions appear to be in direct violation of the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 1681s-2 ( a ) : Furnishers are required to provide accurate information and must not report information they know is inaccurate. 1681s-2 ( b ) : Requires proper investigation of disputes. Re-reporting previously deleted fraudulent information without proper validation violates this duty. 1681c-2 : Requires credit reporting agencies to block information resulting from identity theft when a valid police report is provided. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 1692e : Prohibits false, deceptive, or misleading representations, including attempting to collect a debt that is not owed. 1692f : Prohibits unfair practices in connection with debt collection. Despite being fully aware that this account is fraudulent, Jefferson Capital Systems , LLC continues to re-report it, causing ongoing harm to my credit profile, financial standing, and personal well-being. Additional information provided by consumer : XXXX Additional information provided by consumer : update company 's name to Jeffersons Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Compass Recovery Group, LLC
State: FL

Complaint narrative:
I received a call from compass recovery group LLC @ XXXX. The collectors name was XXXX. I have a personal answering service. I asked her to leave a detailed message I would get back to her. She stated she couldnt leave too much information, but left her name and the companys name. I was unavailable to speak at the moment. I was out eating breakfast at XXXX XXXX in XXXX, Virginia with my husband. Moments after XXXX leaving a message on my phone she proceeds to call my husband XXXX, XXXX answers the phone, with no understanding of who she is and why shes calling him. she proceeds to give him all the information on my debt account, told him the company it was originally from. and the amount originally credit was. She offered a settlement amount of nothing that I was aware of. And told him he was on the account. Which was a lie. I then enterjected on the call and asked my is he speaking with someone named XXXX he replied yes. I asked him to hand me the phone, I explained to XXXX that she was out of line for speaking to my husband, which is a third-party about an account that has nothing to do with him. She claimed he had every right to know because he and I own a home together, and they will be putting a lien on our home and suing us for payment, she had no right giving out that information. she proclaimed because we both are on the deed that he has every right to know this information and she did not care, As we were out this call created a very uncomfortable environment while out eating and now my husband and I are arguing in public. About a call that could hv been taken care of when i contacted her back. The collector was very unprofessional and should be recommended. My trip was cut short due to her unprofessionalism and I would like reimbursement back of that. Date XXXX XXXX XXXX XXXX XXXX calls my husband again but he didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dell Preferred and Dell XXXX stole my identity and created a new identity for me, then stole a minimum of {$380.00} from my account. I have attached them. They continued to bill me and steal this money for a long period of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 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: AmeriCash Holding LLC
State: IL

Complaint narrative:
I am filing a complaint regarding my loan with SAIL Loans. I received approximately {$1200.00} from this loan. I have already repaid that amount in full through my payments. During a period of XXXX, I fell behind on payments. After my release, I immediately resumed payments in good faith and contacted the company to resolve the account. XXXX advised I coukd forfeit approximately {$2800.00} from my savings associated with the loan. I agreed based on the understanding this would significantly resolve the account. However, after forfeiting these funds, I was informed that I still owe an additional {$900.00} after making XXXX additional XXXX dollar payments. I explained the missed payments n late fees were the problem so upon review all I did was forfeit my savings and get charged an additional XXXX dollars having already given the loan around XXXX dollars back At this point, I have paid or forfeited over {$3000.00} on a {$1200.00} loan. I currently am unemployed and requesting a review of this account for fairness and hardship consideration, including : waiver or reduction of the remaining balance Proper review of fees charged Clarification of how this account is being reported and documentation I am seeking a fair resolution and closure of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX when it first started when person logged into my cash app account and over the XXXX months took out over {$6000.00} of my money and took {$990.00} worth of loans that I had paid back as well without me knowing cause of being incarcerated from dates XX/XX/year> to XX/XX/year> I wouldnt know anything about these transactions cause I dont have access nor anyone else doesnt have access to know these things. My check of {$1500.00} is direct deposited into cash app every month So take that deposit XXXX is the amount Im missing and also {$990.00} loans taking out out of those XXXX months as well its been XXXX days since I have filed account take over and disputed theses transactions and I havent got one update nor anyone with cash app can tell me anything whats going on. They say I have to wait for email

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding a billing dispute that was improperly denied by Comenity Capital Bank related to my XXXX XXXX XXXX XXXXXXXX. I disputed a charge of approximately {$3100.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a sectional recliners that was defective and failed within XXXX ( XXXX ) days of normal household use. The reclining mechanism stopped functioning almost immediately after the furniture was brought into my home. The right arm portion of the sectional also has failing structural damage. The merchant refused to provide a reasonable resolution and instead instructed me to transport the defective furniture to a specific store location for repair. I have since confirmed that the store location they directed me to is permanently closed, leaving me with no viable way to obtain service or repair. Despite this, Comenity Capital Bank denied my dispute after the merchant submitted a receipt stating going out of business all sales final. This response does not address the actual dispute, which is based on defective merchandise, not a return policy. Under the Fair Credit Billing Act, creditors are required to conduct a reasonable investigation of billing errors. In this case, Comenity failed to properly evaluate : That the merchandise was defective and failed within days That the merchant did not provide a functional product That the only proposed repair option was unavailable due to store closure That a final sale policy does not apply to defective goods Additionally, under applicable law, I am entitled to assert claims and defenses against the card issuer for defective merchandise purchased within my state and over {$50.00} in value. Comenity appears to have relied solely on the merchants return policy rather than investigating whether the goods were fit for their intended purpose. I am requesting that Comenity Capital Bank : 1. Reopen and properly investigate this dispute 2. Apply the correct standards for defective merchandise claims 3. Issue a credit for the disputed amount I am prepared to provide documentation including proof of defect, merchant communications, and evidence that the repair location is permanently closed.

Company response to consumer: Closed with explanation