vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 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: TX

Complaint narrative:
On XX/XX/XXXX, my loans were scheduled to come out of forbearance, so I changed my autopay information to reflect I wanted it withdrawn from my current bank account on the due date ( XX/XX/XXXX ) On XX/XX/XXXX, I received notice that my payment had not gone through and my payment was overdue. They tried to withdraw from my old bank account despite my having indicated my bank account had changed. 

on XX/XX/XXXX, I received an account statement that indicated my total balance had gone from {$35000.00} to {$49000.00} with no explanation as to why

Company response to consumer: Untimely response
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am currently being sued in court based on an alleged Fifth Third Bank account. I have never opened, held, or authorized any account with Fifth Third Bank, and I have never had a contractual relationship with this bank. 

I do not recognize this alleged account and believe it is the result of mistaken identity of inaccurate records. Despite this, a law firm is pursuing legal action against me claiming I owe them. 

I am requesting that Fifth Third Bank look into this matter and provide written confirmation that no account exists in my name and that I am not a customer, so this issue can be corrected and used for court purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a hotel through Chase XXXX using rewards points from a credit card account that I later closed. After realizing I had mistakenly booked the reservation for the wrong date, I contacted Chase XXXX for assistance. Because the credit card account was already closed, I was concerned that canceling and rebooking the reservation myself might cause the rewards points to expire. I therefore called Chase XXXX and specifically asked the representative to correct the reservation dates without canceling the booking. Unfortunately, the agent made an error that resulted in the reservation being canceled. Although I was repeatedly assured, both verbally and in writing via email ( see attached file ), that the rewards points would be refunded to me in the form of a check, I have still not received any refund after 4 months. I am requesting immediate resolution and reimbursement of the full value of the points of {$89.00} ( see invoice ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have a XXXX  credit card. I forgot there was a due date for the interest saving balance and so it accrued a significant amount. I tried to dispute this because I had spoken to someone from the company but eventually I paid the entire amount on XX/XX/2026. and tried to move on. They even emailed me a letter on XX/XX/2026 which I am attaching saying I've paid it off and that my balance is XXXX and that they're closing my account. They told me this on the phone on a recorded line too, and guaranteed there is no more balance. Then they said I have a new remaining balance of another XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Company : Sunrise Credit Services , Inc . 
Subject : Written Notice Lacks Enough Information to Verify Debt ( XXXX  XXXX XXXX ) Account name : XXXX  XXXX XXXX Account number : XXXX Complaint : I received a collection notice from Sunrise Credit Services , Inc. attempting to collect an alleged XXXX XXXX XXXX debt for approximately {$6300.00}. I dispute the debt and do not have enough information to verify it. The notice does not provide competent documentation of ( 1 ) Sunrises authority to collect, ( 2 ) the identity of the current creditor/owner, or ( 3 ) a complete, independently verifiable accounting of the amount demanded. There is no account-level documentation linking this debt to me and no full itemization/payment-application ledger ( principal, interest, fees, credits/adjustments ) supporting the {$6300.00} balance. Without these documents, the claim is not independently verifiable. 

Requested resolution : Sunrise must provide competent verification ( authority/ownership and a complete itemized accounting/payment ledger supporting the exact amount ). If it can not, Sunrise must cease collection and confirm in writing it will not continue collection or furnish/report/verify this debt without proper documentation.

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 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Subject : Failure to Conduct Reasonable Reinvestigation and Failure to Respond Under FCRA and FDCPA To Whom It May Concern, I am submitting this complaint against the credit reporting agency ( ies ), creditor ( s ), and/or collection agency involved due to repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I submitted written disputes regarding inaccurate and/or incomplete information appearing on my credit report. These disputes were sent pursuant to 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation within 30 days of receipt of a consumer dispute.

As of today, more than 45 days have passed since my disputes were received. I have either received no response at all or responses that fail to demonstrate that a reasonable reinvestigation was conducted as required by law.

Specifically : Under 15 U.S.C. 1681i ( a ), the credit reporting agency must conduct a reasonable reinvestigation within 30 days. This has not been properly completed. 

Under FCRA 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be deleted. The disputed information remains on my credit report without documented verification.

Under 15 U.S.C. 1681i ( e ), agencies are required to properly compile and treat consumer complaints. The lack of meaningful response indicates noncompliance.

Under 15 U.S.C. 1692e ( 8 ), a debt collector may not communicate credit information known to be disputed without reporting the dispute. The collection agency has failed to properly mark the account as disputed. 

Continued reporting without proper investigation constitutes negligent and/or willful noncompliance under 15 U.S.C. 1681n1681o.

Despite multiple attempts to resolve this matter directly with the credit bureaus, creditor ( s ), and collection agency, no lawful resolution has been provided.

I am requesting that the CFPB require the responding party to : Provide documented evidence of a reasonable reinvestigation.

Provide the method of verification used, including the name of the furnisher contacted, the date of verification, and the documents reviewed.

Immediately delete any information that can not be verified in compliance with FCRA 1681i ( a ) ( 5 ) ( A ).

Correct any failure to report the account ( s ) as disputed. 

Provide written confirmation of corrections or deletions. 

I have retained copies of all dispute correspondence, proof of delivery, and credit reports demonstrating continued inaccurate reporting. 

I respectfully request regulatory review and enforcement to ensure compliance with federal consumer protection laws. 

ACCOUNT INVOLVED : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/year> Dear Fifth Third Bank Mortgage Department, I am writing to formally request complete documentation related to the transfer of my mortgage loan from Fifth Third Bank to XXXX XXXX XXXX.

To date, I have not received any documentation from Fifth Third Bank regarding this transfer, other than a notification letter sent by XXXX XXXX XXXX advising me that they would be servicing my loan. I respectfully request copies of all records associated with the transfer, including but not limited to : The notice of transfer of servicing Any assignment, sale, or servicing transfer agreements applicable to my loan All correspondence sent to me regarding the transfer The effective date of transfer and terms governing the servicing change In addition, I request a written explanation outlining the rationale for transferring my loan from Fifth Third Bank to XXXX XXXX XXXX so that I may better understand why this action occurred. 
After XXXX XXXX XXXX assumed management of my loan, they incorporated property taxes into my monthly mortgage payment, which resulted in my payment more than doubling. This sudden and substantial increase has created significant financial hardship and has placed me, a XXXX XXXX veteran, at risk of losing my home. 
Given the serious consequences of this transfer and the changes that followed, I respectfully request a prompt and complete response to this inquiry. 
Please provide the requested documentation at your earliest convenience. If additional information is required to process this request, kindly notify me immediately. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: OH

Complaint narrative:
I asked company for debt validation, Validation was not given and they are still reporting accounts on credit profile I will provide letter i sent certified mail proof of that and the letter that they sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
Issue : Inaccurate Reporting of a Non-Existent Debt by Genesis/Columbia Debt Recovery Summary of Complaint : XXXX XXXX XXXX XXXX Columbia Debt Recovery XXXX XXXX reporting a collection account for a rental debt originally associated with XXXX XXXX XXXX XXXX The original creditor has confirmed in writing that the account reflects a XXXX balance and does not represent an active debt. Despite this, XXXX has continued to report a balance and collection status to the credit bureaus. 

I submitted a formal correction request to TransUnion, which resulted in the deletion of the Genesis/Columbia tradeline XXXX to furnisher verification failure, as confirmed in writing by TransUnion on XX/XX/year> ( File ID : XXXX ). 

This continued reporting violates : FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 623 ( a ) ( 2 ) : Requires furnishers to correct and update information after receiving notice of inaccuracy.

FDCPA 807 ( 2 ) : Prohibits misrepresentation of the character, amount, or legal status of a debt.

FDCPA 807 ( 8 ) : Prohibits communicating false credit information.

FDCPA 809 ( b ) : Requires debt collectors to cease collection until verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: WI

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FRA ), your agency has faile to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. 
Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ;

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: MOHELA
State: NY

Complaint narrative:
I am a 100 % XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX veteran with a XXXX XXXXXXXX effective date of XX/XX/XXXX. 

In XX/XX/XXXX, my private refinance lender ( XXXX XXXX XXXX XXXX via XXXX ) sent approximately {$34000.00} to MOHELA as a full payoff of my federal student loans. XXXX has confirmed the funds were sent. 

MOHELA applied approximately {$12000.00} of those funds as payments in XX/XX/XXXX. However, when my XXXXXXXX XXXX XXXXXXXX XXXX discharge was processed on XX/XX/XXXX, approximately {$22000.00} of the remaining balance was labeled as XXXX rather than applied as payment. 

This creates a discrepancy because the refinance lender paid the full outstanding balance prior to discharge processing. It appears that refinance payoff funds were either not fully applied or were misallocated before the discharge was processed. 

I contacted MOHELA and submitted a formal case through the FSA Ombudsman approximately XXXX months ago requesting a transaction-level accounting of the refinance payoff funds. I have not received a substantive explanation or documentation showing how the full payoff amount was applied. 

I am seeking clarification and correction of any servicing or accounting error related to the application of third-party refinance payoff funds. 

As a result, I am currently making monthly payments on a private refinance loan for approximately {$34000.00}, even though those funds were used to pay federal loans after my XXXX XXXXXXXX effective date ( XX/XX/XXXX ). If those funds were required to be refunded under federal regulations, the refinance balance would not exist or would be significantly reduced. This situation is causing ongoing financial harm.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
Concora closed my account and then says I owe double of what I charged and is harassing me all different times of the day. They are also calling me multiple times in a day and on the weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received a deposit from the IRS and I was using my account ( fully verified ) to pay my bills and other things. I checked the limit and I was no where near the amount. I sent over my rent to {$2500.00} using XXXX XXXX and paid my light bill for {$140.00}. The card stopped working after that and I reached out to them multiple times to see why. They told me to give it a couple of hours and try again. I tried today and it didnt work, when I reached out to them they told me that I couldnt use the account anymore because their system flagged it and they have NO control over the system. Advised me to transfer it out and it wont let me do that as well. I told them I can wait XXXX hours to try again and he told me that if it didnt work, there is nothing they will be able to do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Chase bank unceremoniously cancelled all my credit cards in early XXXX. As frustrating as it was I understand I have little recourse in terms of this. However, once card, Chase Sapphire Reserve, was only taken out in XXXX and had a {$800.00} fee which was not credited upon account closure. While banks may have rights to unilaterally close accounts, I paid a fee for a years worth of benefits and i should be entitled to this fee back. 

Just to add, there were no negative actions on accounts and no late payments etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: UPGRADE, INC.
State: MN

Complaint narrative:
On XX/XX/XXXX, Upgrade executed an unauthorized ACH withdrawal of {$1800.00} from my checking account. On XX/XX/XXXX, Upgrade admitted the error. On XX/XX/XXXX, they refunded only {$1400.00}, retaining {$380.00} to cover my then-outstanding balance. I subsequently received a payoff letter confirming my account balance was {$0.00}. 

Documented Payment History : XX/XX/XXXX : A {$99.00} transaction occurred ; balance became {$99.00}. 

XX/XX/XXXX : An auto-payment of {$5.00} was processed ; balance became {$97.00}. 

XX/XX/XXXX : An auto-payment of {$5.00} and a manual payment of {$98.00} were both processed. This resulted in a credit balance of - {$7.00}. 

Billing Discrepancy & Continued Unauthorized Activity : On the XX/XX/XXXX statement, Upgrade reported a balance of {$400.00}, despite no transactions occurring between XX/XX/XXXX and XX/XX/XXXX. This is a mathematical impossibility. Despite this disputed status and the actual credit balance, Upgrade pulled an unauthorized auto-payment of {$25.00} on XX/XX/XXXX. 

Failure to Resolve : I contacted Upgrade via Chat and Phone ( Ticket XXXX ). A representative admitted the math was incorrect but refused to provide written confirmation of the error or the ticket. In response to a XXXX complaint ( Ref # XXXX ), Upgrade admitted the statements were " confusing '' and resulted from " incorrectly issued '' internal refunds/reconciliations from XXXX. They essentially charged me a second time for a previously settled debt via an internal " adjustment '' that does not appear as a transaction on any statement. 

Regulatory Violations : Upgrade is in violation of the Electronic Fund Transfer Act ( Reg E ) for unauthorized debits and the Truth in Lending Act ( Reg Z ) for failing to provide an accurate periodic statement and failing to resolve a documented billing error. They have admitted in writing that their records are " confusing, '' yet they refuse to refund the unauthorized {$25.00} or correct the balance to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/XXXX I got an email saying someone was logining into my account from Illinois when I was in XXXX XXXX in class at the time. I called chime immediately to report and by then the person had sent them self XXXX through pay anyone feature on chime then they sent them selves {$110.00} on XXXX XXXX. All my cards were locked at the time, I hadnt used my account all day I had rent to pay on the XXXX and they took all the money from my accounts from my checking and savings account. I did not give my information to anyone and I did not authorize anything. I dont know how any of this happened but I need my money back asap I just got paid and have to pay rent they denied my first claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: MOHELA
State: WA

Complaint narrative:
I am writing a message regarding student loan refinancing loan XXXX. I opened this loan in XX/XX/XXXX. 

I currently have 4 loans through Mohela from prior education. Account number XXXX. 


When refinancing I was asked what accounts I would like the funds applied to. I picked the XXXX direct loan as it would pay off my balance. Instead it was applied to loans XXXX and XXXX. 


These payments were applied only to interest, not principal completely negating the point of the refinancing loan.

I have contacted Mohela multiple times to have the correction made. First time in XX/XX/XXXX. Four emails and two phone calls. I heard they were aware of my concern and it would be corrected within 90 days. That was 5 months ago. 

I am frustrated as the same thing happened in XX/XX/XXXX. I refinanced through XXXX ( account # XXXX ) and the payment was also sent to the wrong loan. I attempted to correct the error through Mohela but no change was made and I abandoned attempts to correct the error. This payment was also interest only I am asking for help. I need the recent refinance payment to either be applied to loan XXXX or at a minimum applied to loan principal and not just Interest. 

Please tell me how to proceed. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Untimely response