vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NE

Complaint narrative:
Hello, I work in public service and in XXXX of XXXX I made my 120th payment which would qualify me for loan forgiveness for the remainder of my loan. XXXX of XXXX I submitted ( via upload in my account ) employment certification. Included in this request was the request for forgiveness for the rest of my loans. XX/XX/XXXX, called to see why document that was uploaded was gone, was told document was lost, resubmitted the paperwork XX/XX/XXXX, received my " green ribbons '' which indicates that I indeed reached my 120th payments and no longer needed to make payments. Loans were to be discharged within 90 days. XX/XX/XXXX, called concerned why loans had not been discharged, told to wait XX/XX/XXXX, called concerned why loans had not been discharged, told to wait XX/XX/XXXX, also called XXXX as they are my servicer, was told they are waiting for discharge notice from feds Every month since phone calls made Submitted Feedback on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXeither case was closed without explanation or I was given information I already knew ( like I had reached 120 payments ) and told they would get back to me and they would not XXXX XXXXcalled and asked to be transferred to Ombudsmen, asked why and the person stated they understood why I was upset and would put in an immediate order for loans to be discharged no later than XX/XX/XXXX. XXXX XXXXCalled XXXX to see if they had received discharge notice, they had not XXXX XXXX Called Federal Student Aid again, person stated, maybe I forgot to check the box that I wanted my loans forgiven when I first hit 120 days ( this is not the first person to tell me this ). I have my old paperwork that showed I checked the box ; however, I submitted employment certification paperwork again with a request to forgive the loan I do not have confidence that submitting new paperwork will do anything.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 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 am submitting this complaint because there are collection accounts on my credit report that do not belong to me. I closely monitor my credit, and these accounts appeared without my knowledge or authorization. I have never approved or been involved with them, and it is frustrating and unacceptable to see inaccurate information reported under my name. This matter needs to be investigated and corrected immediately.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: TN

Complaint narrative:
I tried opening a account it's open but I have no access to it and this been years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
CFPB Complaint Auto Loan Validation & Inaccurate Credit Reporting I am filing this complaint against JPMCB AUTO it is furnishing auto loan information to the credit bureaus that I believe is inaccurate, incomplete, unverifiable, and not properly validated. Account # : XXXXXXXX XXXX XXXX XXXX XXXX I have requested documentation supporting the companys legal authority to continue reporting this account, including the original signed agreement, full payment history, complete billing ledger, charge-off or repossession records if applicable, balance calculation, Date of First Delinquency, and any documentation showing ownership or assignment of the account. The company has not provided sufficient validation to support the accuracy of the information being furnished. Under the Fair Credit Reporting Act, furnishers have a duty to report accurate information and may not furnish information they know or have reasonable cause to believe is inaccurate under 15 U.S.C. 1681s-2 ( a ). If a dispute is received through a credit bureau, the furnisher must conduct a proper investigation and report accurate results under 15 U.S.C. 1681s-2 ( b ). Credit reporting agencies are also required to conduct a reasonable reinvestigation of disputed information under 15 U.S.C. 1681i. I am also requesting a review of the XXXX XXXX reporting fields connected to this account, including account status, payment rating, payment history profile, current balance, past-due balance, Date of First Delinquency, date closed, charge-off date, repossession status if applicable, special comment codes, and compliance condition codes. Any inconsistent, incomplete, outdated, or contradictory reporting should be corrected or deleted. This inaccurate reporting is damaging my credit profile and affecting my ability to obtain fair credit terms, financing, housing, and other financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing and deeply concerning violations of federal consumer protection laws. After formally disputing these alleged debts and requesting proper validation, I was left frustrated and discouraged when the companies failed to provide any meaningful proof that I am legally responsible for these accounts. They did not produce basic, essential documents such as original agreements, records of ownership, complete account histories, or any clear evidence of their authority to collect. Despite my repeated efforts to resolve this matter, collection attempts and credit reporting activity appear to have continued without proper verification. This has caused significant stress and uncertainty, as I am being held accountable for debts that have not been substantiated. It is both alarming and unfair to face ongoing financial and reputational harm without clear and lawful justification. These actions raise serious concerns about potential violations of the Fair Debt Collection Practices Act, including the failure to properly validate debts and the use of misleading or unfair collection practices. Additionally, there appear to be violations of the Fair Credit Reporting Act, particularly regarding the accuracy of reported information and the obligation to conduct a reasonable investigation. Overall, the pattern of behavior suggests that these companies may be attempting to collect on unverified debts while reporting potentially inaccurate information. This situation has not only undermined my confidence in the fairness of the system but has also placed an unnecessary emotional and financial burden on me, pointing to what may be broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: FL

Complaint narrative:
to whom it may concern my lawer has advise me to file this report and a ftc report and police report regarding the two accounts and inquires on my credit report. i have no knowledge about. these two accounts are damaging my credit and are not mines at all. thank you, sincierly.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: MA

Complaint narrative:
COMPANY : Wise US Inc . PRODUCT : Money transfer, virtual currency, or money service ISSUE : Problem with a money transfer DESCRIPTION OF COMPLAINT : On XX/XX/year>, I used my Wise debit card to withdraw XXXX ( XXXX ) from an ATM located at XXXX XXXX XXXX XXXX, XXXX ( Transaction ID : XXXX ). The money was debited from my Wise account, but the ATM did not dispense any cash. I received nothing. I immediately reported this to Wise. Wise opened a dispute and initially provided me with provisional credit. However, Wise subsequently accepted an ATM audit log from the machine operator as sufficient evidence that the cash was dispensed, closed my dispute, and clawed back my provisional credit. The ATM audit log Wise relied on contains the notation 'XXXX ( XXXX ) " meaning two notes were rejected during the dispense cycle which is direct evidence of a mechanical malfunction. Additionally, the 'BILLS TAKEN ' sensor event in the log does not constitute proof that I physically received cash ; ATM sensors can trigger even when bills are retracted by the machine. Most critically, Wise closed my case WITHOUT requesting or obtaining the ATM 's security camera footage, which would be the definitive evidence of whether cash was dispensed to me. This represents a failure to conduct a proper investigation. I have formally escalated within Wise and requested they obtain security footage and reconsider. I am filing this CFPB complaint because Wise has so far refused to reverse their decision and restore my $ XXXX USD loss. I am requesting the CFPB require Wise to : ( 1 ) fully investigate by obtaining ATM security footage, ( 2 ) reverse the provisional credit clawback, and ( 3 ) reimburse my XXXX loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Radius Global Solutions. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Radius Global Solutions owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under XXXX U.S.C. XXXX ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Radius Global Solutions to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: LA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing and deeply troubling violations of federal consumer protection laws. After formally disputing these alleged debts and repeatedly requesting proper validation, I was never provided with meaningful proof that I am legally responsible for them. Critical documentssuch as original agreements, account histories, proof of ownership, or any clear evidence of their authority to collectwere never produced. Instead, I was left with vague responses and no real accountability. Despite this lack of verification, collection efforts and credit reporting appear to have continued. This is extremely concerning. It feels unjust and overwhelming to have my credit and financial standing impacted by debts that have not been properly substantiated. These actions raise serious concerns about violations of both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, particularly regarding the failure to validate debts and the reporting of potentially inaccurate information. Overall, this situation reflects what seems to be a pattern of attempting to collect on unverified debts while disregarding the legal protections designed to ensure fairness and accuracy. This has caused significant stress and has left me questioning the integrity of these agencies practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The records tied to my financial account demonstrate documentation problems and reporting irregularities that weaken their integrity, and I kindly request amendment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 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: IL

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am submitting a complaint regarding a XXXX XXXX ( XXXX ) transfer that was rejected by the receiving institution but has not been returned to my account. On XX/XX/year> I initiated an XXXX transfer from my Bank of America account to my brokerage account at tastytrade. The receiving institution ( tastytrade ) has confirmed that the payment was rejected. Despite this, the funds have not been returned to my Bank of America account after more than XXXX hours, which is inconsistent with XXXX XXXX XXXX, where rejected payments should be promptly returned. Bank XXXX XXXX system shows the transaction as completed, but no return has been posted. I have contacted customer service multiple times and have been repeatedly transferred between departments without resolution. This appears to be an XXXX exception / return posting failure, and the funds may be held in an internal suspense or reconciliation account. I am requesting that Bank of America : Perform an XXXX XXXX on the transaction Confirm the accept/reject status from the receiving institution Expedite the return posting of the rejected funds to my account This is not an unauthorized transaction or fraud issue. It is a failed XXXX settlement that requires operational resolution. I request prompt resolution and confirmation of the return of 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 monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XX/XX/year> I was charged XXXX in interest on a balance of XXXX dollars I paid XXXX dollars to pay the card off and they charge me interest anyway I went to the website and did what it told me to do and they coudnt help me. the company is CARECREDIT / SYNCHRONY BANK stay way from this scam of a 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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I received no warning and my account was ultimately closed. I naturally reached out to get clarity. I was told my account was closed due to violating the terms of the account. I was given the opportunity to dispute this and was told I'd get a determination email followed by an explanation. This never happened. I have reached out to Cash App support on three different occasions and still no clarity on why this happened. All I do is send money to my daughters and friends. Inadvertently, my daughter has been impacted by this as well. I am looking for closure as this makes no sense to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Funds were sent to me by my client and after a few weeks, they decided to freeze the funds for no reasonable reason. They have said they were closing the account since XX/XX/XXXX. They have pushed the date back at least XXXX times. This is causing lots of issues with my client and my business. It seems Bank of America has ethical issues by holding/stealing funds that don't belong to them.

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 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding my mortgage loan serviced by Selene Finance LP and the handling of my loss mitigation efforts and payment attempts. I fell behind on my mortgage due to a temporary financial hardship. However, my hardship has since been fully resolved, and I informed Selene Finance XXXX XXXX that I am now financially able to resume full monthly mortgage payments of approximately {$4200.00} per month. Despite my willingness and ability to pay, Selene Finance repeatedly declined or refused payments while my loss mitigation application was under review. During this process, my delinquency continued to increase. I submitted a complete loss mitigation application and later filed an appeal after my initial denial. The appeal was denied on the basis that my hardship had not been resolved, even though my application specifically stated that my hardship was resolved and that I was able to resume regular payments. I attempted in good faith to work with the servicer to avoid foreclosure and requested available options such as a repayment plan, reinstatement, or other foreclosure avoidance solutions. Instead, my payments were declined, my appeal was denied, and I have now been served with a foreclosure lawsuit in XXXX XXXX, Florida. I am requesting that Selene Finance : Conduct an immediate executive-level review of my account ; Provide a repayment plan, reinstatement option, or other reasonable foreclosure alternative ; Review whether payments were improperly declined during the loss mitigation process ; Pause foreclosure activity while this matter is under review. I remain willing and able to resume full monthly mortgage payments immediately and would like a fair opportunity to bring my loan current and keep my home. Thank you for your assistance.

Company response to consumer: Closed with explanation