vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION
State: TX

Complaint narrative:
I am attaching my supporting documents which include my official letter to XXXX, SallieMae, and XXXX, explaining the discrepancies and inaccurate XXXX and XXXX past due reporting for XX/XX/2025, XX/XX/2025, and XX/XX/2025, which SallieMae representative explained to be that that pay status will never change despite their modification documents stating otherwise. Included in each packet are timeline of events and a payment ledger for reference. I was also told by the SallieMae workout specialist when I made the payment arrangements, which required me make my accounts XXXX days past due before they'd provide me with any assistance -- despite spending hours on the phone providing financial information detailing my hardship just to see if I qualified. I was denied assistance XXXX times, despite me attempting to pay what I could out of good faith. During this period, I experienced serious financial hardship, and had water damage in my primary residence, resulting in $ XXXX of out-of-pocket expenses needed to ensure habitability of my home. The inaccurate reporting of past dues has continued to cause me financial duress and burden. Because of SallieMae 's inaccurate reporting of the past dues, my credit score was severely impacted, and I was forced to take out loans with sub prime lenders with interest rates exceeding that of credit cards. Due to this inaccurate reporting by SallieMae, I have been denied time and time again creating even greater financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: ID

Complaint narrative:
I was initially unaware of the debt I only discovered the debt when I had a payment plan towards a tattoo removal and the hospital wrote the tattoo removal off and used my payment towards the debt in XXXX when I went to the hospital XX/XX/XXXX they informed me about the past debt and disclosed to me of the debt and said that it was sent to collection in XX/XX/XXXX. I was never contacted by the collection agency expect for once in XX/XX/XXXX. The hospital had also explained to me that my initial payment due was {$160.00} where it is now {$530.00} due to interest. On XX/XX/XXXX, I sent a certified debt validation request regarding a medical collection account. The collector has not responded with documentation verifying the debt. Despite this, the account continues to appear on my credit report with continued interest added. Under the Fair Debt Collection Practices Act, collection activity should cease until validation is provided. I am requesting verification of the debt or removal of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: CITIBANK, N.A.
State: CO

Complaint narrative:
I ordered a XXXX XXXX learning pad with buttons from XXXX last XXXX. The amount of the purchase was {$140.00}. They sent the wrong item and it was dropped off at XXXX just as they asked with the code for returns. I have that receipt and it made it back to XXXX but XXXX didn't refund me. I disputed this with citi multiple times- probably ten times- with zero help. I honestly think they use AI to process disputes as this was very cut and dry and nothing was ever resolved. XXXX is a horrible company, and I won't be using them anymore, but Citi should have my back when things like this happen. I am attaching the order details on XXXX site, the dispute and reverse by Citi, and a copy of the drop off code that can be tracked back to XXXX. They did receive it! Yet no refund was issued. I would like for Citi to give me a credit from their end as it seems clear that this dispute was not handled correctly per XXXX / XXXX regulations. I did everything I could to help Citi process this dispute but need the CFPB now to step in and hopefully, it will finally be resolved. The weight of the package to and fro is EXACT. I returned exactly what was sent to me. thank you

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 2026-03-05 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Last year I ordered some items for my home from XXXX XXXX. A few of the items in the order were incorrectly sent so XXXX XXXX set up a return for them. Unfortunately, XXXX XXXX didn't refund in full. I have tried endlessly to get them to help but it has been very difficult so i contacted Citi Bank for help and gave them all of the information. The information I provided proves that I returned everything, UPS tracking, weight matches and all of the correspondence with XXXX XXXX. Citi did not handle this dispute correctly and due to that, time ran out, and I was not refunded in full. It has recently come to my attention that Citi disputes are not done by Humans and I feel this could be a main reason they were missed. I called in multiple times too but never got anywhere. I am attaching all of the information. At this point, due to so much time gone by, I am asking for Citi to cover the lost money and put that back into my account. Thank you for your help in this matter. I wish I didn't have to file these complaints but I have literally stressed myself out trying to get Citi to help as they should. I am a XXXX person and while this might not be a lot of money to some, it definitely is to me I also am not able to shop in store at XXXX XXXX and have to rely on mail order.

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 2026-03-05 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: NJ

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Roadrunner Account Services, LLC
State: GA

Complaint narrative:
No resolution in case and no say so in deciding factors. Contacting measures from them became unbearable

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I disputed with this company because the information does not belong to me. I have never done business with this company. They havent sent anything to me and continue to report to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This complaint is related to my previous CFPB complaint # XXXX regarding fraudulent charges on my Bank of America credit card XXXX I am filing this new complaint because the issue remains unresolved and the bank did not provide the documentation necessary to support their denial of my fraud claim. XXXX fraudulent charges of {$5000.00} each from XXXX XXXX XXXX XXXX ( totaling {$10000.00} ) were posted to my account on XXXX XXXX XXXX I did not authorize these transactions, I do not know this merchant, and I have never conducted any business with this company. At the time these transactions occurred, I was traveling internationally and was unable to review my statements. I discovered the fraudulent charges only after returning to the United States and reviewing my statement, at which point I reported the fraud. Bank of America denied the claim stating that the card chip was used and that the dispute was filed after XXXX billing cycles. However, the bank has not provided any documentation proving that I authorized these transactions. I have not been provided with a signed receipt, invoice, PIN entry record, merchant documentation, or any evidence showing that I was physically present when these transactions occurred. Simply stating that a chip was used does not prove that I authorized the transaction. Credit card fraud involving stolen or cloned card data can still occur with chip transactions. I am requesting that Bank of America provide the actual documentation supporting their decision, including signed receipts, merchant invoices, transaction logs, or any authorization records proving that I personally conducted these transactions. If such documentation can not be produced, the charges should be removed from my account. These fraudulent charges total {$10000.00} and continue to negatively impact my finances. I respectfully request that the CFPB require Bank of America to reopen the investigation and provide the supporting evidence they claim exists.

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 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: MO

Complaint narrative:
Parent plus loan was not discharged and the institution is now closed. And my information was leaked in a data breach. Iowa, XXXX university was the institution that was closed.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am an existing Wells Fargo XXXX XXXX cardholder in good standing. On XXXX I applied for the Wells Fargo XXXX XXXX XXXX ( Application # XXXX ) and was denied, then denied again upon reconsideration. My qualifications at time of application : - XXXX XXXX XXXX : XXXX - Annual income reported on application : {$300000.00} ( subsequently confirmed as {$350000.00} during reconsideration call ) - Current Wells Fargo XXXX XXXX cardholder in good standing - No missed or late payments on any account with any lender The denial reasons cited were : XXXX. Ratio of credit bureau trades with a balance greater than XXXX XXXX. Number of revolving bankcards Neither of these reasons reflects actual credit risk given my profile. I am being penalized by an automated algorithm that can not evaluate context. Most critically : XXXX of the closed Wells Fargo accounts on my credit report was closed because Wells Fargo failed to protect my account from unauthorized charges. I was the victim of Wells Fargo 's own security failure. I closed that account to protect myself. I am now being penalized in a credit decision for Wells Fargo 's failure not mine. Furthermore, the XXXX XXXX XXXX is specifically designed by Wells Fargo to function as a companion card to the XXXX XXXX card. Together, these XXXX cards form Wells Fargo 's own recommended rewards ecosystem the XXXX card provides premium category bonuses and airline transfer partners, while the XXXX XXXX XXXX converts all everyday non-bonus spending into transferable points at XXXX. Wells Fargo is denying me the companion card to a product I already hold with them, effectively making their own product less valuable for me as a customer. I went through the standard reconsideration process and was denied a second time, again without meaningful human review of these facts. To summarize : Wells Fargo is denying a credit card application from an existing XXXX XXXX cardholder with an XXXX XXXX XXXX, {$350000.00} annual income, XXXX missed payments, and an active account in good standing while simultaneously penalizing that customer for closing a previous Wells Fargo account that was compromised due to Wells Fargo 's own security failure. Wells Fargo is also denying me the companion card that completes their own rewards product ecosystem.

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 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: CA

Complaint narrative:
Discover over disbursed my private student loan by thousands of dollars and then charged years of interest on funds I never used for tuition. My IRS XXXX XXXX XXXX shows my XXXX tuition totaled {$49000.00}, but Discover disbursed {$52000.00}. XXXX XXXX confirmed in writing that only {$930.00} remained as unused credit and refunded this amount to me in XX/XX/XXXX, which appears in my bank statement. XXXX CFPB response denied any over disbursement and refused to provide servicing records I requested, including disbursement history. Discover also claimed they mailed notices in XXXX, but I never received any, and my Dsicover online account was closed after payoff, preventing access to records. I emailed Discover and XXXX XXXX XXXX XXXX times with no substantive response. Attched is my XXXX XXXX refund confirmation in XXXX, XXXX XXXX refund processing in XXXX, XXXX XXXX statement showing refund amount of {$930.00} in XX/XX/XXXX, XXXX form for student tuition in XXXX and XXXX, IRS form XXXX of XXXX interest in XXXX to XXXX, my email sent to Discover, XXXX and XXXX to request record in XXXX, and Discover executifve office acknowledgement email in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
1 ) XX/XX/XXXX temporary freeze/needed identification to unfreeze XXXX business days 2 ) State ID card & SSI card documents handed in to XXXX specialist email on XX/XX/XXXX correspondence email from XXXX 3 ) received several emails that day looked as a scam/phishing thought they were scammers and said allot of irate things, come to find out it was the real XXXX support told them what occurred and apologized 4 ) XXXX on XX/XX/XXXX decided to close my account permanently due to prevention losses/ refunds, reversals, and chargebacks 5 ) I clearly gave bank, transfers, deposits, withdrawal statements/screenshots of my IRS refund on XX/XX/XXXX and winnings from XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 6 ) XXXX told me I might receive my money in 180 days 7 ) {$11000.00} is owed to me that was all my money that I clearly won with my refund on legal gambling and ripped away from me I just started paying off all my debt, bills, and wanting to buy a car 8 ) I'm on unemployment and have 3 wks left

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I ordered online fromXX/XX/XXXX I couldn't fit some of the items, so I returned them. I paid for these items through Affirm.XX/XX/XXXX since refunded {$64.00} on XX/XX/XXXX and {$61.00} XX/XX/XXXX. I opened a dispute. I have called multiple times and they keep confirming to me that they have not received the refund fromXX/XX/XXXX. XXXX confirms on the phone the issued the refund to Affirm. Affirm saying they haven't received funds is simply not true XX/XX/XXXXhas refunded the money. This is becoming a normal thing for Affirm to do. And every time you call you can speak to a different supervisor and they will all tell you different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I filed my federal tax return through XXXX and selected direct deposit into my established Credit Karma account. My account was temporarily frozen before the deposit, but the refund successfully posted. Shortly after the deposit, Credit Karma closed the account. The funds are now inaccessible. Customer support has stated the refund may either be mailed as a check or returned to the IRS, but I have not received clear information about the current status of my refund. I am requesting immediate clarification on the location of my funds and expedited release via check or verified transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/year>, I opened an American Express Gold XXXX XXXX after speaking with customer service about the best card options for maximizing my points-earning potential. Based on that conversation, I applied for and was approved for this card, which included an introductory offer of XXXX Membership Rewards points. I have since met the required spending threshold to qualify for the welcome bonus, but the bonus points have not posted. When I contacted customer service to inquire why the points had not yet been credited to my rewards account, I was informed that I do not qualify for the bonus due to account history. No further explanation was provided. I have now called twice for clarification, and unfortunately the representatives I spoke with were unable to explain what this determination means or why it applies to my account. This is particularly confusing and disappointing given that I have been an outstanding American Express customer for more than 20 years and have not previously held this card or any American Express business product.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Debt validation letter to get collection removed Below is a clean, readytosend XXXX XXXX XXXX you can mail to a debt collector to request proof of the debt and pause collection activity until they validate it. You can customize the placeholders before sending. ( Do not include this note within your letter. ) Your Name Your Address City, State ZIP Phone Number Date Collection Agency Name Agency Address City, State ZIP Subject : Request for Debt Validation To Whom It May Concern, I am contacting you regarding a debt you claim I owe. This letter is a formal request for validation of the alleged debt as provided under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX. Please provide the following : The name and address of the original creditor The full account number for the alleged debt A detailed breakdown of the amount you claim I owe, including interest, fees, and other charges Copies of any contract, agreement, or documentation bearing my signature that shows I am legally obligated to pay Proof that you are legally authorized to collect in my state Proof that you have the right to collect this specific debt

Company response to consumer: Closed with non-monetary relief