vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: MO

Complaint narrative:
am submitting this complaint regarding private student loans issued by Navient related to my attendance at XXXX XXXX XXXX. I attended XXXX XXXX XXXX, which has since been found to have engaged in widespread deceptive and misleading practices. As a result, my federal student loans associated with XXXX have already been discharged through federal relief programs. However, I also had private student loans through Navient that were used to finance my education at XXXX. These loans were taken out under the assumption that the education provided would lead to meaningful employment opportunities and value, which did not occur. I ultimately paid approximately {$45000.00} toward these private loans. This payoff was completed using funds obtained through a home equity loan, meaning I remain financially responsible for that debt today. Given the documented misconduct of XXXX XXXX XXXX and the role of Navient in issuing and servicing private loans tied to this institution, I am requesting a formal review of my account and circumstances. I believe these loans were connected to a school that engaged in fraudulent practices, similar to those already recognized by the Department of Education for federal loan discharge. I am requesting that Navient evaluate my situation for potential restitution, reimbursement, or other relief related to these private loans. I would like a written response explaining whether I qualify for any relief programs, settlements, or remediation related to XXXX XXXX XXXX private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have reached out to experian and the company MULTIPLE times. This is my XXXX time reaching out as this company is reporting inaccurate information on my credit report and experian is telling me they dont have enough proof and the company keeps saying the information is accurate. This account is being reported as open and closed and is also reporting inaccurate/missing info.

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 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: WI

Complaint narrative:
L & J associates said I owed {$2200.00} dollars. It has already been removed from 1 of 3 of my credit reports. But XXXX and XXXX will not remove it. The address that L & J associated has for the {$2200.00} owed at, I never lived at that address and Ive disputed several times and told them that. I just want that off my 2 credit reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: U.S. BANCORP
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my credit card account and a recent transaction issue that remains unresolved. I was approved for a credit card with a {$24000.00} limit and a promotional 0 % APR period through XX/XX/XXXX. On XX/XX/XXXX, I attempted to make a purchase of approximately {$13000.00}. Prior to attempting to make this purchase, I called the credit card company ( at approximately XXXX ) and confirmed there was nothing special I needed to do prior to making this large purchase. I was told that as long as I had the credit limit ( I did ) and I was in the USA ( I was ), the purchase would go through. At XXXX XXXX, I attempted to make a purchase at XXXX in XXXX XXXXXXXX XXXX for {$13000.00}. The transaction was declined, and I was contacted by your fraud department to verify the charge. After confirming that the transaction was legitimate, I was explicitly told that the block had been removed. Despite this, multiple subsequent attempts to process the transaction were still declined. I contacted customer service again, and no clear explanation or resolution was provided. In fact, the representative " XXXX '' told me to use another form of payment. This resulted in significant inconvenience and forced me to use an alternative credit card with a substantially higher interest rate ( 29 % ) to complete the purchase. I have since requested a balance transfer to move {$8000.00} onto my account with your institution, as originally intended. However, after several call to your institution ( including a call with XXXX, a supervisor ) I was informed that the balance transfer fee would not be waived, despite the fact that this situation arose directly due to your system failure and inability to process an approved transaction. This is unacceptable. I acted in good faith based on the terms offered and the confirmation provided by your team. Because of your error, I am now incurring unnecessary interest charges. I am requesting the following : * A credit to my account of {$400.00} to cover balance transfer fee If this issue is not resolved promptly, I am prepared to escalate this matter. I would appreciate your prompt attention to this matter and a written response within a reasonable timeframe. Sincerely, 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 explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Dear Sir or Madam, I am writing in response to your communication regarding an alleged debt. I do not acknowledge this debt and request that you provide validation of it in accordance with the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g. Please provide the following information : The amount of the alleged debt, including any fees, interest, or additional charges The name of the original creditor Documentation showing I am legally obligated to pay this debt Proof that your agency is authorized to collect on this debt A copy of any agreement or contract bearing my signature Pursuant to 15 U.S.C. 1692g ( b ), until you provide proper validation of this debt, you must cease all collection activities. Additionally, if this debt has been reported to any credit reporting agency, it must be marked as disputed. Please communicate with me in writing only. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: VI

Complaint narrative:
A legitimate bill pay transaction was made on XX/XX/year>. Once again, Huntington has locked me out of all accounts in order to verify this transaction ; no communication has been provided and instead, access to online accounts has been suspended and I am unable to use my cards. I am forced to visit a branch to needlessly confirm my identity. I live XXXX miles away from the closest branch, making this impossible. Huntington bank 's electronic fraud team, if they ever answer the phone, state that there is nothing they can do to assist without in-person verification, or sending an 'exception ' email, which takes a significant, and unreasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXXTo Whom It May Concern,\n\nI recently disputed certain accounts on my credit report, and you have responded that they were verified.\n\nUnder the Fair Credit Reporting Act, I am requesting a detailed description of the method of verification used.\n\nPlease provide:\n\t\tThe name of the person or entity contacted\n\t\tThe method of communication used\n\t\tAll documentation relied upon to verify the account\n\nA generic or automated response is not sufficient under federal law.\n\nIf you are unable to provide this information, you must delete the account immediately.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 explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Clarity Debt Resolution, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted XXXX XXXX XXXX/Lendify informing them of some calls I was receiving from credit card companies and creditors with information I hadnt been aware of. I had voiced my concern about the nearly {$400.00} I paid upfront for them to start the process of fixing my credit, and the monthly fee of the same price, would be a waste if they were not able to get debt from certain cards removed due to the credit debt not qualifying for being handled under our agreement. The rep for XXXXLendify explained to me that this informations was not true. I informed them that Id feel better contacting all my accounts to find out further information regarding this and later I requested some of the accounts be removed from our agreement. At this time they did reach out via phone calls which I was not able to answer due to work, but I did reach out via email. On the XXXX I informed them that I had a list of the accounts I would like to remove and the XXXX the rep told me to send the list over. Over the next several days, from the XXXX to the XXXX I made attempts at communicating with them through email because once again I was unable to speak over the phone due to work and I received no response until I requested to cancel my subscription with them. I had read over our agreement and if no settlements have been met I was to be given a refund of any money I had paid them, which I mentioned in the email I send on the XXXX to cancel my contract. I received an email back from the rep telling me not to jump to conclusions about whether or not they were actively working on my credit or not. I still moved forward with requesting a cancelation. When were were able to speak on the phone on XX/XX/XXXX, the rep was rude and dismissive when I mentioned I would still like to move forward with cancelation. He informed me that they would. I had reached out again at the beginning of XXXX, calling the rep and asking about the cancelation to which he informed me I would be receiving it on the XXXX of XXXX. When I did not receive my refund I emailed again on the XXXX of XXXX. I emailed the company on the XXXX of XXXX as well and I have received no response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Truist bank has a problem with my wife calling the automated # to pay our account online. We were told we are not eligible for online payment, then recently told we are, but no help in setting up this online account. A payment was made XX/XX/XXXX, I received a statement from Truist stating XXXX was due until XX/XX/XXXX. Then the phone calls XXXX a day, would not talk to my wife, which I have told them multiple times to add her s a user. No I have to fill out a form. Do that send it in, still they will not add her. I work as a welder, I do not have my phone on me and I work the same hours they are open XXXXXXXX XXXX Unless I want to call the Center which puts me in touch with someone I can't understand nor can they understand me and nothing is ever resolved. Anyway, they said our bank rejected it. They did not. Doesn't matter, they would not accept payment for almost 3 months. Customer service stating it wasn't me on the phone after providing my social security #. My wife then spoke with XXXX XXXX who informed her to fill out the form to add herself again, make an online account, which it will not let us do. They have charged {$150.00} in fees that they refuse to remove and now will not let me make even a partial payment, I must pay the full amount. So I have to pay them fees for them refusing payments because they say it's not me making the payments even after providing my information?. I filed a complaint with XXXX in which they told XXXX they would resolve it. Yeah by refusing to remove their bogus fees and refusing payment once again. Nice scam they got going on.

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 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Healthcare Management, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, requesting full validation of the alleged debt. My request clearly demanded documentation establishing : Copies of the identity verification used at the time of the transaction, a contract bearing my signature during this transaction or any other documentation to support their claim. Proof of my legal obligation to pay Evidence of the collectors authority to collect In response, the company claimed to have sent a letter with an itemized statement from the facility via XXXX on XX/XX/year>. To date, I have not received any type of response from XXXX XXXX XXXX. This company has failed to provide proper validation. Sending a generic receipt does not satisfy the requirements of the FDCPA. A receipt does not establish contractual liability, does not verify the accuracy of the balance, and does not demonstrate that I am the responsible party. Despite failing to validate the debt, the company continues to attempt collection and/or report this account, which constitutes a violation of federal law. This conduct appears to violate : FDCPA 1692g ( failure to validate debt ) FDCPA 1692e ( false, deceptive, or misleading representations ) FDCPA 1692f ( unfair collection practices ) Fair Credit Reporting Act ( FCRA ) for reporting unverified and disputed information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
submitted a PSLF buyback request in XX/XX/year> and have received no update. I have already met qualifying employment requirements for PSLF forgiveness. I am requesting review and resolution of my stalled buyback application.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
This is an aggressive follow-up to my complaint regarding the repossession of my vehicle. I have not received a meaningful response or any serious effort to address or resolve this matter. This lack of action is unacceptable. The repossession is formally disputed due to improper notice and failure to comply with required legal procedures. Your continued delay and inadequate response raise serious concerns about compliance and good faith handling of this matter. I am demanding an immediate and thorough response explaining the basis for the repossession and the actions taken.

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 2026-04-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: MT

Complaint narrative:
I use Wisely by ADP for my payroll card. On the evening of XX/XX/XXXX, I discovered that an unknown party stole {$1200.00} from my payroll card for usage on XXXX, which is illegal in the State of Montana where I live. I called Wisely, where I was told through my conversation with a representative that I would receive a new card from them in 10 to 15 business days and that they would take 90 days to investigate what happened. When I stated that I have never gambled online and that it is also illegal in the State of Montana to do so, the transaction was instantly removed without my permission and I was told that I have no options for recourse until XXXX. When I told them that I'm looking at being evicted from my apartment due to my money being necessary for rent, I was told that it wasn't their problem and that I MIGHT see my money returned to me in XXXX if at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: TN

Complaint narrative:
I am disputing and requesting validation/clarification regarding an alleged post-sale/deficiency balance connected to my vehicle lease account. On XX/XX/2026, I contacted the company and requested supporting account documentation. I was advised the documents would be sent to me within 2448 business hours. After receiving no response, I followed up in writing on XX/XX/2026, requesting : - Full post-sale / deficiency balance breakdown - Documentation showing how the remaining balance was calculated - Payment history / account ledger - Any deficiency-related letter or notice - Any supporting records used to verify the balance being claimed I sent an additional written follow-up on XX/XX/2026, because the records provided still did not clearly validate the balance in a consumer-readable way. The records I received appear to contain internal ledger/accounting entries, but they do not clearly explain : - How the claimed deficiency balance was calculated - How the residual amount was determined - What documentation supports the sale/auction proceeds amount - What documentation supports the repossession expenses charged - What the adjustment credit / repo credit represents - How the amount being furnished, collected, and/or reported was ultimately derived Despite multiple requests and follow-ups, I still have not received a complete, itemized, consumer-readable explanation and validation of the alleged deficiency balance. I am requesting that the company provide : - A full deficiency balance breakdown - Documentation supporting all charges, credits, and calculations - Sale/auction documentation - Repossession expense documentation - Any notices or deficiency letters- Documentation supporting any balance being reported to the credit bureaus If the company can not fully validate and support the balance, I request that any unsupported or inaccurate reporting and/or collection related to this alleged balance be corrected or removed. Additional information provided by consumer : XXXX The consumer is wanting to update the company name to Westlake Financial Services/ Westlake XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my consumer report, I identified a late payment that is inaccurately reported, as I have never been late and the creditor has failed to provide any proof or verification ; this account was reported without my written authorization, is not associated with any transaction I authorized, and therefore falls outside the permissible purposes under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), requiring correction to paid as agreed or deletion under 15 U.S.C. 1681e ( b ) and 1681i, which mandate maximum possible accuracy and the prompt correction or removal of any inaccurate, incomplete, or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I was approved for a Personal Loan with Uprova for XXXX. I stated on the application that my income was monthly. I was unaware that Uprova is actually an online payday loan and scheduled my payments for the XXXX and XXXX of the month, i.e. every XXXX weeks. I have tried to communicate with Uprova 's customer service that I need monthly payments. I was told by Customer Service that the payments have to be made every XXXX weeks that Uprova does not offer monthly payments I have been making payments monthly but Uprova has reported late payments on my credit report. Uprova has an Annual percentage rate of XXXX % which is Predatory Lending. Uprova advertises that is an Personal Loan and Installment Loan lender and did not advertise as a Payday Loan. I am retired on a monthly income and unable to make payments every XXXX weeks.

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