vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: NC

Complaint narrative:
I am filing a complaint regarding improper Income-Driven Repayment ( IDR ) recalculation and a premature demand for increased monthly payments caused by conflicting federal instructions and servicer error. 

On XX/XX/XXXX, my loan servicer, MOHELA, sent me written correspondence stating that I was not required to recertify my IDR plan prior to XX/XX/XXXX and that this change would have no impact on my current repayment status or monthly payment amount. At that time, my approved IDR payment was approximately {$120.00} per month. 

On XX/XX/XXXX, I received an official email from Federal Student Aid ( U.S. Department of Education ) instructing me to manually recertify my IDR plan immediately due to a failure of the federal auto-recertification system, which was stated to be undergoing maintenance. Concerned about losing IDR eligibility, I complied in good faith with this federal directive.

Following this federally compelled recertification, MOHELA recalculated my monthly payment to over {$2700.00} per month and is now demanding that I begin making these payments starting in XXXX, despite prior written confirmation that my certification and payment amount would remain unchanged until XX/XX/XXXX. 

At no point was I informed that complying with the Department of Educations instruction would override my existing IDR certification or immediately trigger a new repayment obligation.

This issue resulted from conflicting federal guidance and acknowledged system failures, not from borrower error. MOHELA has failed to properly treat this recertification as administrative in nature and has instead imposed an extreme and unaffordable payment increase.

I am requesting that MOHELA restore my prior IDR payment amount, reinstate my original recertification date of XX/XX/XXXX, place my account into administrative forbearance while the error is corrected, and confirm that no delinquency, default, or adverse credit reporting will occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I am submitting this formal complaint to demand the immediate deletion of a charged-off personal loan account that is currently being reported and handled in violation of federal consumer protection and privacy laws. 

Following the charge-off of this account, my personal and financial information was sold, transferred, or otherwise disclosed to multiple third-party entities without my consent, authorization, or proper notice. As a direct result, I have been subjected to ongoing and unsolicited phone calls, emails, and other communications from unknown third parties. This conduct constitutes harassment and demonstrates a failure to safeguard my personal information. 

The original lender failed to provide transparency regarding the ownership of the alleged debt, failed to identify the entities to whom my information was disclosed, and failed to maintain control over the handling of my personal data. Once my information was improperly disseminated, the accuracy, integrity, and reliability of the account data were compromised beyond correction. 

Because my personal information has been unlawfully distributed and the account has been mishandled after charge-off, the tradeline can no longer be verified as accurate, complete, or compliant with the Fair Credit Reporting Act ( FCRA ). Continued reporting of this account under these circumstances is unfair, misleading, and legally impermissible. Correction is not sufficient ; deletion is the only appropriate remedy. 

Additionally, the excessive third-party contact associated with this account raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ) and constitutes an abusive practice tied directly to the reporting of this tradeline. 

I am formally demanding : Immediate deletion of this account from all consumer credit reporting agencies Written confirmation that the tradeline has been permanently removed Confirmation that my personal information will no longer be sold, shared, or distributed in connection with this account If deletion is not promptly completed, I request CFPB enforcement review, as continued reporting would constitute willful noncompliance with federal consumer protection laws. 

Thank you for your attention. I expect written confirmation of deletion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: OH

Complaint narrative:
As a small business owner I am appalled a bank can commit theft with your funds. 
I own and operate XXXX XXXX XXXX in XXXX XXXX. On XX/XX/XXXX I sent ach to pay a vendor XXXX a major factoring group representing my vendor. They sent me an email with routing and account number. I sent this payment of XXXX and assumed it was received. A week later I just followed up to make sure they received as I was sending out another XXXX payment which I did on XX/XX/XXXX. They said they didnt receive, I called Chase they insisted they sent it and it was then a back and forth Chase insisting they sent it and XXXX XXXX it wasnt received. I kept calling Chase, reading the numbers to verify and reassured me it was sent to the proper place. In the meantime thinking it was some kind of clerical error on XXXX I sent, using the same numbers the XXXX in XXXX. I knew it had to be some error as they were still researching the XXXX. I went to the branch, I called Chase claims a XXXX times. I finally went in my computer and saw a different set of numbers that were not what I kept repeating to XXXX. They sent those achs to a totally different routing and account number. They said they couldnt do anything as it wasnt reported in 5 days. How could I report it when they insisted it went to the right place. I then went into the branch and wanted an immediate reversal, an error was made and someone received XXXX achs and kept my money! This is theft. Those people whoever they are did not come forward with the fact they received money that did not belong to them thats theft especially twice. Any honest person or business would know that money did not belong to them. Unbelievable thats theft and chase closed the claim because of the fact it wasnt b done within 5 days. It was being researched how would I know this was going on when they kept reading back the correct info to me saying thats where the funds went. I was livid! I then called Chase fraud. But after a few days they said they felt comfortable with their research! This is unbelievable thats my money I want it reversed to the right business. We are struggling. My business account is in the hole and Im getting threatening letters. I refuse to deposit another dime into that account until its XXXX in the hole and thats how Im at this point getting my money back by not paying them the XXXX. This is fraud and theft and its my money. I will enclose my receipts from Chase and my business account number. They stole my money and because of a ridiculous 5 day rule let another company keep my hard earned money. Please help me get my money back XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
The money has been in PayPal ever since XXXX, Ive been waiting and waiting for my money to be released I want my money back now. Please consider this because this is a life and death situation. My family is suffering from this, I need my money out immediately and as soon as possible. My financial situation is crucial and Im almost about to be on the streets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
I lost a necklace that was given to my by my grandmother, the necklace was insured as well. The claim was resolved and XXXX XXXX sent me the funds via direct debit per their procedure. I sent funds to my mother via XXXX XXXX  to send to the jeweler so that he can start working on the new necklace. When I initially attempted to send her the funds, it declined due to the amount, so I had to break it down in payments sending a total of XXXX My XXXX XXXX limit is {$5000.00} daily but the bank stopped the additional attempts. I was to make a payment in total to him for {$7500.00}, I had XXXX deposited to my account from my insurer. My jeweler was to start working on the necklace and I was to have it back within XXXX weeks. So I went into the branch to get the remainder of the funds in a money order for the jeweler since I was no longer able to send them via XXXX XXXX which is how I usually do transactions and was advised there was a hold on my account due to waiting on the funds to clear. Which was odd being that I had only sent funds to my mom. The account at First Horizon is new but it was only used because I wanted to work with a trusted bank, that had a physical customer service bank. As I have did business in XXXX XXXX for large amounts but they were business related only. I have my appraisal, the payment documents from XXXX XXXX as well as my claim documents and the XXXX XXXX screenshot to show my mom is who I sent money to only. Now I am being told I may have to wait up to 30 days for corporate to review a legimate deposit as well as withdrawal. I sent my appraisal, the necklace estimate as well as receipt to show document of a legitimate payment from a claim. I was only trying to get a cashier 's check for the needed funds and that is when I was advised of a hold, now I am being told so many other things. If they don't want my business, that is fine. I will take it elsewhere, but I need the money that is MINE. Please assist me with this asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ray Klein, Inc.
State: IL

Complaint narrative:
PROF CREDITis falsely reporting on my credit. I have never had any accounts with them. Per my research PROF CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have no knowledge of this alleged debt, nor do I recognize the account or the identity of the original creditor referenced. I have never received documentation that would establish my responsibility for this account. 

As this debt is unfamiliar and has not been properly validated, I dispute its accuracy in its entirety. I respectfully request that this account be removed from my credit report, as the reporting of unverified or inaccurate information may be misleading and does not reflect a valid obligation on my part. 

Please ensure that my credit file accurately reflects only information that has been fully verified and substantiated. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Failure to remove inaccurate items reflects a willful lack of proper investigation. Creditors have provided no original contracts or proof of payment, continue harassing correspondence, and unlawfully sell alleged debts to third parties. Despite recent data breaches at all three credit bureaus and clear identity misuse involving my demographics, no corrective action has been taken, causing ongoing personal and financial harm. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This correspondence serves as formal notice that I have filed complaints with both the Federal Trade Commission ( FTC ) and the Attorney Generals Office regarding Caine & Weiners handling of this matter. This is my final complaint. 
Despite Caine & Weiners repeated claim that verification was mailed on XX/XX/year>, I have never received any validation or written notice of this alleged debt. I do not understand why, if lawful validation truly exists, it could not simply be attached to the CFPB complaint for transparency and review. Over 90 days have passed since my original validation request, and I have received no written initial notice, no proof of mailing or delivery, no original creditor documentation, no contract bearing my signature, no complete payment history, no chain of assignment, and no itemized balance calculation. Simply stating that verification was mailed does not satisfy the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. Continued reporting of this account without producing validation constitutes willful noncompliance, not a clerical issue. I have researched this matter extensively and am fully aware that failure to provide proper validation and notice exposes your company to statutory damages, attorneys fees, and legal costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: FL

Complaint narrative:
While using Shepherd Outsourcings online customer service chat system regarding a debt originally owed to XXXX XXXX XXXX XXXX XXXX and currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was shown multiple chat transcripts that do not belong to me. These transcripts included other consumers names, account details, settlement terms, and payment links. I did not initiate or participate in those chats. This indicates improper disclosure of consumer financial information through the companys electronic communications system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: TX

Complaint narrative:
These accounts were opened without my knowledge or approval, and I am not associated with them. I am requesting a review and removal after confirmation. Relevant documents are included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Account Number : Ending in XXXX Dispute Numbers : XXXX and XXXX Timeline of Events : XX/XX/XXXX : XXXX unauthorized debit card transactions of {$100.00} each were posted to my account from merchant " XXXX * XXXX XXXX ''. 

XX/XX/XXXX : I reported these transactions to Ally Bank as unauthorized ( fraud ). 

XX/XX/XXXX : Ally Bank sent two letters closing my claims. The letters stated that because I appeared to have a " relationship '' with the third-party processor ( XXXX ), I was required to resolve the dispute directly with them. 

XX/XX/XXXX : I contacted Ally Bank by phone. I explicitly informed the representative that the denial was based on incorrect information : I do not hold a XXXX account. Therefore, I can not log in to XXXX to " resolve '' this, nor do I have a standing relationship with them as the bank claims. The representative agreed to take a " second look. '' XX/XX/XXXX : Ally Bank contacted me to reiterate their refusal to investigate. They again demanded I contact XXXX first, ignoring my statement that I do not have a XXXX account to dispute through. 

The Violation : Ally Bank is in violation of the Electronic Fund Transfer Act ( Regulation E ). 

Impossibility : The bank is conditioning their investigation on me utilizing a dispute process with a merchant ( XXXX ) for which I have no account.

Burden of Proof : Under Regulation E ( 12 CFR 1005.11 ), a financial institution may not delay its investigation pending receipt of information from a third party, nor can it require the consumer to resolve the issue with the merchant for a claim of unauthorized use ( fraud ).

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I.C. SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: CA

Complaint narrative:
Im attaching a copy of a letter sent to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am a victim of identity theft and am submitting this complaint regarding Affirms improper denial of multiple fraudulent charges. 

On XX/XX/year>, my mobile device and personal identifying information were compromised. An unauthorized third party used my information without my knowledge or consent to initiate transactions through Affirm. 

I did not authorize, approve, or benefit from any of these transactions. Upon discovering the fraud, I promptly reported the unauthorized charges to Affirm and cooperated fully with their investigation. 

Despite clear identity theft circumstances and supporting documentation, Affirm has now denied both of my fraud claims, asserting that the transactions were valid. This determination is incorrect. These charges were not authorized by me and occurred while my identity and device were compromised. 

I have filed a police report regarding this identity theft ( Police Report # XXXX ) and completed a Federal Trade Commission Identity Theft Report through IdentityTheft.gov. Both documents confirm that I am a victim of identity theft. 

Affirms denial of multiple fraudulent charges indicates a failure to properly investigate and resolve unauthorized transactions in accordance with applicable consumer protection requirements. I am concerned that I am being held financially responsible for identity-theft-related transactions that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I deposited a US Treasury Check into my account and it was placed with an extended hold for access of the funds. 
I called the bank and had them confirm that it was a US Treasury check and that the funds should not be subject to hold in a seasoned account especially. I asked for the justification that they were using and what exception they were using documented reasonable cause under Regulation CC ( 12 CFR 229 ). 
that was not provided and they tried to lean on bank policies. I informed them that I was asking for escalation and the manager did not provide reasonable documentation as requested and said the department would not assist.

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