vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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: AZ

Complaint narrative:
I am filing this complaint against MOHELA regarding my federal Direct Consolidation Loan ( current balance {$26000.00}, highest balance {$29000.00}, opened XX/XX/XXXX ). Despite a 100 % on-time payment record, I have documented three serious violations : ISSUE 1 UNAUTHORIZED FORBEARANCE AND IDR SUPPRESSION : My credit report and official XXXX records show approximately 19 months of unexplained forbearance gaps across late XXXX, late XXXX, and all of XXXX. At no point was I adequately informed that I could remain on an Income-Driven Repayment plan with a {$0.00} qualifying payment that would count toward loan forgiveness. I was placed in forbearance without proper disclosure of IDR alternatives the identical conduct for which XXXX was held liable in a {$1.00} XXXX settlement. MOHELA returned my account to repayment in XX/XX/XXXX then placed it back in forbearance just ONE MONTH later in XX/XX/XXXX. ISSUE 2 IDR QUALIFYING PAYMENT COUNT NOT CONFIRMED : MOHELA has never provided written confirmation of whether my forbearance months count toward my IDR forgiveness total. My XXXX dashboard shows a court-order notice stating IDR payment counts can not currently be displayed. My loan is in administrative forbearance until XX/XX/XXXX with an estimated payoff date of XXXX XXXX XXXX years beyond when forgiveness should occur. ISSUE 3 PRIOR DISPUTE RESOLVED WITHOUT NEUTRAL REVIEW : My credit report states : " Previously In Dispute Now Resolved Reported By Subscriber. '' MOHELA resolved its own dispute with no neutral oversight and provided me no documentation of what was disputed, how it was investigated, or the basis for resolution. ISSUE 4 INTEREST CAPITALIZATION FROM IMPROPER FORBEARANCE : Despite {$9000.00} in payments, my balance has decreased only {$4900.00} from its highest point consistent with repeated improper interest capitalization caused by unauthorized forbearance use. I submitted a Qualified Written Request to MOHELA via certified mail on XX/XX/XXXX demanding complete records. No response received. I request CFPB investigate MOHELA 's forbearance practices and compel written confirmation of my IDR qualifying payment count.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SG and Associates
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX, XXXX, National credit systems, Account number : Dear ( Debt Collector ), I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. Best, XXXXXXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Subject : Formal Complaint Regarding Unauthorized Disclosure of Private Financial Information To Whom It May Concern, I am submitting a formal complaint regarding a serious privacy violation that occurred at the Citibank XXXX XXXX located at XXXX XXXX XXXX, XXXX, VA XXXX, on XX/XX/year>, between approximately XXXX XXXX and XXXX PM. I visited the branch with my wife solely to complete and notarize an Affordable Dwelling Unit ( ADU ) XXXX Occupancy Affidavit. During the process, I briefly presented my debit card for identification purposes related to my banking relationship. Without my request or consent, a Citibank employee accessed and verbally disclosed my personal credit card balance in front of my wife, specifically stating that I had approximately {$18000.00} in credit card debt and suggesting that I replace it with a personal loan. My wife is NOT : - a joint account holder ; - an authorized user ; - a co-borrower ; or - otherwise authorized to receive any information regarding my personal credit accounts. The employees disclosure of my private financial information in front of an unauthorized third party caused serious personal distress and family conflict. I believe this conduct represents an improper and unauthorized disclosure of nonpublic personal financial information and a serious violation of customer privacy expectations.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Complaint Against : Chime XXXXinancial , Inc. ( and its partner banks, XXXX XXXX XXXX or XXXX XXXX, XXXX. ) Account Number ( XXXX ) : Dates of Issue : XX/XX/year> XX/XX/year> Description of the Problem : On XX/XX/year>, XXXX unauthorized ATM withdrawals were made on my Chime debit card : {$300.00} withdrawal at XXXX PM {$200.00} withdrawal at XXXX PM This totaled {$500.00} in unauthorized transactions. That same morning, I believed I had misplaced my debit card at a gas station. I immediately called Chime and filed a dispute for these XXXX ATM withdrawals, explaining the circumstances. As requested during the dispute process, I took a picture of my debit card ( which I later found under the seat in my car ) and sent it to Chime as supporting evidence. On XX/XX/year>, Chime denied my dispute. I did not make these withdrawals and was not near the ATM location at the times they occurred. I request that Chime obtain and review the video footage from the ATM machine for both transactions ( at XXXX PM and XXXX PM on XX/XX/year> ) to verify that the person making the withdrawals was not me. As of today ( XX/XX/year> ), the {$500.00} has not been returned to my account. This has created financial hardship for me. Additionally, I request that Chime remove any negative remarks, flags, or holds placed on my account as a result of this dispute. Chimes quick denial of my dispute without a thorough investigation ( including checking available ATM video evidence ) appears to fall short of reasonable procedures for handling unauthorized transaction claims. Requested Resolution : I request that Chime : Immediately reverse the XXXX unauthorized transactions and credit my account with the full {$500.00}. Obtain and review the ATM video footage from XX/XX/year> at approximately XXXX PM and XXXX PM to confirm the withdrawals were not made by me. Remove any negative remarks, restrictions, or adverse information on my Chime account related to this matter. Provide me with a written explanation of their investigation, including the results of the ATM video review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
b'I have two related issues with my XXXX Credit card (account ending XXXX), managed by Comenity Capital Bank.\nIssue 1 Wrongful interest charge of $XXXX: In XXXX XXXX Comenity failed to process my scheduled autopayment an error on their end, not mine. My autopayment had been active and consistent for over a year (monthly $XXXX payments since XXXX XXXX). I called on XXXX XXXX XXXX to resolve the matter. A supervisor acknowledged the companys error, explicitly waived all associated interest charges, and I made a $XXXX payment that same day in reliance on that promise. Despite this, I was billed $XXXX in interest. I sent a formal dispute letter by certified mail, delivered XXXX XXXX XXXX (USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX). Comenity denied my dispute on XXXX XXXX XXXX, citing no new information yet the key evidence (the XXXX XXXX call recording) is in their possession. They have refused to review it.\nIssue 2 Unauthorized ACH debit after account deletion: On XXXX XXXX XXXX, I deleted my XXXX XXXX checking account from XXXX Account Center. XXXX sent me an email confirmation that same day confirming the deletion. Despite this, on XXXX XXXX XXXX, Comenity/XXXX debited $XXXX from that deleted account without my authorization. I have the deletion confirmation email as proof.\n\nI have sent an escalation letter demanding: (1) reversal of the $XXXX interest charge; (2) written confirmation of $XXXX balance; (3) production of the XXXX XXXX call recording; (4) reversal of the unauthorized XXXX XXXX ACH debit; and (5) no negative credit reporting during this dispute.\n\nComenity has not resolved either issue.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
In my car loan balance is XXXX. I called the bank today to get a payoff. However, they said that there is no discounts on paying it off early which I believe to be incorrect. Why would I have to pay the same today as I would have to pay in 3 years from now? Because it's a 7 year loan. And so far, I've had it for about 4 years. I feel they're scamming me.Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MS

Complaint narrative:
To Whom It May Concern, I am disputing the validity and accuracy of the alleged debt referenced in your correspondence. Please provide the following information in writing : The name of the original creditor The date the debt was allegedly incurred The amount of the original debt Documentation showing that I am legally responsible for this debt Documentation showing your legal authority to collect on this account The date the account was transferred or purchased by your company To the best of my knowledge, any valid debt associated with this matter should have been included in and discharged through bankruptcy proceedings. In addition, I have been unable to obtain proper verification or supporting documentation regarding this alleged account. Furthermore, I do not recognize your company as a creditor, nor do I believe I have ever had a direct account or agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. If you can not provide proper verification, I request that you cease all collection activity and stop sending correspondence to my address regarding 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
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding ongoing fraudulent activity on my credit card account and the companys failure to properly address it. To date, approximately $ [ insert amount ] in fraudulent charges has been incurred and reported against me, including negative impact to my credit. I have spent hours calling and sending multiple emails to report this fraud and request assistance. Despite these repeated efforts, no meaningful action has been taken to stop the fraudulent activity, and charges have continued. During my most recent interaction, a representative incorrectly stated that I never reported fraud and had only called about a declined card. This is completely false and demonstrates a serious failure in documenting customer reports and handling fraud claims appropriately. The company has failed to properly investigate the fraudulent charges, prevent further unauthorized activity, or correct the inaccurate reporting affecting my credit. Additionally, my repeated emails have gone unanswered, and there has been no clear communication or resolution. I am requesting an immediate investigation, removal of all fraudulent charges, correction of any negative credit reporting, and a full review of how this matter has been handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
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 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
b'I received an e-mail to call XXXX XXXX XXXX I finally got someone from the Philippines that could not understand English or anything else either. I provided the name of XXXX XXXX XXXX on XXXX I paid XXXX it was sent on XXXX reference XXXX check # XXXX ,It was mailed because it is not really an XXXX XXXX credit card although it states that on the face the address on the statement matches no XXXX XXXX so it had to be mailed. I called the bank they ask for the credit card # XXXX times I enter it they cannot find it so the ask for my social security # they cannot find the either then it is back on an infinite run to the card # they cannot find. I got the phone number from a previous complaint still not resolved in any way. I responded in several e-mails to a XXXX XXXX at the bank her responses were useless and sporadic in my last e-mail about this payment I stated if you have any decency you will respond to this e-mail. I paid the bill they have not credited my account .No other card is this much trouble because the sending address matches the name on the card which this one does not.\nRespectfully submitted \nXXXX 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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Citi XXXX card. The payment was set up as auto pay for years. XXXX payment was returned for no reason. I didnt know until I saw the interest charge so I called Citi XXXX XX/XX/XXXX. They cant tell me why it was returned so I just submitted the payment over the phone with the same Citi checking account that I used for autopay and they did waive the interest of {$2.00}. The auto pay was still valid although they didnt know why it was returned. Since the autopay was still valid so I didnt check the following months bill. Then XXXX payment ( only {$54.00} ) was not applied. But XXXX payment was applied as autopay and I was charged {$1.00} interest. Now the current bill due date XX/XX/XXXX has an interest of {$21.00}. I called Citi on XX/XX/XXXX and they refused to refund me the interest and told me to talk to Citibank concerning the returned payment. I signed on to my online account and found out the XXXX payment was withdrawn from a closed checking account I had 10 years ago. In all these months, I didnt change anything on my account regarding payment so its Citi cards mistake to withdraw the money from a closed account even though that account was still showing in my payment account as an old account but thats not the account that I setup for auto payment. Citicard should refund me all the interest charges

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 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding deceptive practices and the failure to refund two separate {$250.00} order deposits totaling {$500.00}. I initially placed an order with XXXX ( Order Number XXXX ) and paid a {$250.00} order fee, which I later cancelled. A XXXX representative named XXXX explicitly told me that if I placed a second order, my first {$250.00} deposit would be refunded. Relying on that representation, I placed a second order ( XXXX XXXX XXXX ) and paid another {$250.00} deposit, but XXXX never refunded the first deposit as promised. After my second order was placed, XXXX repeatedly misrepresented when my Motor Vehicle Purchase Agreement ( MVPA ) would be available. I was first told it would be ready within XXXX hour, then called back and told a few more hours, and XXXX days later I still had not received the MVPA or any meaningful update despite repeated assurances from XXXX and other representatives. Due to this ongoing pattern of false statements and failure to finalize the transaction in any reasonable timeframe, I cancelled the second order and purchased a XXXX through XXXX instead. XXXX has collected {$500.00} from me across two deposits ( XXXX and XXXX ), made multiple misrepresentations to induce me to place the second order, and has refused or failed to return either amount. I am requesting a full refund of {$500.00} and asking the CFPB to review XXXX 's deposit collection, refund, and disclosure practices, which appear to involve deceptive conduct and unfair treatment of consumers during the vehicle purchase process.

Company response to consumer: Untimely response