vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-27 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: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I am filing a formal complaint regarding multiple unresolved issues related to my student loans, loan servicing, and institutional billing practices. XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Mismanagement I have been consistently employed by nonprofit organizations and should qualify for the XXXX XXXX XXXX XXXX ( XXXX ) program. However, my loan servicer, Navient, previously informed me that I did not qualify. I now understand that many borrowers were misinformed or improperly guided by servicers, resulting in wrongful denial of XXXX eligibility. I have submitted XXXX-related documentation multiple times over the years and have not received a clear resolution, accurate payment count, or appropriate review of my eligibility. I am requesting a full audit of my XXXX eligibility, including a recount of all qualifying payments and a determination of whether my loans should have already been forgiven. XXXX. Lack of Response Regarding Borrower Relief / Settlement Claims I also submitted documentation related to borrower relief tied to lawsuits involving student loan servicing practices. It has been over XXXX years, and I have not received any response, update, or determination regarding my eligibility or claim status. I am requesting confirmation of whether I qualify for any relief programs, including but not limited to borrower defense or settlement-related discharge, and a written explanation of my status. XXXX. Improper and Potentially Duplicate Billing by XXXX XXXX XXXX I am currently disputing charges from XXXX XXXX XXXX. After informing the institution of my intent to transfer to another school or to a different program location ( XXXX ), I was presented with what appears to be duplicate or unjustified charges. These charges were not previously communicated and only appeared after I initiated a transfer. I have not been provided with a clear, itemized accounting that justifies these additional charges. I formally request : A complete itemized ledger of my account, including all tuition charges, financial aid disbursements, adjustments, and balances A written explanation of the basis for any additional or repeated charges Documentation showing that these charges are valid and not duplicative 4. Refusal to Escalate and Unprofessional Conduct When attempting to resolve this matter, the financial aid supervisor refused to allow me to speak with a higher-level authority. This has prevented me from properly addressing and resolving the issue. Additionally, I experienced behavior from this individual that I found unprofessional and inappropriate, which further contributed to my inability to resolve my concerns through normal institutional channels. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
On Tuesday, XX/XX/year> ; I applied for a personal loan from Upgrade. The loan amount was for {$36000.00}. While filling out the paperwork online and waiting for it to be accepted, I was sent out to another loan company with the message that my loan had not been funded but to try a loan from a partner company called, XXXX XXXX. I was surprised that I had not been funded as I had filled everything out thinking it HAD gone through. So, I went over to XXXX XXXX with the provided link from Upgrade and was funded by XXXX XXXX for {$36000.00}. A few days later, XX/XX/year> ; I got an email from Upgrade confirming my loan had NOT gone through ( email attached ). A day later, I discovered that not only had I been funded by XXXX XXXX but Upgrade HAD funded my loan so now I had XXXX loans and can not afford XXXX payments. I immediately panicked and started getting the funds together to pay the Upgrade loan back. I called Upgrade on XX/XX/year> ; to let them know what happened. and asked about the origination fee being refunded. By that time, I was able to get enough funds to cover the loan which included a {$1200.00} origination fee. I have now paid that loan off. I am asking for a refund of the origination fee based on the above circumstances where if I had known that my loan had been funded, I would not have followed the link provided by Upgrade to XXXX XXXX or agreed to another personal loan with XXXX payments I can not afford. I have not heard back from the company regarding my request on XX/XX/year> to refund the origination fee. This appears to be predatory and steered loan practices where the applicant applies for a loan and in the middle of the process is steered to a partner lending organization because I am told I do NOT qualify for the Upgrade company 's loan. Then I went to the linked XXXX XXXX site where I did get a loan. Then I find out several days later that my loan WAS funded from Upgrade and I can not make payments on XXXX loans. BOTH companies paid on some of my credit cards directly which sent me to large credit balances on those accounts where I had to request to get those credits back as checks in the mail. That took several weeks plus I had to pay the origination fee on a loan I thought had not been funded based on the link to XXXX XXXX AND the confirmation email from Upgrade 2 days later verifying that I had not been funded. This appears to be predatory because Upgrade , Inc made {$1200.00} in an origination fee on funds that I only had for under a month that took time to collect to pay back from the overpaid credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a capital one credit card and was approved. However when I attempted to use it. Its been held restricted. I then uploaded all of the requested information and not resolution was provided. I dont know what they have done with my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT ARE INACCURATE AND UNVERIFIED. I DID NOT OPEN, AUTHORIZE, OR AGREE TO THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AR

Complaint narrative:
I sent a friend {$5.00} via Cash app. In the space where is asks what the transfer is for I wrote " XXXX XXXX '' as a joke. Cash App has frozen my account for almost a month now. I've explained to customer support multiple times ( as they requested ) it was a joke and as of yet all I get from customer support is " I'm sending this to my supervisor, it will get taken care of. '' Or I'm told that I will be contacted by customer support but that never happens and I've contacted customer support XXXX times now. The funds in my account have been frozen and at this point no one can even tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: AL

Complaint narrative:
Dear CFPB : US BANK XXXX CREDIT CARD XXXX XXXX ARE ENGAGING IN OVERT FRAUD, MISAPPROPRIATION OF FUNDS, AND EMBEZZLEMENT. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. God Bless and Blessed, PHONE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US BANK XXXX XXXX CREDIT CARD : 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 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received a wage garnishment order dated XXXX XX/XX/year> from XXXX XXXXXXXX XXXX XXXX, Attorney for Midland Credit Management , INC . The wage garnishment letter was the first and only communication I have received from this business. The order claims I owe a balance of {$2800.00} to Midland for an amount with no verification or originating information. After further review, I found a second amount on the order stating the judgement amount was {$1700.00}. The garnishment order was also sent to my employer in an attempt to enforce the garnishment. I was sent notice that a garnishment was deducted from my payroll on XXXX XX/XX/year>, in the amount of {$200.00}. This garnishment order is also being enforced along with a child support order. I have not had any contact with the company regarding requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I am not satisfied with the companys response, as it fails to address the specific inaccuracies and inconsistencies raised in my complaint. The company states that the balance is valid but does not provide any explanation or documentation addressing the core issues of my dispute. Specifically : The account reflects a late payment in XXXX for a charge related to XXXX. This is chronologically impossible and has not been explained. On XX/XX/XXXX, my account showed a {$0.00} balance, and I was informed by the property management that my account was in good standing. This has not been addressed. Charges were added later in the month after I was told the account was current, which suggests retroactive billing. The company has not provided a detailed itemization explaining how the balance of {$1400.00} was calculated. The response does not address the possibility of duplicate or improperly applied charges reflected in the account ledger. Simply stating that the account is valid and that the client confirmed it does not meet the requirement of a reasonable investigation. Additionally, stating that proof was mailed is insufficient without confirming what documentation was provided and how it supports the accuracy of the disputed information. I am requesting : A full itemized accounting of the debt Documentation supporting each charge and fee An explanation of the XXXX timeline inconsistency Clarification of how charges were applied after a confirmed {$0.00} balance If the company can not provide clear and consistent documentation addressing these issues, the account should be deleted from my credit report due to inaccurate and unverifiable information. I am requesting further review of this matter

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 2026-03-27 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: CA

Complaint narrative:
I received a notification from my bank that my online banking login details had been changed without my authorisation. I immediately contacted the bank to report this. During the call, I was informed that an unknown individual attempted to deposit a fraudulent check at an ATM in XXXX using my account. I did not authorise this transaction and had no involvement in this activity. I was subsequently locked out of my account and later informed that the account had been closed. I attempted to obtain information from the bank both by phone and in person but was not provided with clear details or an opportunity to resolve the issue. I was also informed that I would not be able to open an account with the bank again. I have filed an Identity Theft Report confirming that I am a victim of fraud.

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 2026-03-27 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collection, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Inquiries consist of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-27 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.
State: TX

Complaint narrative:
I am submitting this feedback to strongly dispute Citis response to my complaint, as it is incomplete, inaccurate, and fails to address critical facts. First, Citi confirmed to meboth verbally through their fraud department and in writingthat my account balance was {$0.00} and that no payment was due. I relied on this confirmation in good faith. However, despite this clear confirmation, Citi later reported my account as delinquent, including XXXX late payments and a past due balance. This is a direct contradiction and indicates a serious internal error or miscommunication within Citi. Second, I only had XXXX legitimate Citi accounts : Account ending in XXXX XXXX XX/XX/XXXXaccount ending in XXXX All other Citi cards issued in my name were compromised before I even received them. I returned those cards immediately to Citibank. Some of those cards included unauthorized user names, which is clear evidence of fraud. Additionally, my accounts were repeatedly closed and replaced by Citi due to ongoing fraud activity. Any balance discrepancy appears to have resulted from Citis internal handling of these fraud-related account changesnot from any failure on my part. Furthermore, my XX/XX/XXXX showed suspicious activity at a XXXX gas station, including XXXX transactions within less than XXXX minutes at the same location, which I did not authorize. This strongly supports that my accounts were compromised. Despite all of this : Citi failed to properly investigate the fraud Citi failed to correct the inaccurate reporting Citi continues to report damaging delinquency information to the credit bureaus This has negatively impacted my credit, despite the fact that I acted responsibly and followed all instructions provided by Citi. I respectfully request that the CFPB require Citi to : 1. Remove all inaccurate late payment history ( XX/XX/year> days ) from all credit bureaus 2. Correct my account status to reflect a {$0.00} balance as previously confirmed 3. Acknowledge that this situation was the result of fraud and internal account handling errors 4. Provide a full and accurate explanation of how this error occurred I have supporting documentation, including written confirmation of a {$0.00} balance and credit reports showing the incorrect delinquency, and I am prepared to provide them upon request. Citis response does not resolve my complaint, and I am requesting further investigation and enforcement action. Sincerely, 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 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
Admitted to screwing up the reported amount to my credit score lying on a recorded line and transferring and taking money out of my account without prior authorization the manager on the third transfer even admitted everything is screwed up but she can't fix it and the amount on my credit report is falsefully being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX have all violated my rights under the FCRA 15 USC 605B. Pursuant to FCRA 15 USC 1681c-2,1681g ( a ) ( 2 ), 1681e ( b ), and 1681i ( a ) ( 5 ) ( B ). I request these items be blocked and removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX and Equifax have all violated my rights under the FCRA 15 USC 605B. Pursuant to FCRA 15 USC 1681c-2,1681g ( a ) ( 2 ), 1681e ( b ), and 1681i ( a ) ( 5 ) ( B ). I request these items be blocked and removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Under the FCRA, you are required to conduct a reasonable investigation of this matter within 30 days. If you can not verify the accuracy of this account with complete and documented evidence, you must delete it from my credit file. Request for Action : Conduct a thorough investigation of the disputed account Provide documentation verifying this debt, including original creditor information and proof of my obligation Delete the account entirely if it can not be verified as accurate Send me an updated copy of my credit report reflecting these changes Additionally, please provide the name, address, and contact information of any entity that verified this account. Please note that reporting inaccurate or unverifiable information violates federal law. Failure to comply with the FCRA may result in further action to protect my rights. I have enclosed copies of supporting documentation to assist in your investigation. Do not interpret this dispute as acknowledgment of liability for this account. I expect this matter to be handled promptly and in full compliance with applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United PanAm Financial Corp.
State: CA

Complaint narrative:
XXXX united auto credit gave a loan I know I wouldnt be approved but it did I put XXXX down for a XXXX XXXX so I get the truck then 3 days go by and they send me a letter saying bring the truck back I didnt qualify so I paid XXXX XXXX on my truck and then they repo it they came into my backyard entered my property and took my truck these people knew I wouldnt qualify so I freakin lost my truck not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Account with Fraud and identity theft report. With stolen Social Security Number Card not working

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I cancelled my membership with XXXX by phone. After cancellation, they continued to charge my credit card {$290.00} on XX/XX/year>. I disputed the charge with American Express but the dispute was closed because it was reported more than 60 days after the statement date. I have attempted to contact XXXX directly to request a refund but have been unable to reach them. I am requesting a full refund of {$290.00} for this unauthorized charge made after my cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: World Omni Financial Corp.
State: VA

Complaint narrative:
I had a lease with XXXX that ended on XX/XX/year>. I received a final lease statement that listed prepaid property tax in the amount of {$830.00} and estimated property tax of almost {$3000.00}. I contacted the dmv and my local tax authorization and I was advised that the numbers on the final lease statement were incorrect. I have requested copies of the tax bills XXXX says they received several times and I still haven't received any proof. XXXX responded to my first complaint with another XXXX generated letter that did not answer any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Account with Fraud and identity theft reports With stolen Social Security Number No account number Card not working

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