vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting associated with several federal student loan accounts serviced by MOHELA. My student loans are currently in an approved in-school deferment status while I remain actively enrolled in school. The accounts reflect that payments are not due until XX/XX/XXXX. Despite this, the accounts continue to be reported as potentially negative, which is adversely affecting my credit profile and financial standing. Because these loans are deferred, I am not currently obligated to make payments. Reporting these accounts in a manner that suggests delinquency or ongoing negative payment activity during an active deferment period is misleading and does not accurately reflect the current status of the accounts. Additionally, several of these accounts originated between XXXX and XXXX. I request a full investigation into whether any historical derogatory reporting is being inaccurately maintained, improperly updated, or unlawfully re-aged beyond the reporting limitations permitted under the Fair Credit Reporting Act ( FCRA ). As part of this investigation, I am specifically requesting : The original date of first delinquency for each account A complete payment history/payment grid for each tradeline Verification of all deferment periods applied to the accounts Documentation supporting any derogatory reporting currently being furnished to the credit bureaus Verification that no delinquency is being reported for periods in which the loans were in approved deferment status Confirmation that no negative reporting has been improperly re-aged or refreshed I request that MOHELA and the credit reporting agencies immediately correct or remove any inaccurate, misleading, outdated, or unverifiable negative reporting and update the tradelines to accurately reflect the accounts as current and deferred with no payments due until XX/XX/XXXX. This reporting is causing ongoing financial harm despite my accounts being in an approved deferred status. I request written confirmation of the investigation findings and all corrections made to my credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am requesting guidance regarding a dispute involving the purchase and financing of a solar panel system. In XX/XX/XXXX, I purchased solar panels through the seller, XXXX XXXX XXXX XXXX, with financing provided by Service Finance Company , LLC. On XX/XX/XXXX, XXXX filed for XXXX XXXX bankruptcy in Delaware, citing a liquidity crisis, high interest rates, and declining demand. Since then, I have encountered significant issues related to the product and warranty coverage. My roof is now leaking, and my homeowners insurance company has advised that the damage appears to be related to the solar panel installation. I contacted Service Finance Company because the product I purchased and financed included service and warranty coverage as part of the total financed amount. However, Service Finance informed me that they do not assume responsibility for dealer service or warranty agreements and therefore can not assist with repairs or warranty-related claims. I also requested to discuss possible contract renegotiation given that a key part of what was sold to meongoing service and warranty supportis no longer being honored due to the sellers bankruptcy. Service Finance responded that all sales are final and declined to negotiate. I am seeking guidance regarding my rights as a consumer and whether Service Finance Company has any responsibility when financed services and warranties can no longer be provided due to the sellers bankruptcy. Thank you for your time and assistance. I would appreciate any direction you can provide regarding possible next steps. Sincerely, XXXX 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 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
The accounts under my phone number are my bank accounts they changed the information on them and blocked me from having access to the accounts I want my money and them prosecuted there are a total of XXXX XXXX accounts under my phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am filing this complaint against GM Financial due to an ongoing, bad-faith obstruction of my contractual right to purchase/pay off my vehicle. Refusal to Provide Contractual Documentation I have contacted GM Financial to obtain an official, itemized written payoff quote in order to finalize the buyout of my vehicle. GM Financial representatives have strictly refused to provide any written payoff documentation via mail, email, or their online portal. They are only offering a verbal payoff amount over the telephone. Because third-party financial institutions and credit unions require an official written dealer/lender buyout quote to cut a check, GM Financial 's refusal to provide this document effectively blocks my ability to exercise my contractual right to purchase the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> To : XXXX Subject : Request for Debt Validation Under FDCPA Dear Sir or Madam, I am writing regarding the alleged account your company is reporting and/or attempting to collect. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. I dispute the validity of this account and request that you provide the following : 1. The name and address of the original creditor 2. The original account number 3. A complete itemization of the alleged balance 4. Copies of any signed agreements or contracts bearing my signature 5. Proof that your company has legal authority to collect this debt 6. Documentation showing chain of assignment or transfer of ownership 7. Proof that the debt is within the applicable statute of limitations Under 15 U.S.C. 1692e, a debt collector may not use false, deceptive, or misleading representations in connection with collection activity. Reporting inaccurate or unverifiable information to consumer reporting agencies may constitute a violation of federal law. Until proper validation is provided, you must cease collection activity and cease reporting this account pursuant to 15 U.S.C. 1692g ( b ). If you can not provide competent evidence validating this debt, I demand immediate deletion of all references to this account from all consumer reporting agencies. Please note that this correspondence is not an acknowledgment of liability, nor permission to restart any statute of limitations period. I request all future communications be made in writing only. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Mohela has not been accepting my payments towards my loans. They have attempted to blame it on my bank for not processing the payments but when I talked to my bank, they said they do not have a history of payments in the last six months coming through to them. Mohela has made it extremely time consuming and burdensome to contact them, leaving borrowers like me on the line for more than two hours. In the meantime, my loan has accrued by more than XXXX in the past six months. Had my payments gone through, the amount would not have jumped so high. Now, they are making it difficult to even make payments process on their website and despite me asking for their account number/routing number so that I can wire the money through my bank instead, they are not being cooperative and keep transferring me to other people. I also keep opting to stay on autopay, and they keep taking me out of it. This is predatory, and borderline a fraudulent scheme to have payments and interest accrue. I am extremely frustrated and have not been able to properly contact a Mohela representative to get this resolved. I have asked my bank for some statements to show that this is not on their end but all they are able to give on paper is my routing number for Mohela 's reference.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am opening this related complaint solely because the CFPB portal does not allow consumers to attach new, time-sensitive documentation to an active case while the company 's response is pending. Please immediately link this submission and the attached document to my primary, active CFPB Case XXXX XXXXXXXX. Reason for Document Addition : On XX/XX/scrub> 2026, Capital One extended their response time to my primary complaint by XXXX days. Because this delay pushes their resolution date past my upcoming XX/XX/XXXX billing cycle due date, I am formally invoking my rights under the Fair Credit Billing Act ( 15 U.S.C. XXXX ) to withhold payment on the disputed {$1600.00} fraudulent charge. I am attaching my formal " Notice of Withheld Payment Under the Fair Credit Billing Act, '' which I have also sent to Capital One 's Billing Error Department via XXXX Certified Mail with Electronic Return Receipt. I am submitting this to the CFPB to create an official regulatory record that I have legally withheld this payment. I am requesting that the CFPB monitor Capital One to ensure they do not violate the XXXX by assessing retaliatory late fees, finance charges, or negative credit reporting on this withheld amount while my primary investigation ( Case XXXX XXXX ) remains open.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Klarna AB
State: OK

Complaint narrative:
In XXXX XXXX someone opened 2 fraudulent accounts through Klarna with my personal identification without my authorization or knowledge. I have been working with XXXX to assist in clearing me of this fraudulent activity. XXXX submitted a formal dispute to their street address office on XX/XX/XXXX. The documentation provided to Klarna included a copy of the police report, copies of my identification and copy of proof residence for the time the fraudulent accounts were opened. Then I received delinquent notices on XX/XX/XXXX. I called their offices on XX/XX/XXXX and was told they were submitting an escalation for investigation. On XX/XX/XXXX, I again received late payment notices. XXXX sent a 2nd dispute on my behalf on XX/XX/XXXX. After hearing nothing, XXXX sent a 3rd dispute on XXXX. As the fraudulent accounts are still reporting to my credit reports, I contacted their offices again today ( XX/XX/XXXX ) and was once again told he was " submitting it for an investigation '' and that I would need to provide documents to prove my claim. I refused to download their app to submit the documents, so XXXX has again sent all documentation to support my fraud claim. However, as I have been told this twice now and these accounts have reported to my credit report in violation of my rights under the Fair Credit Reporting Act, I want to submit a formal complaint through CFPB to ensure my credit histories are corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX withdrew XXXX dollars atm receipt showed withdrew but also said no money was dispensed from machine so I sent receipt to Cash App showing it was taken out of my account but no money disbursed to me. It should not take this long I gave them also phone number to atm machine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Subject : Urgent Complaint Regarding Excessive Charges and Harassment TJX Card Account Dear Sir/Madam, I am writing to formally raise a serious concern regarding the charges and collection practices associated with my TJX ( XXXX XXXX ) credit card account managed by Synchrony Bank. On XX/XX/scrub> 2025, I made a purchase of approximately {$33.00} at XXXX using my TJX credit card. Unfortunately, shortly after this transaction, I experienced an unexpected job loss, which significantly impacted my financial stability for a period of time. This was an extremely difficult phase personally and financially. To my shock and distress, I am now being asked to pay approximately {$190.00}, which includes multiple late fees ( around XXXX instances ) and accumulated charges that appear highly disproportionate to the original purchase amount. I would like to highlight the following concerns : Key Issues Disproportionate Charges : The outstanding amount has risen to nearlyXX/XX/XXXXtimes the original transaction, which is unreasonable for such a small purchase. Lack of Consideration for Hardship : My job loss was a genuine financial hardship. There appears to have been no attempt to offer flexibility or hardship support options. Repeated Late Fees OFXX/XX/XXXX : Multiple late fees have compounded the balance excessively, causing undue financial strain. Customer Service Experience : I am deeply disappointed with the tone and pressure from customer service representatives, who have insisted on immediate payment without acknowledging my situation. The approach has been stressful, harassing, and emotionally distressing, especially given my recent financial challenges. Request for Resolution Given the above circumstances, I respectfully but firmly request : A waiver or significant reduction of late fees and penalties Recalculation of the outstanding balance to a fair amount Consideration under financial hardship provisions Immediate cessation of aggressive collection pressure A manageable repayment arrangement ( if applicable )

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 2026-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am being charged without Evidence/proof on the following charges XXXX XXXX XXXX XXXX GYMSHARK- XXXX GYMSHARK- XXXX TJMAXX- XXXX GYMSHARK- XXXX New Balance XXXX These transactions were disputed but placed back on my account, i have been sent no documents or proof proving otherwise. Once the first fraud charge was done, I Called to report the fraud, but charges were still being added. XXXX has all the dates and charges that i reported but they are no help and are accusing me. I have been a customer for many years and never had this problem with fraud Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I received an XXXX XXXX card from XXXXXXXX XXXX. On XX/XX/year>, I tried to make a {$500.00} purchase, which is below my credit limit. I confirmed my card was active and that I had available credit. I called the XXXX XXXX customer assistance number as provided to me by XXXX. I spoke with a gentleman named XXXX, who confirmed that I was a new account holder and that my purchase was declined. He then did some research and said the XXXX card is not accepted at the store I tried to purchase from ( XXXX XXXX ). I asked him if he had a list he could share of where the XXXX card is accepted, and he said there isn't one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Date of transactions denying XX/XX/year>2026 Amounts {$19.00} Amounts {$51.00} Actions by me, I file a dispute, package never received. Action by company " PayPal '' denied dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: NV

Complaint narrative:
I am filing this complaint against XXXX for deceptive billing practices, failure to provide account statements upon request, and intentional manipulation of my credit report after the account was closed. 1. Denial of Statements and Unauthorized Charges The account in question was originally closed by the credit grantor on XX/XX/year>. Prior to this closure, I identified unauthorized and unrecognized charges on my account. I disputed this information and explicitly requested copies of my credit card statements to verify the transactions. The creditor flatly denied my request and refused to provide the requested validation and statements, in direct violation of standard consumer protection lending laws. 2. Inflation of Debt Post-Closure Following the closure, the account was subsequently placed into charge-off / profit-and-loss status. Despite the account being closed for over three months, the creditor has continued to artificially inflate the balance. The original credit limit was {$1000.00}. Over time, the creditor has tacked on excessive fees and interest not agreed upon in the original terms, escalating the balance by over {$600.00} to its current standing. 3. Recent Inaccurate Credit Bureau Reporting Most recently, betwee n XX/XX/year>, and XX/XX/XXXX, XXXXmonths after the account was closedthe creditor reported a further balance increase of {$81.00} ( raising the reported balance from {$1300.00} to {$1400.00} ). Because the account is closed and maxed out, they are reporting my credit utilization on this single line of credit at an astronomical 142 %. This continuous, monthly accumulation of predatory fees on a closed, charged-off account serves no purpose other than to manipulate my credit report, suppress my credit scores, and harass me into paying unverified fees. 4. Failure to Resolve I have repeatedly attempted to contact the creditor to resolve this issue and obtain proper documentation. My attempts have been met with zero response. Instead, they continue to report inaccurate, inflated data to the credit bureaus. Even though TransUnion notes " Dispute resolvedsubscriber disagrees, '' the creditor continues to actively damage my credit profile without providing the underlying billing statements to justify the debt.

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
We opened XXXX accounts at Huntington Bank, each to receive a bonus once certain requirements were met. XXXX was immediately rejected because we had been a customer previously. Only after completing the requirements for the other and waiting the required waiting time were we informed we would not receive the bonus for reasons not made clear. XXXX was our company, XXXX was our personal, so the bonus for the account for which we waited patiently and fulfilled all requirements was denied unfairly, perhaps illegally.

Company response to consumer: Closed with explanation