vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Apple Card declined payment because it was over the spend limit. After I paid off the necessary amount on the card to reattempt payment it locked and restricted my card even after calling support and my card is now restricted for 5-7 days when I need it to make purchases for my military move and settling into new place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I had an active XXXX XXXX injury, I obtained pre approval for an er visit due to an XXXXXXXX XXXX XXXXXXXX. The hospital was informed on arrival it was a XXXX XXXX billed service, and was provided with the claim number and contact info. They instead billed me, refused to send a bill to XXXX XXXX, and when I asked for a bill to send my lawer they refused to talk to me. XXXX XXXX and my lawer both tried to contact them for a bill to resolve issue, and they refused to talk to anyone. I have emails from both XXXX XXXX and lawer confirming this. I have not recieved a bill in 2 years and thought it was resolved, as it was previously removed from my report, but now theyve readded it. This bill is the responsibility of XXXX XXXX. 
XXXX XXXX XXXX Wed, XX/XX/year>, XXXX to me, XXXX XXXX XXXX XXXX Please call this collector and provide them with your claim information so they can send us their bill on a proper insurance billing form.

I called and they wont speak to me.

Your claim # is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Injury : XX/XX/year> Our FAX for bills 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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX this complaint is for Card Claim Dispute Proposal letter Document I cant open it up or access it it say this It has not been possible to open the document selected. Please review your criteria and try again and my account username is XXXX and my account number for my checking account is XXXX and the date it was sent was XX/XX/year> I cant access it online on portal site or the mobile app so please fix it for me so I can access it by mobile app or site portal or both if it cant be fixed for site portal or mobile app please upload the letter to my XXXX complaint business response and I also need a update from my dispute claim number for XXXX for {$130.00} if the credits are permanent credits or or final credits or the investigation is still going on for all 3 disputes and when will they all 3 final and permanent and give me the credit final decision letter for all 3 disputes for it saying if all 3 credits are final permanent or not etc?

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
I am submitting this complaint because a credit card account was opened fraudulently in my name without my knowledge or consent which easy retain my information due to my XXXXXXXX XXXX XXXX XXXX XXXX I did not apply for this credit card, first time which got approved at that time.nor did I authorize anyone to use my personal information to open this account. 

I believe my personal information was stolen and misused to apply for this credit card. I did not receive the card, did not make any charges, and did not benefit from this account in any way. 

I have contacted the credit card company to report the fraud, but the issue has not been properly resolved. I am requesting that this fraudulent account be closed immediately, all charges be removed, and any negative information related to this account be deleted from my credit reports. 

I am also requesting written confirmation that I am not financially responsible for this account and that the matter has been resolved as identity theft. 

This situation has caused me financial harm and emotional stress, and I am asking for prompt investigation and correction under applicable federal consumer protection and identity theft laws. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am disputing an unauthorized/erroneous charge of {$200.00} to XXXX XXXX XXXX I attempted to move into the facility but found it to be a dangerous, unsanitary, and a crime-ridden environment ( evidence of vagrants and illicit activity ). I never moved in and never received the service. 

Actions Taken & Company Failure : I initially submitted this dispute twice through the XXXX  app. Both times, it was denied for vague " administrative reasons '' without a substantive investigation into the merchant 's failure to provide a safe service. 

On XX/XX/2025, I escalated the matter by mailing a formal dispute via Certified Mail to XXXX sponsor bank, The XXXX XXXX, in XXXX, XXXX. 

According to XXXX Tracking ( ID : XXXX ), this letter was delivered on XX/XX/2025. 

The Legal Violation : Under 12 CFR 1005.11 ( Regulation E ), The XXXX XXXX was required to provide a provisional credit or a final resolution within 10 business days of receiving my written notice. As of today, XX/XX/2025, the bank has failed to respond to my certified correspondence or provide the required credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding misleading and deceptive financing practices related to their advertised interest-free or no interest financing. 

At the time of purchase, XXXX XXXX XXXX advertised and represented the financing as interest-free. However, I was not clearly informed verbally or in a way that was conspicuous that this was actually a deferred-interest loan, meaning that if the balance was not paid in full by the promotional deadline, interest would be retroactively added to the entire purchase amount. 

Only later did I discover that back interest was charged, which significantly increased the total cost. This material term was either not disclosed clearly or was buried in fine print, while sales staff emphasized interest-free financing in a misleading manner. 

I believe this practice is deceptive and unfair, as a reasonable consumer would understand interest-free to mean that interest would not accrue or be added retroactively. This financing structure was not adequately explained at the time of sale, preventing me from making an informed financial decision. 

I am requesting that this complaint be reviewed for deceptive business practices and misleading advertising, and that appropriate action be taken to prevent this conduct from continuing. I am also seeking a resolution regarding the interest charges applied to my account. 

The purchase happened in XXXX of 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 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding Aidvantages failure to process a federally approved Borrower Defense to Repayment loan discharge and associated refund in a timely manner.

The U.S. Department of Education approved my Borrower Defense claim and transmitted official discharge information to Aidvantage on or about XX/XX/year>. Aidvantage has confirmed receipt of this information.

Despite this, more than 30 days have passed and Aidvantage has : Not updated my loan status to reflect the approved discharge Not processed or initiated my refund Not provided a clear explanation, processing stage, or completion timeline I have contacted Aidvantage directly and have been told only that the discharge is pending or processing, with no actionable details. This delay has caused unnecessary financial uncertainty and is entirely within the servicers control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
On or around XX/XX/year>, an unauthorized hard inquiry from Ally Financial Auto Financial Companies and XXXX XXXX auto financing appeared on my credit report ( s ). I did not apply for credit with this company and did not authorize them to access my credit file. This constitutes an inaccurate entry under the Fair Credit Reporting Act ( FCRA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I am submitting this complaint regarding unauthorized credit card transactions that were not properly investigated by the card issuer. 

On XX/XX/year>, a charge for {$1600.00} posted to my account from XXXX  XXXX XXXX XXXX XXXX ( XXXX, CA ). On XX/XX/year>, an additional charge of {$500.00} posted from XXXX XXXX XXXXXXXX XXXX ( XXXX, CA ). I did not authorize either transaction, did not receive any goods or services, and did not benefit from these charges in any way. 

I promptly reported both transactions as unauthorized. The company initially acknowledged the dispute and issued provisional credit, indicating the charges were under investigation. However, on XX/XX/year>, the company reversed the provisional credit for {$1600.00}, labeling it a reverse fraud transfer, without providing any evidence, explanation, or documentation showing that the charges were authorized. 

At no point was I provided with proof of authorization, details of any investigation, or an explanation of how the company concluded that the charges were valid. My account activity shows that the transactions were previously treated as unauthorized and later reversed without justification. 

I believe the company failed to conduct a reasonable investigation and failed to comply with the Fair Credit Billing Act and Regulation Z. Their actions caused unnecessary financial stress and risk of inaccurate credit reporting. 

I am requesting that the CFPB review this matter and require the company to properly investigate the dispute, restore all improperly reversed funds, and ensure no negative credit reporting results from these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: CA

Complaint narrative:
I am filing this complaint to dispute multiple inaccurate, unverifiable items appearing on my credit reports. Despite my rights under federal law, these items continue to be reported without proper verification, causing financial harm. 

The following addresses do not belong to me, and I have no knowledge of them. Reporting incorrect personal identifying information violates the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Violations : FCRA 609 ( a ) ( 1 ) : Reporting inaccurate personal information FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation Request : Immediate deletion of all incorrect addresses. 

XXXX  XXXX BANK Account # : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/year> High Balance : {$510.00} Status : Charge Off This account is not mine, and no valid contract or proof of liability has been provided. 
Violations : FCRA 609 ( a ) ( 1 ) FCRA 611 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 1 ) ( A ) Request : Permanent deletion of this account. 

I request CFPB intervention to require deletion of all unverifiable addresses, accounts I have no knowledge of, correction of inaccurate account, addresses as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Furthermore, when I attempted to resolve this directly with Nelnet on XX/XX/XXXX, their representative claimed they had 'no records ' prior to XXXX and explicitly denied my request to speak with a supervisor. This 'information blocking ' prevents me from auditing the 36-month forbearance gap ( XXXX ) that I believe qualifies for forgiveness credit. Nelnet is failing to retrieve legacy data from the Department of Education to verify my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a home E line of credit. I have never missed a payment on my line of credit. I had noticed that I was having trouble with the website for several months. Like every time I paid on line I had to pay it several times on the app bc the payment takes Even such I pay you from my pay bills on my automatic payment I feel that this is a away to underhand and close this old account bc this account is grandfatheted in and this type of accounts no longer exist. Please check

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alliant Capital Management LLC
State: NJ

Complaint narrative:
On XX/XX/year> I sent a detailed email communication requesting a validation of debt regarding their noncompliant debt collection practices, I have no business or signed contract with Alliant Capital Management and yet they keep calling and harassing me. Furthermore, I requested detailed information regarding their ability to collect on an alleged debt and did not receive any communication. I did not receive debt validation information, no 1099c documentation on this alleged debt, no contract agreement with my wet signature, no itemized payment history, no details regarding an aggravated value of purchase outlining what they paid for this alleged debt, and now they have violated my identity by sharing my personal information amongst a third party that I do not have business with. On XX/XX/year> a man named XXXX calling from XXXX contacted three family members in one day. One of my family members they got a hold of at their place of business! They told my aunt they were trying locate me to collect a debit when my family member wouldnt give them any information they wanted their representative stated Dont worry Ill call her sister, uncle Ill get a hold of herand hung up before she could even answer him back. The collector violated the FDCPA by contacting a third party ( my relative ) and threatening to harass other relatives ( sister and uncle ). They also used intimidating language ( 'Ill get a hold of her ' ) to threaten me through a third party. As of XX/XX/year> I have sent a cease and desist letter and also sent yet another email communication requesting a validation of debt regarding their noncompliant debt collection practices. This company has caused me so much stress my next steps will be to reaching out to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NV

Complaint narrative:
I am requesting that MOHELA promptly process my pending Income-Driven Repayment ( IDR ) application selecting Income-Based Repayment ( IBR ). I initially submitted an IRS-verified IDR application on XX/XX/year>, which was never processed. I subsequently submitted another IRS-verified IDR application selecting IBR through StudentAid.gov on XX/XX/year>, and received confirmation that MOHELA received this application.

Despite these submissions, no processing decision has been made, and my account remains in administrative forbearance affecting my ability to make monthly installments toward Public Servant Loan Forgiveness.

If MOHELA believes either application can not be processed as submitted, I request a clear written explanation of the reason for the delay and explicit instructions regarding any action required from me to complete processing.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I am filing this complaint as a verified victim of identity theft and financial fraud. I have submitted an official FTC Identity Theft Report, Report Number XXXX, documenting that my personal information was compromised as the result of a data breach and subsequently used to open fraudulent bank accounts in my name without my knowledge or authorization The institution involved is XXXX XXXX XXXX, which allowed two fraudulent accounts to be opened using my stolen personal identifying information. These accounts are : XXXX XXXX XXXXXXXX routing number XXXX account number XXXX with a fraudulent balance of {$5600.00} XXXX XXXX XXXX routing number XXXX account number XXXX with a fraudulent balance of {$270.00} I did not open these accounts, authorize them, sign any agreements, or receive any funds, goods, or services connected to them. These accounts were created entirely through the unlawful use of my identity. I discovered this fraud in XX/XX/year> and immediately took action by filing an FTC Identity Theft Report and disputing the accounts.

Despite this clear notice of identity theft, the existence of these fraudulent accounts has resulted in financial harm, stress, and the risk of negative credit reporting. Under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, identity theft related accounts must be blocked, removed, and suppressed once proper documentation is provided. My FTC report legally qualifies as such documentation. 

XXXX XXXX XXXX had a duty to maintain reasonable identity verification and fraud prevention procedures. The opening of these accounts demonstrates a failure to properly authenticate the applicant and protect consumer data. Any continued reporting, collection activity, or failure to suppress these accounts after receipt of an identity theft affidavit constitutes noncompliance with federal law.

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 2025-12-30 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: PA

Complaint narrative:
I am filing a complaint about inaccurate and unverifiable credit reporting by LVNV Funding regarding XXXX collection accounts being reported in the amounts of {$2500.00}, {$1500.00}, and {$1400.00}. These debts are not mine, and I requested validation and verification from the company. They failed to provide complete or consistent information. 
The credit bureaus show different open dates, different statuses, and different reporting details for these same alleged debts. No original creditor information is clearly provided, no account numbers are listed, and the dates reported across the bureaus do not match. Without proper validation and clear documentation, these debts can not be verified as accurate or legitimate.

I previously disputed these accounts, but LVNV Funding did not provide full validation or correct the inconsistent reporting. I am requesting that the company be required to fully validate each account with proper documentation. If they can not validate the debts with complete and verifiable records, the fair resolution is to delete all three collection accounts from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I bought a used car while in the XXXX from navy federal on a loan. Loan interest was supposed be under a certain percentage under SCRA. It was not. I told navy federal this and they lost my paperwork. I couldn't pay it and sent me to collections. Navy federal and this other company cant help me out until XXXX  when it comes off my record. i can't get a loan without this record leaving me without a car since rates are higher for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo closed a travel credit card without my knowledge or authorization and doesn't explain why? Im on a business trip and have had no issues with this card.

They did however open a closed credit card different card in wells Fargo than my current active one they just canceled without reason. They have been caught opening up my closed credit cards i had with them 2 years ago and canceled because they kept giving out my information to the credit card frauds I reported and they never blocked, forcing me to close the account to stop fraud because wells Fargo refused to stop the ongoing fraud charges i reported.

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 monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I pulled my consumer reports and found there was Inaccurate and fraudulent information being reported against me.

Company response to consumer: Closed with explanation