vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
This complaint is againstXX/XX/XXXXA private XX/XX/XXXXSignature Loan appears in my XX/XX/XXXXXXXX University records from XXXX, but I never applied for or authorized this loan. I contacted XX/XX/XXXXand requested any records under my SSN ( XXXX XXXX XXXX ) and my mothers SSN ( XXXX XXXX XXXX ). XX/XX/XXXXconfirmed they have no loan under either SSN, including historical or archived records.XX/XX/XXXXXXXX refuses to provide any documentation for this loan unless I obtain a subpoena. I am requesting an investigation into how a XX/XX/XXXX loan appears in my school records when XX/XX/XXXX shows no record of it ever existing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went online to pay off my XXXX credit card on XXXXThe total balance was {$340.00}. I paid it. The following day XX/XX/year>. I checked to make sure it posted. It did. But then they charged me an interest fee of XXXX. I called to ask why this happened and the lady was completely rude to me. Would not help me resolve the issue.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: VA

Complaint narrative:
XXXX and XXXX failed to deliver a complete FDCPA 1692g debt validation package after being identified as the legal servicer of an alleged XXXXXXXX XXXX debt of {$17000.00}. On XX/XX/XXXX, I filed CFPB Complaint # XXXX against Oliphant USA , LLC regarding their reporting of an unpaid {$17000.00} XXXX XXXX collection on my XXXX credit report. I disputed that this debt is the same XXXX account I settled in full on XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( their file XXXX, original XXXX account number XXXX, settled for {$11000.00} against a balance of {$17000.00} ). In Oliphant USA 's response dated XX/XX/XXXX, Oliphant stated : " we have requested that a validation of debt package be sent to you. The package will come from XXXX and XXXX who are servicing the account. '' As of the date of this complaint, XXXX and XXXX has either not delivered a validation package, or any package received does not satisfy the requirements of FDCPA 1692g. A complete validation package must include, at minimum : The original creditor 's name ( XXXXXXXX XXXX ) The original creditor 's account number The original loan origination date and amount The complete chain of assignment from XXXXXXXX XXXX to current owner XXXX XXXX XXXX Documentation distinguishing this account from XXXX account XXXX, which I settled in full in XX/XX/XXXX Without this information, I can not determine whether XXXX and XXXX is attempting to collect on a debt that has already been satisfied. The forensic evidence strongly suggests it is the same debt : Oliphant 's claimed balance of {$17000.00} is within XXXX XXXX ( {$290.00} ) of the XXXX XXXX XXXX XXXX settled balance of {$17000.00} Oliphant 's reported date of first delinquency ( XX/XX/XXXX ) matches the Upstart/FinWise XXXX loan timeline exactly The chain of ownership for XXXX is FinWise Bank XXXX XXXX XXXX XXXX Oliphant USA XXXX XXXX ) XXXX and XXXX ( legal servicer ) I had a SECOND XXXX-backed loan XXXX XXXX origination, account XXXX, opened XX/XX/XXXX ) with a date of first delinquency in XXXX, which would NOT match what is being reported. This rules out the XXXX loan as the source of XXXX and XXXX 's collection. XXXX and XXXX has a separate independent obligation under the FDCPA to validate the debt they service. Their failure to do so, combined with continued credit bureau reporting by Oliphant, constitutes : FDCPA 1692g - Failure to provide debt validation upon request FDCPA 1692g ( b ) - Continued collection activity ( via reporting on XXXX ) without validation FDCPA 1692e - False or misleading representation of the character, amount, or legal status of a debt FDCPA 1692f - Unfair or unconscionable means to collect a debt I am preparing to apply for a home mortgage and the continued reporting of this disputed, unvalidated debt is materially harming my XXXX credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NEW YORK COMMUNITY BANCORP INC
State: AZ

Complaint narrative:
After going through application process and providing all requested information, XXXX sent a letter dated XXXX XX/XX/year> saying they denied our application on XXXX XX/XX/year>. The letter stated their decision was based in whole or part on information from a CRA and listed Corelogic Credo as the CRA. We requested their report and promptly received it. XXXX further stated their decision was based in whole or part on information from an outside source other than a CRA. The letter stated that under the FCRA we had a right to request disclosure of the nature of the outside information and gave us their XXXX 's XXXX, CA address as the address to send the request. By letter dated XXXX XX/XX/year> we made the request. We received no response other than a second letter dated XXXX XX/XX/year> identical to their XXXX letter other than to state they denied our application on XXXX XX/XX/year>. By letter dated XXXX XX/XX/year>, we again requested XXXX provide us the nature of the non-CRA outside information on which they based their decision. It has now been XXXX days since our first request and XXXX days since our second request. XXXX has not responded to either request.

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: CT

Complaint narrative:
This complaint is about US Bank XXXX XXXX US Bank offers XXXX XXXX as a travel booking system for the credit card holders. After you search, you will see " free cancellation '' right next to the hotel name. Of course you will assume all the rates under this hotel are for " free cancellation ''. You just fell into the trap- only a few rates are. At this moment, because of the big " free cancellation '' sign right next to the hotel name, the consumers will not read it carefully and probably will book something non refundable. This happened to me. On XX/XX/XXXX, I booked one night of hotel for {$330.00} in US Bank XXXX XXXX. When I needed to cancel my hotel reservation, I noticed the " non refundable '' in my email reservation. I called US Bank XX/XX/XXXX and XXXX and sent them the misleading search page, the agent could not do anything.

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 2026-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am submitting this complaint to report a case of identity theft involving a fraudulent auto insurance policy created under my name with XXXX. I live in California and have never owned or insured any vehicles. Despite this, someone used my personal information to open a XXXX policy and add four vehicles to it without my knowledge or consent. The fraudster also made payments using a credit card that does not match my name or any of my financial accounts. When the payments stopped, the policy went delinquent and a collection was reported to my XXXX credit file. I immediately contacted XXXX and reported the policy as fraudulent. XXXX acknowledged the report, but I have not received any updates or resolution, and the fraudulent activity remains associated with my identity. I am requesting that the XXXX review this matter, as the creation of a multivehicle policy using stolen identity information and mismatched payment credentials indicates organized fraud. I am seeking assistance in ensuring the fraudulent policy is removed, the collection is cleared. Policy number XXXX XXXX cars added in 2 months. Its absurd they allow this with no protection XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am filing this complaint against Ally Financial for continuing to furnish inaccurate, misleading, and legally questionable information to the consumer reporting agencies despite multiple disputes and requests for investigation. The account referenced above was reportedly opened inXX/XX/XXXXand has already been paid in full. However, Ally Financial continues reporting derogatory and harmful information that negatively impacts my creditworthiness, financing opportunities, and financial reputation. I previously disputed this account directly with the furnisher and credit bureaus multiple times. Ally Financial failed to provide competent documentary evidence validating the reporting, yet continued furnishing the information as accurate. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. XXXX ( b ) ( FCRA Section XXXX ) Failure to conduct a lawful and reasonable investigation after receiving notice of dispute ; 15 U.S.C. XXXX ( b ) Failure to assure maximum possible accuracy ; 15 U.S.C. XXXX Failure to perform a reasonable reinvestigation ; 15 U.S.C. XXXX and XXXX ( FCRA Sections XXXX ) Liability for willful and negligent noncompliance. Ally Financial continues reporting information that is inaccurate, misleading, unverifiable, and unfair under federal and New York consumer protection standards. The company has failed to provide : Original signed contract ; Complete payment history ; Method of Verification ( MOV ) ; Documentation proving lawful authority and accuracy of reporting. I also invoke protections and public policy principles associated with the Predatory Lending Elimination Act ( XXXX ), which targets abusive, deceptive, and unfair financial practices that harm consumers through predatory lending and improper reporting conduct. Additionally, New York public policy and statute of limitation principles prohibit unfair attempts to continue damaging consumers through stale and misleading reporting practices associated with aged obligations. The continued furnishing of disputed and unverifiable information after repeated notice constitutes reckless disregard for federal law and consumer rights. Requested Resolution I request that the CFPB require Ally Financial to : Immediately delete this account from XX/XX/XXXX, and XX/XX/XXXX ; Cease all inaccurate and derogatory furnishing activity ; Provide complete Method of Verification documentation ; Correct all misleading or inaccurate account history ; Conduct a lawful FCRA-compliant investigation. I reserve all rights to pursue additional remedies under federal and state law for damages caused by this unlawful reporting.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was told the account was on hold due to my daughter depositing her school check in the account was told in order to get this matter resolved we need to verify that the check want bounce did that gave them the school number and called they was informed that check was sent and the check is valid was told once the call ended the funds should be sent out on the XXXX here it is the XXXX and i was told that the funds will sit in the account and we have to go in a bank we have no bank in this state with that name in other words was told cant help you and the funds will remain in the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
Motion to open judgement was filed in XXXX. XXXX attorney objected and I replied to that and XX/XX/year> the judge denied the facts that was dated XX/XX/year> which was submitted online XX/XX/year>. The XXXX SpS changed attorneys after the QWR was sent certified mail. SPS is pursuing an XX/XX/XXXX sale date using unverified black-and-white photocopies while omitting the original note and Temporary Power of Attorney from the court docket. : The plaintiff has omitted the Temporary Power of Attorney and the original wet-ink note from the state court docket. I have filed a formal motion to reargue and a request for production to expose these fatal defects before the XX/XX/XXXX sale date. I just sent XXXX documents here but I have more so can a email them to you if I get a link to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
please remove fraudulent accounts from my credit report

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 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
I am currently being sued by XXXX XXXX in court currently my next court date is XX/XX/XXXX. I have sent a certified letter to milestone card services to request debt validation, and they received it. I have the notification that they received it. They have not verified the debt. I would like this removed from my account and sent the information to XXXX XXXX to get this out of court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo ( WF ) is back to their old trick of setting up bogus accounts to earn more revenue. Wells Fargo does not research companies that Wells Fargo approves to charge a credit card issued by Wells Fargo. Also Wells Fargo does not concider a bait and switch scam as a fraud. Wells Fargo is now colluding with XXXX, who also is setting up bogus/temporary accounts to earn revenue. On XX/XX/year> I made an on-line purchase with a merchant for a product costing {$54.00} on that merchant 's web-site using my WF credit card. I received a receipt from the XXXX merchant for the correct amount. Within one minute I received another receipt for the same product from a company I never heard of or had dealings with from XXXX XXXX. The XXXX receipt up charged the charge to {$96.00} with no explanation and the {$96.00} charge is now posted to my Wells Fargo credit card by XXXX. I have opened disputes/complaints with both WF and XXXX and provide both finanicial companies with all communications. I also started immediately, after receiving the fraudulent up charge, communicated with both merchants to cancel my order with no sucess.

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 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
I was paying reduced trial payments each month for the past few months due to loss of job and death of spouse. I had to apply for a loss mitigation program to make a permanent reduced monthly payment if possible due to these factors. I was denied because they stated information was not given to them that was needed. I said what information was needed and they could not answer. I do know they sent me information for my deceased husband to sign and I sent death certificate which may have delayed things. I received a notice in the mail XX/XX/year> stating I am being denied mortgage assistance and owe XXXX immediately. I do not have this amount my credit score has gone down. I am told I am seven months behind in payments however there is proof that I paid the reduced trial payment in XXXX that was previously approved, and have been paying monthly the reduced amount. I called Amerihome on XX/XX/year> and someone stated that they would email me a reapplication but it has not come to my email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am submitting a formal complaint regarding my student loan accounts serviced by Nelnet. I believe my account information is being inaccurately reported and inadequately verified after my personal information was compromised. I have serious concerns regarding the handling, accuracy, and validation of my student loan data, including compliance with federal consumer protection standards such as the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), which governs the protection of consumer financial information. I attended XXXX University online based on representations regarding career outcomes and employment opportunities. After completing my studies, I was unable to obtain employment in my field. KXXXX University later closed, and I was required to transfer to XXXX XX/XX/XXXX University to continue my education. Despite these circumstances, Nelnet continues to report and manage accounts that I am disputing due to concerns about accuracy, verification, and potential compromised personal information. I am requesting : * Full validation of all accounts * Copies of original signed agreements or Master Promissory Notes * Complete servicing and payment history * Investigation into the accuracy and legal reporting of these accounts * Correction or removal of any information that can not be fully verified I am requesting a formal review and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX credit bureaus on my credit report.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
machine errored and failed to dispense my {$20.00}, but my account was debited. I filed a formal dispute with my bank, and they issued a temporary credit. However, the bank subsequently denied my claim and reversed the credit, taking the {$20.00} out of my bank account again on [ Date of Reversal ]. I am disputing this denial. I request that the bank review the ATM 's internal electronic journal records and perform a physical cash count audit for that machine on the date of the incident, which will prove the machine was over by {$20.00}. this happened on XX/XX/year> at the XXXX all points ATM machine for {$20.00}. I called them and they told me I had to file a dispute with my bank which was BMO and now have to give me credit, BMO took it back and said they denied my claim. so I called them back and I told him I need appeal my denial, then they gave me a claim number of XXXX XXXXXXXX

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