vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Climb Credit Inc.
State: CO

Complaint narrative:
In XXXX of XXXX I signed a contract for an online web development course named XXXX. They had a very strict refund policy as well as poor communication with anybody in the company. Most of their communication was managed through messaging service Discord and almost anytime I had tried reaching out I got no response. I never used any of the courses provided in XXXX online portal. A month after I signed this contract I went to the XXXX XXXX XXXXXXXX XXXX XXXX XXXX and was shipped out XX/XX/XXXX to boot camp. While I was in boot camp my credit company for XXXX, Climb Credit, had sold my debt to who I believe is XXXX XXXX XXXX. After boot camp I saved money in my school house to pay off the debt if I needed to. The issue is I never got any service from XXXX that I paid for. XXXX discontinued in XXXX of XXXX and I have no way of learning any of their courses. I was told that if I paid any of this debt that it would be admission to my use of the product. So I left things as they were and focused on my education for the military. I think it was around 5 months ago they dinged my credit massively. I dropped from an almost XXXX XXXX XXXX to it being now XXXX. XXXX XXXX XXXX would call me every now and then to get me to pay my debt. I emailed them XX/XX/XXXX about a complaint with XXXX and the whole issue I was having. After I had emailed them they stopped communicating completely and did not respond. I believe this situation is a valid example of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am seeking the implementation of my rights as outlined in FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As someone who has been affected by identity theft and EQUIFAX DATA BREACH, I have the right to request that any fraudulent information be removed from my credit report. This law mandates that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please delete within 4 business days. This has caused me to be so sad and depressed, and this is taking a toll on my mental health. I strongly ask you to promptly take the proper steps to ensure that these protections are fully enforced. Noncompliance undermines the integrity of the credit reporting system and exacerbates the harm inflicted on victims like myself. I look forward to the assistance.

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 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
In XXXX, I paid off one of my loans. I did not adjust my auto-pay scheduled for ~a week later, and it paid towards that loan. I now have a negative balance of ~ {$250.00}. I reached out to Mohela on XXXX to apply that loan balance to a different loan. I called them ~a month later to check on the status. It has been sitting in processing and they were unable to do anything on the phone except tell me to wait. It has now been over 2 months, which feels like an unreasonable amount of time. I am currently on hold with them and have been on hold for XXXX minutes.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
Sofi allowed a fraudulent charge for over {$500.00} in XXXX to go through on my account and then sends me a text to confirm it was me. I selected no and then saw the transaction was already approved. What is the point of this system if its going to be approved anyways. It froze my card. I attempted to file a dispute but the transaction is still pending and they will not begin the dispute process. The transaction occurred on XX/XX/year> {$500.00} XXXX XXXX Terminal Location : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX This transaction took place on my joint account that I share with my Husband

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I have been doing some investigating on who I can talk to above Mohela. I have been through XXXX and back trying to get my account accurate. In XX/XX/XXXX my loans went into save forbearance and then in XX/XX/XXXX they all went into borrower of defense forbearance. I never asked all loans to be on borrowers forbearance only the loans that should be which is XXXX and XXXX ones only. I found out that Mohela put them all into the forbearance on XX/XX/XXXX. I asked for them to take them out. It has been an emotional, stressful roller coaster trying to get my account right. I was denied multiple times to come out of save plan to a IDR due to my loans not in repayment status. But they should have been per federal student aid. They have 2 loans in borrowers of defense forbearance once again that has nothing to do with the application. I have wrote, spoke and now complaining because I am at my wits end. I have not made the payments my job has. I work to have those payments sent and I am basically working for free. I have XXXX payments not count because of their incompetence of borrowers of defense forbearance. I had overpayment and payments weren't to start til XX/XX/XXXX but now they are in a IDR and paying {$700.00} a month. But they can't go back and fix their mistakes due to being incompetent. I need resolutions I need answers and I need my payment counts to be counted because it was Mohela who dint do right and kept denying me IDR when they didn't have their records right. I am suppose to have XXXX payments. But I don't due to their negligence of allowing me to go into IDR. I am not going to suffer or pay the price when payments where still being made. I need to find a solution asap. I have done my part but Mohela has failed me and it's been mentally draining. If I don't find resolution here I have no choice but to obtain counsel and see what my options are. My evidence speaks for itself. I will include proof of Department of Education records of my loans and then a separate file of Mohela correspondences in my file that back up me trying to get in IDR and told no due to not being in repayment. I can't fight this fight anymore.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lendmark Financial Services
State: LA

Complaint narrative:
Current employee of Lendmark Financial. The pressure and direction from upper management to renew current and former customers is overly aggressive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: GA

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 2026-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: RLB Texas Auto Center LLC
State: TX

Complaint narrative:
Car became undrivable. XXXX XXXX XXXXXXXX XXXX finance dept continued to harass with multiple calls even after explanation that car was on company lot. Car was returned XXXX to be fixed within XXXX everything that was paid for to be fixed not covered by warranty but faulty, causing my engine to overheat without warning. XXXX XXXX XXXX still proceeding to require i pay a car note for car I can not drive. When discussing trade options, XXXX XXXX not only asked for more money down but also threatened voluntary repossession without guarantee that the next vehicle would not present the same issues. On XXXX XXXX XXXX, finance dept proceeded to call again and at this point questioned why I was unable to purchase a new car since not paying previous note. When I called Sales office to speak with a manager, I was put on a long hold and then told the manager was listening to the conversation in the background. Never introduced themselves or offered any resolution, leading me to believe the situation was pure fiction. They still have this vehicle on my credit report and I have not had any vehicle since XXXX XXXX. The car was never fixed when originally sent back in XXXX for sealant leak, thermostat housing unit, etc. Only thing fixed were issues associated with tires.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Revolut Technologies Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally escalate and document my complaint regarding the severe mishandling of multiple fraudulent transactions reported on my account. I have been a victim of fraud and scam activity, and I reiterate that all transactions previously submitted are completely unauthorized. The total amount involved exceeds {$10000.00} USD. Under applicable consumer protection standards and zero-liability principles for unauthorized transactions, I bear no responsibility for these charges. Despite my timely reporting, submission of a police report, and repeated follow-ups since XXXX, I have not received any meaningful response, resolution, reimbursement, or even a consistent explanation from your institution. This prolonged inaction is unacceptable and raises serious concerns regarding compliance with your obligations in handling fraud claims. Furthermore, I must formally raise concerns about the quality and consistency of your customer support. I have been required to repeat my case multiple times to different agents, many of whom appeared insufficiently trained to handle fraud-related matters. I have retained full transcripts of these communications, which demonstrate : A lack of accurate and consistent information Failure to provide clear case status updates Miscommunication and improper handling of dispute filings This pattern of conduct has caused significant distress and has led me to reasonably question whether my case has been handled with the level of diligence and impartiality required. I must also state that I feel I have not been treated fairly throughout this process. At this stage, your failure to act, communicate, and resolve this matter in a timely and transparent manner may constitute negligence in the handling of a reported fraud case. Accordingly, I hereby make a formal demand for the following : 1. A complete and consolidated report of all disputes associated with my account 2. The total value of all open, pending, and declined disputes ( in USD ) 3. A detailed explanation for any denied claims, including the basis for such decisions 4. Confirmation of all investigations, chargebacks, or appeals currently in progress 5. Immediate clarification as to why no resolution or reimbursement has been provided after several months Please be advised that if this matter is not resolved promptly, I am prepared to escalate further by seeking independent legal counsel and filing formal complaints with the appropriate financial regulatory authorities. This letter serves as a formal record of my attempt to resolve this matter directly with your institution prior to taking further action. I expect a clear, structured, and comprehensive response without further delay. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had multiple problems with Bank of America ; I had file identity theft early in the month. So I UNDERSTAND THEY NEED TO VERIFY that IS ME! I am trying my best to understand their procedures that they need to follow however, today I urgently need it to do a personal matter, and I had to ask the personal banker to help me after showing her my license, my debit card. Explaining the situation. She only needed to print my bank statement for a personal matter with update address which I had fix last month and this statement should have had my right address. It seemed weird that she also knew why I came to the bank. She started asking me a lot of questions. Felt very disrespectful, the woman gave me a hard time continue asking me too many invasive questions while explaining why I couldn't use my phone. She just wasted my time. In consequences, I lost my appointment and I also saw that they didn't update my address on the statement she didn't even want to print it to show them I had update the address to my appointment. Since I have the copy of the postal office. It was very frustrating. The second incident was the teller refuse to do my transaction where I had to go back of the line twice. The third incident was where I ask if I could get my balance and the woman told me to leave. I can't continue fighting with them as it is my account and they are not helping me. Please I need them to stop playing with my account as sometimes it get block and again the list go on and on. It's too much. I am human and I have the right to do personal matters when I need the bank to help me.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: AL

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 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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Aldous & Associates on my credit reports. I requested validation of this alleged debt ; however, Aldous & Associates failed to provide sufficient documentation to verify the accuracy of the account or their legal authority to collect. The information provided does not include a signed agreement, a complete payment history, or documentation showing how the balance was calculated. Additionally, no evidence was provided demonstrating that Aldous & Associates has the legal right to collect or report this debt. Despite the lack of proper validation, this account continues to be reported to the credit bureaus. Reporting a debt without sufficient verification raises serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
They called me XXXX times in XXXX day I want to report them for unlawful harassment before debt collections was even made they call me at work and they call my job its law to not call more than 7 times in 7 days so I want to report for unlawful harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
" I filed XXXX credit card disputes with USAA ( cases XXXX, XXXX, XXXX, XXXX, and XXXX ) totaling {$14000.00} for mobile app development services purchased through XXXX that were never delivered. The developer 's own written communications confirm the app was never submitted to or published in the XXXX XXXX XXXX or XXXX XXXX XXXX. USAA denied all XXXX disputes. I have submitted a reassertion by certified mail with a full evidence packet. I am requesting that USAA re-evaluate these disputes under XXXX XXXX XXXX XXXX, Merchandise/Services Not Received. ''

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I disputed both accounts ending in XXXX and XXXX directly with American Express on XX/XX/year>. I requested full validation and documentation supporting the accuracy of these account. American Express has failed to provide adequate verification or sufficient documentation to support the reported balance, account status, and payment history. Despite my dispute, the account continues to be reported as a charge-off with inconsistent and unverifiable information. This is a violation of the Fair Credit Reporting Act, as all reported information must be accurate and fully verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am filing this complaint regarding an unlawful hold placed on a government-issued check in the amount of {$10000.00}, which was deposited into my account on XX/XX/year> via Teller. Under Regulation CC ( 12 CFR Part 229 ), government checks are generally required to be made available for withdrawal no later than the business day after the banking day of deposit. Despite this federal requirement, Citizens has placed an extended hold on these funds until XX/XX/year> without providing a valid statutory reason for the delay. I contacted the bank on XX/XX/year>, XX/XX/year>, XX/XX/year> & XXXX/XXXX/2036 to resolve this, but the representative was unable to provide a legitimate exception under the law to justify the hold. This delay is causing significant financial hardship, and I am requesting that the CFPB intervene to ensure the bank complies with federal availability schedules and releases my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I refinanced my auto loan with Digital Federal Credit Union ( DCU ) for my XXXX XXXX XXXX XXXX ( VIN : XXXX ). Despite completing all required steps, DCU has failed to perfect their lien with the XXXX XXXX. My title still does not list DCU as lienholder. Timeline of failures : 1. DCU sent the lien placement packet to me with an outdated return address ( XXXX XXXX, XXXX ) due to their internal merger-related address change. As a result, my completed forms were mailed to the wrong address through no fault of my own. DCU later informed me the correct address was XXXXXXXX XXXX 2. I submitted the completed " Application for XXXX Title and/or Registration '' form via XXXX twice XXXX - Tracking # XXXX Delivered XX/XX/XXXX - Tracking # XXXX Delivered XX/XX/XXXX XXXX. DCU representative XXXX XXXX confirmed in writing : " If you have tracked it as delivered to DCU, it will get processed. '' 4. DCU representative XXXX XXXX subsequently confirmed in writing : " we did, in fact, receive the lien placement paperwork and currently have perfected title and acceptable proof of insurance on file. '' 5. Despite this written confirmation, when I attempted to refinance elsewhere, the new institution confirmed DCU is NOT listed as lienholder on the XXXX title meaning lien perfection was never completed. 6. When I called DCU again, they reversed their position and claimed they did not receive my paperwork, and said they would " search the mailroom. '' DCU has : - Lost my documents on multiple occasions - Provided false written confirmation that lien perfection was complete - Failed to file the lien with XXXX despite receiving my documents ( confirmed by XXXX ) - Left my title in an unperfected state for several months, impacting my ability to refinance Direct financial harm caused by DCU 's failures : - Out-of-pocket mailing costs for submitting the required forms twice via XXXX XXXX mail - Loss of a refinance opportunity with a new lender offering XXXX % APR, which I am unable to proceed with until DCU perfects the lien. Every day of delay results in excess interest charges on my current loan. I am requesting the CFPB to investigate DCU 's title/collateral management practices and compel them to immediately perfect the lien with the XXXX XXXX XXXX DCU XXXX : XXXX | XXXX XXXXXXXX ID : 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