vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year> - We withdrew {$24000.00} from our business line of credit for a real estate purchase. We ended up not needing the money, so we re-deposited it later that afternoon. ( We had the money in our possession for approximately 4 hrs ) XX/XX/year> - We logged into our online banking for other transactional purposes and noticed that they had charged us a {$730.00} cash advance fee. We were not aware that there would be a charge of this nature. If we had been, we would never have made the withdrawl. 

After discovering this charge, we called Wells Fargo to dispute the charge. They referred us to other individuals several times, and the issue was not resolved in our favor. They informed us there was nothing they could do to reverse the charge. We have paid it at this point to avoid a negative mark on our credit rating, but we are very upset with the lack of transperancy regarding fees/charges.

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 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I am submitting this complaint regarding a late payment reported by Comenity Bank on my XXXX XXXX XXXX account ( ending in XXXX ). 

I am not disputing the factual accuracy of the reporting. I am requesting that Comenity Bank consider a goodwill adjustment based on mitigating circumstances and my overall positive relationship with the bank. 

The late payment occurred during a short-term period of hardship that included domestic violencerelated safety concerns. During this time, my access to phone calls and mail was restricted for personal safety reasons, which temporarily disrupted account communications. Once I was able to safely regain access, I promptly brought the account current, and the associated late fees were waived. 

I have multiple Comenity accounts that are otherwise in good standing, and this late payment was an isolated incident that does not reflect my typical payment history. I mailed a written goodwill request via tracked mail to the Credit Bureau Disputes address provided by a Comenity supervisor, but I received a form denial that did not reflect individualized consideration of these circumstances. 

I am requesting that Comenity Bank conduct a manual review and consider a one-time goodwill courtesy to remove the late payment in light of these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unfair credit reporting by my student loan servicer. 

My student loans were reported as 30-, 60-, and 90-day delinquent during a period in which I was experiencing temporary financial hardship due to unemployment. I proactively contacted my loan servicer and was subsequently approved for a short-term unemployment forbearance that is currently active through XXXX. My account now reflects that there is no payment due. 

Despite the forbearance approval covering the period in question, the servicer has continued to report the account as delinquent to the credit bureaus. These derogatory marks do not accurately reflect my accounts current status and fail to consider the approved relief that applies to the same timeframe. 

I have requested a goodwill adjustment from the servicer to remove the reported late payments, but the negative credit reporting remains. These reports are significantly impacting my credit score and are directly harming my ability to secure employment and stabilize my financial situation. 

I am requesting that the CFPB review this matter and assist in ensuring that my credit report accurately reflects my account status, including removal of the 30-, 60-, and 90-day delinquency reports associated with the period now covered by an approved unemployment forbearance. 

Contacted company directly and was told there was no resolution : XXXX Nelnet Account Manager Ref # : Wednesday XX/XX/year> XXXX pacific Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX Nelnet Student Loans Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: CO

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a credit card dispute. 

I returned merchandise to a merchant XXXX who accepted the return, confirmed receipt, and explicitly promised a full refund. The merchant failed to issue the refund and ceased communication. I provided Capital One with proof of return delivery, merchant acknowledgment, and written confirmation of the promised refund. 

Capital One declined to reconsider the dispute, citing the 60-day billing error timeframe tied to the original transaction date, despite the fact that the refund obligation arose after the return was accepted. I am not disputing the original charge ; I am disputing the merchants failure to issue a promised refund. 

I am requesting that Capital One review this matter for compliance with fair dispute handling practices and cardholder protections, and explain why a refund-not-issued dispute was not reconsidered despite documented evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
There is an account from LVNV Funding original creditor of XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/2020 and a balance of {$560.00} that I did not open and do not know who did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
My federal student loans serviced by MOHELA entered repayment after I left school. I was unaware that a past-due balance had accrued. As soon as I became aware of the delinquency, I logged into my account and paid the amount due in full, bringing the loans current. 

Shortly after, my credit score dropped significantly. I contacted MOHELA multiple times by phone to address the issue, but each time I was transferred to an advanced agent and left on hold without assistance. I also submitted a secure message through my online account requesting clarification of the credit reporting and review or correction of the late payment reporting. 

MOHELA responded in writing confirming that my loans are now current and in good standing and that the account was reported as current as of XX/XX/year>. However, the prior delinquency reporting remains on my credit report and continues to negatively affect my credit, despite the issue being promptly resolved once I became aware. 

I am requesting a review for correction or appropriate adjustment of the credit reporting based on the unintentional nature of the delinquency, the immediate payment made upon discovery, and the difficulty obtaining assistance through normal customer service channels.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding TD Auto Finance and their failure to provide the required title documentation for my vehicle after relocating from XXXX to XXXX 

My family recently moved from XXXXXXXX XXXX to XXXX XXXXXXXX XXXX. In order to register our vehicle in XXXX, the Missouri Department XXXX XXXX requires a completed lienholder form and a copy of the vehicle title. We followed every instruction provided by TD Auto Finance precisely and submitted all required materials. Despite this, we have not received the necessary documentation. 

We have contacted TD Auto Finance repeatedly by phone and email. Each time, we receive conflicting information, no clear timeline, and no resolution. Because our Arizona registration has now been canceled, we have lost the legal ability to operate our primary vehicle. 

This situation has created a serious hardship for our family. My wife has a XXXX XXXX and requires reliable transportation for medical needs. Without access to our vehicle, we are placed in a dangerous and unacceptable situation. 

I am requesting that the Arizona XXXX investigate this matter and assist in compelling TD Auto Finance to release the required title documentation immediately. Their failure to act is preventing us from complying with state law and jeopardizing our familys safety. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
An ACH payment was issued by one of our current clients that must have been set up wrong. They. have verified it and we have tried about 10 times on the phone with chase to get answers and resolve this issue. They have held {$28000.00} for over 35 days now without a clear path forward. The bank this was sent from says the right phone number was provided however chase has said this is wrong. So now we are grid locked and Chase will not provide adequate steps forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am beyond fed up that this XXXX XXXX XXXX account ( Original Creditor : XXXXXXXX XXXX  ), Account No : XXXXXXXX XXXX XXXX XXXX XXXX is STILL on my Equifax credit report. Ive already disputed it and sent in everything you asked for, so WHY is it still here? This is absolutely ridiculous! I NEVER authorized this account to be reported, and there is XXXX reason for it to still be on my file. Youre violating 15 USC 1681b ( 2 ) by continuing to report this without a legitimate reason. Youve totally failed at following 15 USC 1681e ( b ), which requires you to make sure my info is accurate. This is NOT a mistake anymore this is sheer laziness and incompetence on your part. I dont care what excuse you come up with this collection account needs to be permanently deleted from my file, NOW! You havent provided me with ANY proof that youve properly verified it, so why is it still showing up? Keeping it here is only damaging my credit and causing me more stress. I dont need to keep fighting with you over the same account. At this point, this is no longer just an oversight. This is continued noncompliance. 15 USC 1681i ( a ) is clear, and you're still violating it. You are opening yourselves up to 15 USC 1681n and 1681o penalties for this garbage. I want this collection account gone for good. DELETE IT. And I expect this resolved NOW. This shouldve been taken care of the first time I disputed it. Do not make me keep chasing after you for something so simple.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirms automated system repeatedly failed to apply my approved payment plans to two XXXX XXXX XXXX charges totaling {$210.00} on January 9-14, 2026, despite multiple approvals and active plans ( including a pending {$600.00} plan that should have covered or integrated with this ). Instead, the transactions were processed as pay in full, triggering an immediate attempted bank withdrawal, NSF fees, account suspension, and locked access to my Affirm card all right at check-in time, causing significant inconvenience, stress, and financial harm. After being transferred multiple times across agents ( including back to the same unhelpful representative, XXXX XXXX, proving the broken escalation loop ), support refused any manual intervention, repeatedly blaming the system and offering only empty apologies without resolution. This is not isolated ; numerous similar complaints on XXXX ( XXXX ) and XXXX describe Affirms notorious issues with hotel bookings ( especially XXXX ), where plans vanish, charges bypass installments, virtual cards expire before final charges, and disputes are ignored turning buy now, pay later into a deceptive trap. I demand Affirm immediately : ( 1 ) reverse the erroneous {$210.00} charge and any associated fees, ( 2 ) reinstate my account without penalty, ( 3 ) apply the intended payment plan retroactively or cancel the forced full payment, and ( 4 ) provide written confirmation of these fixes to prevent further damage. Continued refusal to correct their own processing error is unacceptable and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am submitting this complaint as a second escalation regarding PHH Mortgage Services failure to correct escrow calculation errors tied to my mortgage loan. 

I am a 100 % Permanently Disabled Veteran, and the Maryland State Department of Assessments and Taxation approved a 100 % property tax exemption effective XX/XX/year>. Despite receiving notice of this exemption, PHH failed to timely recalculate my escrow account to remove property taxes, resulting in inflated monthly payment projections. 

On XX/XX/year>, PHH issued a Notice of Default based on these inflated escrow amounts.

I disputed the default in writing. However, PHH issued a conclusory no error response dated XX/XX/year>, before receiving a formal RESPA Notice of Error and without conducting the investigation required by Regulation X. 

I have now submitted a formal Supplemental RESPA Notice of Error under 12 CFR 1024.35 to PHHs designated address. PHHs prior response does not satisfy RESPAs investigative requirements because it predates the Notice of Error and fails to provide escrow itemization, methodology, or documentary support.

PHH continues to demand a reinstatement amount that includes disputed escrow charges and has refused to rescind the Notice of Default pending correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
They are trying to collect a Deb that belongs to another company wicht I have an open account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I started a new service with XXXX and cancelled service with Spectrum both online and by phone. The service represenative said " service has been cancelled ''. 
I get a bill the next month so I call and again confirm service was cancelled. 
Again, I get another bill the next month. 
There was no modem connection, no usage. as the new service installed new equipment. My payment history is clean. No problems with payments. Paid on time. This is an attempt to draw money from my account by force. Taking advantage of consumers. It is well known they lost most of their customers at this time when new fiber optics were put in the neighborhood. This appears to be management trying to pay their bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
We been going back and forth with 21st mortgage cause we got behind on our payments. We been going to court. So on XX/XX/XXXX we paid it off {$36000.00}. They won't release the title to us and still have our money as well. We went to court XX/XX/XXXX we get there and they tell us that our court hearing had been cancelled supposedly by the lawyers that 21st mortgage is using and didn't tell us anything and said they will reschedule. After we paid the house off they send a statement to us saying we owe {$1400.00} for the principal, interest, escrow ( for taxes, insurance ) and a regular payment, how we just paid it off and that was the total from 21st mortgage now we understand the legal fees that's fine but they said they won't release the title cause we don't have insurance but the insurance is included in the house note and said before we paid it off when we get our balance back to negative they will reinstate the insurance but turn around and charging for it and keeping our title. So now they are prolonging it trying to add more fees to it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am the legal successor in interest for a mortgage on my late father 's home. My father passed away in XX/XX/XXXX, and I am the only legal heir. I have been trying to make timely mortgage payments on the loan, but Fifth Third Bank has refused to allow me to access the online payment system. I have called the mortgage servicing department multiple times over the past few days and have been sent to voicemail every time, with no return calls. 

Despite my attempts to pay, the bank has not provided a reliable method for making payments, including online or through customer service. I want a clear and workable method to make timely payments and avoid unnecessary fees, as this has not been the first time making a payment has been an issue. 

Recent attempts to reach Fifth Third Bank 's mortgage servicing department at the phone number I was given by a member of their bank staff, XXXX, include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This has been an ongoing issue, even when calling and scheduling payments ahead of time. In the fall of XXXX, I scheduled payments for XXXX, XXXX, and XXXX. My escrow payment increased during that time, and my scheduled payments were considered partial, and not applied to my account, causing me to incur late fees on payments I made in good faith. Had I been given access to the online payment system, this would have been a non-issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
SECURITYCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITYCRED 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