vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Self Financial Inc.
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against a company identified as Lead Bank SelfLand. On XX/XX/year>, this company attempted to withdraw {$200.00} from my bank account without my authorization. I have never heard of this company, I have no relationship with them, and I have received no correspondence, billing statements, or prior communication that would justify any attempt to debit my account. Lead Bank does appear to have a website. However, when I attempted to verify their legitimacy by reviewing their " About '' section, the link redirected me to a completely different company : XXXX XXXX. This raises serious concerns about transparency, business identity, and whether the attempted debit was connected to misleading or deceptive practices. There is no clear explanation for why Lead Banks website would route consumers to XXXX XXXX information. Here are the details : Company name used in attempted debit : Lead Bank SelfLand Attempted debit amount : {$200.00} Date of attempted withdrawal : XX/XX/year> No prior communication, agreement, or account with this company Lead Banks website redirects to XXXX XXXX when accessing the About section Thank you for your attention to this matter. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Summit A*R, Inc.
State: TX

Complaint narrative:
I signed up for the app and tried out the trainer. I didnt like him so I asked for another one. They told me that they didnt have any others in the area. That was misrepresentation on their part as I was signing up for personal training that had a CHOICE of providers. I told them I felt like that was fraud and I did t owe them the XXXX XXXX Then it hit my credit at $ {$4100.00}!!! This company lies and misrepresents the actual services that ypure getting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: NY

Complaint narrative:
I am submitting a formal complaint against MOHELA, my federal student loan servicer, for a sustained pattern of mismanagement, misinformation, and misconduct spanning more than two years that has caused me significant financial harm and serious mental health distress. SPECIFIC ISSUES : 1. INCORRECT PAYMENT COUNTS MOHELA has repeatedly provided inaccurate qualifying payment counts toward my Public Service Loan Forgiveness ( PSLF ) eligibility. Despite multiple contacts over more than two years, this has never been corrected. These errors directly jeopardize my path to forgiveness. 2. WRONG REPAYMENT PLAN INFORMATION I was given false and misleading information regarding my repayment plan. Being placed on or kept in an incorrect plan due to servicer error may have disqualified payments that should have counted toward my 120 qualifying PSLF payments. 3. WRONGFUL REMOVAL FROM FORBEARANCE WITHOUT NOTICE I was removed from forbearance without advance notice and in direct contradiction to the forbearance end date of XX/XX/year> listed on my own account. I provided documentation and verbal confirmation confirming this date to MOHELA and it's customer service representatives and that documentation was disregarded entirely. This removal was unauthorized, abrupt, and financially harmful. 4. FINANCIAL HARM As a direct result of MOHELA 's actions, I have incurred payments and significant interest that I should not have owed, lost qualifying PSLF payment counts, and suffered ongoing financial instability caused entirely by servicer error, not my own conduct. 5. NO RESOLUTION AFTER REPEATED CONTACT I have contacted MOHELA multiple times over more than two years seeking correction of these errors and clarity on why account adjustments had or had not been made. Each contact has failed to produce any meaningful resolution, often resulting in responses related to my income rather than the inaccurate information by the servicer. I have been given conflicting information, ignored, and misled on multiple occasions. IMPACT : This prolonged pattern of mismanagement has caused me severe mental health distress in addition to direct financial harm. I have been forced to repeatedly fight for basic accuracy in my own loan account, consuming significant time, energy, and emotional resources with no accountability from MOHELA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because there are collection accounts on my credit report that do not belong to me. I closely monitor my credit, and these accounts appeared out of nowhere without my knowledge or authorization. I never approved or had any involvement with these accounts, and it is unacceptable to see inaccurate information being reported under my name. This matter must be investigated and corrected immediately.

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 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sezzle Inc.
State: TX

Complaint narrative:
I am submitting a follow-up complaint regarding Sezzles prior response to my CFPB case, which did not address the core issue of my dispute. My concern is not simply about the accuracy of reported payment history, but whether the account and associated activity have been correctly attributed to me. In my previous complaint, I submitted substantial documentation, including : An FTC Identity Theft Report A notarized affidavit confirming identity misuse A bank fraud investigation outcome confirming unauthorized transactions These documents were provided to support my claim that I did not create or authorize the account or certain activity associated with it. However, Sezzles response focused only on payment history and credit reporting, and did not acknowledge or address any of the identity theft documentation I provided. They also did not explain how my identity was verified or how the account was linked to me. I am concerned that inaccurate or improperly matched consumer data may have been used in this determination, which I have not been given the opportunity to review or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I filed bankruptcy in XX/XX/year>. Chime opened a bank account during the bankruptcy. And now that the bankruptcy is discharged they are saying I have to contact a lawyer to get the funds. MY FUNDS! I have been told multiple different stories. An hung up on a hand full of times! They took {$140.00} of my money and over several phone calls since XX/XX/year> I have gotten absolutely NO where with them!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XX/XX/year> Id posted on XXXX around XXXX XXXX Eastern standard time a table and five chairs that I was selling. I dont sell or use XXXX very often but I had a individual comment on one of my posts saying they werent able to get in touch with me and to text their number because they were interested. due to it being a local number of my hometown, I thought the number and person was real. When texting they sent me a picture saying the payment was declined and asked for my email. I then received an email which I thought was from XXXX explaining that my account was public and their account was business and XXXX policy prohibits that transaction. I was unable to assist at this time due to my work schedule and being in meetings. I was contacted by what I thought was the buyer after hours if I got in touch with XXXX To reverse the block on my card I was asked to contact what I thought. Was there security team. And other email was sent to me explaining the steps on how to retrieve my account by paying {$1000.00} to a security deposit. The payments werent going through and I was asked to go onto XXXX since they are owned by the same company. They had asked me to send the link to another phone number that pretended to be XXXX which collected the {$1000.00}. They told me that it was not being processed. And had to do it again for {$1900.00}. I told them no and they asked for {$500.00}. In total the got under {$1600.00} out of my account which was paid to me today. All payments happened around XXXX XXXX. I was not able to call the bank. I contacted XXXX and they stated they are not able to help and I have to contact the bank. I have filed a police report : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was no treated fairly I was on a hardship payment plan due to having no income at the time for my credit card account, I was temporarily affected by the pandemic, I was told that everything wil be okay and not to worry and that all I needed to do was make any payment a month that I could make within 3 months. I was never told that the payment plan would end in after 3 months. However I managed to get my account current in XXXX XXXX. I was told that I would not be charged any late fees while in the program and that my account would be fine. when making payments it would only show partial payment amount instead of the full payment amount. I asked them to give me a new account because I was noticing that my payments often would reflect a different amount every time I paid something on it. A man over the phone started talking unprofessional to me the next thing I know My account was showing closed in the app after I told the guy that I was going to report him to his manager. This is discrimination and retaliation

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 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
I have been making my mortgage payments using a very convenient application called bill.com. For the last twelve months I was paying the payment through them by check, after some time they have subscribed to the bill.com network and I was able to send the payments electronically. All the check payments were received on time by the payee but after they switched to electronic payments they claim they had never received the payments. I have asked bill.com to start an investigation into the five payments I had made and they came back to me and confirmed that all the payments were transferred into SunWest Mortgage company account under my loan number. SunWest mortgage claims they had never received the payments and asked me to provide some kind of proof. I have asked SunWest Mortgage and they provided with SunWest mortgage payment network ID. I have provided them with the max details possible but unfortunately their customer service is very incompetent and are not able to help me stating that I could not use bill.com to make the payments which is not true and shows the level of unpreparedness and competence in the cs level.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft and am filing this complaint because the credit reporting agencies have failed to properly block fraudulent information as required by law. On XX/XX/year>, I completed an official FTC Identity Theft Report ( Report Number XXXX ). I am formally disputing a high volume of unauthorized inquiries specifically XXXX on XXXX, XXXX on Equifax , and XXXX on XXXX along with XXXX collection accounts : XXXX from XXXX XXXX for {$210.00} and another for {$3700.00}. These items were not initiated or authorized by me and are a direct result of identity theft. Despite my identity theft claim, these fraudulent entries remain on my credit file. Under Section XXXX of the Fair Credit Reporting Act, I am requesting that the companies involved immediately block and permanently remove these fraudulent inquiries and accounts to prevent further damage to my credit standing. Additional information provided by consumer : XXXX XXXX stated she would like this complaint to be sent to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint against Chase regarding a Zelle transfer that resulted in financial loss due to incorrect information displayed within the Chase mobile application. At the time of initiating the transfer, the Chase app displayed an incorrect recipient phone associated with the XXXX contact. I relied on the information presented within the app to complete the transaction. I have documented evidence ( screenshots ) showing that the recipient name displayed by Chase did not match the actual recipient of the funds. This issue is reproducible and appears to be an ongoing error within the Chase system, not a user mistake. Despite providing this evidence, Chase has denied my claim and refused to take responsibility. This represents a failure of the bank to provide accurate transaction information at the time of payment, which directly led to financial harm. I am requesting : 1. A formal investigation into the system error 2. Reimbursement of the transferred funds 3. Written explanation of how incorrect recipient information was displayed 4. Confirmation that corrective measures have been implemented I believe Chase has failed to meet its obligations to provide accurate and reliable transaction information to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX Subject : Request for Reinvestigation Under FCRA Disputed Account To Whom It May Concern, I am writing to formally request a reinvestigation of an account on my credit report that your agency previously marked as validated. I dispute the accuracy and completeness of this account on XXXX. Account Information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation if a consumer disputes the completeness or accuracy of any item on their credit report. Additionally, pursuant to 15 U.S.C. 1681e ( b ), you must follow reasonable procedures to assure maximum possible accuracy of the information reported. Your prior conclusion that this account was validated does not appear to meet the legal standard of a reasonable reinvestigation. Simply relying on automated responses or verifying with the data furnisher without reviewing actual supporting documentation does not satisfy your obligations under the FCRA. Therefore, I am requesting the following : 1. A detailed description of the method of verification used to verify this account, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) 2. The name, address, and telephone number of the party who verified this information 3. Copies of any original signed contracts, account applications, billing statements, or other documents used to determine that this debt is mine 4. Verification that this account complies with all applicable reporting requirements, including accuracy and completeness If you can not provide sufficient documentation to support the validity and accuracy of this account, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to promptly delete or correct this information from my credit report. Please complete your reinvestigation within the 30-day timeframe required by law and provide me with written results. If this matter is not resolved, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for failure to comply with federal law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

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 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to report an error in a debt collection process. The collection agency ( XXXX, a third party collection agency collecting on behalf of Jefferson Capital Systems , LLC. XXXX account number is : XXXX ) is erroneously accusing me of a debt that belongs to a different person. My name is XXXX XXXX, and the debt is not mine. I request a review of this case and an immediate correction of my records. I have attached copies of my identification and any documents that verify my identity. I look forward to your response and a resolution. Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
DEBT RE-AGING AND DECEPTIVE COLLECTION SCHEME : I settled an XXXX XXXX XXXX XXXX telecommunications account with XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, for {$2500.00}. XXXX XXXX transaction alert confirms payment dated XX/XX/XXXX at XXXX XXXX XXXX ( Confirmation # XXXX ). XXXX accepted this as payment in full and deleted the account from my credit report by XX/XX/XXXX. On XX/XX/XXXX, Credence Resource Management sent a collection letter ( Reference # XXXX ) claiming I owed {$1000.00} on this already-settled, already-deleted debt. On XX/XX/XXXX, I sent a formal written dispute via email to XXXX citing the Fair Debt Collection Practices Act 1692g, requesting debt validation and cessation of all collection activity. I referenced my XXXX settlement as proof the debt was resolved. On XX/XX/XXXX, Credence responded denying my dispute without providing legitimate debt validation. They reasserted the debt was owed but offered no proof of chain of title, no acknowledgment of my settlement, and no legal justification for collecting. On XX/XX/XXXX XXXX months AFTER my written dispute Credence deliberately created a NEW ACCOUNT with a NEW REFERENCE NUMBER ( XXXX ) for the SAME DEBT ( {$1000.00} ). This is debt re-aging, a scheme to evade my existing dispute and reset the statute of limitations. On XX/XX/XXXX, XXXX sent a SECOND collection letter ( Reference # XXXX ) offering settlement for {$540.00} using the new reference number to hide the fact this was the same settled debt. On XX/XX/XXXX, Credence reported this NEW account to XXXX as a collection account. The credit report notation states : " Account previously in dispute - investigation complete, reported by data furnisher. '' This proves Credence knew the account was disputed yet reported it anyway. On XX/XX/XXXX, my credit monitoring services ( XXXX and XXXX XXXX ) alerted me to a NEW derogatory mark from Credence Resource Management. The account shows : Reference # XXXX, Balance {$1000.00}, Account opened XX/XX/XXXX, Status " Closed, '' Payment Status " Seriously past due/assigned to collection. '' I have proof of settlement ( XXXX transaction alert + signed XXXX settlement letter ), proof of my written dispute ( XX/XX/XXXX email with timestamp ), proof of re-aging ( XXXX Credence letters with different reference numbers ), and proof of damage ( XXXX credit monitoring agencies confirming the false derogatory mark : XXXX, XXXX XXXX, and XXXX ). Credence has engaged in a willful pattern of debt re-aging, harassment, deceptive practices, and continued collection activity after receiving a formal written dispute. This violates the Fair Debt Collection Practices Act ( FDCPA 1692g, 1692d, 1692e ) and the Fair Credit Reporting Act ( FCRA 1681c-1, 1681e ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Request for XXXX XXXX XXXX XXXX Card ( Synchrony ) Account Closure and Forfeited Rewards I am filing a complaint against Synchrony Bank regarding the closure of my XXXX XXXX Card account and the forfeiture of approximately {$500.00} in earned rewards. My account was closed following XXXX returned paymentsone in XX/XX/XXXX and another on XX/XX/XXXX. These were not due to lack of funds or financial instability, but rather the timing overlap of transactions across accounts. I maintain strong credit, stable income, and multiple accounts in good standing. I did not receive any warning after the first returned payment or an opportunity to correct the issue before the account was closed. The two incidents occurred several months apart and do not represent a pattern of financial risk. Despite this, Synchrony Bank forfeited approximately {$500.00} in rewards that I had accumulated over time. These rewards represent earned value, not promotional or conditional credits. Their forfeiture appears punitive and disproportionate, particularly in the absence of fraud, default, or demonstrated credit risk. If no rewards balance had existed, the consequence would have been limited to account closure. Instead, I have incurred a significant financial loss tied solely to those accumulated rewards. I am requesting that Synchrony Bank provide a fair resolution, including restoration of the forfeited rewards or an equivalent statement credit. Thank you for your review of this matter.

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