vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 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: PA

Complaint narrative:
Mohela student loan provider is running an on going scam! They need to stop doing this to everyone. 

Just because the hierarchical federal government is {$36.00} XXXX dollars in debt, they don't need to take money off everyone who went to college to pay back their own irresponsible {$36.00} XXXX debt crisis they are in. 

T

hey are still charging interest on my loans when they are not suppose to be. I just switched into a new plan called the PAYE plan. I get 3 year grace period of no interest charge on my subsidized loans starting the day i enroll in PAYE plan. I uploaded screenshots showing they are adding interest on the subsidized loans as time goes on.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: UT

Complaint narrative:
I left my phone in XXXX and it was hacked and {$700.00} was removed from my account with my without my authorization I told him about regulation e stating that they should credit my account until they have to prove that they said that they didn't have to regulations I asked to speak with the manager and they said yes I called at least three or four times every day which never happened the manager never reached out to me and last night I got an email saying that they tried to call me and since since I didn't answer they just closed my case

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for inaccurate and duplicate credit reporting.

LVNV Funding has reported the same alleged debt multiple times on my credit report, and the entries reflect different balances. The accounts appear with inconsistent amounts, including approximately {$3800.00}, {$1300.00}, and {$840.00}, creating the appearance that I owe multiple debts or inconsistent amounts for what appears to be the same account.

This reporting is inaccurate and misleading and may constitute a violation of the Fair Credit Reporting Act ( FCRA ). The inconsistencies in balances have negatively impacted my credit profile and my ability to obtain financing.

I am formally disputing the accuracy of these accounts and requesting the following : 1. A full investigation into the multiple and inconsistent account entries.

2. Removal of any duplicate or inaccurately reported accounts.

3. Full validation of the alleged debt, including the original creditor, account statements, payment history, and proof of assignment to LVNV Funding. 
4. Correction or deletion of any account that can not be properly validated.

If LVNV Funding can not provide proper and consistent validation, I am requesting complete removal of the account from all credit reporting agencies.

This inaccurate reporting is causing financial harm and must be corrected immediately.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
As of XX/XX/year> a credit check was pulled from chase bank for the XXXX XXXX  of XXXX for a XXXX XXXX credit card. 
It stated that there would be NO CREDIT IMPACT to my credit score. But it did in fact shows on my report a hard inquiry of XXXX points that was taking off my credit report as of XXXX XXXX. 
Senior supervisor XXXX has sent me a email in which states the error on their part for false advertisement for the XXXX XXXX chase bank does effect your credit score. 
I had no knowledge that this would take effect on my credit score.So I'm sending in screenshots that states other wise and email from senior supervisor XXXX of XXXX. I need this to be reported to all 3 credit bureaus for the 3 points to be retroactive to my credit score. 
Thanks for reading

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I reached out to Bank of America because I had switched from the XXXX XXXXXXXX credit card ( now obsolete ) to the new XXXX credit card a few months ago. When I went in to get my statements with XXXX cc for 2025 to do my taxes ( rental expenses ), I found my account was not listed. I reached out to Bank of America and spoke to someone at the help desk that told me there was no way to provide these electronic documents. I escalated and spoke with XXXX and then escalated and spoke with XXXX and then escalated and spoke with XXXX. Through all of this, I am being told there is no way to provide access to these electronic documents. I have been told they are incapable of providing my own electronic documents to me electronically - I chose to go paperless so had no other way to look at these documents. Their solution is to mail paper statements to me, where I would have to hand enter all of the transactions and that will take several weeks to get to me.

So, ultimately, the bank asked me to go paperless and have all of my information online and then offers a new credit card within their own institution and then fails to give me access to that information from the old cc. They have no system in place to give me access to that information
and gave me no notification that access to that information will be removed. As a result, I am unable to properly use my personal transaction information to deduct rental expenses for my 2025 taxes.

Of note, I asked if these XXXX  statements could be sent to my email or could be attached to my currently open account and was told neither was possible. 

This will affect all clients who switched from the XXXX XXXX cc to the new XXXXXXXX cc.

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIRST NATIONAL BANK OF OMAHA
State: PA

Complaint narrative:
I am writing to formally dispute the accuracy of an account being reported under my name by First National Bank of Omaha. The account is currently showing a balance of {$2700.00} and is being reported as a charge-off on my credit reports.

I am requesting full validation of this account, as I have not received sufficient documentation to verify the accuracy of the reported balance or account history.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the following : A copy of the original signed credit agreement.

Complete account statements from the date the account was opened through the date of charge-off.

A full payment history.

An itemized breakdown showing how the current balance of {$2700.00} was calculated.

Documentation confirming your legal right to report or collect this debt.

If this account can not be properly validated, I am requesting that it be removed from all credit reporting agencies immediately.

If the account is verified, I am requesting correction of any inaccurate information and consideration for a reasonable settlement or goodwill adjustment that would result in the account being removed from my credit reports.

Please provide a written response within the time required by law.

Sincerely, 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 non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this complaint with complete certainty and extreme frustration. There are numerous errors on my credit report that I can no longer overlook. These inaccuracies have been negatively impacting my credit score, and as a result, they are severely hindering my ability to achieve financial freedom and stability. This situation is unacceptable, and I can no longer afford to have this erroneous information affecting my financial future.

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 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
To Whom It May Concern : I am submitting this statement in response to the attached final communication from Western Union regarding Reference # XXXX. I have attached screenshots of the most recent E -mail from Western Union on XX/XX/year> for your reference. 

This matter has been previously addressed but remains unresolved through multiple referenced CFPB-related customer service cases, including : Case # XXXX Case # XXXX Case # XXXX These prior cases document my repeated efforts to recover the funds owed to me by Western Union and the ongoing difficulties I have experienced XXXX 

Western Union maintains that an administrative deduction applied to my transaction is valid under its Terms and Conditions. I find this position unacceptable. 

For nearly nine years, I have made repeated attempts to retrieve my funds. During that time, I encountered multiple obstacles, including being provided incorrect or unusable XXXX information, inconsistent guidance, and prolonged delays in resolution. My inability to collect the funds was not due to neglect or abandonment, but rather ongoing procedural failures and misinformation from Western Union. 

The original amount in dispute is {$100.00}. Despite these repeated efforts to retrieve my funds, Western Union allowed the transaction to age and then applied administrative deductions totaling {$41.00}, reducing the amount owed to {$59.00}. Only after persistent follow-up did I receive notice of this partial refund issued on XX/XX/year>. I have not accepted this partial refund because I continue to dispute the improper {$41.00} administrative deduction. 

Western Union now asserts that the administrative deduction is automatically applied after one year and does not require additional notice. However, this position disregards : My documented attempts over several years to retrieve the funds The inaccurate XXXX  information previously provided to me The prolonged delays and lack of meaningful assistance The companys responsibility to provide clear and accurate retrieval information It is unreasonable to penalize a consumer for failing to collect funds when the companys own processes and errors materially contributed to the delay. 

I respectfully request a full review of this matter, including restoration of the improperly deducted {$41.00} and an examination of Western Unions notification and customer service practices related to aging transfers. 

This letter reflects my formal dispute of Western Unions final position. Thank you for your time and service! Have a good afternoon! 

Sincerely, XXXX XXXX Phone : XXXX E-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
After I provided all the required documents for the loan was approved for, Onemainfinancial changed the original terms and offered a much less amount with a different interest rate and required me to pay items that are currently in dispute. Classic " BAIT AND SWITCH. "

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I ordered tickets through XXXX XXXX through affirm I paid all the payments I have proof. Affirm sent me an email on XX/XX/XXXX saying I was paid in full as the date of the show got closer I hadnt received and email from XXXX XXXX confirming so I called to see how to recieve my tickets XXXX agent said the order was canceled by affirm and that it was refunded back to them that XXXX isnt responsible I also have a screenshot of this message so I tried a dispute with affirm then about a month later they sent an email saying it was denied that Im responsible for the loan even though the goods tied to the loan were never received so I appealed and they denied it again I just want my money back in the total of XXXX $ My loan id was XXXX this is a good not received complaint thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have no dates I did nothing wrong XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX Bank Of America XXXXXXXX XXXX  card began stopping letting me log into my account via mobile banking or online. I can not see my account or use it and there is a credit due to me as well as points I have accumulated. They say I have to go into a branch office of theirs stateside but I am not in the XXXX and wont be for a while and no longer have the phone number that they want to use to verify my identity. I receive their mail and it says to call them but when I call they wont help me because they can not send a text to that number and I wait hours to speak to someone who then refuses. They will not accept a voip number or my out of country cell phone number and have effectively locked me out of my own account and they called me once from the other complaint and said they would work on it and then never contacted me again and do not answer my emails to that point of contact. All this began in XXXX in the beginning of the month and still to this day has no resolution and you can see my other complaint that goes along with this one.

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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.

Complaint narrative:
I am filing this complaint regarding Citibank, N.A.s handling of my XXXX XXXX XXXX XXXX account, which was permanently closed following charge disputes, accompanied by the forfeiture of approximately {$1000.00} in earned rewards. 

Citibank alleges that I misrepresented the details on one or more disputes, yet has never identified which dispute ( s ) were allegedly misrepresented, what specific information was false, or provided any evidence supporting this conclusion. Despite repeated written requests, Citi has refused to provide factual specificity or documentation. 

XXXX own systems explicitly enable and encourage customers to dispute charges they believe may be incorrect, unauthorized, or unclear. A dispute, by definition, reflects uncertainty about a transaction at the time it is raised and exists precisely so the bank can investigate. Many of my disputes were reviewed by Citi and resolved in my favor, confirming they were legitimate and raised in good faith. 

Penalizing a customer for good-faith use of the dispute processwithout evidence of intent to deceivecreates a chilling effect on consumer rights and undermines the purpose of the dispute mechanism itself. Citi has relied solely on broad contractual language allowing account closure for any reason while avoiding transparency or proportionality in applying this severe penalty. 

The consequences imposed were disproportionate : permanent account closure without prior notice, no opportunity to respond, and forfeiture of earned rewards accumulated through legitimate spending. This occurred despite my long-standing, responsible account history and timely payments. 

I am requesting that Citibank : a ) Provide a clear, evidence-based explanation identifying the specific dispute ( s ) and alleged misrepresentation ; b ) Explain how it distinguishes good-faith disputes from intentional misrepresentation and how that standard was applied in my case ; c ) Review whether permanently closing my account and forfeiting earned rewards was proportionate ; d ) Restore my earned rewards or provide equivalent monetary compensation ; and e ) Confirm that no inaccurate or adverse information has been reported to credit bureaus.

Citibanks refusal to provide transparency or evidence raises serious concerns regarding fairness, accountability, and consumer protection.

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 2026-02-16 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: TX

Complaint narrative:
I am disputing the reported account because I believe my personal information may have been compromised in a data breach, resulting in inaccurate or unauthorized information appearing on my credit file. Due to this potential breach, I am requesting that you conduct a full investigation into how this account was verified and whether the party that furnished this information had a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to access or report my data.

Please provide the method of verification you used to confirm the accuracy of this account, including the name of the person you contacted, the date of the verification, and the specific records relied upon. If the furnisher can not demonstrate a legitimate permissible purpose or can not validate the account through proper documentation, it must be removed from my credit report pursuant to FCRA 611 and 604.

Until proper verification is completed, I request that this item be deleted and 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 2026-02-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the reported account because I believe my personal information may have been compromised in a data breach, resulting in inaccurate or unauthorized information appearing on my credit file. Due to this potential breach, I am requesting that you conduct a full investigation into how this account was verified and whether the party that furnished this information had a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to access or report my data.

Please provide the method of verification you used to confirm the accuracy of this account, including the name of the person you contacted, the date of the verification, and the specific records relied upon. If the furnisher can not demonstrate a legitimate permissible purpose or can not validate the account through proper documentation, it must be removed from my credit report pursuant to FCRA 611 and 604.

Until proper verification is completed, I request that this item be deleted and removed.

Company response to consumer: Closed with non-monetary relief