vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 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: MA

Complaint narrative:
My records on studentaid.gov are inaccurate and contain false information. Their records state that an unsubsidized federal loan, that was disbursed in the XXXX academic year, that I paid off in XXXX, is affiliated with a school I did not take out loans for nor did I attend until XXXX. I believe my records were mishandled by one of my servicers, either my current servicer XXXX or one of my previous servicers ; XXXX XXXX or XXXX. The loan in question is affiliated with XXXX. I did not take out a loan for the degree I received at XXXX XXXX, neither private nor federal and I should not have any records indicating I do. Additionally, I previously applied for PSLF, from working close to 10 years in education. My loan provider states that a small fraction of the payments I made over a decade qualify for PSLF and I believe this to be inaccurate and a miscalculation.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by XXXX on my consumer credit reports. This account is being reported with conflicting and unverifiable information across multiple credit bureaus, which raises serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the payment history associated with this account is inaccurate. XXXX and XXXX report multiple XXXX and XXXX late payments, while XXXX reflects no late XXXX at all for the same account. This contradiction clearly demonstrates that the information being furnished is not accurate or consistent, as required under 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy in credit reporting. Additionally, the reporting of these late payments constitutes a billing error under 15 U.S.C. 1666, as the payment history does not accurately reflect the true status of the account. Any late payments being reported must be supported by proper documentation and consistent reporting across all consumer reporting agencies. At this time, the discrepancies indicate that the late payment information is unreliable and has not been properly verified. Further, the account status itself is being reported inconsistently. XXXX bureau reflects the account as positive, while others report it as negative, despite the account having a XXXX balance and being closed. This creates misleading and inaccurate account information that negatively impacts my credit profile. Under 15 U.S.C. 1681s-2, furnishers are required to provide complete and accurate information to all credit reporting agencies, and the inconsistencies present here demonstrate a failure to meet that obligation. I have made good faith efforts to address this matter ; however, the inaccurate information continues to be reported. I am requesting that XXXX conduct XXXX thorough investigation into this account, provide documentation supporting the reported late payments, and ensure that all information being furnished is accurate and consistent across all bureaus. As a resolution, I am requesting that this account be corrected to reflect Paid as Agreed with the removal of all inaccurate late payments. If the furnisher is unable to verify the accuracy of the reported information, I request that the account be deleted entirely from all credit reporting agencies. This inaccurate reporting is causing harm to my creditworthiness, and I respectfully request that this matter be resolved promptly in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I applied for a Citi credit card under a deferred-interest promotional offer. The terms required the full principal balance to be paid before the promotional period ended to avoid retroactive interest charges. I made consistent payments above the minimum until I experienced an unexpected job loss, which prevented me from paying off the remaining balance before the deadline. When the promotional period ended, Citi applied a large retroactive interest charge to my account. I contacted Citi to explain my hardship and request relief. The representatives only resolution was to pay the full remaining balance within 30 days. When I stated that was not financially possible, no alternative assistance, hardship program, or payment arrangement was offered. Since securing new employment, I have resumed payments above the minimum balance each month in good faith. I contacted Citi a second time to request a goodwill interest adjustment given my circumstances and payment history. I was told there was nothing they could do. I am requesting that the CFPB review whether Citis deferred-interest practices and their failure to offer hardship accommodations are consistent with fair lending standards. I am also requesting that Citi provide a meaningful response regarding interest relief or a hardship arrangement.

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 2026-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: FL

Complaint narrative:
My loan from Sallie Mae was charged off on XX/XX/year>. The people at Sallie Mae told me that my loan was sold to XXXX XXXX in Virginia. I called XXXX at XXXX and they have no information on me or the loan that Sallie Mae sold to them. In the meantime Sallie Mae is charging me {$2600.00} in interest and fees to transfer this loan to XXXX. The principal is XXXX, and the total sum they now want is XXXX, XXXX. Interest is piling up. All I wanted is a payoff figure so this loan can be paid in full. I have been calling each company back and forth every day for XXXX weeks and none of them can help me and send me a payoff letter. By the way, the original loan amount was XXXX. I just graduated last year with my XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
As part of the {$790.00} fee, Chase advertises XXXX {$10.00} off grocery orders and {$5.00} off restaurants orders each month from becoming a XXXX XXXX member. However, now XXXX has implemented a policy that essentially makes this a XXXX % off or less discount by making you have a {$20.00} order minimum on pickup orders. There is no mention of this policy in the Chase alert and XXXX made this change without a policy update. I talked with XXXX service and they told me that too many people are using the credit and that is why they made this update. Chase should not be advertising this credit as is as it is misleading. They touted this credit as a factor leading to the price in trade. The arrangement needs to be discussed with XXXX or Chase needs to update their benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX XXXX 's student misconduct around XXXX. My federal loans have already been XXXX for this misconduct. I submitted a XXXX XXXX XXXX XXXX XXXX application to XXXX in XX/XX/XXXX as soon as I found out that I was eligible and again in XX/XX/XXXX both applications were for the same direct-to-school loan. Despite providing my XXXX XXXX XXXX as legal proof of misconduct, a long with information on how the school lied to me about transferring credits, job placement opportunities and much more. XXXX denied me for 'lack of evidence ' without specifying what evidence is missing. This is an arbitrary denial of a valid claim. As the loan was disbursed directly to XXXX XXXX XXXX, an institution the Department of Education has found engaged in widespread systemic fraud during my enrollment, there is a legal presumption that this loan is eligible for discharge under the same findings that cleared my federal debt. I have reached out to Naviant and XXXX many times trying to reason with them about this issue but they have been no help at all and In fact their lack of concern for what XXXX XXXX did to me has allowed XXXX to ruin my credit. I originally had a XXXX credit score that has been drug down to low XXXX wreaking havoc and causing denials because of what XXXX has reported. The monthly amount of this loan is {$310.00} in which i can not afford. The total payoff for this loan is around {$15000.00}. I have already paid way to much to XXXX for a loan I should not owe over all these years and this issues has to come to a stop. This feels like predatory lending practice by Naviant and XXXX .This is not right nor fair that XXXX can do this to an innocent women that was deceived into taking out a school loan by the staff at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
I have been paying on my student loans as a teacher in public schools since the XXXX school year. Barring a year and a half XXXX while I was in school for my XXXX, my consolidation should have hit the XXXX payments in XXXX of this year. However, I have been on XXXX XXXX ( an XXXX XXXX none of us asked for and which can not count for repayment unless XXXX is applied ) since XXXX. I have since applied for XXXX but recent reports have shown that only roughly XXXX applications processed and a backlog of roughly XXXX applicants still exist. In the meantime, we are being told to move to new plans that are significantly and prohibitively more expensive than the XXXX itself -- which is buying back periods of XXXX we never asked to be on in the first place. All the while these loans stay on my credit report, negatively affecting my credit and doing real harm to my financial opportunities at a time when my family is looking at buying a new home. I simply want to either complete my buyback or have the XXXX XXXX count towards my forgiveness and ultimately see my XXXX processed in a timely manner rather than the currently estimated XXXX years before pursuing further legal remedies.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding an account they are reporting on my credit reports with XXXX XXXX XXXX XXXX I formally disputed this account and requested proper validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. LVNV Funding LLC has failed to provide adequate documentation to validate this alleged debt. Specifically, they have not provided : * A signed contract or agreement bearing my signature * Proof of legal assignment or ownership of the debt * A complete and accurate accounting of the alleged balance Despite this, LVNV Funding LLC continues to report this account to the credit bureaus, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ) for reporting unverified and inaccurate information. Additionally, I requested the method of verification used by the credit bureaus, and no sufficient response has been provided. This account is also being serviced by Resurgent Capital Services, creating potential duplicate or misleading reporting. I am requesting the following resolution : * Immediate deletion of this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX * Written confirmation of deletion * Cease all collection activity on this account LVNV Funding LLCs failure to properly validate this debt and continued reporting of unverified information is causing harm to my credit profile and financial standing. I request that the Consumer Financial Protection Bureau investigate this matter and ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported by Midland Credit Management. The account listed as XXXX appears on my credit report and I previously disputed this matter on XX/XX/year> Despite my dispute, the company has continued to report this account as accurate without providing sufficient documentation to support their claim. This has negatively affected my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to dispute the validity of a charged-off account in the amount of {$370.00}. I have reason to believe this account was opened and used fraudulently and without my knowledge or authorization. This debt is not mine and appears to be the result of identity theft. I did not open this account, nor did I authorize any transactions associated with it. As such, I am requesting immediate removal of this account from my credit file and a full investigation into the matter under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), where applicable.

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 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Revolut Technologies Inc.
State: CT

Complaint narrative:
On XX/XX/year>, {$1400.00} was removed from my Revolut account as a transfer to my linked external bank account. This transfer was for the exact amount that I had deposited into my Revolut account. It stated that the transfer would arrive by XX/XX/year> I never received these funds in my external bank account. As of today, more than XXXX weeks later, the transfer has still not been credited. The external bank account is now closed, and I no longer have access to it. I have been trying to resolve this issue continuously since XX/XX/year>. Revolut has repeatedly denied my claims, failed to locate the missing funds, and has not provided any explanation as to what happened to my money. I have not received a trace number, XXXX confirmation, or any proof that the transfer was successfully completed. They have also refused to provide proof of where the funds were sent or any trace details for the transaction. At this point, my money has effectively disappeared between financial institutions, and I have no access to it. I am requesting that Revolut : XXXX. Provide proof of where the {$1400.00} was sent, including full transaction trace details XXXX. Initiate a trace or recall of the transfer immediately XXXX. Reimburse the full amount if the funds can not be located Revolut has failed to safeguard my funds and has not complied with basic consumer protection expectations regarding fund transfers and error resolution. This situation has caused financial harm and distress, and I am requesting immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In 2024 I started a XXXX job. I was banking with chase bank because I couldnt open XXXX with XXXX ( Filed with CFPB ). I had a few accounts as well as a couple of checking accounts because I opened accounts up for my children as well. I wanted to open up a XXXX checking got my self to have my direct deposits go into the account got my XXXX job. Chase Bank closed all my accounts and permanently band me for no reason. They would really proved me a reason but that it was suspicious activity and again would allow me to explain or defend myself. All I was trying to go Id be responsible and open an account for my direct deposit for my XXXX job. These banks are ridiculous I didnt do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/2026, XXXXlavon terminated two of our merchant accounts one for our primary business and one for a related entity with no warning, no explanation, and no opportunity to respond. The only communication provided was a vague statement that our accounts were " too risky '' following a periodic review. Both accounts had XXXX chargebacks, XXXX disputes, and XXXX violations. On XX/XX/2026, Elavon pulled {$20000.00} from our business bank account via unauthorized XXXX debit with no advance notice. We had not authorized this withdrawal. We filed an emergency dispute with our bank, which ruled in our favor and returned the {$20000.00}. Also on XX/XX/2026, a customer payment of {$7900.00} was in an authorized but unsettled state at the time of termination. Elavon subsequently sent a letter stating they were establishing a security reserve and would not release funds. After multiple unanswered calls and emails to their Loss Prevention analyst, we were eventually told the transaction never settled and would fall off the customer 's card automatically. Elavon 's actions caused immediate and serious financial harm disrupting an active customer transaction, forcing an emergency bank dispute to recover our own funds, and leaving our business without payment processing capability with no warning or recourse. Elavon has refused to provide any written explanation for the termination of either account despite repeated requests.

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 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing in response to an account that has been reported under my name. I dispute this debt in its entirety, as it is not mine and I have no knowledge of it. Additionally, I was never contacted by your company regarding this alleged debt prior to its appearance on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor A copy of the original contract or agreement bearing my signature A complete payment history on the account Proof that your company is legally authorized to collect on this debt Furthermore, I request that you cease and desist from all communication with me regarding this matter except to provide the requested validation or confirmation that this account has been removed from my credit report. If you are unable to provide proper validation, you must immediately delete this account from all credit reporting agencies. Please be advised that reporting or continuing to report inaccurate information may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing this complaint against Caine & Weiner Company , Inc. regarding an alleged debt they are attempting to collect and/or reporting on my credit report. I formally disputed this account and requested validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. However, Caine & Weiner Company , Inc. has failed to provide adequate documentation to validate this alleged debt. Specifically, they have not provided : * A signed contract or agreement bearing my signature * Documentation proving their legal authority to collect the debt * A complete and accurate accounting of the alleged balance * Proof of assignment or transfer of the debt from the original creditor Despite the lack of proper validation, they have continued collection efforts and/or reporting this account to the credit bureaus. This constitutes the reporting of unverified and potentially inaccurate information, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, I requested the method of verification used for this account, and no sufficient response has been provided. This conduct is causing harm to my credit profile and financial standing. I am requesting the following resolution : * Immediate deletion of this account from all credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX if applicable * Cease all collection activity on this account * Written confirmation that this matter has been resolved I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that Caine & Weiner Company , Inc. complies with all applicable federal laws.

Company response to consumer: Closed with explanation