vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am writing to formally lodge a complaint regarding the mismanagement of my federal student loans by MOHELA ( Missouri Higher Education Loan Authority ), and to request a full investigation into my account as well as a discharge of the affected loan balance ( s ). This request is based on widespread allegations and recent investigations reported as of XX/XX/XXXX  concerning MOHELAs misconduct, which has significantly harmed borrowers including myself both financially and emotionally. 
According to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
Multiple background and employment checks have been requested. I was notified by a third party of them and no collections company has notified me they have been investigating me or my work history/status. 

Multiple calls and texts to myself, my work phone, my work, old bosses, my mother, niehbors, text messages without permission frequent background and credit reports ran, I have notified them to stop contacting me and am in the process of filing bankrupcy. They among other collectors have threatened to come to my place of work. They have knocked on my mother 's door at her place of residence threatening her and intimidating her by sitting outside her home. She is currently undergoing XXXX and fighting XXXX. Getting out of bed frequently to answer her door or having her phone constantly going off is not ok. Zero of my debts are related to her in any way. 
Spoof calls from fake phone numbers have been used as well. 
MULTIPLE REPORTS TO CREDIT AGENCIES FOR THE SAME DEBTS OR DEBTS NO LONGER VALID. Revolving the same DEBTS under new accounts with new dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Validate this debt and all records on my file forward to my email listed. I am currently in bankrupcy proceedings after records are sent to the email listed do not contact me. Contact my attorney listed with further concerns. 
This is not owed, I have no record of this or any contract with " lvnv funding ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: TN

Complaint narrative:
Demand to Block Fraudulent Accounts Under 15 U.S.C. 1681c-2 ( Identity Theft ) To Whom It May Concern, I am writing to formally dispute and demand the immediate blocking and deletion of fraudulent information appearing on my consumer credit report as the result of identity theft, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

The accounts and/or inquiries listed below were not opened, authorized, or incurred by me and are the direct result of identity theft :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the method of verification used to verify the XXXX XXXX XXXX XXXX collection account currently reporting on my TransUnion credit report. 
This account reflects partial payments with no explanation of how the remaining balance was calculated. Pursuant to FCRA 611 ( a ) ( 7 ), please provide : XXXX. The name, address, and phone number of the entity that verified the information XXXX. A detailed description of the verification process used XXXX. The specific documents relied upon XXXX. The date verification was completed Failure to provide this information constitutes noncompliance with the Fair Credit Reporting Act.

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 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a checking account at Chase Bank ( Branch location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA, XXXX ). I opened this account specifically to utilize a public promotional offer valid at that time : a {$300.00} welcome bonus for new customers who establish direct deposit within 90 days. 

I successfully established direct deposit and met all the monetary requirements of the promotion in good faith. However, the bank has failed to credit the bonus. 

When I inquired about this issue on XX/XX/XXXX, the Senior Staff, XXXX XXXX, informed me that the " promotion code '' was not attached to my account profile, likely due to a clerical error by the banker who opened my account. Despite acknowledging that I met the direct deposit criteria, the bank has refused to honor the offer because of their own administrative failure to apply the code at the time of opening. I have attempted to resolve this with branch management via email multiple times ( on XX/XX/XXXX, and XX/XX/XXXX and XXXX, XXXX ) but have been completely ignored. 

I am requesting that Chase Bank honor their advertised offer and credit my account the {$300.00} owed, as I have fulfilled my part of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
debt validation, i have no knowledge about this account, or when this was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Torriere Holdings INC
State: WI

Complaint narrative:
XXXX  XXXX  on behalf of XXXX XXXX XXXX repeatedly sent my XXXX boss from prior employment, my mother, and a XXXX, text messages without permission, stating a dollar amount owed to them from me. Detrimental to my character public image and career.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
XX/XX/XXXX - Placed order # XXXX with XXXX for physical computer hardware which would ship at a later date due to backordered stock. Total charge is {$3000.00}. Used my Synchrony MasterCard. 

XX/XX/XXXX - Order was ready to ship, card was declined when processing was attempted. Received no notification from bank of fraud alert. There was enough credit available. 

XX/XX/XXXX- Had a delay in getting back to XXXX. Called bank and was told card was fine and good to go. Contacted XXXX and told them to try the card again. 

XX/XX/XXXX - XXXX contacted me back and told me the card still declines. 

XX/XX/XXXX - Called bank, got transferred to fraud department, had to send them selfie video of my head turning back and forth, and the front and back of my driver 's license. Was told card was released and good to go. Contacted XXXX and told them to try the card again. 

XX/XX/XXXX - XXXX contacted me back and told me the card still declines. 

XX/XX/XXXX - Contacted bank again and got transferred to fraud, they told me " all blocks are removed '' and that the card is good to go. Contacted XXXX and told them to try the card again. 

XX/XX/XXXX - XXXX contacted me back and told me the card still declines. 

XX/XX/XXXX - Contacted bank again and got transferred to fraud. This time they told me that the address XXXX was trying to use was incorrect. Verified my home address and phone number with agent I was speaking with. They told me my card " has the highest level of clearance '' and that there " is no reason why the card will decline '' if they use my correct address. Contacted XXXX and relayed this information, giving them my address and telling them to double check it. 

XX/XX/XXXX - XXXX contacted me back with screenshot showing that the address they are using to run my card is correct, I checked and it is letter for letter correct, including spaces and abbreviations. They advised that the card was still declining. At this point I finally gave up and switched to another card. 

- Not a credit limit problem, the card was and is below its limit for the purchase since XX/XX/XXXX. 

- My FICO score is XXXX. 

They are refusing me use of the card at XXXX ( a major United States computer hardware retailer, in business since XXXX ) by repeatedly declining the transaction over the course of several days.

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 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Credit Karma, LLC
State: MN

Complaint narrative:
They closed my account without any explanation and didn't give me any information on the reason when I asked how to resolve it. I've contacted support several times and haven't been able to reopen my account or speak with a supervisor. I've been trying to resolve this for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally report an unauthorized account that was opened in my name without my knowledge or consent. 

An individual who is my former partner used my personal information to open this account. I did not authorize, apply for, or benefit from this account in any way. I only became aware of its existence after it appeared on my credit report. 

As a result, this fraudulent account has negatively impacted my credit and financial standing. I am requesting assistance in disputing and removing this account, as well as guidance on any additional steps I should take to protect myself from further identity misuse. 

I am willing to provide any documentation or additional information necessary to support this claim. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
I was charged through an XXXX XXXX for Fraudulent Coins because of Pay Pal policy of " instant '' sales when given an offer that I did not want. Asked seller for refund, already paid and shipped before I knew crucial facts. The Coins were represented as XXXX Silver XXXX oz. XXXX Dollars. Seller would not cancel and I contacted XXXX and they countered with they would not make seller refund because it was shipped already. XX/XX/XXXX XXXX days later the Coins arrived ( XXXX worth total {$250.00} ) I took them to XXXX jewelry and Pawn stores locally and they were determined to be XXXX no XXXX what so ever. 
I sent dispute to PayPal because they were NOT AS DESCRIBED. XX/XX/XXXX. 
I submitted evidence and when I asked the seller for a Prepaid shipping label to return the Coins the SELLER stated they would send XXXX and gave me a form. The tracking was not in the USPS Tracking calculator. I took the package coins in original containers to my Post office and it was a FRAUDULENT LABEL. They researched it intra Postal Service and it came back " IT IS A FRAUDULENT LABEL AND WILL MOST LIKELY BE SEIZED ''. XX/XX/XXXX As I had provided all of this information to PayPal it was pretty clear this scammer knew what he was doing. They closed the case in the SELLERS favor because the prepaid shipping label was fraudulent yes it was PROVIDED BY THE SELLER! after XXXX phone calls then reopened for review. 
Yesterday XX/XX/XXXX I received the parcel as it was returned to my XXXX XXXX and submitted a picture with a sticker generated by the XXXX that said " Return to Sender ( me ) REFUSED unable to FORWARD '' as the number changed on the tracking when the parcel was submitted to USPS. 
Tonight XXXX XXXX XXXX The case was closed AGAIN by PayPal and for the SELLER. for the SAME REASON. IT was explained to the extreme with another phone call and supporting evidence AGAIN. The seller scammed me with Counterfeit Coins AND Mail Fraud by giving me a FRAUDULENT USPS RETURN LABEL. 
I can not allow this to happen. TO STEAL MY MONEY and let this XXXX HACKER GAME THE SYSTEM and get my money. I suspect this is an INSIDE JOB with an employee in PAY PAL that is allowing this to happen and get a piece of the action. Please make them reverse this and escalate this to an INVESTIGATION of practices at PAY PAL. I have been with them for XXXX years I am XXXX on retirement and have never in my life seen this kind of INCOMPETENCE in a FINANCIAL INSTITUTION. Sworn as True, I have back up information to the moon. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Newrez continues to charge me taxes when they are not supposed to! Once again they have charged me taxes when they were not supposed to. I am 100 % XXXX and have an exemption with them on file that allows me to have my taxes deferred from being paid but they continue to charge me taxes! Once again they have charged me taxes and raised my mortgage to {$7700.00} a month!! They are trying to drive me out of the house is what they are doing! They wont return the money they take incorrectly from the county XXXX XXXX XXXX in a timely manner and continue to hold it while over charging me charging me funds to drive me out of the house. This is the XXXX  time they have done it this year!!!! This should be illegal!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
For the following companies please remove from all creditors : XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX I am submitting this complaint to dispute the continued reporting of late payment notations on one or more credit accounts that are paid in full and closed.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ( a ) ( 1 ) ), consumer reporting agencies and furnishers are required to ensure that information reported is accurate, complete, and not misleading. While these accounts may have reflected late activity in the past, they have since been fully satisfied. Continued reporting of derogatory payment history without proper updating misrepresents the current status of the accounts.

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to correct and update information so that it remains complete and accurate. Failure to remove or properly update late payment indicators on accounts that are paid and closed raises concerns regarding compliance with this obligation.

As a Texas consumer, I am also asserting my rights under Texas Finance Code 392.202, which requires furnishers to conduct a reasonable investigation upon receipt of a dispute and to correct or delete any information that is inaccurate, incomplete, or unverifiable.

I have disputed this information because the continued reporting of late payments on completed accounts does not accurately reflect my current credit standing. I am requesting that the CFPB require the furnisher and/or credit reporting agency to investigate, verify, and remove any inaccurate late payment notations, or provide proper documentation supporting their continued reporting. 
I am requesting written confirmation of the results of the investigation and confirmation that the reporting complies with all applicable federal and Texas laws. 
Thank you for your assistance in resolving this matter.

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 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized debit card transaction in the amount of {$1500.00} from a merchant called XXXX, a merchant with whom I have never done business and from whom I have no reason or need to purchase any item. 

I first became aware of this transaction only after receiving a bank notification that my account balance had fallen below {$100.00}. I did not receive any prior alert for an unusual or high-dollar transaction, despite the amount being significantly higher than my normal spending. During my lunch break that same day, I reviewed my account and immediately noticed the unauthorized charge. I called Bank of America immediately to report the transaction as fraud. 

During that initial call, I clearly and unequivocally confirmed to the representative that I did not authorize this transaction, did not make the purchase, and did not provide my debit card information to anyone. My debit card has remained in my possession at all times, and no one else has access to it. I provided a verbal affidavit stating that I did not authorize the charge. 

Despite this, my initial fraud claim was denied, with Bank of America stating that the merchant provided proof of purchase and that the information used matched what they had on file. 

Because this conclusion was incorrect, I reopened the claim a second time and provided additional documentation. The merchants records indicated a delivery date, so I submitted my work schedule, which showed that the alleged delivery date was my day off. I also confirmed that no package was delivered, received, or signed for at my residence. Despite this, the claim was denied again. 

I have now reopened the claim for a third time and submitted further evidence demonstrating that the investigation findings are incorrect : The name used on the transaction does not match my full legal name. 

The email address and phone number used for the order are not mine and do not match my account contact information. 

The IP address associated with the transaction originates from a different city where I do not reside, further indicating unauthorized third-party activity. 

I did not receive any order confirmation, receipt, or high-dollar transaction alert, despite historically receiving such alerts for large purchases. 

I am currently a XXXX XXXX and I have no use, need, or benefit for the item purchased. The funds taken were intended for my education, and the unauthorized charge caused financial stress and account instability. 

Despite immediate reporting, repeated cooperation, and substantial evidence, Bank of America has continued to deny my claim based on incorrect assumptions and incomplete analysis.

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 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
They basically said something about breaking terms and conditions of the account when in fact I had never done so and all I was requesting from them is a replacement cashapp debit card and they are refusing to issue me one I even tried to upgrade the card which cost like {$5.00} and it still says there is an error so I would love to challenge there outcome and fight this all the way I am entitled to a debit card I have a clean record and I had filed bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and I did include cash app in it even though I never had debit with them but everyone is suppose to start me on a clean slate and I'm not getting this fair treatment from cashapp there making my buissness dealings with them terrible and my direct deposits straight to a debit card difficult they say I can do ach but it's inconvenient because they would take XXXX buissness days and if it's on a weekend I'd be waiting all week no way is that fair the debit card would ensure I would be paid instantly... so if there is anything you can do to help me thru this I would greatly appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX writing to formally dispute late payment ( XXXX ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : 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