vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am writing to formally appeal the recent decision to rule in favor of the merchant regarding the disputed charges listed above. 

While the banks initial investigation may have indicated the charges were valid, I have received explicit written confirmation from XXXX stating that they do not contest this dispute. On XX/XX/year>, I received an email from XXXX billing department stating that they received notice of the dispute and specifically instructed their systems to allow the bank to rule in my favor. 

Despite the merchant 's willingness to concede the funds, the bank has erroneously ruled in the merchant 's favor, resulting in a " re-billing '' of these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX we purchased a XXXX XXXX from XXXX of XXXX. We gave as a " trade in '' our personal car as part of the purchase agreement. In our way home, the car displayed a message advising of a XXXX XXXX XXXX failure. This part manages the communication, gps, idrive and remote services of the car, basically the car 's brain. We took the unit back to the dealer the following business day and demanded the dealer to repair the issue. Several weeks passed and they called us to pickup the unit. They claimed they replaced several parts due to water or moisture getting inside through the antenna. Upon our arrival to pick up the unit, the car started displaying the same message and the dealer requested to keep the unit for further repairs. Another two weeks passed and we were informed that their technicians could not figure out what the issue was and they needed to contact engineers from XXXX in XXXX to provide additional guidance on the repairs needed. We recently requested a status since our loan due date is approaching XX/XX/XXXX. They stated that the car will need a major repair where all the cables and parts associated with the XXXX will need to be replaced and may take an additional three weeks. We have requested the dealer to rescind our purchase agreement and reverse the loan because they can't guarantee the repairs in a timely manner or the repairs being done will fix the problem or the unit.. When we requested the car record and maintenance records of what work was done to condition the unit for sale, we saw in the documents that the failure came up while they serviced the unit, they did not repaired the fault and still clear the unit to be sold. This was a pre-existing failure. The dealer knew about it and how costly will be the repairs. We have notified the bank about the situation and demanded for them to unwind and cease any collections efforts since the dealer remain in possession of the unit and the contract arises concerns under the Texas Deceptive Trade Practices. We submitted a complaint with the bank and certified letters were also sent to the bank detailing the situation and our request. After several weeks the bank notified us that they contacted the dealer and the dealer responded they are not going to unwind the loan. The bank also closed our complaint saying they can't do anything else if the dealer don't want to reverse loan. Our loan is now due and I am finding myself facing to ruin my credit for life or paying on a loan for a car that is not on my possession.

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 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc.
State: UT

Complaint narrative:
XX/XX/year> I received a letter from XXXX XXXX that an amount of {$2500.00} was sent to a collection agency. That agency is Diversified Adjustment Services Phone XXXX. 
That was ent by XXXX XXXX phone XXXX. 
I called XXXX and they said I had to call Diversified Adjustment Services. I called Diversified Adjustment Service and they said there was nothing I could do but to apply for this complaint. 
I do not owe this dept, I have never had an account with XXXX XXXX. Also Diversified Adjustment Services had me at an address I have not been at for over 30 years. 
They did ask for my currant phne number which I gave them but did not give them my currant address. 
I have also contacted XXXX XXXX XXXX XXXX as well. 
Neither XXXX or Diversified Adjustment Services would speak to me about this fraudulant dept.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to report and dispute repeated credit limit reductions imposed by this financial institution, On XX/XX/XXXX for one of the two business credit cards and XXXX XXXX, XXXX on a diffrect business credit card accounts which have resulted in documented harm to my credit profile. 

This represents the second credit limit reduction applied to my account within a period of less than one year. As a direct result of these actions, my credit utilization ration increased substantially, negatively impacting my credit score for these accounts to show at maximum utilization. 

These reductions are not supported by my account history or credit behavior. I have never made a late payment on either account, have not engaged in fraudulent activity, and have not initiated new credit inquiries that would reasonably justify a new reduction in available credit. 

Following the first credit limit reduction, I filed a complaint with XXXX and was informed that the action was attributed to credit inquiries and/or a lack of assets held with the institution. This explanation does not accurately reflect my relationship with the bank. I maintain long-standing personal accounts with direct deposit, as well as business checking and savings accounts, all of which I have held for several years. 

Despite this established banking relationship and consistent, responsible account management, my credit limit was reduced a second time without a clear, specific, or substantiated justification. The repeated nature of these actions suggests deficiencies in the institutions credit review or risk assessment process and has caused unnecessary harm to my credit standing. 

Desired Resolution : Restoration of my credit limit to its prior amount. 

Written disclosure of the specific criteria and data used to justify each credit limit reduction. 

Confirmation that these actions will not continue to negatively impact my credit profile without valid, risk-based justification. 

I am requesting that this matter be reviewed and addressed promptly. 

Sincerely, 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 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail ' with the receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: EdFinancial Services
State: CA

Complaint narrative:
This student loan concern has been going on for more than a year and a half now. I called EdFinancial many times but we were going in circles. 

Please find attached the latest Financial Summary Activity from EdFinancial. 

In the attachment, please look at the last two entries in the table : For the date XX/XX/XXXX -- the Balance is {$60000.00}. 
For the date XX/XX/XXXX, it shows that I paid {$60000.00}. This payment is actually a little more than the Balance of {$60000.00}. However, now there is a mysterious Interest amount that suddenly showed up : {$1900.00} which consequently did not close all the remaining Balance, but even brought up a remaining Balance of {$1900.00}. 

The interest amount of {$1900.00} that suddently showed up on XX/XX/XXXX is utterly incorrect. There was no way it could suddenly accrue an interest amounting to {$1900.00}. The most interest that can possibly have accrued by XX/XX/XXXX was {$65.00} for the following reasons : - The interest from the beginning of the student loan already capitalized on XX/XX/XXXX. 
- The Covid interest freeze happened on XX/XX/XXXX to XX/XX/XXXX. 
- My student loan was under the SAVE plan starting on XX/XX/XXXX which means it should not have accrued any interest starting from XX/XX/XXXX until XX/XX/XXXX. 
- I made several payments during the Covid Freeze which paid all interest that accrued after the interest capitalization on XX/XX/XXXX until XX/XX/XXXX ( when interest started accruing again ). 
- The interest just started accruing back on XX/XX/XXXX. I made a couple of payments from XX/XX/XXXX to XX/XX/XXXX which could have zapped any interest that started to build, and even if I did not make any payment during XX/XX/XXXX to XX/XX/XXXX, there was still no way an interest of {$1900.00} could have suddently accumulated for the period of XX/XX/XXXX to XX/XX/XXXX. 

Again, there was simply no way an interest amounting to {$1900.00} -- which suddenly showed up on XX/XX/XXXX ( please refer to the table in the attached sheet ) could be correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year> I used an atm to make an {$800.00} deposit, the machine said I could enter up to XXXX bills so I entered XXXX {$20.00} bills. The machine errored out and kept {$300.00} and shot out {$500.00} back to me. The {$300.00} it kept did not go into my account. I immediately called customer service to explain my situation and was misled by them telling me I could receive a provisional credit so I didnt have to wait the 5-10 day investigation out due to this being a deposit for my rent payment ( due the XXXX ). They transferred me to a number that was not in service but I hoped they filed my claim. I then called back to ask for some kind of confirmation, email or anything. They said even an email for that would take 48 hoursits been 72. No email confirmation. I called the physical branch Monday XX/XX/year> for follow up, she told me to wait, I ask if theres camera footage and she told me dont worry about that, we got it still nothing has happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 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: NC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2026-02-03 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I used Affirm to finance a purchase with XXXX for XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. I canceled the order in accordance with the merchant 's policy, and the merchant acknowledged the cancellation/return on XX/XX/year>. 
Despite this acknowledgment, no refund has been issued after approximately three months. My Affirm loan remains unresolved. 
I contacted the merchant multiple times and filed disputes with Affirm. Affirm denied the dispute three times, relying on the merchant 's responses, even though no proof of a completed refund has been provided. 
A three-months delay exceeded any reasonable refund processing timeframe and violates consumer protection expectations. I am requesting that Affirm conduct a proper review and resolve this matter by closing the loan and issuing any applicable refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: SC

Complaint narrative:
I am filing this complaint because MOHELA failed to provide the legally required Notice of Disclosureregarding the early removal of a forbearance on my account, directly resulting in an inaccurate delinquency on my credit report. 

Statement of Facts : Approved Forbearance : My account was placed in a forbearance that was officially approved to end on XX/XX/XXXX. I relied on this official timeline. 

Early Removal Without Notice : MOHELA removed the forbearance months earlier than the approved date without sending an Amended Disclosure or a Notice of Change. 

Failure of Digital Records : As of XX/XX/XXXX, my MOHELA digital inbox is empty. There is no record of any notice being generated or sent regarding this status change. 
Inadequate Defense : When I contacted MOHELA, they claimed that receiving a billing statement was sufficient notice. However, under the Fair Credit Reporting Act ( FCRA ) and Department of Education servicing standards, a billing statement is not a substitute for a formal Notice of Disclosure when loan terms or status change. 

Direct Harm : Because I was never notified of the change in terms, I was unaware of the due date, leading to a late payment status and negative credit reporting. 
Requested Resolution : Additionally, my in-school deferment was approved on XX/XX/XXXX and my classes did not even end until XX/XX/XXXX. However, on the statement mohela began my billing period while I was still enrolled, which is a violation of ferderal deferment rules. 

I request that the CFPB compel MOHELA to : Apply a retroactive Administrative Forbearance to cover the period of the delinquency to reflect the lack of notice. 
Delete all negative credit reporting associated with this specific period. 
Provide proof of why a formal Notice of Disclosure was not generated in my account portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hunt & Henriques
State: CA

Complaint narrative:
I opened an inquire with the CFPB with inquire # XXXX on XX/XX/year> addressed to XXXX XXXXXXXX and Hunt & Henriques XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today I got an email from the CFPB with XXXX XXXX 's response to my inquire however Hunt & Henriques didn't made any response in regards my inquire. 
As XXXX XXXX  closing letter asking me to contact Hunt & Henriques, I want to make sure as they are aware and They should make a response based on the attached letter I made on XX/XX/year>. ATTACHED HEREIN

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I am filing a complaint regarding my banks failure to properly investigate and resolve fraudulent, unauthorized charges paid to XXXX. 

I recently discovered a pattern of unauthorized charges on my account dating back to approximately XX/XX/year>. These charges were not authorized, requested, or benefited from by me. Upon discovery, I promptly notified my bank and disputed the transactions as fraud. 

Despite this, my bank improperly treated the matter as a merchant billing dispute rather than fraud, and either denied the dispute or failed to conduct a reasonable investigation. In some cases, I was told the charges were too old, even though this was an ongoing pattern of unauthorized recurring charges that I discovered recently. 

I have since : Notified the merchant ( XXXX ) in writing and submitted a formal Notice of Dispute Filed a complaint with the FCC regarding the unauthorized charges Requested that my bank reopen or properly classify the dispute as fraud My bank has failed to provide sufficient documentation showing that a proper fraud investigation occurred, including evidence of authorization, service usage, or compliance with applicable consumer protection regulations. 

I am requesting that the CFPB require my bank to : 1. Reopen and properly investigate the disputed transactions as fraud 2. Provide provisional and/or permanent credit for unauthorized charges as required by law 3. Supply written documentation of the investigation and decision 4. Correct any errors related to the handling or classification of this dispute I am submitting this complaint in good faith to seek enforcement of my consumer protection rights and resolution of unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The debt is not mine. Please cease and desist all communications to me telephonically, electronically and mail. Remove all negative items from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My business account for XXXX XXXX XXXX XXXX with Truist was clearly compromised due to identity theft around 2020. Fraudulent activity occurred on the account ; however, no funds were released or withdrawn, and the issue was identified before any monetary loss took place. 

Despite this, Truist closed or restricted the account and has failed to properly investigate, resolve, or restore the account. Over the past XXXX years, I have contacted Truist multiple times in writing requesting clarification, documentation, and the reopening of my business account. I have not received any meaningful response or resolution. 

Truists continued failure to respond or take corrective action has caused ongoing harm to my business, including loss of banking access, disruption of operations, and reputational and financial impact. The lack of communication and resolution is unreasonable given the length of time that has passed and the fact that no funds were ever released due to the fraudulent activity. 

I am requesting that Truist fully investigate the identity theft, provide written findings, and take appropriate corrective action, including restoring my ability to maintain a business banking relationship.

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 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
My name is XXXX XXXX ( XXXX : XX/XX/XXXX ). I am writing as I have written XXXX several times and sent in numerous messages to formally request a review of my account for XXXX XXXX XXXX XXXX ( PSLF ) reconsideration and discharge. I am requesting discharge of the loan as I reached my XXXX payments in XX/XX/XXXX and the current count is incorrect. 

When I call Fedloans, they advised there is no timeline for when they have to review my reconsideration request. It has not been 9 months and I can not remain at the job. I have called various times and receive different feedback stating I must be employed with the government at the time I request the loan to be XXXX. I need for the discharge to be honored as it is violating my rights. 

Pursuant to 20 U.S.C. 1087e ( m ), I am advising that I have completed XXXX qualifying monthly payments as of XX/XX/XXXX and am requesting an official discharge of my eligible Federal Direct Loans under the XXXX program. 

The payment count is inaccurate and I will be retaining an attorney if I am held at an employer. 

I have disputed this with the OMBUDSMAN and was advised that a " complaint XXXX '' has been assigned the case. 

Please advise this has been 9 months past the date the loan is to be legally forgiven. I have been employed with the XXXX of New Jersey from XXXX - present. I am well beyond the time frame and am concerned I can not leave or I will not obtain loan forgiveness. 

I have no other recourse but to pay an attorney. The fact that you can be held XXXX at a job and told various incorrect information by Fedloans stating I must stay at the job until the loan is XXXX. Other companies advise this is inaccurate. This has been the worse experience of my life. XXXX months of being held beyond by consent to " wait for forgiveness '' the date of forgiveness changes and now months are being added. 

This process and the customer service/response at XXXX is XXXX disgrace as they do not know what they are saying/doing. They initially stated it was a glitch in system then said that I had to submit a reconsideration request. They advised there is no timeline for the reconsideration request. So I have been at a job for XXXX months and have other opportunities and a move that needs to occur. 

This is the biggest sham and I very much will never rely on any level of government loan assistance in the future because of how poorly this has been handled. 

I am asking for desperate help as they are in violation of 20 U.S.C. 1087e ( m ). My XXXX month was XX/XX/XXXX and I have been held waiting for this " forgiveness '' without any feedback or response. 

I have submitted various inquiries, reconsideration requests, and contact since XXXX ( without any help from XXXX ). I previously paid a company and they advised that this should have been completed in XX/XX/XXXX.

Company response to consumer: Untimely response