vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I took out a private student loan through Climb Credit to attend XXXX XXXXXXXX 's XXXX XXXX XXXX ( XXXX through XX/XX/XXXX ). XXXX XXXX offers a XXXX XXXX XXXX XXXX XXXX that promises full tuition reimbursement and loan cancellation for students who do not receive a qualifying job offer within XXXX days of program completion, as long as the student meets all eligibility requirements. I completed the program, met all academic and job search requirements, and did not receive a qualifying job offer during the XXXX period. I submitted over XXXX job applications, received XXXX rejections, reached XXXX XXXX XXXX XXXXXXXX ( the required level ), solved XXXX XXXX problems, completed XXXX XXXX XXXX offered through XXXX XXXX, participated in XXXX XXXX attended XXXX XXXX and completed all required mock interviews. I filed my XXXX claim in XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) requested additional documentation. I submitted a comprehensive documentation package on XX/XX/XXXX, including a XXXX XXXX export of all job application emails with timestamps, screenshots of my XXXX and XXXX profiles, calendar invitations showing workshop attendance, and a detailed week-by-week application log. On XX/XX/XXXX, XXXX XXXX confirmed receipt and said I would have an update " no later than Monday, XX/XX/XXXX. '' That date passed with no update. I followed up on XX/XX/XXXX. She responded on XX/XX/XXXX saying it was " taking longer than usual. '' I followed up again on XX/XX/XXXX with no response. She responded on XX/XX/XXXX saying the team is " currently reviewing all data. '' As of today, I still have no decision. Throughout this entire review period, I have been making monthly payments to Climb Credit on this loan. I am losing money every month that XXXX XXXX delays their decision on a guarantee they contractually owe me. The XXXX policy states that for loans through an approved lender, the loan will be cancelled and all payments including interest and fees will be refunded within 120 days of cancellation. I am also aware that the CFPB took action against Climb Credit in XX/XX/XXXX for offering loans for educational programs that were not properly vetted for quality and job placement outcomes, and that a settlement was reached in XX/XX/XXXX. I enrolled in XXXX XXXX through Climb Credit in XX/XX/XXXX, before this action was filed. I am requesting that Climb Credit suspend collection on my loan while the XXXX review is pending, and that the loan be cancelled and all payments refunded once XXXX XXXX confirms my eligibility, which the documentation strongly supports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed dispute for around {$100.00} back in XXXX for passes from XXXX that venue wouldnt honor. Capital one asked asked for evidence saying it wasnt honored. They received screen shots where XXXX had said it was actually refunded by bank, with other emails from groupon customer service saying capital one hax resolved it. Capital one then a month later reversed dispute, took funds back, and denied dispute. They refused to acknowledge evidence, said they didnt receive it, i sent evidence over XXXX times with no acknowledgment. When i reached out to groupon, they have not recieved funds back and capital one told XXXX XXXX XXXX closed. They told me it was closed and stole funds from my account. Where did it go? They refuse to provide proper documentation, refuse to look at exact evidence they asked for, and are with holding funds from myself and the vendor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 2026-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Vanguard Financial Services, Inc.
State: WV

Complaint narrative:
I didnt receive any information about this debt. And if the debt is mine why did it go to my credit report without any notice or communication. Why is this bill under {$500.00} showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: IA

Complaint narrative:
Deposited nearly {$25000.00} several years ago and I am currently trying to access my funds. XXXX XXXX has restricted my access and will not provide a timeline or when/if they will remove the restriction to allow me to transfer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Rocket Mortgage promises to waive my appraisal Fee for an FHA appraisal. They provided in writing that they would cover the fees. They are now holding XXXX the appraisal and refuse to transfer it to my new lender. We have explained that we were unfairly told about a free loan which is deceptive in practice to gain our business and now Rocket Mortgage is holding the information to be sure that I can not get a loan with my new lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AR

Complaint narrative:
I first got the letter from transworld systems and I disputed the account, after that I never got anything else in the mail. I got a few phone call but nothing in writing. They recently called and I asked for validation and they told me they only had to send 1 validation which they done when they got the account, they also refuse to send me a copy of the so called email they got today XX/XX/year> from Grandcanyon saying that my account was valid. I have not seen anything in writing in over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this acc

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Please reference CFPB complaint XXXX. I have on numerous occasions asked XXXX XXXX XXXX written proof of my payment confirmation and settlement of the mentioned account. Although they can tell me that their system shows the account paid/settled to {$0.00}, they have yet to update my credit report. I have expressed to them my urgency due to a mortgage application. I have yet to receive payment and settlement confirmation nor see a update to my credit report although they also informed me updates take XXXX days. They see where my payment was made on XX/XX/year> and cleared my bank on XX/XX/year>. XX/XX/year> made the 60 days since payment. I am not understanding how their system shows everything we are requesting but yet, they can not provide written proof or update my credit report. They are definitely not following the policy and procedures they have set for themselves and it is causing me a great inconvenience.

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
XXXX XXXX Citi Authorized User Account Not Reported I am submitting this complaint regarding an issue with an authorized user account that is not being reported to the credit bureaus. I was added as an authorized user on a Citi credit card account in XXXX. At the time of being added, my Social Security XXXX was not initially included, but it was later provided to Citi in XX/XX/XXXX. I have since contacted Citi multiple times to confirm that my Social Security XXXX, full name, and personal information are correctly associated with the account. Citi representatives have confirmed that : My Social Security Number is on file My personal information matches correctly The account is being reported to the credit bureaus However, despite these confirmations, the account still does not appear on my credit reports with XXXX XXXX XXXX XXXX after multiple reporting cycles. This issue is negatively impacting my credit profile, as the account is not being reflected despite proper authorization and verification. I am requesting the following : 1.A full investigation into why this authorized user account is not appearing on my credit reports 2.Verification that my Social Security Number is properly linked to the reporting data sent to all three credit bureaus 3.Correction of any reporting or matching errors preventing this account from being included in my credit file 4.Confirmation of when this account will be accurately reported across all three bureaus I have made multiple attempts to resolve this directly with Citi but have not received a resolution. I am requesting prompt action to correct this issue. Thank you.

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 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: TX

Complaint narrative:
My private student loan payments with Sallie Mae total approximately {$730.00} per month at a 13.125 % interest rate. My payment was due on XX/XX/year>. Due to a financial transition, I am currently unable to afford the full monthly payment. In XX/XX/year>, I made over {$500.00} in payments toward my loans but still remain partially past due. I have made multiple attempts to contact Sallie Mae by phone to request reduced payment options, interest-only payments, or any available hardship programs to lower my monthly obligation. I was previously granted a short-term forbearance for two months, but I was informed that no additional forbearance or assistance is available for 12 months. Despite clearly explaining my financial hardship and partial payments, I have been told there are no available options and to continue calling back. I am actively trying to stay current on my loans and avoid delinquency, but without access to any flexible repayment options, I am at risk of falling further behind. I am requesting that Sallie Mae review my account for any available reduced payment plan, temporary hardship option, or alternative solution that would allow me to continue making payments without defaulting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Citi XXXX XXXX credit card account in XX/XX/XXXX. Since that time I have made my payments on time or early, never missed a payment or ever been over my limit. When I opened the account the limit was {$2900.00}. In XX/XX/XXXX for no reason that I can understand, they lowered my limit to {$2300.00}. Again in XXXX of XXXX they lowered it again to {$1900.00}. Since they continue to lower my limit every few months, my credit reports show me always being at my limit which lowers my scores. It shows a high utilization which lowers my scores. I have not used this card in over one year. I have locked the card and do not plan to use it. I don't understand this abuse. If I had misused my card or not kept my responsibility according to the credit card agreement that would be one thing. I have not done that. I have an excellent record with Citi XXXX. Why am I being treated this way? Its very very upsetting when you are trying to raise your credit scores. Are they going to continue to do this every few months? They are negatively affecting my scores every time they do this some times as much as XXXX points!!! I don't know what to do, that is why I'm filing this complaint with CFPB. I also tried to call and file a complaint but never hear back.

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 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
Sentry Credit , Inc. is attempting to collect a rental debt from me in the amount of {$4000.00}. However, the court judgment associated with this matter lists the balance as {$2900.00}. Because the amount Sentry Credit is attempting to collect is significantly higher than the judgment amount, I sent the company a written debt validation request on XX/XX/year>. In my letter, I requested documentation showing that Sentry Credit has legal authority to collect the debt, proof that they own or were assigned the account, and an itemized explanation of how they calculated the {$4000.00} balance. As of today, I have not received documentation validating the debt or explaining the difference between the judgment amount of {$2900.00} and the {$4000.00} they are attempting to collect. I am disputing the accuracy of the amount being collected and requesting that Sentry Credit provide full validation of the debt, including proof of ownership and a detailed breakdown of the balance they claim is owed. If they can not substantiate the amount, I request that the balance be corrected to reflect the court judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NC

Complaint narrative:
I was asked to pay {$50.00} for a mobile mechanic to come fix my car. I sent the money to him and he quit replying. Within XXXX minutes I immediately called Chime for a refund and to report a scam and they said they cant get my money back at all. Thats ridiculous. This man can keep on doing this to people. Chime needs to help people who are scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: WI

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC/Resurgent Capital Services is attempting to collect a debt without proper validation, has filed lawsuits without authenticated chain of title, and is reporting disputed debts inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: Experian Information Solutions 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 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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I received a phone call at XXXX pm from XXXX. Before I could answer, I saw it was from Global Lending Services. I answered and they asked for my adult son. I said he did not live with me and I don't know where he is, which is true. She asked me to tell him to call them and rattled off a bunch of numbers. I interrupted her and told her she had no business looking up my son 's possible acquaintances and go around asking about him- inadvertently dragging his reputation through the mud. She should not have asked me to relay a message to my son.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: PA

Complaint narrative:
On XX/XX/year> I called RoundPoint and requested the full Declarations page for the lender-placed wind insurance on my property. I followed up with emails on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/year> I spent XXXX minutes on the phone with their insurance department. I was transferred multiple times before speaking to a supervisor. The supervisor refused to provide the full Declarations page, said he would not send any written refusal, told me I was holding up your phone lines, and then hung up on me. RoundPoint has only sent a one-page Evidence of Insurance document . They have refused multiple times to provide the actual Declarations page from the master policy, which I need to purchase my own coverage and remove the much more expensive lender-placed policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I reported that last XX/XX/year> I was scammed by a company promising an ecommerce store. They took my money and never produced the store. I never made one dime or had any producing store. They refused to refund ANY of my money or help in any way. I told them I was 100 % XXXX and unable to contract with anyone ( XXXX XXXX XXXX XXXXt ) as well. I asked for a reduction in interest as was let go due to my XXXX XXXX and they refused. Capitol One refuses to help in ANY WAY.

Company response to consumer: Closed with explanation