vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
I am submitting this follow up complaint regarding inaccurate credit reporting and lack of response from MOHELA regarding my federal student loans. I previously submitted a CFPB complaint in XX/XX/year> disputing delinquency reporting that I believe was inaccurate because my account was in an approved forbearance/payment pause status during the reported period. Despite my disputes, the delinquency continues to be reported 90 days late for XXXX without any other late reports. Since filing the original complaint, MOHELA has failed to provide a substantive response or resolution through the CFPB process. The complaint has remained open for several months without meaningful investigation or correction. I disputed the reporting with the credit bureaus and continue to maintain that the reported delinquency is inaccurate. Prior to this reporting, my credit profile was in good standing with significantly higher credit scores. The continued reporting has caused ongoing financial harm and credit damage. I am requesting : 1. A full investigation into the disputed reporting 2. Verification of the payment/forbearance status during the reported delinquency period 3. Correction or removal of any inaccurate delinquency reporting 4. A substantive response addressing the dispute and supporting documentation I am attaching supporting documentation regarding the account status and prior disputes.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple issues with my account ( s ) with this company. Over a period of time, I have identified several discrepancies, including unauthorized or incorrect charges, billing errors, and/or inaccurate account information. I have made multiple attempts to resolve these issues directly with the company, but the responses have been insufficient, delayed, or have failed to address the problems. In some cases, the issues remain unresolved despite repeated follow-ups. These ongoing problems have caused financial impact and significant inconvenience. I am concerned about the accuracy of my account and the companys handling of my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am submitting this complaint regarding a credit card account originally associated with XXXX XXXX XXXX XXXX that is currently being reported on my credit reports and/or collected by a third-party agency. I dispute ownership and responsibility for this account. I have previously disputed this account multiple times with both the credit bureaus and the furnisher ; however, the account continues to be reported as verified without providing sufficient documentation proving that the debt belongs to me. I am requesting a complete investigation and validation of this account, including but not limited to : * The original signed application or agreement * Documentation proving the account was opened by me * Complete payment history * Method of verification used during prior investigations * Any records showing transfer or sale of the account to a third party This account is currently impacting my ability to qualify for a mortgage and purchase my first home. I am requesting that the furnisher and/or collection agency either : 1. Provide adequate documentation proving the account belongs to me, or 2. Remove the tradeline from all consumer reporting agencies if they can not properly validate the debt. I also request investigation into whether the furnisher complied with obligations under the Fair Credit Reporting Act during prior disputes, as repeated verified responses were provided without meaningful documentation or explanation. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
I attended the XXXX XXXX XXXX XXXX from XXXX to XXXX. I paid my loans in full. in XXXX the loans were part of the Borrow Defense Discharge for the XXXX XXXX. I received a letter informing me of the discharge. I had already paid the loans. I called Mohela in ( XXXX at the time ) around XX/XX/XXXX and was informed that the refund for the payments and interest would be issued by the end of XXXX. I have submitted cases and called numerous times with Mohela and the Department of Education and they point the finger at each other. The Department of Education maintains that Mohela received the letter regarding the discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Paypal consistently refuses to honor its buyer protection policy. I did not receive goods. I provided evidence from the postal service showing I did not receive the goods. No one looked at it. No ever looks at it. The automated system sees a tracking number delivered in the same zip code and closes in favor of the seller. Every time. This is a known scam. PayPal still refuses to do right by the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST HAWAIIAN, INC.
State: NV

Complaint narrative:
First Hawaii bank Unfair Handling of Secured Credit Card and Closed Checking Account I am filing a complaint regarding the handling of my secured credit card and checking account by First Hawaiian Bank. I opened a secured credit card with a {$1000.00} prepaid security deposit. I also maintained a checking account with the bank, which was the only method available for me to make payments toward the secured credit card. At some point, my checking account became overdrawn by overdraft I didnt even know existed and was subsequently closed by the bank. I was never properly contacted or given a reasonable opportunity to resolve the issue before closure. After contacting the bank, I was informed that the account could not be reopened unless I appeared in person on the Hawaiian islands, which is not realistic or financially possible for me as I currently reside outside Hawaii. Because the checking account was closed, I lost the only payment method the bank allowed me to use for the secured card. I then requested closure of the secured credit card account. Despite the account being secured by my original {$1000.00} deposit, interest and additional charges have continued to accrue. The balance has increased from approximately {$1000.00} to approximately {$1000.00}. I believe this situation is unfair and potentially abusive because : 1. The bank failed to provide reasonable communication or opportunity to cure the checking account issue before closure. 2. The bank required in-person attendance in Hawaii to reopen the account, creating an unreasonable barrier. 3. The bank continued charging interest and fees on a secured credit card that I attempted to close, while simultaneously restricting my ability to make payments. 4. The bank is holding my security deposit while the balance continues to increase. The bank is damaging my credit score I am requesting the following resolution : * Immediate review of the account history and communications. * Waiver and reversal of accrued interest and fees added after I lost access to payment methods. * Application of my {$1000.00} security deposit toward the balance. * Correction of any negative credit reporting associated with this matter. * Written confirmation that the matter has been resolved fairly. I am requesting CFPB assistance to investigate these practices and help reach a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I've been waiting since XXXX and incision from aidvantage an income based repayment so that accounts for this whole time and I can start new income based repayment in the meantime I've asked several times for them to fix the problem or to send me paper so I can try to apply through paperwork and yet I've got no help from them at all nothing in the mail and no call back nothing just dead air and then trying to make it so they can charge me full rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XX/XX/XXXX report balance of XXXX Charged off XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I was sent a lawsuit filing months late to the point I was unable to fight it ... Then a notice of garnishment back in XXXX of XXXX, in XX/XX/XXXX, I received a notice of release of garnishment... The following month I received another notice of garnishment to be taken from my taxes for a new amount.... Then I received a notice of potential lien on my property to which I don't own any property. The original debt was around {$1600.00} it's now close to {$1800.00} and it was a debt from XXXX bought by Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint regarding Affirm Loan ID XXXX connected to an XXXX order that was returned months ago. XXXX repeatedly stated in writing that the refund was successfully issued. Executive Customer Relations later stated that Affirm confirmed receipt and processing of the refund. However, my Affirm account continued showing the loan as active and I continued being charged and making payments. At XXXX point, the refund adjustment appeared on my Affirm timeline, showing a negative adjustment amount and a zero balance. Shortly afterward, the loan was reinstated again with an active balance and payment demands. XXXX and Affirm have provided conflicting information for months. I have screenshots showing : XXXX stating the refund was issued successfully XXXX stating Affirm confirmed receipt of the refund Affirm temporarily showing the refund adjustment The loan later being reinstated again I am requesting a formal investigation into why this refund was reversed or not properly applied and why this loan remains active despite the returned item and refund confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
account was closed once I moved almost a year ago I didn't owe anything I currently don't even stay at the address still were being charged I have tried to call original creditor XXXX XXXX XXXX no help didn't have me in the system and was told over the phone I didnt owe or anything then they just closed the account back in XX/XX/year> and then popped up with a bill this collection messing up my report and doest go off until XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
I have never received any form of communication ( email, call, or letter ) from Sunrise Credit Services to verify the debt or to dispute it. I am now finding out about this debt through XXXX upon checking my credit score. I started a dispute through XXXX to have this debt 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 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing this complaint because Bank of America is actively impeding my ability to submit legal evidence for an active credit card billing dispute regarding a {$3300.00} charge made on XX/XX/year>. I canceled this residential contracting project before any work commenced because the merchant violated multiple Massachusetts XXXX XXXX XXXX laws ( XXXX. XXXX XXXX ), making it illegal to proceed. Specifically : The merchant demanded and charged a 50 % upfront deposit ( the legal limit is 33.3 % ). The merchant failed to provide a written contract for a project over {$1000.00}. The merchant stated in writing he would not pull the required municipal permits for the concrete and driveway right-of-way work. I formally terminated the project in writing on XX/XX/year>, and demanded a refund for services not rendered. I initiated a billing dispute with Bank of America. However, Bank of America 's online portal provided no option to upload my supporting evidence. The portal now shows the claim has been advanced to the merchant 's bank without my legal documentation. Furthermore, their phone representatives stated they could not accept emails or faxes, which is a violation of my right to submit written evidence under the Fair Credit Billing Act. Bank of America is processing a dispute without allowing the consumer to submit the required legal proof.

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 monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding two separate incidents involving Cash App. Incident 1 : In XX/XX/2025 I was victimized by an XXXX support scam and lost approximately {$3100.00} through Cash App. During the fraud event, Cash App flagged and canceled several transactions demonstrating they detected unusual activity. However, they then allowed subsequent transfers to process without locking my account or contacting me. The scammer directed me to purchase and sell Bitcoin and stocks, and transfer funds to unknown XXXX debit cards. Two instant transfers alone totaled {$2100.00} including fees. Additional unlabeled Cash App payments resulted in a net loss of {$890.00}, and cryptocurrency transactions resulted in approximately {$70.00} in losses. I have an FTC report on file for this incident. When I contacted Cash App support via in-app chat, they instructed me to select cancel payment in my transaction activity, but that option was not available, making their own suggested solution impossible to follow. Cash App refused to reimburse me. Incident 2 : I accidentally sent {$60.00} to an incorrect user named XXXX XXXX whose account had only been active for one day. I attempted to cancel immediately but no cancellation option was functional despite Cash Apps help screens indicating one should exist. I sent a repayment request which the recipient declined. Cash App refused to return my funds. I am requesting full reimbursement of {$3100.00} total and a review of Cash Apps failure to protect consumers from detected fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: VA

Complaint narrative:
I am disputing a collection account that is being reported on my credit report. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, by requesting validation of the debt. The collection agency has failed to provide proper validation, including : Proof that I am the correct debtor. A breakdown of the amount owed, including fees/interest. Documentation of the original contract or agreement. Proof that they have the legal right to collect this debt. Without this documentation, the collection account remains unverified. Yet, it continues to appear on my credit report and/or collection activity continues. This violates my rights under the FDCPA. I am requesting that the CFPB review this matter and require the collector to either : 1. Provide full and proper validation of the debt, or 2. Immediately remove this account from my credit report and cease all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My vehicle was repossessed even though I brought my account fully current during the repossession process. At the time of the repossession, I was approximately 1920 days past due, not 30 days or more. The delay occurred while I was traveling outside of the country. As soon as I became aware that my vehicle was being taken from my workplace, I immediately contacted the repossession department. Their representative transferred me to customer service in order to make a payment and stop the repossession process. While the vehicle was still being hooked/towed and while I was actively on the phone with the company, I made a payment by debit card for the full amount requested, including any past due balance and fees, bringing the account fully current. The payment was approved immediately, I received confirmation, and the funds were immediately withdrawn from my bank account. After the payment was processed, customer service transferred me back to the repossession department to stop the repossession. However, I was then told that although the payment had already been accepted and confirmed, they would still continue taking the vehicle because the payment allegedly needed up to 24 hours to post internally. As a result, the company repossessed my vehicle after accepting payment that brought the account current. My account now shows current status, yet the company is still refusing to release my vehicle back to me. I believe this situation resulted from a failure of communication and coordination between the companys customer service and repossession departments. I am requesting immediate release of my vehicle and review of the handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/XXXX I spoke to a customer service representative at Synchrony regarding interest that was charged on my CareCredit credit card statement. I was advised that a purchase made at my vet was not on a promo plan. Ok- my fault. No dispute of past interest charges were made. Instead, I made it very clear that I wanted to pay off the balance of that transaction. I agreed to make the payment of {$1000.00} over the phone IF and only IF it was credited to that balance so no more interest would be charged. I was VERY clear that the funds were to be directed there and I would not be paying any more interest to that balance. The representative stated that it is Synchronys policy to apply the payment as requested but that it could take 2-3 payment cycles to occur in which case interest would still be charged. No information that the payment would be retroactively applied and interest removed when the payment was applied correctly. I again made it very clear that they cant charge interest against funds paid on the balance and if they charge me Id be filing a complaint. So here we are. Despite my payment, I was charged interest on that balance just 6 days later. They can take my funds but dont want to credit the correct balance until months later in order to collect more money. Im sure they will respond that this is due to system limitations. Thats fine but not retroactively refunding interest is predatory. I wonder how many hundreds of thousands of accounts have been affected by this practice. I know how these complaints work. I want this practice brought to life for the problem that it is and I want my interest refunded with the payment applied correctly. Also - regulators- please note that synchrony has a practice of retaliation against consumers who make complaints. Im sure my cards will now be closed and/or credit limits lowered to affect my credit score despite being an A credit consumer. Synchrony- fix my account. You know its wrong. Credit my payment appropriately and refund all interest since XX/XX/XXXX. Please do not grant an extension to respond. This is an easy issue to correct. Im also requesting publication as Im sure many consumers face this same predatory practice.

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