vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I booked a hotel in XXXX for a XXXX stay with my credit card for travel in XX/XX/year>. I was traveling first to XXXX then going to spend a few days in XXXX. The amount charged for that hotel was {$6900.00} in XX/XX/year>. However, due to a war in XXXX all flights were cancelled, and due to my recent shoulder XXXX my doctor recommended that I not travel. I was able to get refunds for the flight and other hotels that I had booked, but this particular hotel ( called XXXX Hotel ) that charged me {$6900.00} refused to refund me. I contacted my credit card company, Comenity Capital Bank, and requested that they cancel the charge. They initially did cancel it ; however, in XX/XX/year> this same charge of {$6900.00} was put back on my card without explanation. I started a XXXX appeal, and am waiting for the result of the second appeal. I have sent numerous documents on XXXX occasions to the credit card company to support my refund claim, and I regularly contact the company every month about this issue. Comenity Capital Bank has not sent me any email or other writing to explain the decision or to tell me the status of my dispute, or to otherwise explain their position. However, they have refused to issue the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
At XXXX a.m. on XX/XX/XXXX, I requested a cashier 's check for {$6400.00} from my savings account at Chase Bank XXXX XXXX XXXX, XXXX, CA XXXX branch, made payable to XXXX XXXX XXXXXXXX XXXX ' Later, I learned that the check should have been made out to XXXXXXXX XXXX XXXXXXXX XXXX ' so I returned to the branch at XXXX p.m. 

At XXXX p.m., a teller escalated my request to the XXXX, who issued a new check with the correct payee name. 

On XX/XX/XXXX, I noticed XXXX withdrawals of {$6400.00} each, totaling {$12000.00}, from my account. 

I have been in contact with the branch XXXX, and nothing has happened. The branch XXXX always asks to wait for a few more days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Prog Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, my order from XXXX was cancelled due to their technical difficulties nationwide that it was even on the news about that issue. Due to this XXXX completely cancelled my order, meaning I didnt receive the items that I ordered. For some reason this Buy Now Pay Later all called Four continues charging me for that order when I submitted the evidence that the order was cancelled. Its a lot of money that they keep taking from my account. I sent them several emails about the situation for over XXXX weeks and they only kept asking me for proof but no solution was given to me. You call the number they provide on the agreement and it tells you to email them or use the Chat. You go and use the chat and it doesnt comprehend the situation either. You email them and nothing as well. I need a solution this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: AL

Complaint narrative:
I purchased a car with carvana back in XXXX I received title from them in XXXX stating that my car was paid off a few months later they called me and stated that my loan wasnt paid off and came back and repossessed my car I received paperwork that my car loan was paid in full and my title now its reporting on my credit report as a repo when my car was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute my federal student loan obligations due to a significant breach of my personal and financial information. My private data was compromised without my authorization, vilend similanaltiple federal laws designed to protect student records and personal privacy. 
Under the following legal protections, my information should have been safeguarded : * Family Educational Rights and Privacy Act ( FERPA ) : Ensures the confidentiality of student records and prohibits the unauthorized disclosure of personal information. 
* Higher Education Act ( HEA ) : Establishes the responsibility of educational institutions and loan servicers to protect student data. 
* Privacy Act of 1974 : Prohibits the unauthorized sharing of personal information held by federal agencies. 
* Breach of Contract : The unauthorized sharing of student loan borrowers ' personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 

* Breach of Contract and Negligence : The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. 

Given the severity of this data breach and the failure to uphold federal protections, I formally request the immediate discharge and cancellation of my student loan debt in full. Please provide written confirmation of receipt of this dispute, as well as information regarding the next steps in the resolution process. 
I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Back in XX/XX/XXXX, I used my PayPal business account to process credit card payments. The credit card transactions were payment from my customers for an event that I was hosting in XX/XX/XXXX. PayPal closed my account in XX/XX/XXXX without an explanation and put my funds on " hold ''. They told me that the reason for the hold was to ensure that none of my customers would dispute the charges and that funds would be available in XX/XX/XXXX. The charges were over XXXX individual transactions totaling {$8300.00}! As of today, XX/XX/XXXX, the funds are still not available and it's now been nearly XXXX months since I processed those cards through PayPal. I know all my customers, they have been repeat customers for years now. Not a single customer has disputed these charges. This is a lot of money and I believe I have been a victim of unfair and deceptive practices from PayPal. 

Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BELMONT FINANCE LLC
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
The United States Department of Education did not transfer my XXXX loans from XXXX lender to another in XXXX. I have been paying both loans off. I am almost finished with Mohela, but I have been paying XXXX as well and they say I owe them more than I did in XXXX. I attempted to get help from US Department of education, but they ignored me. I have tried to call them and could not get through to them. 

PLEASE HELP ME. 


Group and Loan Summary Within each account, your individual loans may be grouped according to the characteristics they have in common.

Past Due Amount : {$1900.00} Monthly Payment Remaining : {$210.00} Current Amount Due : {$2100.00} Due Date : XX/XX/XXXX Current Balance : {$27000.00} Unpaid Accrued Interest through XX/XX/XXXX : {$1300.00} Regular Monthly Payment Amount : {$210.00} Last Payment Received : {$210.00} on XX/XX/XXXX Payment History Group : A Loan Type : XXXXXXXX XXXX Status : REPAYMENT Repayment Plan : Extended Standard Repayment Payment Information Current Amount Due : {$230.00} Due Date : XX/XX/XXXX Interest Rate : 6.800 % Regular Monthly Payment Amount : {$21.00} Last Payment Received : {$21.00} on XX/XX/XXXX Balance Information Principal Balance : {$2600.00} Unpaid Accrued Interest through XX/XX/XXXX : {$11.00} Fees : {$12.00} Outstanding Balance : {$2600.00} Group : XXXX Loan Type : XXXX XXXX Status : REPAYMENT Repayment Plan : Extended Standard Repayment Payment Information Current Amount Due : {$1900.00} Due Date : XX/XX/XXXX Interest Rate : 6.800 % Regular Monthly Payment Amount : {$190.00} Last Payment Received : {$190.00} on XX/XX/XXXX Balance Information Principal Balance : {$22000.00} Unpaid Accrued Interest through XX/XX/XXXX : {$1300.00} Fees : {$100.00} Outstanding Balance : {$24000.00} Loan XXXX ( XXXX of XXXX Loans in Group B ) Loan Type : XXXX XXXX Loan Status : REPAYMENT Interest Subsidy : Unsubsidized Lender Name : XXXX ACADEMIC LOAN School Name : XXXX XXXX University Current Information Due Date : XX/XX/XXXX Interest Rate : 6.800 % ( Fixed ) Loan Term : XXXX Payments Remaining Principal Balance : {$22000.00} Unpaid Accrued Interest through XX/XX/XXXX : {$1300.00} Capitalized Interest : {$12000.00} Historic Information Convert to Repayment : XX/XX/XXXX Original Loan Amount : {$15000.00} Disbursements : {$5200.00} on XX/XX/XXXX {$5200.00} on XX/XX/XXXX {$5200.00} on XX/XX/XXXX Benefit Details for Loan XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I sent a money order to Citi banks XXXX XXXX XXXX XXXX XXXX XXXX, in The amount of {$260.00}. It was delivered XXXX XXXX. Citi bank cashed it on XXXX XXXX and wont update my account. I called and they act like they cant locate the money order but it was cashed

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 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no connection to these accounts and did not approve their setup. I request a prompt review and removal from my records. Supporting evidence is enclosed.

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 2026-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I am disputing a medical debt related to a XXXX XXXX performed on XX/XX/XXXX at XXXX XXXX XXXX. 
I formally disputed this debt in writing on XX/XX/XXXX with the prior debt collector. The dispute was sent by Priority Mail with tracking and clearly requested validation of the debt and cessation of all collection activity. 
Despite this, Transworld Systems Inc. sent me a collection letter dated XX/XX/XXXX demanding payment and providing payment options. No written verification of the debt was provided before this collection attempt, and the letter did not acknowledge the existing dispute. 
Under the Fair Debt Collection Practices Act, once a debt is disputed in writing, collection activity must cease until verification is provided. The dispute status does not reset when a debt is transferred to a new collector. 

This complaint concerns unlawful collection activity on a previously disputed medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I paid the loan off electronically. Huntington rejected the payment. We had a check sent Huntington said they never received it. I paid them directly they reversed the payment. They cashed the check that they said they didnt receive and then reversed that payment. So a total of 3 payments were reversed or rejected. They finally took a final payment. They gave me multiple dates they would have me a lien release and that date kept changing. Their supervisors filed a total of 3 complaints that they told me i would hear back in 5-10 business days. When i asked why i havent heard anything back they told me all 3 have been closed yet the issue still hasnt been resolved. At this point im not going to be able to trade my vehicle in and this is going to cost me {$480.00} extra buying this new vehicle because of Huntington banks failures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
I am disputing a rental debt that this collection agency is attempting to collect and report. The alleged debt arises from a residential tenancy that was rendered uninhabitable due to the landlords failure to maintain essential services and address serious health and safety issues. These conditions resulted in constructive eviction under Nevada law. 

Despite the invalid nature of the underlying debt, the collection agency is attempting to collect the balance and has reported the account to credit bureaus. The debt is disputed because it stems from charges that are not legally owed and should not have been asserted or transferred for collection. 

I am requesting regulatory review of the collection agencys conduct in attempting to collect and report a disputed and invalid rental debt, including whether its actions comply with federal consumer protection requirements.

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 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
This report is regarding a camera company ( HILLCREST DAVIDSON & ASS starts with account number XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX that installed cameras in my home and shortly after stop functioning. After many attempts to have them come over to my home and resolve my issue I went unanswered. Once I saw that they were not going to resolve my problems with the cameras I called and cancelled my subscription. I went to my bank and had them removed from the autopay and after doing so is when they contacted me. I explained to them that the cameras stopped working shortly after them being installed and to this they called because they could not take the payment from my account. I was within the timeframe where they told me incase of cancellation I was to return everything in its original boxes. After boxing everything they still didnt go back for their equipment and that is when my account was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/XXXX at XXXXXXXX XXXX. I was standing in line at bath & body works in my hometown XXXX XXXX  when alert came across my phone from a home Depot store and I was like I did not spend money at XXXX XXXX store we don't even have a home Depot store here in XXXX so I didn't freak out I cashed out at bath & body works went to my car got on my phone looked said it was a transaction for {$350.00} I called chime they had asked me if it was still pending or if it went through I said it was pending they said we had to wait for it to go through call back make a dispute I called back made a dispute after it went through I believe it was on the XXXX of XXXX after a couple days they deny my claim I submitted information to them if they requested that included my address screenshot of where the store was so they can pull it up and see how far away it is away from my house it's more than XXXX hours away the XXXX trains actions the one in XXXX XXXX XXXX  and the one here until coffee XXXX was made exactly XXXX minutes apart there's no way for me to get from XXXX XXXX back to XXXX in XXXX minutes I submitted that resubmitted my claim after XXXX days they denied my claim again so I got online I called The XXXX XXXX store they did in fact say that it was a in-store purchase come to find out the name of the guy they have a phone number and an address for him he shops there avidly so she said she would contact me by email which would have been the following Monday she still didn't call me or email me so I had gotten contact with them again yesterday so she got on there and did a little more investigating from the XXXX XXXX store and she said ma'am are you a contractor and I said no Well turns out that the person who made the transaction oh my card for {$35000.00} is a contractor so I got a hold of time again gave them all of that information they just sent me a denial confirmation this morning that they denied my resubmission stating that they're not going to reissue my money back so this is the third time that time has that denied me I called the XXXX heights Police department I was advised that I needed to call my hometown local police department because that's where I reside I called my hometown local police department and Chillicothe told me that there's nothing that they can do because yes I live here until coffee but the purchase was made in XXXX heights and that's where the initial charges was filed so basically neither Police department is wanting to help me get my money back and the XXXX XXXX store is willing to help me but they have to have a police report first but neither Police department is willing to help me so is there a way that any XXXX of you guys could possibly help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
XX/XX/year>, I received an email stating that a $ XXXX fee would be charged to my card. I have never had this kind of fee so when I reached out to the company through their chat support in the mobile app, also on XX/XX/XXXX, I was told it was so the company could continue to provide the " special benefits '' associated with my card such as 2 % unlimited cash back, fraud protection, and XXXX liability. I have this on other cards and do not pay a fee. I have had this on my card since I got it and have not had to pay a fee to have these benefits. And these benefits are not above and beyond other cards. They are pretty standard. When I inquired with the company about who is being charged this fee, the response from the customer service rep was that a subset of the 2 % cash back cardholders were going to be charged this fee. I asked for the criteria that determined those selected, and his response was the company did not provide that information. The only info he provided was that not everyone with the same card as me will have to pay the fee, only those receiving the notification via email or mail. When I asked about the " opt out '' option for the fee, he said that mean I would have to cancel my card and close my account. My response was that's not an opt out, then, it's either pay the fee or close your account. Closing the account is VERY different than opting out of a fee for benefits that are provided by nearly every type of credit card. I do not want to pay a {$120.00} annual fee for something that is a minor benefit, and I do not want to close my account because that produces a negative hit on my credit report, which I'm already trying to repair. So it's a " damned if you do, and damned if you don't '' scenario, which does not seem like a fair practice when they already charge exorbitant interest on the balances.

Company response to consumer: Closed with explanation