vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Dave Operating, LLC
State: NE

Complaint narrative:
On XX/XX/XXXX I received a direct deposit on my dave account from social security associated with account ending in XXXX. While I was on the app I got logged out forcibly. I tried logging back in and I received a message saying there was a hold put on my account. My water bill was due that on XXXX and was unable to pay it cuz of the hold so my water got turned off. Friday while my kids were in school I was contacted by local XXXX regarding the water being turned off. XXXX determined in the best interest of my kids they be XXXX. I've been trying to get in contact with Dave to let them know I need the hold be removed so I can pay my water bill and get my kids back. Ive sent numerous emails explaining to them my situation but dave has failed to remove the hold. All I'm trying to do is access my account pay my water get my kids back. Dave does not care about the situation the hold on my account put me in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I am submitting a complaint regarding my federal student loan servicers failure to process my XXXX XXXX XXXX XXXX ( XXXX ) despite my eligibility. I reached XXXX qualifying XX/XX/XXXX payments in XX/XX/year>. Prior to receiving forgiveness, I was automatically placed into the SAVE repayment plan without my consent and then placed into administrative forbearance due to ongoing legal challenges. This forbearance has prevented or delayed the processing of my XXXX discharge, even though I became eligible before the forbearance began. I have : - SubmittedXX/XX/XXXXemployment certification- Applied for forgiveness - Submitted a buyback request My servicer has not provided a clear timeline, resolution, or confirmation of my eligibility status. This constitutes a failure to properly process a federal loan forgiveness benefit for which I qualify. I am requesting : - Immediate manual review of my XXXX eligibility- Processing of my loan discharge without further delay- Clear written communication regarding my account status This situation is the result of administrative actions outside my control and should not prevent or delay my legally earned forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 2:16 debt Search 212 5. Surety bond information ( if required by law in your jurisdiction ). A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am the personal guarantor of a Chase XXXX XXXX Credit Card ( Account No. XXXX ) issued to my company XXXX XXXX XXXX. On XX/XX/XXXX, I made a payment of {$250.00} at JPMorgan Chase XXXX XXXX ( XXXX and XXXX, Colorado ), Transaction # XXXX, XXXX XXXX. On XX/XX/XXXX, I made a payment of {$540.00} at JPMorgan Chase XXXX XXXX ( XXXX XXXX, Colorado ), Transaction # XXXX, teller XXXX. Both Chase-generated receipts explicitly classify these transactions as XXXX. XXXX paid : {$790.00}. Despite these payments, Chase continues reporting a balance of {$3200.00} the pre-payment balance to all three credit bureaus. The reported balance also exceeds my {$3000.00} credit limit. My last payment date is incorrectly shown as XX/XX/XXXX. I submitted formal disputes in XX/XX/XXXX and XX/XX/XXXX. My dispute letters were received by XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. Despite active disputes being on file, Chase re-reported the same inaccurate {$3200.00} balance on XX/XX/XXXX XXXX days after my disputes were confirmed received without reflecting my payments or conducting a reasonable investigation as required by FCRA XXXX ( b ). This is a business credit card issued to XXXX XXXX XXXX being reported as individual consumer debt on my personal credit file. Chase also closed both my personal and business checking accounts, cutting off my access to the transaction records that would further document these payments. Chase is simultaneously the sole custodian of those records and the party reporting the inaccuracy. I am demanding : ( XXXX ) correction of the balance to reflect my {$790.00} in payments, ( XXXX ) correction of the last payment date, ( XXXX ) correction of the account classification from individual to business, and ( XXXX ) deletion of this tradeline from my personal consumer credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
A dispute was opened XX/XX/year> after XXXX XX/XX/year> at XXXX PM I answered allcthese questions when I submitted the dispute. It was a XXXX XXXX XXXX hour intervention. I paid XXXX dollars to attend the program and I had a medical emergency on Saturday and was asked to leave the program by staff. at that point I was told I could receive a partial refund since I had a emergency and did not plan on rescheduling for the program due to the experience. They told they'd follow up with me on Monday when I left with ambulance and denied contact once I arrived at the hospital for days. I was scammed, they do not have a no refund policy for medical emergency, and I also should not pay full price for a service I didn't receive. I have already filed a complaint with the better business bureau and the Ohio Attorney General. I tried to contact them numerous times. I am requesting a partial refund for the amount of XXXX. I submited proof of my hospital visit after XXXX was escorted out by staff and XXXX and proof of enrollment in the program. My complaint document. The documentation that proves my enrollment in the program, etc. Thats all I have. I need my money back this is unfair. Im only asking for partial not even the full. I filed a dispute appeal with the bank twice and was denied it shows no details of why or that the merchant was contacted. When I provided alot of evidence. they have no policy that supports that, it states the merchant must be contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc.
State: MN

Complaint narrative:
I filed a dispute about unauthorized transactions for the following list below. XXXX came back telling me that Our investigation team reviewed your claim and concluded no error occurred I did not authorize these charges. Date Description Disputed Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LendingUSA
State: NY

Complaint narrative:
On XX/XX/XXXX, I completed a loan modification agreement to settle my account and consented to billing plan for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for monthly payments of {$520.00} for a total settlement payment of $ XXXX XX/XX/XXXX, I received confirmation from the XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is in settlement. On XX/XX/XXXX I was billed twice for {$520.00} and I was told that I could not receive a refund and I worked with an agent with the first name XXXX for over a month to see if the duplicated payment can be put towards the settlement payment for XX/XX/XXXX, which was ultimately approved. On XX/XX/XXXX I made my final payment of {$520.00}. When in early XXXX to confirm my settlement, XXXX was unable to confirm my settlement stating, ( XXXX ) the appropriate team did not receive the loan modification agreement of settlement until early XX/XX/XXXX, but I had already received a settlement confirmation email on XX/XX/XXXX and I was billed twice in late XX/XX/XXXX. I submitted multiple settlement confirmation tickets and spoke to over XXXX different supervisors, ( XXXX, XXXX, XXXX, etc. ) in order to confirm my settlement. I was even told that there was an additional installment that was set up for XX/XX/XXXX for an amount of {$520.00} which was cancelled after further review of a supervisor. I have made calls weekly to the XXXX XXXX XXXX XXXX XXXX for the entirely of the month of XXXX and today, XX/XX/XXXX, I was told that there were a failed recording of settlement because the account hit maturity on XX/XX/XXXX and there was no response regarding the confirmation of settlement. I am beyond frustrated and have not been able to get a response and just have gotten the run around regarding this issue. The payment shown on my chase checking account is as follows : XX/XX/XXXX XXXX XXXX XXXX {$520.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$520.00} XXXX total of {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I'm a college student who's experience significant financial hardship over the past XXXX years due to the loss of both of my parents. As a result, I've incurred emergency expenses related to being displaced from my home after the house had to be sold. I lost XXXX of my jobs due to the store being closed, which left me with unstable income. I have not used my Apple Card during that period, and have been actively paying down the balance using my personal savings. My current balance is {$2500.00}, which is slightly over my {$3500.00} credit limit due to accumulated interest, not new purchases. On XX/XX/2026, I contacted Apple Card support via text chat and was told there was nothing they could do. I then called Apple Card by phone on XX/XX/2026 and again was not offered any hardship accommodations. I have been a customer in good standing and have made every effort to resolve this directly with the company across multiple channels in a single day without success. I am requesting that Apple Card and Goldman Sachs conduct a formal review of my account and offer appropriate hardship accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
Complaint Against : Radius Global Solutions LLC Regarding Account/Reference # : XXXX Original Creditor : XXXX XXXX XXXX XXXX Consumer Complaint : I am filing this complaint against Radius Global Solutions LLC for attempting to collect an unverified and disputed debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On or about XX/XX/year>, Radius Global Solutions sent me a collection notice alleging that I owe a debt of {$7100.00} to XXXX XXXX XXXX XXXX I formally dispute this debt in its entirety. Radius Global Solutions has failed to provide any competent evidence that I am legally obligated to pay this alleged debt. They have not produced a signed agreement, complete account history, or proof of lawful assignment. Despite this, they are attempting to collect and may be furnishing information to consumer reporting agencies without proper verification. This conduct constitutes violations including, but not limited to : - XXXX XXXX. XXXX Failure to provide proper validation of debt - XXXX XXXX. XXXX False, deceptive, or misleading representation of a debt - XXXX XXXX. XXXX Furnishing inaccurate or unverified information to credit reporting agencies I am demanding the following : XXXX. Immediate validation of the alleged debt with competent evidence XXXX. Proof of my legal obligation to pay, including a signed contract XXXX. Full itemized accounting of the balance XXXX. Proof of assignment or authority to collect If Radius Global Solutions can not provide this documentation, they must : - Cease all collection activity immediately - Delete any reporting associated with this account from all consumer reporting agencies- Provide written confirmation of deletion Additionally, I request that the CFPB investigate this companys practices, as they appear to be attempting to collect without proper validation and in potential violation of federal law. I expect a full and complete response resolving this matter. Desired Resolution : - Full validation of the debt OR immediate deletion and cessation of collection - Confirmation that no inaccurate information is being reported - Written proof of compliance with federal law Sincerely, 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 non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and found a collection account from Southwest Credit Systems XXXX for {$1000.00}, allegedly opened on XX/XX/XXXX. I have no knowledge of this debt, have never received an original invoice or contract, and do not recognize the " XXXX XXXX '' listed. I have disputed this multiple times through the credit bureaus, but the disputes were denied without the agency providing physical proof of the debt. Furthermore, the reporting is factually inaccurate under the FCRA ; the " Original Creditor '' is listed as " Southwest Credit Systems XXXX, '' which is a debt collection agency, not the original service provider. The account type is also left blank. Because the agency is reporting inaccurate information and has failed to validate the debt despite multiple requests, this trade line is in violation of federal reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bonneville Billing and Collections
State: TX

Complaint narrative:
Issue : Incorrect information on credit report / Attempts to collect debt not owed Company : Bonneville Collections Complaint : I am filing a complaint regarding inaccurate credit reporting and improper collection activity by Bonneville Collections. This account was paid in full directly to the original creditor, XXXX XXXX XXXX, on XX/XX/year>. I have confirmation of payment from both XXXX XXXX XXXX and the payment processor. Despite the debt being satisfied, Bonneville Collections continues to report this account and is attempting to collect additional fees that were not part of the original debt and were never agreed to. I contacted Bonneville Collections and provided the payment confirmation number. They acknowledged receipt but stated that the account would not be closed unless I paid additional collection fees. These fees were not disclosed in any agreement with the original creditor and appear to be separate from the original obligation. Bonneville Collections has not provided documentation showing : Their legal authority to collect additional fees Any agreement authorizing these charges Their right to continue reporting this account after the debt was paid I am requesting that this account be deleted from all credit reporting agencies immediately, as the underlying debt has been satisfied. This continued reporting is inaccurate and misleading under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> I should have received a refund for {$1000.00} from the merchant ( XXXX ) to XXXX XXXX. The merchant has provided me proof of releasing the funds to XXXX XXXX However, XXXX has not posted it to my account. I have called them several times and provided the proof given to me by the merchant. They are linking some other transactions ( {$720.00} and {$310.00} ) to equal the dollar amount to match {$1000.00} when clearly it is not for the correct items. The XXXX items that the refund is missing for is ( {$520.00} and {$500.00} ). The proof from the merchant shows the same ( {$520.00} and {$500.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
I recently spoke with a debt collector, MIDLAND CREDIT MANAGEMENT XXXX XXXX, who refused to provide any information about the alleged debt. This debt can not possibly be valid because I have never had any account with the original creditor. My credit history is clean, and I have never had any unpaid debt. Despite my efforts to provide documentation proving that this debt is not mine, they have refused to acknowledge any of the evidence I submitted. I have spent considerable time attempting to resolve this matter, but all my efforts have been ignored. I believe this behavior is unfair, misleading, and may violate my rights under the Fair Debt Collection Practices Act. The only way they said they could help me was if I provided my home address, which I believe is inappropriate and abusive, especially since I am the XXXX contacting them to resolve the issue. I have already sent all required documentation to dispute or verify this debt, but despite that, they have continued their actions and have even proceeded to file a lawsuit against me. I feel this behavior is unfair, misleading, and possibly a violation of my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding ongoing delays by my mortgage servicer, Western Alliance Bank, in processing a request to transfer my property into a trust. On XX/XX/XXXX, I provided all requested documentation, including the trust documents, to complete this transfer. Since that time, I have made multiple follow-up calls to check on the status. Each time, I have been told that the request is still being processed by a backend department responsible for preparing the required documentation. Despite these follow-ups, the expected completion timeline has been repeatedly pushed back without a clear explanation. I spoke with a supervisor last week, who indicated that the request would be expedited. However, after following up again on XX/XX/XXXX, I was informed that the timeline has once again been delayed. At this point, it has been several weeks since submission of complete documentation, and the process has not progressed in a meaningful way. I have not been provided with a firm completion date or a clear reason for the continued delays. This request involves a non-sale transfer of the property into a trust, and I have provided all required materials. I am requesting that Western Alliance Bank complete the trust transfer promptly and provide clear written confirmation regarding the status of my request. I am also seeking accountability for the repeated delays and lack of timely communication.

Company response to consumer: Closed with non-monetary relief