vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
- XXXX XXXX, 2025 : I contact MOHELA with a complaint outlining evidence that supports my claim that MOHELA inappropriately accrued interest during the XXXX administrative forbearance period when interest was set to XXXX XXXX. This is supported by MOHELAs own statements. 

- XXXX XXXX, 2025 : MOHELA dismisses my complaint, stating that the interest is correct. However, no substantive information responding to my complaint is given. 

- XXXX XXXX, 2025 : I file a complaint with the U.S. Department of Educations Feedback Center ( Ombudsman ). 

- XXXX XXXX, 2025 : MOHELA responds stating that the interest on my account is correct. However, no substantive information responding to my complaint is given. 

- XXXX XXXX, 2025 : I submit a XXXX XXXX XXXX  complaint against MOHELA due to this issue. 

- XXXX XXXX, 2025 : MOHELA dismisses the XXXX  complaint in similar fashion. 

- XXXX XXXX, 2025 : I call MOHELA and speak to a representative who tells me that, contrary to MOHELAXXXX previous statements, there are instances where interest inappropriately accrued and in early XXXX 2025 MOHELA issued an internal memo outlining " Letter XXXX '' which details that accounts are undergoing remediation. 

I have still not received such a letter, and my request for a supervisor to call me back has not been responded to.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: FL

Complaint narrative:
This debt was paid in full. I made a payment of {$410.00}, and the debt collector confirmed in writing that the payment was received and that the account would be considered resolved upon clearance. 

Despite the debt being paid, this account continues to be reported negatively on my credit report, including as a collection account. This information is inaccurate and does not reflect the current status of the account. 

I attempted to resolve this directly by making payment, but the negative credit reporting has not been corrected. I am requesting that the company update its records and ensure that accurate information is reported to all credit reporting agencies, reflecting that the debt has been paid and resolved. 

I am also requesting that any inaccurate or misleading credit reporting related to this account be corrected or removed.

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding Chases handling of a XXXX fraud dispute ( Reference # XXXX ). 

On or around 2830 days ago, I sent {$1500.00} via XXXX to a seller who promised delivery of a product. The product was never delivered, and after payment the recipient stopped communicating. 

My dispute was denied on the basis that I authorized the payment. However, authorization was obtained through deception and misrepresentation. This was a scam involving non-delivery of goods. I would not have sent the funds had the seller been truthful. 

I have supporting documentation including proof of payment, communications showing false promises of delivery, stalling, evidence of non-delivery, and information indicating a pattern of scam activity by the recipient. 

After requesting to escalate the situation after Chases Executive Resolution Team I was put on hold for nearly XXXX minutes. After waiting, I was accompanied by the same member. I was told I couldnt be accompanied and that I would be notified by someone of higher status within the next day. I was then interrupted mid sentence and hung up on. 

I am requesting executive-level review and reconsideration, including evaluation for courtesy or goodwill reimbursement under Chases scam victim protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear CFPB Representative, I am writing to formally submit a complaint against Elan Financial regarding inaccurate reporting on my credit history. I enrolled in a hardship plan with Elan Financial ( account number ending XXXX ), intending to meet my financial obligations during this difficult period. Despite this arrangement, I discovered that I was reported as having 30 days late payments for the months of XXXX, XXXX and XX/XX/year>. I promptly contacted Elan Financial to rectify this issue, and they informed me that they could not correct the inaccuracies and advised me to dispute the reported information with the credit bureaus. I followed their instructions and submitted a dispute. However, the creditor continues to report the information as accurate to the credit bureaus, which is unjust and damaging to my credit profile. This situation is incredibly distressing, and I believe it is a clear violation of fair credit reporting standards. I request your assistance in investigating this matter and ensuring that Elan Financial corrects the inaccuracies in 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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of the Hudson Valley, Inc.
State: VA

Complaint narrative:
This company is violating my rights they have not provided validation information under 12 cfr 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Between XX/XX/XXXX, and XX/XX/XXXX, I received XXXX incoming phone calls from a debt collection agency. The calls were placed from multiple different phone numbers, including repeated use of the same numbers, and in some instances multiple calls occurred within the same week or month. 

I did not answer any of these calls, and no voicemail messages were ever left. As a result, the collection agency did not provide meaningful disclosure regarding the purpose of the calls, the alleged debt, or the original creditor. 

Despite my lack of response and the absence of any communication from me, the calls continued over a period of nearly four months and increased in frequency in XX/XX/XXXX, with multiple calls occurring during that month alone. The most recent call occurred on XX/XX/XXXX. 

This repeated pattern of unsolicited phone calls, using rotating phone numbers and without leaving voicemail messages, has caused distress and appears to constitute harassment under the Fair Debt Collection Practices Act ( FDCPA ). 

I am in the process of sending a cease-and-desist letter via certified mail to formally request that the collection agency stop contacting me. I am requesting that the Consumer Financial Protection Bureau review this conduct and take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Ive tried to resolve this issue, its really frustrating and its effecting my life.

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 2026-01-30 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Issue : Credit card billing dispute mishandled/ Goods not received Company : Apple Card ( Goldman Sachs Bank USA ) Complaint : I am filing this complaint regarding Apple Cards handling of a billing dispute for a XXXX XXXX ( {$990.00} ) purchased from the Apple Online Store on XX/XX/XXXX. 

The package was delivered by XXXX on XX/XX/XXXX, without requiring a signature, and was stolen shortly after being left unattended on my porch. I notified the police the same day ( XX/XX/XXXX ) and filed a police report. I also contacted Apple Card via chat and XXXX on XX/XX/XXXX to report the theft. 

I provided extensive evidence, including video footage of the delivery and theft, a FedEx delivery photo, and police documentation. At Apple Cards request, I mailed the video footage on a USB drive to Goldman Sachs. 

Despite this evidence, Apple Card denied my dispute multiple times, stating only that the merchant confirmed delivery, without explaining how my evidence was evaluated. 

The same purchase was split into XXXX disputes : the XXXX XXXX charge ( {$990.00} ) and sales tax ( {$59.00} ). The tax amount was removed ( reversed ) by Apple Card, but the XXXX charge was upheld, even though the same evidence applied to both, and no explanation was provided for this inconsistent outcome. 

I contacted Apple directly through chat and by phone on XX/XX/XXXX, and I was told to resolve the matter with Apple Card. This was especially frustrating because I had already contacted Apple Card on the same day of the theft, believing that this would also notify Apple. This miscommunication worked against me. 

The theft case is handled by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( ( XXXX ) XXXX ). The suspect has been identified as XXXX XXXX, though not apprehended. I also received a subpoena to testify as a witness on XX/XX/XXXX, which was postponed due to the suspects failure to appear. 

I acted promptly, in good faith, and provided all requested evidence. I am being held financially responsible for merchandise I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
On XXXX of 2025, Capital One sent me letters requesting that I submit verification documents, stating that failure to do so by XXXX would result in account closure. 

I complied and sent the requested documents multiple times via fax, which was XXXX of only XXXX submission methods provided ( fax or mail ). I sent the documents between XXXX times, including from a workplace fax to ensure delivery. 

After not hearing back, I called Capital One multiple times. On XXXX call, I was told that everything looked good on their end and that my account should update in a few days. Despite this assurance, my account remained restricted. 

On subsequent calls, I was again told that Capital One had not received my documents. I requested escalation and clarification and was denied both. I re-sent the documents again, yet Capital One continued to claim non-receipt. 

My account was closed anyway, despite my timely and repeated compliance. This closure caused significant damage to my credit. I later requested a review explaining that this was not my fault, but Capital One sent XXXX letters stating the account would remain closed without addressing the document handling failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: NJ

Complaint narrative:
Beginning on XX/XX/year>, I contacted the company to request basic written documentation about my auto loan so I could understand the status of the account and create a sustainable plan to bring it current. I specifically requested : written confirmation that the repossession hold was active and the date through which it would remain in place, a complete itemized breakdown of the pastdue amount, including principal, accrued interest, late fees, returnedpayment fees, and any other charges, and the written results of a management review that the company stated was underway, including any hardship options, extensions, or fee adjustments. 
Over several days ( XX/XX/year> ), the company repeatedly refused to provide these disclosures in writing. Instead, they stated that they were not required to provide anything additional, that they could not provide written confirmation of the repossession hold, and that management review and discussions are internal and not to be distributed. 
At the same time, the company continued to reference a XX/XX/XXXX repossession date and used that date as leverage to pressure me into agreeing to a payment plan or extension without providing the documentation I requested. I made clear that I was not refusing to pay ; I simply needed the written information necessary to evaluate the account accurately and ensure that any payment plan would actually reduce the principal rather than being absorbed entirely by interest. 
Despite multiple requests, the company refused to provide the written disclosures needed to make an informed decision while continuing to threaten repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
They have called me non stop, even outside of business hours. I explained my situation and I'm not going to repeat myself. I told them that I'm struggling financially and I can pay when I'm able to. But they still calling me. Sometimes at XXXX. And they call me at least XXXX or more times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
Debt Validation Request Do Not Report to Credit Bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, multiple unauthorized debit card transactions totaling approximately {$900.00} were made on my checking account. I did not make or authorize these transactions. 

On XX/XX/year>, prior to the unauthorized activity, I deposited cash at a Chase drive-through ATM located at XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX and accessed my debit card through XXXX XXXX to complete the transaction. After this event, I did not make any of the disputed transactions. 

After discovering the unauthorized charges on XX/XX/year>, I immediately contacted Chase Bank, reported the fraud, and had my debit card closed and replaced. 

During Chases investigation, I was told that no additional devices were added to my account, that Chase contacted the merchant ( s ), and that the transactions involved items shipped to my home address with tracking information. 

However, none of this information was provided to me in writing. The documents I received from Chase did not include any merchant contact names or phone numbers, shipment carrier names, tracking numbers, proof of delivery to my address, or transaction authorization data ( such as device ID, IP address, or digital wallet verification logs ). 

Despite my request for the evidence used in their investigation, Chase only provided denial letters stating that the transactions were authorized, without documentation to support those claims. 

Because I continue to dispute that these transactions were authorized and because I was not provided verifiable proof, I filed an online police report with the XXXX XXXX XXXX and received a temporary report number. 

I am submitting this complaint because I believe Chases investigation was incomplete and unsupported by evidence, and I am requesting a proper review, full documentation, and reimbursement for the unauthorized debit card transactions. 

In the additional information section, I am providing screenshots of the disputed transactions for reference. XXXX transaction during this time period was an XXXX XXXX XXXX bill payment, which I recognize as my legitimate monthly bill and is not part of my fraud dispute. All other transactions referenced in this complaint were unauthorized. 



I also filed an online police report with the XXXX XXXX XXXX  regarding these unauthorized transactions. 
The report was successfully submitted, and I received a temporary police report number : XXXX. 
A permanent case number and PDF copy are expected once the report is approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I am filing this complaint regarding unfair and deceptive servicing practices and improper repossession activity by Credit Acceptance that occurred after my prior CFPB complaint was closed. During the investigation of my previous CFPB complaint, Credit Acceptance changed my account balance to N/A, preventing me from seeing a payment amount or obtaining accurate billing information. At no point was I informed that delinquency would continue accruing while the balance was hidden.

During this time, no payment amount was visible and no clear instructions were provided regarding payment obligations. Based on this representation, I reasonably believed my account was on hold or under review pending the outcome of the CFPB investigation. After Credit Acceptance concluded its investigationwithout substantively addressing many of the concerns raised in my original complaintthey retroactively marked my account delinquent by XXXX months. This delinquency was applied after the investigation, despite the fact that I was not provided with accurate or transparent billing information during the review period. Once a balance was finally displayed, I paid the amount due. Despite this, Credit Acceptance then issued a repossession notice stating I was XXXX payment past due, which is confusing, contradictory, and misleading given the circumstances. This conduct constitutes failure to provide clear and accurate billing information, unfair and deceptive servicing practices, improper collection activity during an active dispute, retroactive delinquency reporting without adequate notice, misleading account status representations that caused consumer reliance. 

At no point during the CFPB investigation was I informed that my account would continue to accrue delinquency while the balance was shown as XXXX nor was I warned that repossession activity could follow immediately after payment. I dispute the validity of the delinquency, the accuracy of the credit reporting, and the propriety of the repossession notice. Credit Acceptances actions caused unnecessary distress and financial harm and appear designed to disadvantage the consumer during a regulatory complaint process. I am requesting that all delinquency related to this period be removed and corrected. Any repossession activity be immediately halted and Credit Acceptance provide a clear written explanation for why my balance was hidden while delinquency accrued. Credit Acceptance correct any negative credit reporting related to this matter. I respectfully request that the CFPB keep this complaint open and require Credit Acceptance to fully address these issues with documentation and a substantive response.

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 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Identity theft, billing errors, improper fees, collections harassment I am filing this complaint regarding unresolved fraudulent activity and improper billing on my XXXX XXXX credit card serviced by Comenity Bank. 
On XX/XX/XXXX, my purse was stolen while I was at a local park. My purse contained my passport, Social Security identification, and all credit cards. I immediately contacted all of my credit card issuers to report the theft. All other creditors promptly resolved the fraud, issued credits, and returned my accounts to a XXXX balance. 
Comenity Bank acknowledged the fraudulent charges and credited the unauthorized transactions ; however, they have continued to assess late fees and interest on my account even though I never made or authorized these charges. 
For nearly XXXX months, I have called Comenity Bank repeatedly. Each time I am required to re-explain the situation, as representatives appear unaware of the investigation status. I receive collection calls, yet I am not mailed billing statements or provided clear written updates regarding my dispute. 
I have filed a police report for the theft and identity fraud and am willing to provide it. Despite this, Comenity Bank has failed to permanently remove all fees and interest related to the fraud and has not properly resolved the account. 
I am requesting the following resolution : Immediate removal of all late fees and interest related to fraudulent charges Written confirmation that the balance is {$0.00} Closure of the account with no negative credit reporting Written confirmation that the account is no longer in collections I believe Comenity Bank is not complying with its obligations under the Fair Credit Billing Act and consumer protection laws. I am requesting regulatory assistance to ensure this matter is fully and permanently resolved.

Company response to consumer: Closed with monetary relief