vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I took out private student loans through Sallie Mae starting in XXXX to attend the XXXX XXXX XXXX XXXX, a campus that the U.S. Department of Education has now formally found engaged in pervasive, substantial misrepresentations during the period of my enrollment. I submitted a federal Borrower Defense to Repayment application to the Department of Education based on those DOE findings on XXXX XXXX XXXX. My complaint against Navient covers two distinct issues. First, origination. Navient, as successor servicer to Sallie Mae, profited from servicing private loans extended to vulnerable students at a school that the federal government has now concluded engaged in systemic deception, during a period of multiple state and federal investigations into the parent company, XXXX XXXX XXXX ( XXXX ). Second, servicing and wrongful default. Navient placed me into default on loans I should not have been defaulted on. When I called Navient to ask why I had been defaulted, they were unable to provide an answer or substantiate the default. It was during the process of trying to resolve this wrongful default that I discovered that approximately {$10000.00} of my federal loans had been forgiven without prior notification, relief I had no knowledge of receiving until that point. The remaining federal balance was subsequently transferred to XXXX. The wrongful and unexplained default forced me to refinance my private student loan through XXXX. This lender specializes in defaulted private student loans, thereby compounding the financial harm caused by the original misrepresentations. Federal Borrower Defense does not cover the private loan portion of my debt, which I paid off in full despite the underlying education being fraudulent on the same grounds the DOE has formally accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TN

Complaint narrative:
SECURITY CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research SECURITY CREDIT 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 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I started the claim on XX/XX/XXXX. It was for six transactions totaling in {$750.00}. My ATM card and phone were stolen out of my car and the thief went to the casino and withdrew a total of {$750.00} from my card. my pin was saved inside of my phone and the letter I received in the mail from Wells Fargo saying why they denied my claim stated that my pin wasn't stolen. I called them to appeal their decision and they refused to do so.

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 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b'Subject: Failure to Properly Review Tender of Payment and Continued Foreclosure Activity\n\nI am submitting this complaint against Wells Fargo regarding its handling of a documented Tender of Payment package sent on XXXX XXXX XXXX in connection with the mortgage loan associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n\nOn XXXX XXXX XXXX I sent Wells Fargo a Tender of Payment package by USPS Priority Mail Express and Certified Mail concerning the alleged mortgage debt in the amount of XXXX. The package included:\n\n- Tender of Payment correspondence,\n- a promissory instrument,\n- notice of dispute,\n- and a demand for accounting and verification documentation. \n\nThe mailing included:\n\n- Certified Mail Tracking No. XXXX XXXX XXXX XXXX XXXX \n- XXXX XXXX XXXX XXXX US \n- Return Receipt No. XXXX XXXX XXXX XXXX XXXX XXXX\n\nDespite receiving this package, Wells Fargo continued foreclosure-related activity without:\n\n- providing a meaningful written rebuttal,\n- explaining how the tender was evaluated,\n- providing the requested accounting,\n- providing chain-of-title verification,\n- or explaining the basis for continuing foreclosure activity despite the documented dispute and tender correspondence.\n\nWells Fargo also never returned the tender documents or provided a formal explanation regarding whether the tender was accepted, rejected, reviewed, or escalated internally.\n\nThis raises serious concerns regarding:\n\n- Wells Fargos handling of disputed mortgage debt,\n- failure to adequately respond to written notices and disputes,\n- failure to provide requested account verification,\n- and continuation of foreclosure activity despite unresolved servicing disputes.\n\nThis complaint should also be reviewed together with my prior CFPB complaints involving disputed foreclosure procedures, accounting disputes, and contradictory foreclosure representations connected to this mortgage account.\n\nAttachment:\nExhibit A XXXX XXXX XXXX Tender of Payment Package and Mailing Records \n\n\nAdditional References CFPB Complaint No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFTC Report XXXX Case No. XXXX complaints XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I called USAA regarding my auto loan account # XXXX. A USAA representative reviewed the complete internal account history with me and confirmed the following from USAA 's own records : USAA sent title inquiry letters to both me and the selling dealer in XXXX and XX/XX/XXXX. On XX/XX/XXXX, USAA ran a XXXX inquiry and found no record. On XX/XX/XXXX, USAA received the vehicle title but the title contained XXXX XXXX, which does not match the VIN on my loan ( XXXX ). USAA never notified me of this mismatch and took no corrective action for approximately 2.5 years, continuing to collect {$1400.00} per month throughout. The representative acknowledged that USAA failed to verify the title VIN against the loan VIN, and that USAA 's handling of the account was deficient. I requested copies of the XXXX and XX/XX/XXXX letters, the mismatched title received XX/XX/XXXX, and the complete internal account notes. USAA did not provide any documents. I was told the call recording requires a subpoena to obtain. As of today, USAA 's own dashboard still shows : " We do not have your title with USAA 's lien on record. '' No corrective action has been taken in 41 months.

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 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WA

Complaint narrative:
I am submitting a formal dispute regarding the reinsertion and accuracy of this collection account. This account was previously removed from my credit report and has since been reinserted without prior notice to me. I did not receive any written notification explaining that the account would be re-reported or the basis for its reinsertion. I request full documentation of the reinsertion process, including the method of verification used and the certification provided to the credit reporting agencies. Additionally, I dispute the accuracy of the reported balance. The account has reported inconsistent amounts, including an initial incorrect balance, followed by an increased balance that now includes approximately {$780.00} in alleged court filing fees. The related court case was dismissed, and no judgment was ever entered against me. I have not been provided with any itemized breakdown of these fees, proof that they were actually incurred, or documentation showing I am legally responsible for them despite dismissal. Please provide : * The original reported balance history and explanation for any changes * An itemized breakdown of the {$780.00} in court filing fees * Copies of any court records, receipts, or filings supporting these charges * The court case number and proof these costs were actually assessed or awarded * Documentation showing I am legally responsible for these charges after dismissal * The method of verification used to reinsert this account after prior deletion Until proper verification is provided, I dispute the accuracy, completeness, and reinsertion of this account as currently reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: CO

Complaint narrative:
I received a check from Loan Care Servicing on XX/XX/year> for approved homeowner repairs totaling $ XXXX. The check is unusable : it was folded directly through the XXXX line ( magnetic ink character recognition numbers at the bottom ), rendering it impossible for any financial institution to process. This isn't wear-and-tearit 's evidence the check was stuffed into an envelope without basic quality control. I then got XXXX and wrinkled it up because this company keeps screwing with me and I'm tired of it. All I want to do is fix my house. How is it this hard to do a year and a half later from the fire damage XXXX XXXX XXXX XXXX this company I submitted a formal written request for a replacement check on It has now been 30 days. No replacement. No response. Nothing. This isn't a billing dispute or a processing delaythis is Loan Care Servicing holding onto my money while ignoring me. They've created a payment they know I can't access, then vanished.

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 2026-05-14 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: IL

Complaint narrative:
I am submitting this complaint regarding my Public Service Loan Forgiveness ( PSLF ) account, which appears to have reached the required 120 qualifying payments, yet my student loans have still not been updated or discharged. According to my PSLF tracking information, I have successfully met the 120 qualifying payment requirement under the PSLF program. Despite this, my account continues to show an outstanding balance, and the discharge has not been processed as of today. This delay is causing ongoing financial harm and uncertainty, including : Continued inaccurate reporting of outstanding student loan debt Negative impact on my debt-to-income ratio and financial profile Emotional distress and frustration due to the prolonged lack of resolution Potential interference with my ability to obtain financing and other financial opportunities I have fulfilled my obligations under the PSLF program and expect the Department of Education to process my forgiveness in a timely and accurate manner. I am requesting the following : Immediate review of my PSLF account Confirmation that my 120 qualifying payments have been properly counted Prompt discharge of all eligible remaining balances Updated reporting to all credit bureaus reflecting the discharged status Written confirmation of the status and timeline for resolution I also request an explanation for the delay in processing my PSLF discharge despite meeting the program requirements. Please investigate this matter and resolve it as soon as possible.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding the handling of a dispute through Cash App. I filed this dispute on XX/XX/XXXX after paying XXXX to reconnect my phone service. Despite payment, my phone remained in XXXX mode, calls dropped repeatedly, and I was unable to properly use the service for nearly a week. Because the service I paid for was not functioning correctly, I canceled my services with XXXX and disputed the transaction through Cash App. I was then informed the investigation could take up to 45 days. I have filed disputes through Cash App before that were resolved within days, so this lengthy delay without meaningful updates or provisional credit feels unreasonable. I am requesting that Cash App properly investigate this matter in a timely manner, provide updates regarding the status of the dispute, and issue reimbursement for services that were not usable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I first initiated a transfer of assets of an inherited IRA from my deceased mother back on XX/XX/year> with Wells Fargo. The amount of {$34000.00} comprised of cash. After approximately one month. I did this in-person at the XXXX, Texas branch with the Branch manager and a personal banker. I provided them with them with a completed " Distribution election by beneficiary of individual IRA owner. This document was sent to me by the Wells Fargo XXXX XXXX XXXX. I also provided the Branch Manager with a completed Transfer of Assets. This form had my new XXXX Inherited IRA account number. The instructions on the Wells Fargo and XXXX documents were filled out accurately by me and my advisor at XXXX ( in-person ) prior to my appointment at Wells Fargo XXXX The branch XXXX insisted on recreating the Wells Fargo form and not to use the one I generated. All of the documents were signed and notarized at the branch and they submitted them to the Wells Fargo XXXX XXXX Department. XX/XX/year> After not hearing anything or seeing any activity on my accounts, I called XXXX XXXX XXXX and was told that the very last digit was left off of the document Wells Fargo prepared in-lieu of the one I prepared. I asked why they didn't call me and was told that they " mailed me another form '' in which I would have to re-enter my SSN and have it notarized. I asked if they could email it to me and was told that could take as long as 2 weeks just to get the email sent. I requested the email be sent also. To date, I have never received the mail they said they had already sent, nor the email. XXXX XXXX I went back into my branch in XXXX Wells Fargo and the Branch Manager corrected the documents and resubmitted them. A few days later, Wells Fargo created an account in my name with the funds, but failed to transfer them into my XXXX XXXX IRA account. XX/XX/year> I decided to initiate the transfers from XXXX with the assistance of, XXXX XXXX, XXXX XXXX XXXX XXXX Personal Investing | XXXX XXXX, XXXX XXXX. Still, Wells Fargo has failed to transfer my money. I called their XXXX XXXX XXXX again and they state they have received nothing and they gave me the precise address to mail the transfer request to and their fax number. I forwarded this to XXXX XXXX at XXXX and he executed another transfer request on XX/XX/year>. Still, nothing had moved. XX/XX/year> I checked my Wells Fargo account balances and discovered my inherited IRA is gone. I didn't receive any email, no letter, no phone call. The {$34000.00} is not in my XXXX XXXX IRA account.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent 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
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
On XX/XX/year>, I discovered a new collection from EASTERN ACCOUNT SYSTEM, INC for {$170.00} on my XXXX credit report. This entry caused an immediate XXXX drop in my credit score. I have never received any written notice, phone call, or email from Eastern Account System regarding this debt. Under Regulation F ( 12 CFR 1006.34 ), debt collectors are required to provide a validation notice and a 30-day window for the consumer to dispute the debt before reporting it to a credit bureau . By failing to notify me, the company has engaged in " debt parking, '' which denied me my legal right to dispute the validity of this charge before it caused significant financial harm.Furthermore, I do not recognize this debt with the original creditor, XXXX. I have no record of an unpaid balance of {$170.00}. The collection agency appears to be reporting this without having my Social Security Number, which suggests a possible case of mistaken identity or a mixed credit file. I am requesting that this inaccurate and illegally reported item be completely removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XX/XX/year>, I was navigating the XXXX XXXX rewards interface. I encountered a " bundled '' raffle entry screen that was designed to redeem a high volume of points ( {$20.00} value ) automatically. The interface lacked a clear, individual selection process and, most critically, did not present a final " Confirm '' or " XXXX '' screen before the points were permanently deducted. I immediately contacted XXXX support ( Case ID # XXXX ) to report this unintended transaction caused by deceptive UI design, commonly known as a " Dark Pattern. '' Initial Action : I spoke with a support representative who admitted she did not have the authority to reverse the transaction but escalated the case to a manager named XXXX. XXXX XXXX : After the initial escalation, the company provided only generic, scripted responses that failed to address the lack of a confirmation screen. Escalation : I formally requested a management review and set a clear deadline for a resolution. The company has since ceased all communication and failed to meet the deadline. By defaulting to a high-value redemption without a secondary confirmation step, XXXX has XXXX in an Unfair and Deceptive XXXX or XXXX ( XXXX ). I am requesting a full reversal of the {$20.00} point redemption and a review of this interface to ensure other consumers are not tricked into unintended spending.

Company response to consumer: Closed with explanation