vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: MN

Complaint narrative:
My loan has been sold to numerous companies and I asked for verification of the loan and the original promissory note. I will not make payments until I get the letter. I have tried to call and request them again. Wait times are more then a working person can wait and I receive no call backs. I am a public service employee for 20 years and I have been unable to apply for PSLF program as well and was told I made no qualifying payments when I have for almost 15 years until Covid happened.not to mention that student loans are a predatory lending system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
The bag was returned and delivered appropriately. The merchant denied receiving the bag.The merchant failed to comply with multiple consumer protection and billing requirements applicable to loss claims and disputed charges.

Despite asserting that I was responsible for the value of the item, the merchant did not provide the information necessary to validate the amount claimed. I formally requested documentation to substantiate the quoted {$1800.00} figure, including valuation methodology, depreciation, prior rentals, condition history, and any insurance claim information. The merchant failed to provide this information and nonetheless proceeded with charging and collection activity.

This conduct violates the following consumer protection standards : Fair Credit Billing Act ( FCBA ) - The merchant continued billing my account after I disputed the charge and requested clarification. A billing error under the FCBA includes charges for incorrect amounts and charges not adequately explained. The merchant failed to reasonably investigate or substantiate the disputed amount before charging {$610.00} after quoting {$1800.00}.

Failure to Validate a Disputed Debt - Once a consumer requests validation of a claimed amount, the creditor must provide sufficient detail to substantiate how the amount was calculated. Merely referencing internal terms and conditions is insufficient. The merchant did not explain how the {$1800.00} amount was derived, preventing me from determining whether the charge was accurate or reasonable.

Fair Debt Collection Practices Act ( FDCPA ) - After partially charging my account, the merchant sold an alleged balance to a collection agency in the amount of {$2100.00}. This amount exceeds the quoted settlement and does not account for the {$610.00} already collected. Representing an incorrect or inflated balance constitutes a false or misleading representation of the amount of a debt and an unfair collection practice under the FDCPA.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) - The merchant engaged in unfair and deceptive practices by withholding material information needed to evaluate the charge, charging during an unresolved dispute, and selling an inaccurate balance to collections. Consumers can not be expected to assess or pay charges that are not transparently calculated or validated.

Because the merchant failed to substantiate the loss valuation, improperly charged my account during a dispute, and sold an inflated and inaccurate balance to collections, the alleged debt is invalid. I am requesting correction of the charges, withdrawal of the collection account, and confirmation that no adverse credit reporting will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I made an engagement ring purchase through XXXX XXXX/ Comenity for my fiance, in XX/XX/XXXX. At that time I viewed it as a 0 % interest for 18 months purchase. I was on time making greater than minimum payments on the balance. I do remember seeing the notifications on my account that a normal rate interest would resume starting XXXX of XXXX. To my surprise this was a deferred interest promotion and I was charged XXXX interest XX/XX/XXXX on an outstanding balance of {$1700.00}. I do not feel the deferred interest terms were not communicated clearly and it is predatory to charge greater than double the balance remaining on my account. They have already charged roughly 38 % interest for XXXX over my calculated balance of now {$3800.00}. I am a XXXX  dad that is trying to start a new beginning this year with my fiance and our families. I fully expected a normal interest rate to begin after the promotion. The deferred interest is misleading on such a large purchase for everyday working people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts and inquiries appear on my credit report that I did not open, authorize, or benefit from. My personal information was compromised during the Equifax data breach and was used without my permission. I did not apply for these accounts or receive any goods, services, or funds from them. I am requesting that all fraudulent accounts and related negative information be permanently deleted from my credit report.

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 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts and inquiries appear on my credit report that I did not open, authorize, or benefit from. My personal information was compromised during the Equifax data breach and was used without my permission. I did not apply for these accounts or receive any goods, services, or funds from them. I am requesting that all fraudulent accounts and related negative information be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: AL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITALis 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 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
They try to collect a Deb that I do not owe to then

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This situation has caused me considerable stress and harm. Federal law under 15 U.S.C. 1681s-2 ( a ) requires data furnishers to ensure that all reported information is accurate and complete. The company has failed to meet this obligation and continues to report inaccurate or unverifiable information. This conduct violates my rights under the Fair Credit Reporting Act, and I am requesting CFPB intervention to ensure compliance and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
There is an account on my credit report from Portfolio RC original creditor is XXXX XXXXXXXX XXXX XXXX  XXXX account # XXXXXXXX XXXX XXXX XXXX with a balance of {$480.00} opened XX/XX/year> that I did not open and do not know who did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am beyond fed up that this XXXX XXXX XXXX account ( Original Creditor : XXXXXXXX XXXX  ), Account No : XXXX XXXX XXXX XXXX XXXX, is STILL on my Experian credit report. Ive already disputed it and sent in everything you asked for, so WHY is it still here? This is absolutely ridiculous! 

I NEVER authorized this account to be reported, and there is XXXX reason for it to still be on my file. Youre violating 15 USC 1681b ( 2 ) by continuing to report this without a legitimate reason. Youve totally failed at following 15 USC 1681e ( b ), which requires you to make sure my info is accurate. This is NOT a mistake anymore this is sheer laziness and incompetence on your part. 

I dont care what excuse you come up with this collection account needs to be permanently deleted from my file, NOW! You havent provided me with ANY proof that youve properly verified it, so why is it still showing up? Keeping it here is only damaging my credit and causing me more stress. I dont need to keep fighting with you over the same account.

At this point, this is no longer just an oversight. This is continued noncompliance. 15 USC 1681i ( a ) is clear, and you're still violating it. You are opening yourselves up to 15 USC 1681n and 1681o penalties for this garbage.

I want this collection account gone for good. DELETE IT. And I expect this resolved NOW. This shouldve been taken care of the first time I disputed it. Do not make me keep chasing after you for something so simple.

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 2026-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding monthly service fees charged on my Wells Fargo checking account. 

I was charged a $ 12 monthly service fee for four consecutive months, totaling {$48.00}, due to not maintaining a {$3500.00} minimum daily balance. I was not clearly aware of how strict this balance requirement was, and the fees were not intentionally incurred. 

I contacted Wells Fargo customer service to resolve this. I spoke with representatives XXXX and XXXX, but my call was disconnected before the issue was fully resolved. Wells Fargo only refunded half of the total amount ( {$24.00} ) and refused to refund the remaining balance. 

I am requesting a full refund of the remaining {$24.00} as a one-time courtesy. I acted in good faith by contacting the bank promptly, and I am willing to change to a no-monthly-fee account to prevent this from happening again. 

I believe Wells Fargo should fully reverse these fees as a courtesy, given my attempt to resolve the issue directly, the incomplete customer service interaction, and the lack of clear awareness regarding the balance requirement.

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 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I am filing a complaint against Santander Consumer USA regarding their failure to complete an Electronic Lien and Title ( ELT ) transfer, which has prevented me from legally registering my vehicle in XXXX 

I first contacted Santander on XX/XX/XXXX to request that the vehicle title be transferred electronically to the XXXX Office of Motor Vehicles ( OMV ), as I relocated and needed to register the vehicle in Louisiana. At that time, Santander advised me that the process would take 46 weeks. 

After waiting more than two months with no progress, I contacted Santander again and was told that they could not send the title because it was held electronically and that I needed to contact the XXXX DMV. I contacted the XXXX DMV, who advised me that they are not involved in ELT transfers and that only the lienholder ( Santander ) can initiate the transfer. 

I contacted Santander again and was later told that an ELT transfer had supposedly been submitted on XX/XX/XXXX, and that it would take XXXX weeks to process. That timeframe has now passed. As of XX/XX/XXXX, the ELT transfer has still not been completed, and Santander has not provided any transaction number, written confirmation, or proof that the XXXX  OMV has received or accepted the transfer. 

I have contacted Santander repeatedly since XX/XX/XXXX, including my most recent call on XX/XX/XXXX, and the issue remains unresolved. Santander representatives continue to provide inconsistent information and have been unable or unwilling to provide documentation showing that the ELT transfer was properly initiated or is actively being processed. 

As a result of Santanders failure to complete this transfer : I am unable to legally register my vehicle in Louisiana I am exposed to potential penalties, registration issues, and insurance complications I am being deprived of the full use of a vehicle for which I am making regular loan payments This is not a delay caused by a state agency. Both XXXX  DMV and XXXX OMV have indicated that this matter must be handled directly by the lienholder. Santanders ongoing failure to complete or properly manage the ELT transfer constitutes a servicing failure and has caused prolonged harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: AL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I deposited a mobile check {$19000.00} when I opened up a new checking account with online banking Ally BankingI called the fraud department because they wanted me to verify the deposit was not fraudulentI gave them the information they needed to resolve this issue on XXXX or XXXX mother past away and my brother was her executive and power of attorney sent me a personal check from my mother after passing away with her request to meMy mother banked at her local XXXX XXXX XXXX XXXX which was on the personal check either my brother authorized signature for release of fundsThe fraud department confirmed all of this with my brotherI sent up XXXX external transfers from ALLY Banking to my XXXX  XXXX XXXX  Account which takes XXXX business days per Ally being a new member of there bank which was scheduled to be deposited this Friday XXXX night I was sent a email from Ally Banking saying that due to suspicious activity your external transfers and XXXX options have been suspendedThey asked me to call themI called them on Wednesday XXXX to verify my transfers with the fraud departmentthey asked me all the same questions the fraud department asked me a XXXX XXXX on XXXX or XXXX the female in the fraud department says she has no records of me taking to the fraud department a WEEK XXXX gave her my brothers phone number to verify everything AGAINThe fraud department said they would call my brotherThey havent tried to reach out to him all dayMy brother try to call the fraud departmentHad him on hold for over XXXX had to disconnect so he could get back to workThey fraud department put my money transfers on hold which I need to pay my billsThey were scheduled for this FridayNow they wont release them and locked me out of the ALLY APP so I cant view any of my information with themSaid they would get back in touch with me but havent.

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 2026-01-14 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: Chime Financial Inc
State: IL

Complaint narrative:
I am an XXXX XXXX XXXXXXXX XXXX XXXX who just recently signed up for a chime account in XXXX. I explore reddit posts for help on topic about growing XXXX channels, to where someone posted a link about a software that helps you optimize things like seo performance. Everything seemed alright, until a few days later I get a pop up on my computer saying that emails and things have been compromised. I dont notice until recently but starting back in XXXX there are unknown purchases of XXXX XXXX when I am XXXX XXXX XXXX I dont even have a XXXX account to be purchasing things on XXXX. Then there are purchases from XXXX XXXX  big lump sum purchases. Thats when I finally noticed something was up. I go to dispute these charges that I know for a fact I did not make. The person on the phone doesnt even dispute the XXXX XXXX  charges that are huge purchases some even totaling to {$910.00} at a time. This is ridiculous. I have lost {$6100.00} in money that I did not spend and they denied my dispute. I only use this account for food, gas, necessities to improve my credit since I am young. Someone spent $ XXXX that Im now being told I cant get back for some reason? The fact that {$910.00} of XXXX XXXX did not get disputed and all the rest of my charges were denied its very frustrating. I wish I still had my pop up software that tells me about viruses on my computer, but now it is completely wiped, which is even more frustrating, but at this point even if I was able to show that I dont believe I would be able to get my money back.

Company response to consumer: Closed with explanation