vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I called the phone number provided in Affirm 's recent email from their Account XXXX XXXX regarding an unauthorized loan opened in my name via identity theft by my ex-wife using my SSN without permission. Their email stated the investigation resolved in my favor : the loan ( from XXXX XXXX ) was canceled, fully refunded, I owed nothing, and it would be removed from my credit reports in XXXX days ; they also offered to reverse any payments made or issue a check if needed. 

I previously submitted documentation, including an XXXX dispute results letter, showing multiple Affirm accounts ( not just this one ) that had been assigned to XXXX XXXX XXXX and subsequently deleted from my XXXX  credit report due to fraud/identity theft. Despite this evidence, Affirm 's resolution email and call handling only addressed XXXX loan. 

During the call : Initial rep verified me, noted the dispute, and transferred to a " specialized department. '' XXXX  rep ( male ) re-verified me but had no notes on my reason for calling ; I re-explained the fraud. He stated their records showed {$440.00} in payments made on the loan, confirmed an old debit card from XXXX on file ( which I explained was compromised/closed ), but refused to update the refund method without another transfer. 
I asked why the other XXXXlinked Affirm accounts ( proven fraudulent via XXXX  deletions XXXX weren't investigated despite my uploaded docs ; he didn't address it and transferred anyway. 
I requested warm transfers each time ( introducing the call ), but was repeatedly cold-dropped into general customer service or wrong departments, forcing XXXX re-verifications and full re-explanations. 
Final rep apologized for wrong department, then transferred me ( after I requested supervisor/warm transfer ) to a " supervisor on the line '' but the call disconnected without resolution. 

Key unresolved issues from identity theft : XXXX. Refund of {$440.00} stuck to a closed XXXX card ; need update to check/current account and confirmation it processes within XXXX business days as promised. 
XXXX. No investigation or credit reporting correction for other fraudulent AffirmXXXX  accounts I documented ( XXXX-deleted as fraud ) ; these may still linger in Affirm'sXXXXXXXX XXXX  systems, risking re-reporting or collections. 
XXXX. Account remains restricted, blocking use despite fraud resolution. 

I request CFPB forward this to Affirm and XXXX : full accounting of all my linked accounts ' statuses, confirmation all fraud items are marked as identity theft ( not mine ), permanent credit reporting deletions, {$440.00} refund via valid method with written proof, account unlock after verification, and review of call recordings for poor service training ( repeated cold transfers/drops in fraud case ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
On XX/XX/year> I discovered a collection on my credit report for {$86.00} by Jefferson Capital SystemXXXX account XXXX XXXXXXXX. I researched and found it was issued by XXXX through a XXXX part collection agency titled Jefferson Capital SystemXXXX XXXX I reached out to XXXX to dispute this charge and was given no information. I was referred back to the debt collection agency to no avail. I have all supported documents that this charge is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
I am filing a complaint regarding an account originally with Exeter XXXX that has been transferred to XXXX XXXX XXXX. 
Prior to transfer of the account, a fully executed XXXX XXXX and XXXX XXXX was completed via XXXX on XX/XX/year>, providing for full settlement of the account for {$2000.00}. I made a {$400.00} payment pursuant to that agreement before being informed that the account was sold. 
XXXX XXXX XXXX is now attempting to collect the full balance and is refusing to acknowledge or review the executed settlement agreement. They have stated that the agreement with the original creditor has nothing to do with them. 
I am disputing the balance being claimed and requesting review of the executed settlement agreement and payment made prior to transfer. I am seeking confirmation that the agreement will be honored or clarification of the legal basis for refusing to honor a fully executed settlement contract. The executed agreement was completed prior to my being informed of any transfer, and payment was made in reliance upon that agreement. 

I have proof of the following. 
-Executed settlement agreement -Proof of {$400.00} payment -DocuSign completion confirmation I request that this matter be investigated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Beginning roughly XXXX days ago, I started receiving aggressive and threatening messages from XXXX XXXX, Collection Representative for National Credit Systems at XXXX, stating that a home I rented in XXXX  had unresolved balance or debt with a rental company in Arizona, XXXX XXXX. I informed her that this was not the truth and I had no debt with this company. She then insisted she was going to contact my employers to verify where I worked and aggressively told me if I did not settle it would be a regret. She also falsified her phone number after blocking multiple numbers. I recently received a letter stating that if I paid 50 % of this balance, it would go away. I have never received any communications from XXXX regarding any unresolved balance, and all final rents and balances were settled when I moved out of this house XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NV

Complaint narrative:
i signed up for the chime under the pretenses that i would receive a {$100.00} bonus by XX/XX/XXXX if i deposited {$200.00} by XX/XX/XXXX, another {$100.00} bonus the following month and {$150.00} a month after that if i complete the $ XXXX direct deposits. 

i have already qualified for the first month and not received the bonus. 

i contacted chime, they gave me multiple excuses. the XXXX was, i didn't sign up through the bonus link. The XXXX  reason was, the direct deposit had to be a single {$200.00} deposit, not XXXX {$100.00} deposits as i had set up. 

first of all, i did 100 % sign up through the bonus link. the bonus was the ONLY reason i opened this chime account. XXXX, the offer, the screenshot i was offered, does NOT state it has to be a single {$200.00} deposit. No where in this offer did it state that the direct deposit had to be a single {$200.00} deposit. 

this company has defrauded me by not provided an accurate offer and not honoring the offer that was provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
The loan documents and/or account records list the borrower name as XXXX XXXX XXXX XXXX This is not my legal name, and I have never used this name. 

Because the name on the loan does not match my legal identity, I believe this account information is inaccurate and does not belong to me. I am requesting that you immediately investigate this matter, correct the records, and provide written confirmation of your findings.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate information on my credit report, and furnishers of information are required to investigate and correct any information that can not be verified as accurate. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I have the right to request validation of a debt and dispute debts that I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Original contract was with XXXX XXXX XXXX. Called to cancel my auto policy because I found a cheaper rate. The XXXX  told my i had till XX/XX/year> to cancel which I did. I got billed up until XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: TX

Complaint narrative:
Jefferson Capital System Date Reported XX/XX/year> Amount : {$760.00} I am filing this complaint regarding a collection account that was recently added to my credit report. I do not recognize this debt and have no knowledge of any account with this creditor. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unverifiable information on my credit report. I formally dispute this account and request a reasonable reinvestigation. If the furnisher can not provide competent evidence that this debt belongs to me, the account must be deleted.

Additionally, pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request proper validation of the alleged debt, including documentation bearing my signature and proof of assignment if the debt was transferred.

If this account can not be fully verified as mine, I am requesting immediate deletion from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TX

Complaint narrative:
I am writing to formally dispute recent actions taken on my student loan account serviced by MOHELA. 

I was informed several months ago that my student loans had been fully paid off as of XX/XX/XXXX. This was reported in all credit bureaus as well and I havent received any payment information or request for me to pay since being in school back in XXXX!!! So I never thought any interest was happening. Also Mohela didnt even give me the original documentation that Ive ever even agreed to a loan!!! Based on that information, I understood my account to be satisfied and closed. However, without prior notice or explanation, the loans later reappeared with additional interest allegedly accruing from around XX/XX/XXXX through XX/XX/XXXX until i just paid it in mid XXXX At no point was I notified that interest would continue to accrue, nor was I informed of any remaining balance after being told the loans were paid in full. As I had just completed school, I reasonably relied on the information provided to me and had no indication that additional amounts were owed. 

Although I have since paid the balance in full to prevent further issues, I strongly dispute the legitimacy of the interest charges assessed during that period. I am requesting back payment because i paid over a XXXX  dollars of intrest and i couldve used that money to make more money if I wouldve been notified that I owed rather then that I dont owe! I will be pressing this issue further and further until I get responses.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank has restricted my account for no reason and XXXX been unable to transfer my funds out even to my other Citibank account because of this. I have tried to use XXXX, instant transfers and have tried to use my debit card but I have not been successful. My funds have been on hold at least XXXX weeks now. I called in on Monday XX/XX/XXXX regarding the issue and was told it could take XXXX hours for review. Its now Saturday XX/XX/XXXX and Ive received no further updates, nor have XXXX  been able to access my money. Citibank should not be able to mishandle customer accounts in this manner. The customer service is not helpful in these situations and will transfer customers to mltiple departments to avoid doing their job.

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 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding the handling of my federal student loan account by MOHELA. 

In 2024, I submitted an Income-Driven Repayment ( IDR ) application in good faith and within the required timeframe. However, I have since been informed that this application was never processed. I was not notified of any deficiencies, missing documentation, or errors at the time of submission. As a result, my repayment status and eligibility for income-based relief were negatively impacted. 

After becoming aware that my original application had not been processed, I submitted a new IDR application. Since that time, I have received conflicting information regarding its status. One communication indicated that my application was denied, while my online account and/or other communications reflect that it remains under review. Despite multiple attempts to seek clarification, I have not received consistent guidance regarding the status of my application or instructions on what corrective action, if any, is required. 

This lack of transparency and inconsistent communication has caused significant confusion and financial uncertainty. Borrowers depend on accurate processing of IDR applications to ensure affordable payments and maintain compliance with federal loan requirements. The failure to process my initial application and the contradictory information regarding my current submission reflect serious servicing deficiencies. 

Additionally, I am deeply concerned about reports of servicing failures and potential data security issues. Given the sensitive personal and financial information entrusted to MOHELA, any confirmed security breach or mishandling of borrower data would raise serious concerns regarding account management, consumer protection, and institutional oversight.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I authorized XXXX to transfer {$25000.00} from my checking account ( XXXX ) to my savings account at XXXXXXXX XXXX. The money was immediately deducted from my Webster account, but as of today ( XX/XX/year> ) it still has not arrived in my XXXX account. I have made numerous calls and sent numerous emails to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I had my bank consolidate my credit card debt with a loan. I sent XXXX checks, XXXX to AMEX and XXXX to XXXX. I sent the first checks in late XXXX without tracking and after a couple of weeks both companies said they might have it but it just hasn't processed yet and to wait. 2 more weeks pass and I reach out to them again and they say it probably got lost in the mail but wait a bit longer we are opening investigations into where those checks are. 2 more weeks and I reach out and they tell me they are probably lost in the mail. I have never had anything lost in the mail but I get another two checks issued from my bank and send them with tracking this time. After I get confirmation they have been received I wait 5 business days and after no payment is applied for either company I reach out to them. XXXX actually ends up applying my payment a couple of days after that call. AMEX still can not find the check that I have proof has been delivered for a month now. They have opened multiple " investigations '' over the past 3 months and have never reached out to me with updated info. I get the same response they train all of their employees to give each time I reach out and they never actually do anything. I am tired of being kept in limbo like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
This is a follow-up to CFPB case XXXX, which was closed after Newrez provided a generic response. As Newrez stated in its response, I have attempted to escalate this matter multiple times and have consistently received the same explanation : that Newrez is following internal procedures and that inspections indicate the work is incomplete. I however need more clarification on which procedure Newrez is following to support their positions, which I will further elaborate. ( 1 ) Scope of settlement and inspection standards : As reflected in the attached correspondence, Newrezs position appears to be that, in the absence of an adjuster report, all renovations at the property are treated as part of the insurance claim- which is a position I find unreasonable since the settlement funds were issued solely to repair water damage caused by a leak in my attic bathroom. I have reviewed the settlement documentation, mortgage documents, and Newrezs published procedures and have not identified any provision supporting this position. Please identify the specific contractual or policy basis for treating unrelated renovations as part of the claim scope. ( 2 ) Inspection criteria and methodology : I have repeatedly asked Newrez to explain the scope and standards applied by the inspection vendor, particularly in light of Newrezs statement that the inspection was accurate. This question has not been answered. Please clarify : What scope of work the inspector was instructed to evaluate ( which they " confirmed it was accurate '' and " 60 % complete '' ) and what standards were applied in determining completion. I understood that inspections would evaluate completion of water-damage repairs. Those repairs are complete. I have not been informed of any alternative standard. ( 3 ) Requests for additional lien waivers : Newrez has recently requested lien waivers for XXXX XXXX ( a security camera store ) and for my attorney. Newrezs Insurance Claim Procedures indicate that lien waivers are required from the contractor performing the repair work, which in this case is XXXX XXXX. That waiver has been provided. Please identify the specific policy provision or contractual authority supporting the demand for lien waivers from small stores and legal counsel?

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 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
To whom it may concern, I am filing this complaint against XXXX for engaging in deceptive billing practices, predatory customer retention tactics, and unwarranted collections harassment. Please see the attached formal dispute letter sent to XXXX 's XXXX Customer Relations for the complete details. Here is a summary of the events and the company 's fraudulent actions : Predatory Pricing & Account Closure : When my promotional pricing ended, I asked to remove my XXXX XXXX add-on ( {$16.00} ) to save money. XXXX informed me that reducing my service would trigger a {$30.00} increase to my internet bill. Facing this illogical penalty, I disconnected all services entirely on XX/XX/XXXX, prior to the end of my billing cycle. My account was completely paid up via autopay. 
Fabricated Charges : After disconnection, XXXX falsely charged me for unreturned equipment ( which was returned within 14 days ). After that was finally cleared, they fraudulently added a {$16.00} balance to my accountsuspiciously matching the exact price of the XXXX XXXX XXXX I had tried to cancel. 
Unwarranted Collections : Despite my account being fully paid through the XX/XX/XXXX disconnection date, XXXX sent this fabricated {$16.00} charge to a collections agency. 
Intentional Runaround : I have spent upwards of 3 hours on the phone and visiting a local office trying to resolve this. An XXXX Disconnections representative eventually admitted the charge was incorrect, but refused to remove it, stating I had to submit a written complaint to their XXXX department while the XXXX  department continued to harass me. 
XXXX  forces former customers to act as liaisons between their own XXXX  departments to resolve charges their own representatives admit are invalid. This is clearly designed to muddy the waters and profiteer from fabricated zombie debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am filing a formal complaint regarding the actions taken on my account by Chime. 
My account was compromised by an unauthorized third party. After becoming aware of the breach, I contacted Chime and went through multiple identity verification procedures to confirm that I was the rightful account holder. During this process, I was informed that my account would be closed and that the remaining funds would be sent out. 
I was specifically told where the funds would be sent, and I immediately informed Chime that the destination was controlled by the individual who had hacked my account. I clearly and explicitly instructed Chime not to send my funds to that address/account. I made it clear that doing so would result in my money being sent directly to the person who had gained unauthorized access. 
Despite my warning and despite verifying my identity through multiple methods, Chime proceeded to send my funds to the very destination I identified as fraudulent. 
This action directly contradicts my explicit instructions and represents a serious failure to protect my account and safeguard my funds. At the time the transfer was made, Chime had actual notice that the destination was unauthorized and potentially fraudulent.

Company response to consumer: Closed with explanation