vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 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: SC

Complaint narrative:
Complaint against loan servicer for failure to notify of administrative forbearance. I am submitting a complaint regarding my federal student loan servicer, MOHELA in collaboration with Federal Student Aid, for failure to properly notify me of placement into administrative forbearance while I was enrolled in the SAVE repayment plan. During the period of approximately XX/XX/XXXX until current XX/XX/XXXX, my loans have been placed into administrative forbearance. I did not receive any direct notification from my servicer informing me of this tatus change. I did not receive emails, mailed correspondence, or secure messages in my account notifying me that my loans had been placed into forbearance or explaining the impact this would have on my repayment progress. I later learned through Federal Student Aid that general public notifications had been issued regarding administrative forbearance related to SAVE plan processing. However, i was explicitly told that loan servicers were responsible for directly notifying borrowers of changes affecting their accounts. My servicer failed to do so. As a result of this lack of notification, I was unable to make informed decisions about my repayment strategy. I lost potential qualifying payment months toward forgiveness programs, and I was prevented from taking timely action to avoid or address the forbearance. Had I been properly notified, I would have taken action, including contacting my servicer, requesting removal from forbearance, or switching repayment options to ensure continued progress toward loan forgiveness. I am requesting the following resolution : A full review of my account and the administrative forbearance periods applied ; Retroactive correction of my account to reflect an active repayment status ; Credit toward applicable forgiveness programs for months impacted by servicer error ; A formal explanation of why required borrower notifications was not sent. This situation reflects a failure in required borrower communication and had caused material harm to my ability to manage my student loans effectively. I request prompt investigation and resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am a member of the settlement class. I have attempted to contact XXXX XXXX via email multiple times ( most recently on XX/XX/year> ) to provide my XXXX documentation and confirm my eligibility. They have failed to respond, acknowledge my evidence, or provide a status update on my settlement/forgiveness. I have emails and paper mail that I received from Navient regarding the forebearances and economic hardship requests they had me do. I feel the company is leaving out A LOT of their customers so they dont have to pay them out from the settlement but they made my loan grow by lying so I feel they are leaving my data out falsely and acting like they didnt even service my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: GA

Complaint narrative:
am filing a complaint regarding inaccurate and unresolved reporting by XXXX XXXX XXXX XXXX. I disputed this account and requested proper validation of the debt, however the information being reported remains unverified and inaccurate. I request full documentation of the original agreement, payment history, and chain of ownership. If this account can not be fully verified, it should be removed from all credit reporting agencies immediately in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I just open my account not to long ago and my wallet had gotten stolen with my new debit card in it and charges that were not made from me I reported. Everything was fine. My deposits were coming in. They gave me a credit and then they took it back so I didnt think nothing of it then Im getting ready to get my taxes and my School financial aid check and all of a sudden my account is being closed just out of the blue saying that I did something on my account that was fraud here recently after the fraud case was already closed and solved so my school checks and my taxes and everything basically is lost because they havent released them and they close my account due to something I did not do

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Acorns Grow Incorporated
State: IN

Complaint narrative:
I've been going back and forth with acorn investments for probably 2 months now trying to get my account unlocked after I have deposited {$120.00} into my account and they just keep sending me emails about giving them my name number and email and they'll get back to me and then I'll say something to them in an email and then they'll send me something back saying that they're going to close the ticket because I didn't say anything or email back when I did to that direct email.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX, XXXX, XXXX ) through the Shop app ( XXXX ) using Apple Pay on my Apple Card. In XX/XX/XXXX, while reviewing my wallet transactions for an unrelated purchase, I discovered I had been charged {$29.00} every month since XX/XX/XXXX by this merchant. I had no knowledge of these charges. I never authorized a subscription. The only thing I ever purchased from this merchant was a single cutting board. When I reviewed the original order receipt ( Order # XXXX ), I found that an item labeled 'XXXX XXXX XXXX ' at {$29.00} had been included in my order. I did not select or add this item. The word 'subscription ' appears nowhere on the receipt. No terms, no description, and no mention of recurring charges. A {$37.00} XXXX ' was applied to the order, making the {$45.00} total appear to be a reasonable price for a cutting board listed at {$54.00}, effectively hiding the {$29.00} addition. The merchant is unreachable. Their phone number ( XXXX ) is unanswered. They do not respond to email. Their app and website show no subscription and offer no way to cancel. On XX/XX/XXXX, I filed XXXX disputes with Goldman Sachs Bank USA XXXX Apple Card issuer ) for XXXX months of unauthorized {$29.00} charges. Case numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I submitted detailed evidence and the order receipt to each case number that requested it. On XX/XX/XXXX, I received XXXX provisional credits totaling {$200.00}. On XX/XX/XXXX, I received a single {$29.00} refund from XXXX XXXX XXXX refund, not XXXX. Goldman Sachs then closed XXXX of my disputes, stating 'the merchant previously issued a credit for this transaction ' for each one, and reversed XXXX provisional credits totaling {$170.00}. However, only XXXX {$29.00} merchant credit exists on my account. Goldman Sachs did not verify that the merchant 's credits actually posted before reversing my provisional credits. On XX/XX/XXXX, I sent Goldman Sachs a detailed written demand to reopen the disputes and verify actual posted credits. I set a XXXX business day response deadline. I have received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for an auto loan and were denied credit due to vague reasons of the company. Asked for a thorough reconsideration and investigation and was not met with that. There were a couple of discrepancies, inaccuracies, and inconsistencies in the companies explanation. The company claimed too many inquiries, but credit shows only XXXX including NAVY FEDERAL BANK. Company also claimed that my XXXX XXXX is XXXX but XXXX XXXX shows XXXX in the NAVY FEDERAL BANKING APP. Claimed that the companys consideration did not have anything to do with my credit report but clearly explains differently.

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: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MS

Complaint narrative:
On XX/XX/year> my XXXX card account issued by XXXX XXXX XXXX XXXX was converted to Fortiva Retail Credit account issued by TXXXX XXXX XXXX XXXX and was closed for further transactions on XX/XX/year>. Fortiva charged {$99.00} on XXXX, XXXX for an annual fee. I contacted Fortiva to ask why I was being charged an annual fee on a card that is closed and I can't use. I was told that it was an agreement that I made when I got the card. This is not correct because this is not an agreement I had with XXXX. Annual fees should not be charged on a card that is closed. I also was charged different amounts for late fee. I interest is not suppose to be added on accounts that are closed. {$41.00} late charge for XXXX {$30.00} late fee for XXXX {$22.00} Interest payment for XXXX {$110.00} Interest charge for XXXX {$100.00} Interest charge for XXXX {$110.00} for Interest Charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Property Receivables, Corp
State: TX

Complaint narrative:
Repeated calls to family members and my supervisor at my place of employment Calls to my mother : Monday XX/XX/year> at XXXX P.M. Friday XX/XX/year> at XXXX P.M. Calls to my sister : Monday XX/XX/year> at XXXX P.M. Monday XX/XX/year> at XXXX A.M. Calls to my supervisor at my place of employment Friday XX/XX/year> at XXXX A.M. Monday XX/XX/XXXX at XXXX A.M. They have called me multiple times each day since Monday XX/XX/year>, often calling me back to back times to by pass my phones " spam '' caller filtering feature. Multiple calls spread throughout each day. Returned a phone call on Monday XX/XX/year> at XXXX XXXX recorded the call and stated : " You are repeatedly contacting my family and calling me excessively. This is harassment and unlawful third-party contact under federal law. You are instructed to immediately stop contacting anyone other than me. This is being documented. ''

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 — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
Set up an account and deposited XXXX. Was notified potential security breach from XXXX, and have yet to receive my funds back into my account. Problem occurred in XXXX and it is presently end of XXXX.

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: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
My aunt asked me to send her money on Cash App. I accidentally sent it to her old Cash App XXXX she no longer has access to. She reached out out to Cash App on her end and I also reached out on my end. They could not help her get back into the old Cash App and denied my request for a refund. They told me to send a refund request to the recipient, which I did, however my aunt could not get into the old Cash App to accept or reverse the funds. I then submitted a scam report because maybe someone else has the old number she used for that Cash App and denied my refund request. Cash App customer service hasnt been supportive during this process. Cant call and speak to someone.

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: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
Subject : Formal Complaint Solar Loan Induced by Misrepresentation and Deceptive Financing Practices To Whom It May Concern, I am submitting a formal complaint regarding a solar installation agreement with XXXX, XXXX, and the associated loan provided by XXXX XXXXXXXX XXXX XXXX XXXX XXXX and serviced by Launch Servicing. This transaction was entered into based on material misrepresentations that have resulted in significant financial harm. During the sales process, I was led to believe : * That I would receive a federal tax credit that would significantly offset the system cost * That my electric bill would be eliminated or substantially reduced * That the system would produce enough energy to cover my usage * That the overall cost would result in savings, not increased financial burden These representations were critical to my decision to proceed. However, the actual outcome has been the opposite : * I did not receive the expected tax credit as represented * I continue to receive high electric bills in addition to the solar loan * The system is not performing as represented * My total financial obligation is significantly higher than disclosed Additionally, the loan documents clearly state that : * The loan is not contingent on receiving any tax credit * Payment amounts increase significantly if a voluntary payment ( commonly tied to the tax credit ) is not made * The borrower is obligated to repay the loan regardless of system performance These disclosures directly contradict the representations made during the sales process and indicate that the transaction was presented in a misleading manner. The financing was induced by these misrepresentations. I would not have entered into this agreement had accurate and transparent information been provided. Furthermore, the loan is secured only by a XXXX fixture filing on the solar equipment and not a traditional real estate lien, reinforcing that this is an equipment-based financing tied directly to the underlying sales transaction. Given the above, I am requesting : * Immediate investigation into this matter * Consideration for full rescission, loan cancellation, or negotiated settlement * Suspension of any negative credit reporting or collection activity while this dispute is under review If this matter is not resolved, I am prepared to pursue all available legal remedies, including claims for deceptive trade practices and misrepresentation. Please confirm receipt and provide a written response. Sincerely, XXXX XXXX XXXX XXXX XXXX

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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I deposited my payroll check using my phone. Took a picture and everything went through. Waited till Monday to see if my check was in my account do to the fact it was friday morning. Opened my account and my check still hasn't been deposited in my account. Went to bank and they told me it was on hold do to worry of none payment. So I called my employer and explained to them that the bank they use and what is on the check itself has not sent the funds. My employer contacted the bank and talked to the manager and she confirmed that the funds were sent. They even emailed me a copy showing where the released it. That's when the manager at my bank ( Wells Fargo ) got a big attitude and told me it was because one of the numbers on the bottom of the check was ineligible. Now he changed his story. So I asked him again why is my check on hold when the funds have been sent to you. He had no answer for me and said that it is what it is at this point. So yes I got angry. I told him that my family is suffering and I have no gas to make it to work. So as of this moment my money will not be in my account till the XXXX of this month and it is only the XXXX. My check was deposited on the XXXX. No one will give me a straight answer as to why they won't release the funds. I worked hard for that money to provide for my family. I am very angry and scared. How do I take care of my family till then. This is not right. If I were to walk in and take their money and hold it for 4days I would be in prison

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I urgently need your assistance in REMOVING and BLOCKING the accounts listed below, as they are negatively impacting my credit history and were not authorized by me making them fraudulent. This situation has caused me a great deal of anxiety, as someone may be out there using my name and personal information with malicious intent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Harley Davidson Financial Services Inc
State: SD

Complaint narrative:
I am filing a complaint regarding the inaccurate and misleading credit reporting of my Harley-Davidson account XXXX This account was previously charged off and written off as a loss. Despite this, the creditor has continued to report the account in a manner that appears deceptive and inconsistent. Specifically, the account has been repeatedly opened and closed and/or re-reported in a way that makes it appear as though it is a new or recently active account. This pattern of reporting is inaccurate and harmful. It gives the false impression of ongoing activity and may constitute improper re-aging of the account by altering key dates such as the account open date or otherwise misrepresenting the accounts history. As a result, my credit profile has been negatively impacted. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report accurate and complete information. Repeatedly re-reporting a charged-off account as new or manipulating how it appears over time is misleading and may be a violation of federal law. I am requesting that this matter be fully investigated and that the creditor be required to : Correct all inaccurate information associated with this account, including any incorrect open dates or status updates Ensure that the Date of First Delinquency is accurately reported and not altered Cease any repeated or misleading re-reporting of this account Remove the account entirely if it can not be verified as accurate and compliant with FCRA requirements I am also requesting documentation supporting the current reporting of this account, including a full and accurate account history. This issue has caused ongoing harm to my credit and financial standing, and I am seeking prompt resolution.

Company response to consumer: Closed with explanation