vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/year>, I called MOHELA at XXXX seeking help with lowering my monthly student loan payments. Following the automated phone menu, I pressed option XXXX for debt consolidation / lower payment options. I was then transferred by the MOHELA system to a third-party company called XXXX XXXX XXXX ( academic-sc.org ). The representative from XXXX XXXX XXXX informed me that they could help me apply for an Income-Contingent Repayment ( ICR ) plan. They stated I would need to pay a total of {$1300.00}, to be divided into monthly payments. Once the payments were completed, they would prepare and file the XXXX application on my behalf. On XX/XX/year>, I called MOHELA again to follow up. The representative I spoke with stated there was no record of my previous call on XX/XX/XXXX, and no notes indicating that MOHELA had referred or transferred me to any third-party company for assistance with repayment options. Through my own research, I have discovered that multiple other borrowers have experienced the same issue with MOHELA being transferred or referred to third-party companies for services that MOHELA and the XXXX XXXX XXXX provide for free. I believe MOHELA improperly referred me to a for-profit company for services I should have received directly from my loan servicer at no cost. I have since canceled my agreement with XXXX XXXX XXXX and am requesting that this matter be investigated.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was denied a loan and one of the credit bureaus the lender used was XXXX XXXX XXXX XXXX publishes an address in XXXX, XXXX that is non working. There is no way to contact the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable account closure and fraud-related reporting connected to multiple bank accounts reported to Early Warning Services ( EWS ). Several accounts were abruptly closed and reported using damaging classifications including Checking Account Fraud, Account Abuse, and Closed For Cause, despite the fact that I dispute engaging in fraudulent conduct or intentionally misusing these accounts. The reporting contains inconsistencies, incomplete transaction information, and multiple accounts marked as purged, which raises serious concerns regarding the ability to fully verify the reported information. Certain balances and transaction histories do not reconcile properly, and the reporting appears to rely on automated fraud coding rather than verified evidence directly tying disputed activity to me. I formally disputed the reporting with Early Warning Services and requested deletion or correction of inaccurate and unverifiable information pursuant to the Fair Credit Reporting Act. The inaccurate reporting is severely impacting my ability to access banking services and open financial accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for failure to provide adequate debt validation and for continued inaccurate credit reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). Account Details : XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ( account ending XXXX ) Reported Balance : {$680.00} Charge-Off Date : XX/XX/year> Chain of Title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Currently reporting oXXXX XXXX Experian and TransUnion I disputed this account with Experian, TransUnion, and directly with XXXX XXXX XXXX XXXX formally requesting proper debt validation including : ( XXXX ) the original signed cardholder agreement bearing my signature, ( XXXX ) a complete and documented chain of title specifically a Bill of Sale for each transfer of this debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ) an affidavit of sale or legal assignment proving XXXX holds enforceable legal title. Significantly, two other collection accounts previously reported on my credit file were recently deleted by the credit bureaus after the furnishers failed to provide adequate documentation during the dispute process. This establishes a clear pattern : when furnishers are required to produce proper verification documents, they can not do so. XXXX is engaging in the same conduct continuing to report a debt they can not legally verify or document. In response to my disputes, XXXX provided only old billing statements from the original creditor. XXXX has repeatedly refused to provide any of the following : The original signed cardholder agreement bearing my signature A Bill of Sale from XXXX XXXXXXXX XXXX to XXXX XXXX XXXX. A Bill of Sale from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX affidavit of sale, assignment, or legal transfer document Proof that XXXX is licensed to collect debts in the state of Florida A billing statement is not adequate debt validation under FDCPA 1692g. It does not prove that XXXX legally owns this debt or has the right to collect or report it. This debt passed through at least three separate entities XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX and XXXX has provided XXXX documentation proving those transfers were legally valid. Despite failing to provide proper validation, XXXX continues to report this account negatively on both my Experian and TransUnion credit reports, causing ongoing and measurable harm to my creditworthiness, affecting my ability to obtain credit, housing, and favorable interest rates.

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 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Subject : Altered Check Fraud Improper Denial of Reimbursement by Wells Fargo Complaint : I am a small business owner with Wells Fargo. I am filing this complaint because Wells Fargo improperly denied reimbursement for an altered check in the amount of {$5100.00}, despite my reporting the fraud immediately upon discovery. Here is the timeline : XX/XX/year> I issued a legitimate check to my vendor, XXXX, mailed to their XXXX XXXX XXXX XXXX. XX/XX/year> The check was fraudulently altered and cashed by an unknown individual. The payee name was changed to XXXX XXXX XXXX, and the address was altered to a California address. XX/XX/year> My vendor notified me that the invoice was unpaid. I immediately checked my Wells Fargo account, saw the altered check image, and reported the fraud to Wells Fargo the same day. XX/XX/year> Wells Fargo denied my claim, stating too much time had passed before you contacted us, even though I reported the fraud the same day I discovered it. Since then, Wells Fargo has not responded to my follow up request for review. This denial is inconsistent with UCC 4 406, which requires customers to report fraud promptly after discovery, not before. I had no way to know the check was altered until my vendor contacted me. I acted immediately and reasonably. I am requesting : 1. Full reimbursement of {$5100.00} 2. A proper investigation into the altered check 3. Confirmation that Wells Fargo followed required procedures in handling altered item claims Thank you for your assistance. XXXX XXXX XXXX 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 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XX/XX/XXXX : agreed with XXXX XXXX ( XXXX ) to purchase $ XXXX furniture, including terms to get 10 % cash back if I open Capitol One ( C1 ) card. Submitted Capitol one application. approved by Capitol One for $ XXXX. XX/XX/XXXX : Submitted verbal request to C1 via phone for increase to $ XXXX, to enable original net cost agreement with XXXX. C1 requested specifics docs. XX/XX/XXXX : provided C1 all requested docs. XX/XX/XXXX. C1 email declined my request stating unable to verify income. Per their request, I submitted all requested docs. I receive additional income outside of those docs. The docs provided, along with my credit score should enable approval. If they need more income verification, they should request more docs. If they want to process request on, y with verified income, they should do that. Declining based on their own process gaps, and not providing specific reasons is discriminatory. XX/XX/XXXX : called C1 asking for specifics. Escalated to XXXX, who provided inaccurate information, then hung up when I asked for her name and specifics XX/XX/XXXX : called C1 again, offering another chance to provide specifics, telling them if they declined to provide specifics, I would go to CFPB. Agent declined my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: WV

Complaint narrative:
I was charged incorrectly for two XXXX transactions. One was supposed to be a {$1.00} trial that should have canceled, but instead I was charged more than the agreed amount. The second charge was for XXXX XXXX, which was also a trial that was supposed to cancel. I could not use XXXX XXXX at all, and I told both XXXX and Chime that I could not access the service. These are Regulation XXXX billing errors, including incorrect amount, incorrect number of transactions, and services not provided. I contacted XXXX first to request a refund and to ask why the {$1.00} trial and the XXXX XXXX trial did not cancel as they were supposed to. I also asked why I was charged full amounts for services I could not use. I did not receive a refund or a clear explanation. I then disputed the transactions with Chime. I submitted evidence showing I could not access XXXX XXXX and that the trial charges were incorrect. Chime denied my dispute with a generic no error occurred message and did not address any of the evidence I provided. I requested information from Chime, including a Regulation E explanation, a supervisorlevel review, and escalation to the issuing bank. Chime refused to escalate my case, did not provide the required RegE disclosures, and repeatedly directed me to phone support instead of providing written responses. I am requesting a full Regulation E reinvestigation by the issuing bank, a written explanation citing the specific RegE reason for denial, and reimbursement for the charges since the trials were supposed to cancel, the billing was incorrect, and the services were not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
Our request for a home modification was approved at a higher interest rate ( from 5.5 % to 7.5 % ) with 6-months of trial payments. The trial payments are 40 % of our gross monthly income. The mortgage servicing company, XXXX XXXX refused to work with my husband XXXX XXXX, our legal attorney, or with our HUD mortgage counselor. We received the mortgage modification package via regular mail on XXXX XX/XX/year>. The agreement was dated XX/XX/year> it required us to inform them whether or not we agreed with their terms or submit our first trial payment by XXXX XX/XX/year> ( in four days ). We were able to get our HUD Counselor to speak with a representative at XXXX to work out a lower trial payment at 30 % of our gross monthly income since they increased the interest rate by XXXX points. Our HUD counselor was unable to negotiate a resolution with XXXX. He advised us to agree to the terms right then and there while he was on the phone with them, or sell/liquidate the house, or face the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/year>, my friend XXXX XXXX and my self XXXX XXXX we both went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. My friend helped me translate whenever the manager spoke, since I don't speak fluent English. XXXX XXXX XXXX XXXX us that we had to apply for credit if we wanted to finance the bed XXXX and I gave her my correct information. and she told me that XXXX was approved for {$4.00} with 0 % interest. I asked her iust to confirm is i was not going to pay interest rate and she said it would be 0 % interest as long as Imade my minimum payment every month. We even asked her for the third time ans he confirmed. Than we asked her what would happen if we paid more each month and she said that we are going pay off the amount faster XXXX that it would help our credit score! XXXX XXXX XXXX was very kind throuqhout the entire process, but I never imagined that the 0 % interest promotion with a XXXX month limit would be hidden. XXXX Months Later after paying payments of {$110.00} I noticed that interest rate occured when I saw the balance going up instead of down! I called the bank and thev told me about this 12 Months 0 % interest rate When we noticied right in that moment both of us called Synchrony Bank to try solve this issue because the interest rate is through them. We explained the situation to them and they really didn't mind at all. Saying in this way I'm sorry that you have this experience but there is nothing that we can do for 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 explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CO

Complaint narrative:
The XXXX XXXX XXXX/nelnet had my accounts open for XXXX XXXX XXXX XXXXonths Opened XX/XX/XXXX according to the attached paperwork so that would push us past the XXXX year mark of allowance on credit report the other student loan show XX/XX/XXXX ( XXXX XXXX XXXX XXXXs ) which again puts us past the allowance and the last XXXX XXXX shows open on XX/XX/XXXX ( XXXX, XXXX months ) these were all classes i took together I'm not understanding why they were reported separately. Now they are back on my credit as XXXX XXXX XXXX XXXX not sure the difference but they are now showing fresh like its just been reported to my credit when in fact they have been on their for years and I am actually paying on them through federal student gov so I'm not understanding why its still on my credit it reporting in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: Nelnet, Inc.
State: NV

Complaint narrative:
I had a federal student loan that was originated with XXXX XXXX and they sold the loan to XXXX which is now managed by Nelnet. I was trying to see exactly what amount I owe if any, and all three credit bureaus show a different balance. XXXX shows a balance of XXXX. XXXX shows {$0.00}, and XXXX shows XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an email XX/XX/XXXX dating that on XXXX the XXXX I made a transaction of a sale payment of {$10.00} which put me in a hole a negative {$8.00} and I was told by a branch XXXX that sale payments can be credited she couldn't explain to me how is this able to happen but was not able to waive the {$35.00} fee because of a negative transaction of {$8.00} which is saying my account was positive {$2.00} and I made a sale payment for {$10.00} does not make sense

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 2026-05-22 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: MD

Complaint narrative:
I am filing this new complaint against Bank of America ( BofA ) for multiple violations of the Fair Credit Billing Act ( FCBA ) and Regulation Z ( 12 CFR 1026.13 ) regarding Claim # XXXX. On XX/XX/XXXX, I initiated an {$8000.00} balance transfer intended for my XXXX XXXX XXXX XXXX account. BofAs system erroneously misrouted these funds to XXXX XXXX XXXX ( XXXX XXXX XXXX ). This is a clear billing error under 12 CFR 1026.13 ( a ) ( 4 ). BofA has failed to comply with federal error resolution procedures in the following ways : 1. FAILURE TO CONDUCT A REASONABLE INVESTIGATION ( 12 CFR 1026.13 ( f ) ) : BofA denied my claim on XX/XX/XXXX, stating : The chip was read, your PIN was entered, and/or you signed for the merchandise or service. This is factually impossible. This was a digital mobile balance transfer, not a point-of-sale purchase. There was no physical card, no chip, and no signature. By using a generic fraud template to deny a systemic routing error, BofA has failed its legal mandate to conduct a reasonable investigation. 2. UNLAWFUL COLLECTION OF INTEREST ( 12 CFR 1026.13 ( d ) ( 1 ) ) : While the dispute was active and unresolved, BofA reversed my provisional credit and applied {$340.00} in retroactive interest. Federal law strictly prohibits the collection of disputed amounts or the application of finance charges until the error is resolved. 3. SYSTEMIC ACCOUNTING ERRORS : BofAs internal ledger has been inconsistent. I have evidence showing the {$8000.00} being credited, then reversed, then credited again. This yo-yo accounting proves that the banks internal systems are in a state of error and that no definitive investigation has been completed. 4.OBSTRUCTION OF EVIDENCE : BofAs denial letter states I have a right to the evidence file used in their decision. I have called the provided number ( XXXX ) three times, and staff have refused to provide the file, placing me on indefinite hold loops. I demand that Bank of America permanently credit my account for the {$8600.00} total and provide the ACH Trace Number to prove the routing error. Next Step : After you paste this, the next screen will usually ask you to upload documents. Make sure to upload your screenshots of the yo-yo credits and the denial letter from BofA! Let me know when youre ready for the next part.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-22 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: OH

Complaint narrative:
RE : Missing Loan History Dear CFPB, I am writing to express my serious concern about the missing loan history on my account. I recently accessed my Moehla account and discovered that my payment history and status for my loans have not been reported accurately. Specifically, XXXX is missing when I had periods of payment, deferment, and or forbearance. The missing periods are keeping me from qualifying for Public Service Loan Forgiveness due to this error that has not been corrected by Moehla or previous servicer. I have already contacted the customer service department on many occasions to report this issue but was given no resolution. Therefore, I am formally requesting that you investigate this matter and take immediate action to correct the missing loan history on my account through Moehla. Thank you for your time and attention to this important matter.

Company response to consumer: Untimely response