vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
US Dept of Education is fasely trying to collect {$16000.00} with an original disbursement date of XX/XX/year> when I wasnt even in school at that time. I attended XXXX XXXX from XXXX and any debt from that time should automatically be removed and a refund issued. I have already complained about this and its been over 3 months and Mohela has yet to get back to me. Please escalate and Please update my account to show a XXXX XXXX  and issue me a full refund.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a response back from Central Portfolio Control not addressing my issue. The response included account history and documents from the original creditor. However, the information provided does not resolve the concerns raised in my dispute. 

First, while the documents show that the account once existed, they do not show that they ( Central Portfolio Control ) have the legal right to collect or report this account. They did not provide a bill of sale, purchase agreement, or any document showing that this specific account was transferred to them or that they have authority to report it in their own name. Without proof of ownership or a complete chain of title, the validation remains incomplete. 

Second, and most importantly, their response did not address the XXXX XXXX of this debt. Their records show that the account was opened on XX/XX/XXXX. My XXXX XXXX XXXX was XXXX on XX/XX/XXXX. Because this debt existed before my XXXX, it was legally XXXX. The charge-off date they referenced did not change the fact that the debt was XXXX and is no longer legally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint regarding a billing dispute on my PayPal Credit account, which is serviced by Synchrony Bank. My dispute has been mishandled and incorrectly classified, resulting in an improper denial. 

This transaction involved a purchase from XXXX XXXX. XXXX XXXX initially shipped the wrong item, which constitutes a billing error under the Fair Credit Billing Act. I did receive a package, but it was not the item I ordered, and this is where the dispute has been repeatedly misunderstood. 

After contacting XXXX XXXX, they acknowledged the error, accepted the return of the incorrect item, and confirmed that a refund would be issued once the item was sent back. I returned the incorrect item as instructed. Despite this, the promised refund was never issued. 

When I disputed the charge through PayPal Credit, the dispute was incorrectly handled as if I were claiming that I did not receive a package at all. That is not my claim. My claim has always been that the merchant sent incorrect merchandise, accepted the return, and failed to issue the refund. 

Because the dispute was misclassified, the review did not properly evaluate the merchants failure to provide the correct item or issue a refund after accepting the return. I have documentation showing XXXX XXXX acknowledged the mistake and agreed to refund me, yet the charge remains on my account. 

I am requesting that Synchrony Bank reopen and properly review this dispute under the correct billing error category for wrong merchandise and failure to issue a promised refund. I am also requesting that PayPal Credit coordinate appropriately to ensure the dispute is evaluated based on the actual facts and evidence. 

I have supporting documentation available, including communications confirming XXXX XXXX  acknowledgment of the error, acceptance of the return, and promise of a refund that was never fulfilled. 

My paypal account : 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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: KS

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and debt collection practices by Transworld Systems. 

Transworld Systems is furnishing a collection account on my consumer credit reports without providing adequate documentation to substantiate the alleged debt. This includes the absence of the original creditor agreement, itemized billing, or evidence demonstrating that the amount being reported is accurate. 

As a debt collector that furnishes information to consumer reporting agencies, Transworld Systems is required to ensure the accuracy and completeness of the information it reports. Under the Fair Credit Reporting Act, furnishers may not report information they know or have reasonable cause to believe is inaccurate ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Additionally, once a dispute exists, furnishers are required to conduct a reasonable investigation and correct or delete information that can not be verified ( 15 U.S.C. 1681s-2 ( b ) ).

The continued reporting of this account without competent verification raises concerns that Transworld Systems has failed to conduct a reasonable investigation or ensure the accuracy of the information being furnished. 

I am requesting that Transworld Systems conduct a full compliance review and either provide proper documentation substantiating the debt or remove the account from my consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: WA

Complaint narrative:
They are charging me for interest and late payment when I asked for a break they would not and they charged double

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 2025-12-30 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: IL

Complaint narrative:
On XXXX XXXX I received an award letter from XXXX ( XXXX XXXX XXXX XXXX ). I was granted {$6500.00} for the XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I began contacting Mohela and XXXX in XXXXXXXX XXXX XXXX  when the funds were not applied to my account. After communication with XXXX, I learned that the funds were paid out on XX/XX/year>. After many failed attempts to resolve this issue with Mohela, I began to communicate with XXXX in hopes to locate the award. Recently, XX/XX/year> I spoke with XXXX again and was told that the roster was paid on XX/XX/year>. MOHELA has not reflected the award amount in my account. Communication regarding this matter should be sent to myself, XXXX and XXXX. 
I have the award letter. For some reason I am unable to upload it here. Will provide upon request.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
bank of america in XXXX close my account with balance and never told me why and dont give me more info just told me that and will not open another till 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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: MD

Complaint narrative:
The car was being serviced at a mechanic from a car accident and they would not release my car. I would like for the vehicle to be removed my credit. I also did not receive any letters regarding this action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I call the company and they told me im not in risk to repossess and they take my car today

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: KS

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and debt collection practices by Southwest Credit Systems. 

Southwest Credit Systems is furnishing a collection account on my consumer credit reports without providing adequate documentation to substantiate the alleged debt, including the original creditor agreement, itemized billing, or evidence that the amount being reported is accurate. 

As a debt collector furnishing information to consumer reporting agencies, Southwest Credit Systems is required to ensure the accuracy and completeness of the information it reports. Under the Fair Credit Reporting Act, furnishers must not report information they know or have reasonable cause to believe is inaccurate ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). Additionally, once a dispute exists, furnishers must conduct a reasonable investigation and correct or delete information that can not be verified ( 15 U.S.C. 1681s-2 ( b ) ). 

The continued reporting of this account without competent verification raises concerns that Southwest Credit Systems has failed to conduct a reasonable investigation or ensure the accuracy of the information being furnished. 

I am requesting that Southwest Credit Systems conduct a full compliance review and either provide proper documentation substantiating the debt or remove the account from my consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Al XXXX Date XXXX Dispute of Obsolete and Inaccurate Federal Student Loan Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and obsolete information currently appearing on my credit report regarding a federal student loan account. 

Creditor/Servicer Name : DEPT OF ED/AIDVANTAGE Account Number : XXXX This federal student loan is over ten ( 10 ) years old and contains negative credit reporting that occurred during and after the COVID-19 pandemic. Under the CARES Act and subsequent Department of Education guidance, federal student loans were placed into administrative forbearance beginning XX/XX/year>, during which time no negative credit reporting was permitted. 

Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), negative or adverse information that is obsoletemust be removed from consumer credit reports. The continued reporting of this account is inaccurate, misleading, and no longer legally reportable. 

Because this account is : Obsolete due to age Improperly reported during a federally protected COVID forbearance period Causing ongoing harm to my credit profile I am requesting that this account be deleted immediately from my credit report or corrected to reflect accurate, non-negative information. 

Please complete your investigation and provide written confirmation of the deletion or correction. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: AK

Complaint narrative:
I was first contacted by IQ data international by mail in about XXXXXXXX XXXX XXXX regarding an alleged debt to XXXX XXXXXXXX XXXX XXXX where i had lived from XXXX. I had not received any invoice or bill from XXXXXXXX XXXX nor missed any phone calls or gotten any emails from them nor messages to my portal. In my state, Alaska, they are required to make attempts to contact within 30 days. They did not because at least a portion of their charges were invalid. 
I disputed the debt and requested an itemized invoice of the original charges to prove they were valid or not. Instead I was sent an overall charge and a partial copy of my lease agreement. I also requested communication be in writing only. I finally gave up because of their practices not respecting my rights and asked them to stop contacting me. 
IQ data international has since those first calls, Repeatedly called me very early in the morning, before XXXX Used multiple different spoofed numbers to call Acted as though the invalid debt was actually valid Made repeated very frequent multiple times a week calls of and on after I requested they stop and only communicate with me and writing Refused to provide an itemized invoice that would show the debt valid or invalid. 
And, recently, refused to identify themselves until after I had requested they identify themselves three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
Company Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Complaint Details : I am filing this complaint because XXXX XXXX has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
On [ insert date ], I sent a written notice invoking 15 U.S.C. 1692c ( c ) requesting that XXXX XXXX cease all communication with me regarding the above-referenced account. In the same letter, I disputed the validity of the debt and requested full validation pursuant to 15 U.S.C. 1692g. 
Despite this, XXXX XXXX has : Failed to provide proper validation of the debt. 
Continued reporting this account to credit bureaus without verifying its accuracy. 
Ignored my cease-and-desist request and/or continued unlawful communication. 

These actions violate both FDCPA and FCRA. I am requesting that the CFPB require XXXX XXXX to : Provide full validation of the alleged debt, including original creditor details and supporting documentation. 
Remove any inaccurate or unverifiable information from all credit reporting agencies. 
Cease all further communication except as permitted by law. 

Supporting Documents Attached : Copy of my cease-and-desist and dispute letter. 
Proof of delivery ( certified mail receipt ). 
Any responses received ( or lack thereof ).

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 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: WA

Complaint narrative:
I am filing this complaint regarding inaccurate and harmful eviction and debt reporting by my former apartment complex XXXXXXXX XXXX XXXXXXXX and its collection agency RENT RECOVERY. 
An eviction case was filed against me in XXXX XXXX, XXXX  XXXX XXXX ; however, during court proceedings, the judge acknowledged that the residence had already been vacated prior to any eviction judgment. No judgment for possession was entered against me. 
Despite this, the apartment complex continues to report an alleged debt and eviction-related information to third parties, including debt collectors and tenant screening agencies. I have sent multiple certified letters requesting validation, investigation, and correction of this information, but I have received no response from the apartment, property management company, or the collection agency. I have made multiple attempts via phone call and email as well as go into their office and Im just getting the run around and being advised a manager will contact me its been XXXX and I have yet to hear from property manager regarding matter. I spoke to XXXX from Rent recovery who advised they submitted request to apartment on XX/XX/XXXX to reinvestigate debt and they still have yet to hear from property staff at XXXX. Im very distraught and stressed because of this I have been dealing with some serious decline in my health since all this and have lost a couple family members this isn't how I want my life to be and had I known better I would have never rented from these people their track record is not good not ok I have attachments please view.

Their failure to investigate, validate, or correct this information violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This inaccurate reporting has caused significant harm, including denial of rental housing opportunities.

I am requesting that the CFPB require the company to properly investigate this matter, cease inaccurate reporting, and correct or remove any eviction or debt information that can not be lawfully verified.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX ; XXXX XXXX visas credited card allowed unauthorized charged to my account without my permission for XXXX to XXXXXXXX XXXX XXXXXXXX for breach of contract over charged for more than XXXX for incomplete sun rooms flat roof as promised on XXXX XXXX, as final payment already paid to XXXX XXXX XXXX XXXX XXXX, on XXXX XXXX I did called in XXXX visas credit card customer service requested for closing account and stopped any further payment to XXXX XXXX XXXXXXXX because they already paid XXXX on XXXX XXXX but XXXX visas credited card still making payment to XXXXXXXX XXXX XXXXXXXX without informing me or calling me without my consent or approval, I am requesting for fully refund back to my XXXX XXXX credit card immediately for fully amount XXXX plus interest and late fee charged immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
Issue : Failure to Return Full Account Balance After Account Closure Citibank closed my account and failed to return the full balance that remained on deposit at the time of closure. 

Immediately prior to the account closure, my Citibank accounts reflected available balances totaling {$5800.00}. This amount consisted of approximately {$670.00} in one checking account, {$810.00} in a second checking account, and {$4300.00} in a Citi savings account. {$100.00} in brokerage account. These funds were available and on deposit when Citibank decided to close the account relationship. 

After closing my account, Citibank issued me a single check in the amount of {$2000.00}. Citibank did not return the remaining {$3800.00} and did not provide any written explanation, final statement, or accounting showing why these funds were withheld, retained, or offset. 

I did not authorize Citibank to retain any portion of my funds. I have not received documentation identifying any lawful basis for withholding the remaining balance, such as fees, chargebacks, holds, debts, or offsets. Despite the closure of the account, Citibank has not remitted the full amount owed to me. 

I am requesting that Citibank be required to : 1. Provide a complete and accurate final accounting of all balances at the time of account closure ; 2. Identify the legal and contractual basis for issuing only a {$2000.00} check ; 3. Immediately return the remaining {$3800.00} that was not remitted to me.

Citibanks failure to return the full balance upon closure, or to provide a clear accounting, constitutes improper handling of consumer funds and warrants regulatory review.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
OK let me give you some background I had cash app before XXXX they lie and say that my cards are linked to multiple accounts when theyre not! I removed my card. Did everything that I was supposed to so I can be able to add my car back at any time I needed to they just say that they can scam people! so now on to XX/XX/XXXX Im going to a food emergency so I decided to download Cash app again so my mother can help me with food I waited the maximum four days for my withdrawl it was supposed to be in my account today XX/XX/XXXX I have spoken to the same advocate for over 3 days cause their bot couldnt help me figure out why my account was making it so hard for me to get {$20.00} they say its because you need a link card for an instant withdrawal and bank take longer cool but now i feel like the advocate that had access to my information has just scammed me out of my money and theyre probably not a real person! and not advocate or an actual employee from Cash app again now Im in the hospital due to dehydration and lack of food because i waited so long for {$20.00} to eat and the only thing that this person can tell me is I can see how important this is and I totally get how frustrating it can be i really needed that money! It wasnt theirs to take! The information that they either gave me was not accurate not the information that i asked for or i was lied to ( again theyre saying the reason why i couldnt link my bankcard its because the same card that I still currently have mind you is linked to multiple accounts when I only have one when I told them I deleted that information they gave me a list of excuses on why I couldnt link my card and get instant because i had a feeling something like this was going to happen I dont want it to protect myself and have that money given to me instantly ) and then when Im asking XXXX ( again this is out of frustration with not so colorful vocabulary ) why now Im waiting an extra day for just XXXX $ he cant seem to find a good reason so also again I feel like this person is not an actual advocate nor is this person the actual worker with cashapp

Company response to consumer: Closed with explanation