vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 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: MOHELA
State: FL

Complaint narrative:
b'To Whom It May Concern,\n\nI am writing to formally dispute the delinquent status currently reported on my credit profile regarding six (6) individual student loan accounts serviced by MOHELA that really should be only one. My credit score changed on me just in this month from a XXXX to a XXXX due to this. \n\nAs a recent college graduate, I have maintained a perfect credit history and have a proven track record of financial responsibility. I was never notified by MOHELA regarding the commencement of my repayment period, nor did I receive any billing statements or correspondence indicating that payments were due. Now I am XXXX days past due on loans I was not informed the loan has started payment.\n\nOn XXXX XXXX, 2026, I contacted MOHELA via telephone to address this matter. After a 30-minute hold time, I requested a formal Debt Validation Letter. I was informed that this request could take up to XXXX days to fulfill and was explicitly told that MOHELA could not provide an email or system message confirming that this request was even placed. Given MOHELAs documented history of "call deflection" and billing failureswhich resulted in a $XXXX XXXX penalty by the Department of Education in 2023I have no confidence that this request will be honored without formal intervention. XXXX XXXX XXXX XXXX XXXX (AFT) filed a consumer protection lawsuit against the XXXX XXXX XXXX XXXX of the State of Missouri (MOHELA) on July 22, 2024, alleging systemic mismanagement of student loan accounts, including illegal overcharging, failure to process paperwork, and deceptive practices affecting millions of borrowers. In addition to their ongoing lawsuits, the company is plagued by overwhelmingly negative online reviews.\n\nI am looking for help with a "Good Will" adjustment or a formal deletion of the delinquent marks across all six loan entries. These marks are a direct result of MOHELAs failure to communicate. I intend to consolidate these XXXX loans into a single loan to simplify reporting and repayment.\n\nI brought the account current. However, I am looking for assurance that the delinquent records will be removed upon payment, as the lack of notification was a failure on the part of the lender.\n\nI will be sending this to the CFPB and am notifying all of the credit bureaus of this active dispute.\n\nAs I told Mohela that didn\'t want to help me. I am willing to do anything to correct this failure by Mohela.\n \nSincerely,\XXXX XXXX\XXXX XXXX XXXX XXXX XXXX FL XXXX\nUnited States'

Company response to consumer: Untimely response
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid off my credit card using their website. The following month there was a {$1.00} charge for interest. I paid it using their website same method as I had done every month. They claim the account number was invalid even though I never changed anything and charged me {$30.00}. I had to pay it as they refused to return it. I called my bank and there is no record of them ever attempting to take out the {$1.00}. So they are willing to lose a customer who has never been late on a payment because of a computer glitch!

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 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
To whom this may concern, I am writing regarding an alleged debt referenced above. I dispute the validity of this debt and request that you provide validation of the debt as required by the Fair Debt Collection Practices Act. Please treat this letter as a formal request for validation and cease all collection activities until you provide the documentation requested below. Please provide the following information and documentation : debt validation The name of the original creditor. The amount of the alleged debt and an itemized statement showing how the amount was calculated, including principal, interest, fees, and any other charges. A copy of the original signed contract or agreement that shows I am legally obligated to pay this debt. Proof that you are authorized to collect on this debt, including a copy of any assignment or chain of title showing transfer from the original creditor to your company. A complete payment history from the date the debt was incurred to the present. The name and address of the current creditor to whom the debt is owed, if different from the collector. Verification of your license to collect debts in my state, including license number and issuing authority, if applicable. If you can not provide the requested validation, you must immediately cease all collection efforts, remove any negative information related to this alleged debt from my credit reports, and notify any credit reporting agencies to which you reported the debt that the debt is disputed and unverifiable. Please send all correspondence and documentation to the address listed above. I request that you communicate with me only in writing. Do not contact me by phone. This is a request for validation only and not a refusal to pay if you can provide proper validation. I reserve all rights under federal and state law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
Jefferson capital is showing up on my credit report as an original creditor! I have never had an account with jefferson capital and as far as I can tell they are a XXXX party deby collector. Not a original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
~ XX/XX/year> I spoke with agent at UFB to close my account. There was a balance Idalready transferred but a small amount ~ XXXX in interest remained. I asked the remaining g balance be mailed to me in Florida, as instructed I went into my account and changed the mailing address. Agent confirmed on phone the mailing address update. She then suggested I follow up with an internal message requesting closure of account. She assured me the acried interest would be mailed and the account would automatically close because the balance was being mailed. Today XX/XX/year> no check of my remaining balance ever arrived and adding insult to injury UFB has claimed my interest as bank fees. Highly illegal, highly unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
XXXX XXXX sent over a collection notice to waypoint resources group LLC for a debt that is not mine. I do not know who XXXX XXXXXXXX is. I have never used XXXX XXXX I have been wrongly charged. This is fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unlawful information regarding an account furnished by XXXX XXXX XXXX. I have an active dispute on this account, yet the furnisher updated the account status to Collections on XX/XX/year>, while the dispute was still open. This violates multiple sections of the Fair Credit Reporting Act : 1. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not provide information they know or should know is inaccurate. Updating an account to Collections during an active dispute is knowingly furnishing incomplete and misleading information. 2. FCRA 623 ( a ) ( 3 ) Furnishers must clearly report an account as in dispute when a consumer disputes the information. Credence updated the account without marking it as disputed. 3. FCRA 611 ( a ) ( 1 ) ( A ) TransUnion must conduct a reasonable reinvestigation. Allowing a furnisher to add new derogatory information during a dispute demonstrates a failure to ensure accuracy and completeness. 4. FCRA 607 ( b ) TransUnion must follow reasonable procedures to assure maximum possible accuracy. Allowing derogatory updates during a dispute violates this requirement. Additionally, XXXX XXXX Managements update on XX/XX/year> appears to be retaliation for the dispute, and the information furnished is not supported by any documentation. No validation or original creditor evidence has been provided. Requested Resolution : Remove/delete the XXXX XXXX XXXX account from my TransUnion credit file due to furnishing violations and failure to comply with FCRA dispute requirements. Require the furnisher to cease reporting until they can provide legally required documentation. Provide written confirmation of deletion. I am attaching a screenshot showing the date the furnisher updated the account during my dispute. TransUnion is responsible for ensuring accuracy and preventing unlawful updates during an investigation. I am requesting immediate corrective action.

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 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am reporting an unauthorized account modification and misdirected funds involving my Cash App account. On or about XXXX XXXX, 2026, a deposit in the amount of {$2500.00} that was intended for my VISA ending in XXXX thru my Cash App account. Instead it was routed to a bank/card ending in XXXX associated with Stride Bank XXXX which I do not own or recognize. I did not authorize the addition of this account, nor did I authorize any transaction involving it. Upon discovering the issue, I immediately contacted Cash App and reported the transaction as unauthorized. I also reviewed my account and identified the unknown account/card ending in XXXX. Cash App conducted an investigation and denied my claim, stating that the transaction was authorized by me or someone using my credentials. I dispute this determination. This situation involves an unauthorized external account being linked to my profile and used to redirect funds, not a valid authorized transaction initiated by me. I have requested documentation supporting their determination, including IP addresses, device information, login history, and the method by which the account ending in XXXX was added, but this information has not been provided. Actions taken by me : Reported the issue to Cash App immediately Secured my account and reviewed linked accounts Requested documentation and reinvestigation Filed a complaint due to unresolved denial Actions taken by the company : Conducted an investigation and denied the claim Stated the transaction was authorized without providing supporting evidence I am requesting a full reinvestigation, documentation supporting their determination, confirmation of how and when the unknown account was linked, and recovery of the misdirected funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I got an emergency loan from omni financial due to building debt and family emergencies around XXXX of XXXX ( unable to locate original messages of confirmation, as the company wiped everything from before XXXX of XXXX ) I can not remember the amount at the time, but I was forced to use my military XXXX for payment, as I was hurting for money and needed to take care of my family, I signed the agreement and went on. Not knowing it's a violation of the MLA I then had to play catchup on bills after clearing most debt and then had to get another loan. The second loan was around XXXX of XXXX, and I was still unaware of the MLA and once again forced to use my XXXX to pay. Nearing my seperation date from the XXXX XXXX, I made contact with the Omni Financial office and went in to pay off my remaining balance. The lady I spoke to then charged my ( now closed ) checking account and told me I'd recieve confirmation in the mail that my debt has been paid in full. Come my seperation date, I recieved ~20-30 phone calls from different phone numbers, some including using the caller ID of " XXXX '', as well as threatening me with criminal charges and " we will ruin your life '' comments. When I attempted to verify i paid the debt, I was told there was no proof of my payment ever being made, as well as being told the lady I spoke to doesn't exist within the company. I then made contact with the same office and attempted to verify my payment, and immediately upon verifying who I was, they hung up. I've attempted to make disputes for my credit, but omni financial maintains the belief facade that I never paid the ~ {$4300.00} balance. As well as very poor reporting practices, such as not reporting payments for months on end, or even incorrectly reporting on-time payments as " late ''

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 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MN

Complaint narrative:
How is Westlake financial not been sued yet??? Seriously they are fraudulent work with shady dealers that will sell u broken cars then when u state the facts that the car broke down in XXXX weeks both the dealership and the bank say XXXX you pay us. After a long legal battle we finally came to a settlement amount then when I want to pay an agent said the timeframe ran out that I have to pay the full amount of a car I don't even have anymore XXXX then I call again and another agent said ok then weeks later I call again since I didn't get any letter saying balance XXXX and they said yeah my account is it open with the original balance then I have to tell them we came to a settlement then the guy said he had to put in a request to send of the letter on a case that I already made them pick up the car and multiple letters on different settlement amounts that I already paid!?!!!? Seriously XXXX and there are endless stories on Westlake, SEND ME BALANCE XXXX ALREADY SO I CAN SEND THAT INTO TO XXXX XXXX etc

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion is reporting a new collection account from XXXX XXXX with a past due amount of {$450.00}, reported on XX/XX/year>. I have never received any notice, letter, email, or communication from this debt collector prior to this reporting. This violates the Fair Debt Collection Practices Act ( FDCPA 809 ), which requires a debt collector to provide written notice within 5 days of initial communication and before furnishing information to a credit bureau. I was never given my 30day dispute rights, and no validation was provided. Additionally, reporting a collection without validation violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting inaccurate or unverified information. The furnisher has provided no documentation to support this debt. I am requesting : Immediate deletion of the XXXX collection account from my TransUnion credit file Written confirmation of deletion Investigation into the furnishers failure to provide required notice and validation This account was added without acknowledgment, without validation, and without compliance with federal law.

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 2026-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been trying to pay my mortgage online or over phone for over a week now through fifth third bank who services my loan. They have recently changed the way payments are processed for mortgages, prompting a new webpage redirect. When I go there I get an error and am unable to initiate a payment. I have called their support line XXXX times, got hung up on after XXXX hours each time. I used their messaging service and no one helps, they either repeat the same instructions which do not work, or end the chat early. Every time I attempt the support, they are either wildly unhelpful or straight up rude and aggressive to me. I have repeated the chat XXXX times now, and everytime they go through the same steps which do not work, even after i tell them they don't work, they just end the chat or say some stupid XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had a credit card payment back in XX/XX/year>2024 that was almost {$300.00} which I paid. Later on a couple months down the line I find out that they rejected my payment and gave the money back without notifying me of that event. I called the company and they said there was nothing they could do. I reported with XXXX and they didnt fix the problem either even with the screenshot that I attempted to pay. This had affect my credit for the past year and a half almost.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On or around XX/XX/XXXX, another individual visited XXXX XXXX XXXX XXXX XXXX attempt XXXX purchase a vehicle. I was later contacted and went XXXX the dealership on a separate occasion solely XXXX sign documents. I did not intend XXXX purchase a vehicle or assume financial responsibility. I was told by dealership staff that I would only be acting as a XXXX However, I was later listed as the primary buyer without my knowledge or informed consent. At the time of signing, all documents were presented in XXXX, which I do not speak fluently. No XXXX translations were provided. I relied on explanations from a dealership employee, who had a financial interest in the transaction. I did not understand that I was being designated as the primary XXXX During the transaction, my credit information was disclosed XXXX the other individual without my authorization. Following this disclosure, I experienced repeated pressure XXXX participate in the transaction. I ultimately agreed only under the belief that I would have a limited role as a XXXX I never possessed, used, or controlled the vehicle. It remained exclusively in the possession of the other individual. In XX/XX/XXXX, I received notice that the vehicle had been repossessed and sold. I was informed that I am now being held responsible for a deficiency balance of approximately {$9300.00}. I have already disputed this matter directly with the lender and the dealership.

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 2026-04-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: NV

Complaint narrative:
I enrolled with National Debt Relief in XXXX with the understanding that they would help reduce and settle my debts. Since enrolling, I have made consistent monthly payments into the program, totaling thousands of dollars. However, I have not received the services that were promised. Despite making these payments, my debts were not properly resolved, and I have experienced increased balances, additional fees, and worsening financial conditions. I was led to believe that my accounts were being actively managed and negotiated, but this was not the case. I recently discovered inconsistencies and misleading information regarding a supposed payment or settlement deadline. I was told that a payment was due on XX/XX/XXXX, yet I contacted the company on XX/XX/XXXX and was informed that the account had already been canceled due to nonpayment for that same date, which is not possible. This raises serious concerns about inaccurate or misleading communication. Additionally, I have been unable to access my full account history. The company only provides limited recent statements and does not allow access to my complete payment history dating back to XXXX. I formally requested a copy of my contract, a full payment history, and detailed account records, but this information was not provided. Throughout this process, funds were withdrawn from my account regularly, yet there is little to no evidence that meaningful progress was made toward resolving my debts. Instead, I am now in a worse financial position than when I initially enrolled. I am requesting a full accounting of all payments made, copies of all agreements and contracts, and an explanation of how my funds were used. I am also requesting appropriate reimbursement or corrective action for services that were not delivered as promised. This situation has caused significant financial hardship and XXXX, and I believe the company has failed to act transparently and in good faith.

Company response to consumer: Closed with explanation