vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
My student loans have been handled through MOHELA and I began paying towards the loans while I was still in XXXX school. None of those payments reflect on my account, and after many different attempts to contact them about this discrepancy they remain incompetent and unable to do anything about it. I have proof of the funds being taken out of my account but my statement does not reflect that. At this point I almost want to file a lawsuit and find out where my money went. This company is horrible and I have been unhappy with almost every aspect of their services. Once they revamped their website it finally started taking money out of my account but they have not accounted for a few XXXX dollars.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: GA

Complaint narrative:
I called the debt collector, IQ Data, to make payment arrangements. I spoke with a gentleman, XXXX XXXX. He tried to get me to pay {$6900.00} in full. I told him that I don't have it and I want to make payment arrangements. He connected me to an executive supervisor, he was very nasty to me. He stated that they would not make payment arrangements and not send a letter to verify payment arrangements. He kept trying to make me take out a loan. I don't qualify for a loan. I had hang up on him because he was very nasty to me. Actually, XXXX and the executive supervisor sounded the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
EdFinancial Services , LLC Attn : Credit Reporting / Compliance Department Re : Formal Dispute FCRA 1681s-2 & XXXX XXXX Violations | Notice of Legal Action To Whom It May Concern, I am writing to formally dispute inaccurate, misleading, and unverified information that EdFinancial Services , LLC is furnishing to consumer reporting agencies regarding my student loan account ( s ). This letter serves as formal notice of violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, as well as non-compliance with the XXXX XXXX Credit Reporting Resource Guide . Despite prior disputes, EdFinancial Services , LLC has continued to report information that is inaccurate, incomplete, and not properly verified, constituting willful and/or negligent noncompliance with federal law. 
FCRA 1681s-2 Violations Under 15 U.S.C. 1681s-2 ( a ) and ( b ), furnishers are required to report information accurately, conduct a reasonable investigation upon notice of dispute, and correct or delete information that can not be verified. Continued reporting of inaccurate or misleading data violates federal law.

XXXX XXXX Compliance Violations The information furnished reflects violations of XXXX XXXX reporting standards, including but not limited to incorrect account status coding, inaccurate payment history, improper deferment or forbearance reporting, missing or incorrect Date of First Delinquency, and failure to properly flag disputed information. Any data not fully compliant with XXXX XXXX standards must not be reported. 
Notice of Legal Action Please be advised that this account is part of a formal legal dispute, and litigation has been initiated or is being prepared regarding violations of the FCRA and related consumer protection statutes. 
Continued inaccurate reporting after receipt of this notice may constitute additional violations and expose EdFinancial to liability for statutory, actual, and punitive damages pursuant to 15 U.S.C.

1681n and 1681o. 
Demand for Resolution Within thirty ( 30 ) days of receipt of this notice, EdFinancial Services , LLC must either provide written documentation demonstrating the complete accuracy of the reported information, including the method of verification used, or immediately delete the disputed account ( s ) and all associated data from all consumer reporting agencies.

This letter is sent without waiver of any rights, all of which are expressly reserved. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have had four companies charge fraudulent charges to my bank account each month. The second one is XXXX. They have been charging {$29.00} a month since XX/XX/year> and my bank XXXX can only dispute the charges from a certain timeframe. Before it charge a debit of XXXX cents to XXXX cents has been debited. Please help me recover these funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
It was supposedly for utility company XXXX for a unit apartment unit in XXXX that I never lived at and then on my credit report it shows as a business address so I paid the debt. I have a letter saying I paid it for XXXX XXXXbecause I thought it was mine but it wasn't. 
It was an XXXX XXXX, but the debt collectors are under trans world Inc. and TSI. They're still on my credit bureaus even though I paid it Transunion and XXXX  won't listen to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX my bank account was closed due to it being compromised. I was then told that the remaining funds in my account will be sent to be via check in XXXX business days. I waited the period and still no check has been sent out. I called today XX/XX/XXXX to see where it could be. They told me the remaining balance is at XXXX  and that there are no funds to be sent. This is an issue because I have screenshot of my account balance the day it was closed. Which means the person that compromised my account withdrew the remaining funds before they finalized closing my account which I never had access to due to it being restricted. I was getting text well after my account was supposedly closed asking if I tried making transactions which I couldnt have been given the fact that I discarded all my old bank cards/ information. Chase bank refuse to help me with this issue and treated me like a criminal when I am a victim of identity theft. If the account was closed why did they allow the remaining funds to be withdrew after the closing of my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime took my check they said I had my pay before I had direct deposit then they gave it to me the my pay then took it away with nothing after they took my money and left me with XXXX to get groceries for XXXX kids they refused to help me at all they said that I didn't have XXXX in qualifying deposits a month but I did I get weekly pd from XXXX then they said it's not XXXX deposit at a time which does not state anywhere they are theives I closed my account with chime but I have been trying to get a refund thank u XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I USED A PROMO BALANCE TRANSFER FOR BARCLAY XXXX. I BALANCE TRANSFERRED FROM MY XXXX XXXX ACCOUNT TO BARCLAY XXXX. UPON CHECKING I WAS CHARGED FOR THE XXXX TRANSACTION ( LEGITIMATE ) AND ALSO APPEARS ON THE SAME DATE, SAME AMOUNT OF MONEY, A XXXX CHARGED BALANCE TRANSFER LABELLED " XXXX ''. I DO NOT, HAVE NOT, HAVE NO AFFILIATION OR AUTHORIZATION FOR ANY BALANCE TRANSFERS WITH A XXXX XXXX. I AM GETTING NO ANSWERS ON IF THAT MONEY HAS BEEN SENT, XXXX, CHECK, INSTITUTION XXXX. CALLING BARCLAY YOU GET MULTIPLE DIFFERENT PEOPLE AND CASE # XXXX AND WHEN PROVIDING MY CASE NUMBER NOBODY SEEMS TO KNOW ANYTHING ABOUT IT. CUSTOMER SERVICE IS EXTREMELY RUDE AND CONDESCENDING.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My CARE CREDIT XX/XX/year> account statement showed the total balance of {$1700.00} and a minimum payment of {$68.00} due on XX/XX/year>. I paid the total account balance of {$1700.00} on XX/XX/year> with an electronic bank transfer from a checking account. That payment was received and processed by Synchrony Bank/CARE CREDIT on XX/XX/year> as indicated on my XX/XX/year> account statement. The XX/XX/year> statement charged interest on XX/XX/year> in the amount of {$33.00} " interest charged on purchases & balance transfers ''. I contacted CARE CREDIT on XX/XX/year> to dispute the interest charge and spoke to XXXX. I argued that the interest charge was invalid because the account balance was paid in full prior to the statement due date. XXXX spoke with a supervisor and refused to waive the interest charge, and claimed the interest charge was valid. I requested to close my CARE CREDIT account based on the interaction. The account was closed at my request.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: OH

Complaint narrative:
I had multiple unauthorized transactions on my Chime account that I did not make or approve. I reported the fraud to Chime as soon as I noticed the charges and submitted the requested screenshots showing the transactions. Chime denied my dispute and later denied my appeal, stating there was insufficient evidence, but I was not given the opportunity to submit additional documentation or clarification. I believe these charges were fraudulent and that Chime did not conduct a fair or thorough investigation. I am requesting reimbursement for the unauthorized transactions and a proper review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ratchford Law Group, P.C.
State: CT

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX and its collection agent, Ratchford Law Group, P.C., for attempting to collect a personal loan debt that has already been determined to be unverifiable by a consumer reporting agency. 

The alleged debt originates from a personal loan with XXXX Bank, XXXX. that XXXX XXXX claims to have acquired. This account was previously reported on my XXXX  credit report and was deleted after XXXX  concluded the account could not be verified during a reinvestigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Despite the deletion and failure to verify the debt with a consumer reporting agency, Ratchford Law Group sent me a collection letter dated XX/XX/year>, attempting to collect {$36000.00} on behalf of XXXX XXXX. 

To date, I have not been provided competent evidence that : XXXX XXXX  has legal standing to collect this debt The debt amount is accurate The alleged account was properly assigned or sold The balance is supported by original creditor documentation Continuing collection activity on a debt that has already failed verification raises serious concerns under : 15 U.S.C. 1692g ( FDCPA validation of debts ) 15 U.S.C. 1692e ( false or misleading representations ) 15 U.S.C. 1681s-2 ( FCRA duty to report accurate information ) Attempting to collect on a debt that can not be verified, while implying its validity, is misleading and unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Dispute of Payment Error and Formal Complaint regarding Manager Misconduct Date : XX/XX/year> 1. Transaction Summary Intended Amount : {$200.00} Processed Amount : {$2000.00} Discrepancy : {$1800.00} 2. Incident Description I am writing to formally dispute the handling of a payment error and the subsequent poor service provided by your staff. After a {$2000.00} payment was incorrectly processed, I followed all bank instructions to wait 10 business days. Despite my cooperation, I have been provided with conflicting information, and my dispute was filed under incorrect categories that do not reflect the actual nature of the error. Furthermore, the refund I eventually received was insufficient and does not cover the {$1800.00} overage. 

3. Formal Complaint : Manager " XXXX  '' ( XXXX XXXX ) I am filing a specific and serious complaint against a manager named XXXX  at the XXXX location. Her conduct during our interaction was unprofessional and fell far below Bank of Americas service standards : Rude and Disrespectful Demeanor : XXXX was consistently dismissive and hostile throughout the call. 
Refusal to Assist : She refused to verify account details that had already been confirmed by the primary account holder, effectively stalling the resolution of my claim. 
Intentional Disconnection : XXXX abruptly hung up the call while I was seeking assistance, refusing to address the financial discrepancy on my account.That behavior is completely unacceptable, especially from someone in a leadership role. Hanging up on a customer is a major red flag in banking escalations and usually triggers a much more serious internal review of the recorded call.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
Subject Dispute of Unauthorized Hard Credit Inquiry Good morning, I am writing to formally dispute a hard credit inquiry that was placed on my credit report without my authorization. 
On XX/XX/XXXX, I financed my first vehicle through Old National Bank with no money down. I worked directly with XXXX XXXX at that time. 
In XX/XX/XXXX, I contacted XXXX XXXX again regarding upgrading my XXXX XXXX, which still had an balance of approximately {$6500.00}. I was informed that depending on the trade-in value, the remaining balance would be added to the new vehicle loan, and that this would be possible with my no money down. XXXX XXXX instructed me to find a vehicle and have the dealership send a bill of sale. 
On XX/XX/XXXX, I selected a XXXX XXXX from XXXX XXXX. The vehicle price was approximately {$21000.00}, or {$23000.00} after taxes. XXXX XXXX offered {$3500.00} for my XXXX XXXX, leaving an estimated {$3000.00} balance, which would bring the total loan amount to approximately {$26000.00}. The bill of sale was sent to XXXX XXXX. 
On XX/XX/XXXX, I spoke with XXXX XXXX, who advised that everything looked good and that her supervisor ( XXXX ) would follow up in the morning for my W'2s and other documents. At no point was I informed that my credit would be run, nor did I give authorization for a credit inquiry. I never give anyone my ss #, birthday, etc. 
On XX/XX/XXXX, I received credit alerts showing that my credit had been pulled. I contacted the bank and spoke with XXXX, who informed me that XXXX XXXX was not authorized to roll the {$3000.00} balance into the new loan and that this was an internal issue. I reiterated that my credit had been run without my consent and that I had been given inaccurate information. I was then told that a down payment of {$3000.00} would be required, which had never been discussed previously. 
Additionally, I was advised that if I wanted the hard inquiry removed, I would need to contact XXXX. XXXX XXXX was also informed of the same information. While the dealership offered to finance me directly, I declined to avoid another hard inquiry. 
At no time did anyone discuss APR, loan terms, loan length, or obtain my permission to run my credit. My understanding and agreement with XXXX XXXX was no money down and the remaining balance being added to the new loan. 
Because this hard inquiry was made without my authorization and based on misinformation provided to me, I am formally requesting that this inquiry be removed from my credit report. 
Thank you for your time and attention to 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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Longhorn Asset Management LLC
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX reported a collection account to XXXX  without ever notifying me of the alleged debt. I did not receive any initial communication, notice of debt, or opportunity to dispute prior to this account appearing on my credit report. I first became aware of the alleged debt only after reviewing my XXXX  credit report. Additionally, the account is being reported with inaccurate and misleading information. XXXX XXXX lists Longhorn Asset Management as the original creditor, despite the fact that I never had a consumer relationship with that entity. This is a misrepresentation of the nature and origin of the debt. The collection is also being reported as an open account, which is inaccurate and misleading for a collection account and materially impacts my creditworthiness. Despite the lack of prior notice and the inaccurate reporting, XXXX XXXX continues to furnish this information to XXXX. This has caused harm to my credit profile and interfered with housing-related financial decisions. I am requesting that XXXX XXXX either provide competent proof of their authority and the accuracy of this account or permanently remove the tradeline from all consumer reporting agencies

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
Subject : Complaint Regarding Multiple Unresolved Transactions and Failure to Issue Refunds I am filing a complaint regarding two separate consumer transactions in which funds were taken, goods or services were not delivered as promised, and refunds have not been issued within a reasonable timeframe. 

First dispute Cash App / XXXX transaction : I was scammed in an XXXX transaction where payment was made using Cash App. I reported the fraud promptly and complied with all requested steps, including providing documentation and cooperating fully with the investigation. Despite this, more than 50 days have passed with no refund and no clear written determination. I have contacted Cash App multiple times, including speaking with supervisors, but have received only vague responses, shifting timelines, or no meaningful updates. 

Second dispute XXXX website/ XXXX XXXX transaction : I placed an order through the XXXX website using XXXX XXXX nearly four months ago. The order has remained in a processing status and has never shipped. No estimated ship date, valid tracking information, or clear explanation has been provided. Attempts to resolve this directly with the merchant and/or XXXX XXXX have not resulted in delivery of the product or a refund. Holding consumer funds for nearly four months without fulfillment or transparency is unacceptable. 

In both cases, these platforms failed to resolve disputes fairly, clearly, and within a reasonable timeframe. As financial and commerce service providers, they have a responsibility to protect consumers from prolonged delays, lack of communication, and unresolved fraud or non-delivery. 

I am requesting CFPB assistance to ensure the following : 1. A clear written determination for both disputes 2. Immediate issuance of all applicable refunds 3. Accountability and improved transparency in dispute resolution processes These delays have caused unnecessary financial stress and inconvenience. I appreciate the CFPBs assistance in helping bring these matters to a fair and timely resolution. 

Sincerely, XXXX

Company response to consumer: Closed with explanation