vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I was not provided with XXXX, XXXX as not reported to the IRS. IRS transcript doesnt show on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Zip Co US Inc.
State: IN

Complaint narrative:
On XX/XX/year> I was a victim of an unauthorized phone XXXX swap through XXXX XXXX which allowed the hacker to gain full access to my phone. They were receiving all of my text messages due to me losing immediate cell phone service. They were able to access all of my apps and emails and were able to change passwords to the apps and for my email since they were receiving the one time authentication codes. Within minutes the hacker was able to gain access to three different applications placing unauthorized transactions and causing financial distress. Those three applications were XXXX XXXX, XXXX and ZIP. The hacker was able to login into my XXXX XXXX account and under the borrow feature which is essentially a loan, and send themselves a {$600.00} payment with an added {$30.00} fee totaling {$630.00}. They also tried to request an additional {$600.00} but I was able to deny that request as they were requesting it, making their second attempt unsuccessful. I will attach a screenshot from cash app that will show XXXX different names which is not associated with my account and it also shows a new device login since it was an unrecognized login/location. The two names that you will see are XXXX XXXX and XXXX XXXX. Those are the two fraudulent transactions. For XXXX and Zip these two apps were also fraudulently accessed again by changing the login information since they received the one time codes. They made several purchases on these two apps purchasing several different gift cards. The XXXX and ZIP apps are apps that you can either make these purchases and pay them in full or you can pay them off in monthly installments. The ZIP app all the purchases that were made were paid for in full, there were no leftover installments. For the XXXX app the hacker made several purchases but with all those purchases they only paid the first installments of the purchases leaving the remaining installments still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I do not owe Jefferson Capital Systems any debt. Jefferson Capital Systems is a third-party debt collector and has not provided any documentation establishing that I have a legal obligation to them. I have no contract or agreement with this company. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I dispute this debt in its entirety and request proper validation. Jefferson Capital Systems has failed to provide sufficient evidence of the alleged obligation, including proof of ownership of the account, a valid chain of assignment, or any agreement bearing my signature. Furthermore, under FDCPA 15 U.S.C. 1692e, a debt collector may not use any false, deceptive, or misleading representation in connection with the collection of any debt. Reporting an unverified and inaccurate account to consumer reporting agencies constitutes misleading representation. Additionally, under FDCPA 15 U.S.C. 1692e ( 8 ), a debt collector must not communicate credit information which is known or should be known to be false, including the failure to communicate that a debt is disputed. This account is being reported on my credit report without proper validation and is inaccurate. This account has also continued to appear through different collection agencies, causing repeated harm to my credit. I am requesting the following : Immediate deletion of this account from all consumer reporting agencies Cessation of all collection activity pursuant to FDCPA 1692g ( b ) until proper validation is provided Written confirmation that this account will not be resold or re-reported If Jefferson Capital Systems can not fully validate this account and prove that I owe them specifically, they must remove it from all consumer reporting agencies. Failure to comply will result in additional complaints being filed with the Consumer Financial Protection Bureau and other regulatory agencies. I am requesting written confirmation of deletion from XXXX and XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
Complaint Against Navient Inaccurate Credit Reporting During CARES Act Forbearance I am submitting a complaint regarding inaccurate credit reporting by Navient related to a federally held student loan. Timeline of Events : - XX/XX/XXXX XX/XX/XXXX : My federal student loan was subject to payment suspension and required credit reporting as current under the XXXX XXXX. - XX/XX/XXXX : Account reported as 90 days delinquent. - XX/XX/XXXX XX/XX/XXXX : Account repeatedly reported as XXXX days delinquent. - XX/XX/XXXX : Account reported as XXXX days delinquent. - XX/XX/XXXX : I sent a formal written dispute to Navient via certified mail, disputing these inaccuracies and requesting correction, investigation, and notification to credit bureaus. - As of XX/XX/XXXX : No response has been received from Navient. Issue : The reported delinquencies occurred during a federally mandated forbearance period when payments were not required and accounts were required to be reported as current. These negative marks appear on credit reports from Equifax, Experian, and TransUnion. Additionally, Navient failed to respond to my written dispute within the timeframe required under the Fair Credit Reporting Act. Actions Taken by Me : - Reviewed credit reports and identified inaccurate delinquency reporting - Sent a formal dispute via certified mail on XX/XX/XXXX - Provided supporting documentation ( credit report entries and federal guidance ) Actions Taken by the Company : - Reported delinquent payment statuses during a protected forbearance period - Failed to respond to a formal written dispute for over 11 months Requested Resolution : - Correct all inaccurate delinquency reporting from XX/XX/XXXX through XX/XX/XXXX to reflect a current status - Notify all consumer reporting agencies of the corrections - Provide written confirmation that the corrections have been completed These inaccuracies have negatively impacted my credit profile and should be corrected in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I am filing a formal complaint against Capital One for ongoing harassment, violation of my consumer rights, and failure to comply with my explicit cease-and-desist instructions. Despite multiple prior communications, Capital One continues to send mail and attempt contact at an address where I do not reside : XXXX XXXX XXXX XXXX, CA XXXX United States I have clearly informed Capital One numerous times that : XXXX. I do not live at this address. 2. I no longer reside in the United States. 3. All correspondence must be directed to my current international address ( provided to them directly ). Their continued contact with this address is not only negligent but has resulted in harassment of an elderly individual living at that residence who suffers from XXXX and believe you are trying to XXXX XXXX ( per her care taker contacting me to receive my mail ) This conduct is unacceptable and raises serious concerns regarding privacy violations, failure to maintain accurate records, and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. Furthermore, I have explicitly instructed Capital One to cease all contact with that address. Their failure to comply demonstrates a disregard for my legal rights and the well-being of a vulnerable individual. Resolution Requested : * Immediate cessation of all mail and contact directed to XXXX XXXX XXXX, XXXX, CA. * Confirmation that my address has been permanently updated in all Capital One systems. * Redirection of all future correspondence exclusively to my correct international address. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX * Written confirmation that Capital One has taken corrective action to prevent further incidents. * Investigation into why prior requests were ignored and what safeguards will be implemented moving forward. If this behavior continues, I am prepared to pursue further legal remedies, including facilitating a restraining order with the individual you are harassing and civil action due to harassment and privacy violations. As I am consumer with rights to privacy. Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding LoanDepots handling of my Notice of Error and their subsequent response. I previously submitted a Notice of Error dated XX/XX/year>. LoanDepot now claims that they responded on XX/XX/year> by mailing a response to my address. However, I did not receive any such response. I consistently receive other correspondence from LoanDepot at my correct mailing address, including billing statements. The fact that I did not receive this specific response raises serious concerns about whether it was properly sent or delivered. In their prior CFPB response, LoanDepot provided a copy of a letter and referenced a shipping label, but this does not establish that the contents were actually delivered to me. Additionally, the substance of their response does not fully address the issues raised in my Notice of Error. My request sought a complete and accurate accounting of my loan, clarification of servicing practices, and supporting documentation. Instead, their response primarily focuses on a prior trial payment plan and does not fully resolve the concerns I raised. I am also concerned that I was not provided with a meaningful opportunity to complete loss mitigation options. I was experiencing financial hardship and attempting to work toward a resolution, but I do not believe the process was handled in a clear or fair manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA XXXX is a debt collector. They are falsely reporting on my credit!! 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. I use to live in an apartment complex on section 8 house, i had to sign a move out form from the office manager to turn in to XXXX XXXX XXXX and the apartment complex allowed me to move. My case manager XXXX email as well stating XXXX authority didnt owe any money to them. when you are on XXXX XXXX you will not be allowed to moved if a balance is owed. years after moving the new office manager started reporting a balance the previous office manager never reported. remind you im not the only person that lived in XXXX XXXX they did like this. I have reached out for years and they still didnt resolve my issue. they constantly ignored my concerns after i provided proof. the paper i provided with the address XXXXXXXX XXXX XXXX was the new address i moved to in XX/XX/year>, there was no way i still resided there and in my new place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One credit card services has had a massive data breach today my account was hacked not once but twice today where my password and username was changed I was notified via email this morning I called Capital One we canceled the credit card no charges had been made we issued a new credit card change my password and username then this afternoon I was hacked again when I talked to the service rep they said they've been getting thousands of calls that I wasn't the only one that they've been getting calls all day long like this I asked him if they had reported it yet and they said they had not which they are required to do by law I wanted more information on what they were doing to shore up this huge security issue and data breach and they had no answers and told me they would not be able to get back to me with any resolution I had to create a second step verification process as a security to try to stop the hacking and I also had to freeze my online account but other than that those were actions I took but they have provided no Solutions or answers on this massive data breach nor have they reported it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: TX

Complaint narrative:
My federal student loan was fully discharged under the XXXXXXXX XXXX XXXXXXXX settlement. I have the official discharge letter from the Department of Education. I have sent this letter to MOHELA multiple times in XXXX including as recently as this month. I have also repeated called MOHELA and uploaded the letter to their website as they asked me to do. Despite this, MOHELA continues to report the loan as active on my credit reports with a balance of {$74000.00} and is sending me demand letters threatening further credit damage if I do not pay by XX/XX/XXXX. This is a fully discharged debt. MOHELA to immediately remove this from my credit reports, stop all collection attempts, and place my account in forbearance until they correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I opened a CareCredit account ( Synchrony bank ) with a 24-month promotional financing offer and was led to believe that monthly payments would pay off the balance within that period. Payments were set up automatically and made consistently via autopay. However, I was not clearly informed that the required payments were insufficient to fully amortize the balance. In fact, I was assured of the opposite. Today I discovered that the promotional period ended and was charged approximately {$10000.00} in deferred interest. I immediately called the bank and paid the remaining balance in full. The agent on the phone assured me that she would waive the fee but then went on hold and came back saying that she wont be able to do that as grace period ended yesterday. I explained situation. I also explained that this text on deferred interest is not visible on email notifications that had been sent. You have to create an account, log in and see actual statement. As payments were automatic and I always received a notification via email, I didnt feel the need to log in to view actual statements. I am requesting a goodwill reversal of the deferred interest because : * I acted in good faith and made regular payments * The payment structure was unclear and misleading * I paid the full balance immediately upon discovery I am seeking a fair resolution and removal of the retroactive interest charges. I am a single mother with XXXX little children. My ex-husband doesnt pay child support and Im a sole provider for the family. XXXX $ will cause unbearable burden on me. I hope that interests can be removed as due date was XXXX XXXX and I discovered XXXX XXXX and immediately took actions. Sincerely 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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There are XXXX online transactions from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX between XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX that I don't recognize or gave any permission to anyone. I have not received anything to my address from these purchases. I went ahead and locked the card to prevent future charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi when you guys remove the hard inquiries can you make sure its being removed from XXXX and XXXX and XXXX Because there only taking it off on XXXX instead of everything else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
on XX/XX/year> I was trying to pay my first nationaXXXX XXXX XXXX XXXX credit card. I opened a home equity loan from my bank named XXXX XXXX. The loan was supposed to pay my credit card balance however it didn't happen and I went to my branch to try to take care of it. The bank tried to help me by calling credit card company and they hung up on me. I was upset because they hung up on me and my payment was late. I drove home from the bank and called the First National Bank of Omaha again with my cell phone since I don't have a landline anymore. As I talked to one credit card rep she asked for my password and I couldn't remember it because I was flustered. My wife then located our password and they verified it was me. However this is where I find out the XXXX rep had blocked me from my account from the first initial call from my bank. At this point I am beyond upset and confused. They XXXX rep asked for me to send my driver 's license front and back plus a photo of my face. I comply and it gets rejected. So then they tell me that I need to send my social security and notarized information. I'm completely dumbfounded and tell them I am not sending my ssn information over the Internet. This is ridiculous because all I was trying to do is pay my balance off. The XXXX rep then tells me that they can let me pay my balance off {$28000.00}. from my bank account which is in my name with same address as my driver 's license and credit card account but they wouldn't allow me to be able to use the credit card. Which is ironic. I wasn't trying to buy a car or boat but make a payment. I have since tried to get them to unfreeze my XXXX since I had monthly subscription payments billed to this card and had since had to put them all to my atm card. I had initially opened this credit card with XXXX XXXX and then they parted ways with First National Bank of Omaha. I plan on closing this credit card for the ridiculous way that they are treating me. Punishing me for trying to pay off my balance. Any assistance is appreciated.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Complaint Against Fifth Third Bank and XXXX Unauthorized Charges, Improper Dispute Handling, and Account Closure To Whom It May Concern, I am submitting this complaint regarding serious procedural failures and consumer harm involving my financial institution and a merchant ( XXXX ). Summary of Issue While participating in a vehicle rental program through XXXX, my bank account was debited for toll-related charges exceeding {$800.00} by a third party. These charges were not properly disclosed or authorized. I disputed the charges with my bank, which initially issued provisional credits. However, those credits were later reversed based solely on the merchants assertions, without evidence of a reasonable investigation as required under federal law. Additionally, XXXX subsequently debited my account directly for the same amount, despite lacking authorization to do so. Account Closure and Financial Harm As a direct result of these actions : * My account was forced into a sustained negative balance; * The bank failed to properly resolve disputed transactions ; * My account has now been closed for being overdrawn for more than 90 days, despite the overdraft being caused entirely by disputed and unauthorized charges. The closure of my account is not an isolated administrative actionit is the direct and foreseeable consequence of the banks failure to comply with federally mandated dispute resolution procedures. This has caused : * Loss of access to banking services; * Financial hardship; * Potential reputational harm through negative reporting. Violations The banks actions appear to violate the Electronic Fund Transfer Act ( EFTA ) and Regulation E, including : * Failure to conduct a reasonable investigation; * Improper reversal of provisional credits; * Allowing unauthorized transactions to stand. Due to the improper closure of my account, I no longer have access to my full transaction history and statements. This lack of access is itself a direct consequence of the banks actions and has hindered my ability to fully document the disputed transactions. I formally request that the bank be required to produce a complete account history, including all transactions, provisional credits, reversals, fees, and closure records, as part of its response to this complaint. I am prepared to provide all supporting documentation upon request. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation