vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I went back to school In XXXX and had to get student loans XXXX time it was for {$8700.00} pretty close to $ XXXX to cover me XXXX a books expense! In XXXX I was called by federal student loan that offered me a opportunity to be involved in a student loan forgiveness program that offered me to pay 10 % of what my loan amount was for and could make payments but had a deadline to decide to be a part I was working at that time in the medical delis and decided to take them up on such a great opportunity so I set up auto pay to pay off {$900.00} to pay out my student loans after my last payment I was suppose to be cleared of any debt I owed! I went online to federal student loan acct online and they have no record of my payments mohela has no records of my payments and unfortunately through many moves over the years and many bank acct closures and new acct opens due to fraud and scammers and debit card fraudulent charges etc I no longer have any proof phone changes etc of the payments I made but I am still at the same banks minus XXXX bank I called my bank to see if I could just get proof of my acct where the money came out to pay them tha should be all the proof I need! However XXXX of how long ago This was the bank has to pull them from the archives and if you dont know XXXX exact months etc you have to pay {$5.00} XXXX and I do t have the money to pay for all those statements XXXX XXXX not sure when I just remember the XXXX I paid back and the only way would be to pay them to print them XXXX they wont search them first or you it just have to request pay and look through yourself to find and if I had that kind of money I would but its a blessings that this law suit against them has come XXXX XXXX in the number with everyone and being apart of this law suit maybe the bank would provide this info to the company handling the law suit with out cost to get the proff I paid in totality my part of the student forgiveness loan offered to me! Please help me and XXXX me to this lawsuit so that this issue can be resolved I have been trying to figure out what I could do about this since they started reporting the loan as unpaid in XXXX I believe and its really helping do a lot of damage to my credit as well

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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
Consumer complaint received 2026-03-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing because my claims keep being denied. I and neither did any of my family approve a purchase on XX/XX/XXXX for {$2000.00} from a gym in XXXX or where ever XXXX XXXX is which is listed here. XXXX XXXX XX/XX/XXXX PURCHASE XXXX XXXX XXXX. I was on a Norwedian cruise from XX/XX/XXXX to XX/XX/XXXX. While at port in XXXX, XXXX on XX/XX/XXXX I tried pulling cash out of an ATM right outside the ship and received two CHIP READER errors so, I thought nothing of it and got back on the ship. I proceeded to the ships casino and pulled out {$500.00} and noticed my acct was really low. Come to find out there was a purchase/debit for {$2000.00}. Bottom line is my debit card was compromised while at port in XXXX, XXXX. No way I would go to a gym or whatever while at port and approve a purchase of {$2000.00}. Bank of America failed to protect my account and are now trying to remove the temporary credit of {$2000.00} on XX/XX/XXXX. This cant happen because I did nothing wrong here.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service International Corp
State: AL

Complaint narrative:
This is not my debt I ask for debt verification according to 15 usc 1692g and 609 law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
On or about XX/XX/year>, I reviewed my credit report and discovered accounts and/or transactions that I did not authorize. These accounts were opened without my knowledge or consent. As of XX/XX/year>, the reported balances and activity were inaccurate and fraudulent. On XX/XX/year>, I contacted the credit bureaus and the companies involved to dispute the accounts and reported the identity theft. I also placed a fraud alert on my credit file. Despite these actions, the fraudulent accounts remain or have not been fully resolved. I am requesting that these accounts be investigated, removed, and that I not be held responsible for any related charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I placed an order with XXXX XXXX and paid a {$190.00} deposit using my Wells Fargo debit card. On XX/XX/XXXX, I paid the remaining balance of {$2000.00}, for a total of {$2200.00}. At the time of purchase, I was given an estimated delivery timeframe of XX/XX/XXXX. I understood there could be delays ; however, each time I checked for updates, the delivery date was pushed further out. By XX/XX/XXXX, there was no estimated delivery date at all. I continued checking monthly and received no clear delivery timeline. On XX/XX/XXXX, I contacted the company to request a refund because the product had still not been delivered and I could no longer wait. The company responded within XXXX hours confirming that my order was canceled and that I would receive a full refund within XXXX business days by check. I never received the refund. After waiting beyond the promised timeframe, I filed a dispute with Wells Fargo on XX/XX/XXXX. My claim was denied, and I was not given the opportunity to provide supporting documentation, including proof that the company confirmed my refund and failed to issue it. This is a case of non-delivery of goods and failure to issue a promised refund. I am requesting that Wells Fargo reopen my claim, review the evidence, and return my funds.

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 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Subject : Excessive Retroactive Interest Charge and Failure to Respond I am filing a complaint regarding my XXXX credit card account issued by Comenity Capital Bank. A retroactive interest charge of {$2500.00} was applied to my account on a balance of approximately {$2500.00} following the expiration of XXXX deferred interest promotional plans ( expiring XX/XX/XXXX and XX/XX/XXXX ). While I understand that deferred interest may be applied if a balance is not fully paid by the expiration date, the magnitude of this charge came as a complete surprise and has created significant financial hardship. I have always maintained a perfect payment history on this account. I have never missed or been late on a payment and have consistently paid approximately {$500.00} per month toward the balance. I was actively working to pay down these promotional balances and did not ignore the account. I believe this situation may have been impacted by the fact that I opted out of paper statements and my prior work email address did not properly receive statement notifications, which contributed to my misunderstanding of the promotional deadlines. I made multiple attempts to resolve this matter directly with Comenity Capital Bank, including messages sent on XX/XX/XXXX and subsequent follow-ups. I was initially told I would receive a response within XXXX hours, but did not receive a timely reply. During the delay, an additional approximately {$700.00} in interest accrued on my account while I was actively seeking assistance. When I finally received a response, it consisted of a general explanation of the promotional terms and a statement that they were unable to credit the finance charge. My request for a XXXX XXXX, based on my payment history and circumstances, was not meaningfully addressed. I am requesting that Comenity Capital Bank : Conduct a thorough review of my account and the application of the retroactive interest charges. Consider a full or partial goodwill adjustment of the {$2500.00} interest charge. Address the additional interest that accrued while my request was pending and unresolved. Provide a clear and detailed explanation of how the total interest charges were calculated. I am seeking a fair and reasonable resolution based on my strong payment history, good faith efforts to resolve this issue, and the financial hardship caused by these charges. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I was never contacted or notified of this debt thats on my credit report. Its violated my federally rights per FDCPA Sections 809b 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am disputing a collection account being reported by LVNV Funding LLC on my credit report. This account is being reported with inconsistent and conflicting information across multiple credit bureaus, including different account numbers, balances, and dates opened. This raises serious concerns regarding the accuracy and validity of the account. I do not recall entering into any agreement with LVNV Funding LLC, and I have not been provided with proper validation of this alleged debt. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this account, including : * The original signed agreement * Full payment history * Chain of custody / assignment of the debt * Proof that LVNV Funding LLC has the legal right to collect If LVNV Funding LLC can not provide complete and verifiable documentation, this account must be deleted immediately from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting I owe a debt to them and reporting it monthly as a late payment. I have never done business with this company.

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX I called in and did a claim. Ive been canceled my XXXX XXXX subscription. This is not the first time they took more than XXXX payment out. It was XXXX {$10.00} and XXXX {$5.00}. They only gave me money back from XXXX XXXX and XXXX XXXX. I talked to like 4 people today, XXXX XXXX trying to resolve my problems. All of them basically told me it was MY fault when it was fraud. So now my account is XXXX dollars. Like I said this isnt the first time WELLS FARGO HAS taken money out of my account. XXXX being one of the claim people to go over it had like a nice nasty attitude as if he didnt want to help me. He basically was saying I had my card during the fraud and it was me. Which doesnt make sense, because why would I keep calling the bank trying to see whats going on with my account if I was the one who did it? I know how to take accountability I would never go out my way to arguing with someone about money that I spend. It never gave that for money I can get back. I have a problem now bc this is a ongoing thing at this point, and Im tired of paying the bank MONEY back that wasnt on my end and was on their end for a mess up.

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 2026-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I am submitting this complaint regarding a serious concern about how my mortgage lender handled my personal and financial information. I recently received a large envelope from my mortgage company containing multiple documents related to my loan. Inside this package were documents that included full, unmasked Social Security numbers for both myself and my husband, along with detailed financial information connected to our mortgage account. The envelope was clearly marked with the lenders name, making it obvious where it came from, and most concerning, it arrived opened when it was delivered to me. This should have been sent via certified mail only. This situation has caused significant concern because it appears that extremely sensitive personally identifiable information was not properly protected. Sending full Social Security numbers without any masking, along with a large amount of financial data in a single mailing, does not seem like a secure or appropriate way to handle this type of information. The fact that the package arrived opened raises the possibility that our personal and financial information may have been exposed to unauthorized individuals during transit. Because of this, I am very concerned about the risk of identity theft and financial harm. I do not feel confident that my information was handled in a secure manner, and I am requesting that this situation be reviewed to determine whether proper data protection practices were followed and whether this incident qualifies as a reportable exposure or breach. I would also like to know what responsibility the lender has in protecting my information and what steps should be taken to prevent something like this from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
Validation of Debt Request - SPRING OAKS CAPITAL LL - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize, initiate, or otherwise consenteither expressly or implicitlyto any application for credit with this company. Accordingly, the credit inquiry appearing on my consumer report is unauthorized. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a consumer report to a party that has a permissible purpose. I have no knowledge of any permissible purpose that would have allowed this company to access my credit file. At no time did I provide written, verbal, or electronic authorization for this company to obtain my consumer report. Therefore, the presence of this inquiry on my credit report appears to be improper. I am requesting that this matter be investigated and that the unauthorized inquiry be removed from my credit report. If you believe this inquiry was made with a permissible purpose, please provide documentation demonstrating the basis for that access, including the date of the inquiry and the permissible purpose relied upon. If such documentation can not be produced, please delete this inquiry from my credit file and provide written confirmation once the correction has been completed. Thank you for your prompt attention to this matter.

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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Stellantis Financial Services US Corp.
State: MO

Complaint narrative:
I have asked repeatedly for a copy of a generated statement for my Charged off collection account that was settled in-house. XX/XX/XXXX. I was sent a letter that showed the loan has been satisfied but i need a statement or letter stating that the account was settled and therefore the balance is XXXX or a statement showing the settlement payment and the balance being XXXX as a result and no further payments will be due or expected.

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 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Recovery One, LLC
State: OH

Complaint narrative:
I had a service on XX/XX/year>, I have contacted the company and debt collector many times, the company transfers me from person to person and then tells me to contact the debt collector and the debt collector tells me to contact them. I have provided the claim form that proves the original debt was paid after they were told to reprocess it, the company claims that the insurance company paid it and then took the money back. I have tried on many occasions to figure out what is going on and I am now being told that it was never paid even though I have a claim form that says it has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year>XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the following account listed on my credit report. Creditor : Possiblefina Account XXXX : XXXX This account is being reported as a collection and charged-off debt. I dispute the accuracy and completeness of this listing. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you conduct a reasonable investigation and verify the following : XXXX. The original signed contract bearing my signature XXXX. Complete chain of assignment showing how XXXX XXXX obtained this account XXXX. The original account balance and full payment history XXXX. Proof that the debt is legally collectible and within the statute of limitations If you can not verify this information with competent evidence, the account must be deleted from my credit file pursuant to FCRA 1681i ( a ). Please send me written confirmation of the results of your investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XXXX XXXX, I received a letter from BMO requesting additional information regarding deposits from XXXX, which is a legitimate online shopping rebate platform ( e.g., rebates from retailers such as XXXX ) . BMO classified these deposits as manufactured spending and requested that I cease this activity. During follow-up discussions, a representative acknowledged that my transactions did not align with the definition of manufactured spending. Nevertheless, I complied and stopped all such deposits into my BMO account at that time. On XX/XX/XXXX, I received a notice that BMO would be closing my entire banking relationship effective XX/XX/XXXX. The letter did not provide any specific reason for the closure. When I contacted customer service, I was also unable to obtain any explanation. Since discontinuing the previously flagged activity over six months ago, my account activity has been limited to standard personal banking transactions, including payroll deposits ( from my XXXX XXXX ), routine bill payments, and internal transfers for budgeting purposes. There have been no unusual or high-risk transactions to my knowledge. I have been a customer of BMO for approximately 15 years and have maintained multiple accounts in good standing. I am requesting : A clear explanation of the specific activity that led to the decision to close my accounts Confirmation as to whether this decision is related to the previously reviewed and discontinued activity Assurance that no negative information will be reported to any consumer reporting agencies ( e.g., XXXX or similar ) The lack of transparency surrounding this decision is concerning, particularly given that I complied with prior requests and have maintained what I believe to be standard, low-risk account activity.

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