vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding unauthorized recurring charges from XXXX, a pettech subscription service. Beginning on XX/XX/year>, I attempted to cancel my subscription directly with the company multiple times. Each time I requested cancellation, XXXX refused to process it and instead tried to retain me by offering discounts or alternative services. They did not honor my explicit cancellation requests, and they continued billing me without my consent. 
XXXX customer platform is nonsensical and does not provide any XXXX XXXX to cancel the subscription. There is no clear cancellation button, no accessible account management option, and no straightforward method to terminate service. The only way to attempt cancellation is through customer support, which repeatedly ignored my requests and used retention tactics instead of processing the cancellation. This means the merchant effectively prevents consumers from canceling, even when they explicitly ask to stop service. 
Because the merchant would not cancel the subscription, I notified American Express that these charges were unauthorized and asked them to stop future transactions. Despite this notice, charges from XXXX continued from XX/XX/year> through XX/XX/year> and beyond. I made it clear that I had withdrawn consent and that the merchant was obstructing cancellation, yet the billing continued. 
This is a merchantfault situation involving : A nonfunctional, confusing customer platform No accessible or legitimate cancellation mechanism Refusal to honor explicit cancellation requests Continued billing after consent was withdrawn Use of retention tactics instead of processing cancellation It is also a cardissuer issue, because Amex continued allowing charges even after I notified them that the billing was unauthorized and that the merchant was preventing cancellation. 
I am requesting the CFPB review both the merchants practices and the card issuers handling of my dispute, as the ongoing charges were not authorized and occurred after I took all reasonable steps to cancel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Some one called ( XXXX ) to my phone XX/XX/XXXX, today from card services to report a credit card opened in my name from XXXX  from XXXX  XXXX XXXX XXXX XXXX in the amount {$5000.00}. I did apply for a card in this amount. I suspect that this fraudulent. She submitted a call back number 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 2026-01-30 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: CL Holdings LLC
State: MI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: UT

Complaint narrative:
I am currently enrolled and actively attending classes at XXXX a public postsecondary institution. My enrollment status is active as XX/XX/XXXX, and I have been continuously enrolled since the fall of XXXX. 
Despite my active enrollment, the school has reported a debt of approximately {$20000.00} ( related to unpaid tuition/fees from a prior term, institutional charges, or a tuition payment plan ] ) to one or more credit bureaus ( including [ list if known : XXXX XXXX XXXX ] XXXX. This has resulted in negative items appearing on my credit reports, such as late payments, collections, or delinquency notations, which are damaging my credit score and affecting my ability to this is affecting my daily life trying to navigate through life as a XXXX XXXX XXXX that pays for school out of pocket and almost minimum wage paycheck.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX of XXXX, I applied for a credit card with ELAN FINANCIAL SERVICES. 
XXXX XXXX XXXX XXXX nd XXXX Application number XXXX XX/XX/year> I was asked to fax my confidential private documents ( driver license and social security card ) front and back. 

XX/XX/year> I called to check status of application. I was told that my documents sent were unverifiable. My driver license and social security card could not be verified. Accusing me of sending false documents and that my application is denied. This is either discrimination or incompetence.

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 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I completed a loan application for a personal loan to consolidate debt this morning and signed it at XXXX XXXX. The document I signed very vaguely states that loans can be cancelled if given 'sufficient time ' but does not elaborate on what that timeframe is. at XXXX XXXX, I tried to cancel the loan and halt funding but according to SoFi XXXX the loan had somehow already reached the funding stage and was unable to be stopped. It was escalated through multiple levels of customer support via chat and then, when I tried to make a phone call, my calls kept getting dropped just as it started to ring through to a representative after spending XXXX minutes on hold. This feels wildly deceptive and I can't help but feel like it is a delay tactic to stall me until it actually is too late to halt the progress. I have tried to call some of the companies that the funds were meant to be dispersed to and they have told me they are not able to reject the payments that come in. I am incredibly frustrated and feel that SoFi is being both deceptive and entirely unhelpful in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
We lost our uncle, who was the patriarch of the family. He passed away in XXXX from XXXX  XXXX XXXX. My family and I used a lot of our savings caring for him. We wanted to ensure that he received the medical care needed. Our family home is currently in foreclosure due to this ; as we had to ensure his care was covered. Since then we have reached out to the bank and provided all supporting documents related to our hardship from his death. We have provided the death certificate, letter of hardship, tax forms, bank statements, pay stubs, household income and household expense as requested. Unfortunately to be told that we dont qualify due to debt to income ratio however theres a surplus. 
We even offered to pay XXXX to XXXX towards the escrow owed to bring down the remaining balance owed ; to assist with the modification process. In addition, we have asked if we can add additional household income and the response was the following. 

Sorry once your account is at this status you can't put anything down. It has to be paid in XXXX lump sum. Reinstatement will be your only option to keep the property. I am sorry, changing the number still will not make the loan qualify due to the account status and the amount due has a factor in the decline. 

Then another agent ran the numbers with the additional income and Im told that I do not qualify because the dti is too high. Unfortunately, I can not pay the lump sum of whats due but I can do a modification plan and pay over the course of time. 

This is concerning because I feel like the bank is taking advantage of me and my current hardship. My family wants to maintain our home and would like to be able to do so. In XXXX  your office or another office was able to help me and my family from foreclosure. At that time my uncle received his diagnosis and continued to make it possible for our family. We ask that we get the same chance to help save our family home. Resulting from your assistance in XXXX, the bank had sent a XXXX letter apologizing for the error and made good with a modification. We ask that we get the same consideration ; losing our family home and our uncle would cause a greater hardship on the family. 

Currently there is no sale date on our home ; we want to save our home and come to a resolution. 

We are looking for some assistance to ensure that we can work towards this.

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 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I am filing this formal complaint against a debt collector for reporting an alleged debt to the consumer reporting agencies without ever providing me with the legally required notice of debt.

I never received an initial written notice, validation notice, or any form of communication regarding this alleged debt prior to it being reported on my credit reports. This is a clear violation of federal law.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), a debt collector is required to provide a written notice containing the amount of the debt, the name of the creditor, and my right to dispute the debt within five ( 5 ) days of initial communication. No such notice was ever provided to me.

Additionally, by reporting this debt without proper notice or validation, the debt collector has furnished inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to report information accurately and completely.

Because I was never notified of this alleged debt, I was denied my legal right to dispute and request validation before it appeared on my credit report. Reporting a debt without proper notice is misleading, unfair, and unlawful.

I am formally requesting that the Consumer Financial Protection Bureau investigate this matter and require the debt collector to : Provide documented proof that proper notice was sent in compliance with 15 U.S.C. 1692g ( a ) ; or Immediately delete this account from all consumer reporting agencies, including XXXX XXXX and XXXX due to failure to comply with federal law.

If the debt collector can not produce evidence of lawful notification and validation, continued reporting of this account constitutes willful noncompliance under the FDCPA and FCRA.

Thank you for your attention to this matter. I request written confirmation of the outcome of this investigation.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions handling of my debit card fraud claim involving unauthorized electronic fund transfers totaling {$1900.00}. 
Between XX/XX/XXXX and XX/XX/XXXX, my physical debit card fell out of my possession and was lost. The card was never recovered and was not back in my possession after that time. I did not knowingly provide the card to any third party and did not authorize its use after it was lost. 
After the loss of my card, unauthorized activity occurred on my account, including fraudulent checks deposited at an ATM in another state, followed by cash withdrawals made at an ATM. I did not deposit or endorse any checks, did not authorize any ATM withdrawals, was not present at the ATM locations, and did not benefit from these transactions.

I reported the unauthorized activity to Navy Federal promptly upon discovery and cooperated fully with their investigation and multiple appeal reviews.

Despite these facts, Navy Federal has denied my claim multiple times, stating that no error occurred, without providing evidence that I authorized these electronic fund transfers. The actual fraud transaction happened XX/XX/XXXX XXXX of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Cherrington Firm PLLC
State: UT

Complaint narrative:
Cherrington XXXX XXXX is attempting to collect on a debt that was already resolved via XXXX dispute resolution ( credited {$2300.00} on XX/XX/year> ). They have failed to validate the debt despite my request and admitted they can not produce documentation showing the XXXX dispute was overturned. Although I signed the initial invoice, the Customer Authorization section ( which states work was completed to my satisfaction ) was never signedand a follow-up technician later confirmed the system remained nonfunctional, referring me to the original installer. Their response to my original CFPB complaint ( Complaint ID : XXXX ) is now marked as past due. I recently sent them a formal letter demanding validation and am now filing this new complaint to notify the CFPB of their ongoing violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
There was interest charged on my XXXX and XXXX credit card statement with Citi 's XXXX XXXX  XXXX. I reached out to The company via chat to inquire about this since I routinely pay my statement balance within the statement cycle to avoid such charges, as my customer history can attest to. I was told by the representative that they checked the system and there was no option to credit the amount. There was no effort made to inform me if there was some problem with any of my payments or to specify what would have happened that would have caused interest to charge given my regular timely payments. I asked the matter to be escalated and the representative promptly did so. I then was able to speak to escalations agent XXXX, who also advised me that he checked the system and if he had had the option to do so he would have credited the interest. My concern is twofold. Firstly, the fact that they were both checking in the system to see if interest could be waived for me would suggest that for some customers it is able to be waived and the fact that it was not available for me would suggest that customers are not being treated equally. Given that this is not a request that I routinely make, I am curious as to why other customers may have this option and I do not. My second concern is that when I asked to escalate the matter again via a formal complaint, I was told that feedback could be provided but that a complaint which would be followed up on would not be possible. My understanding is that complaints for all financial industries are required to be available for submittal and should be tracked and followed up on by all members of the industry regardless of contact channel. He advised that if I wanted to further escalate the issue, I could call the customer service line but that this was all that could be provided to me via chat. I'm concerned that this is resulting in varying levels of service depending on the mode of contact a customer goes through to reach service with the company. In my mind, regardless of how you reach out, you should be allotted the same opportunities and equivalent service. I was appreciative of the help that XXXX was able to provide but as a long time Citi customer I think the company can and should do better. I would like to have the interest waived since during none of my interactions was I advised any specific thing that I did that would have justified incurring the interest, and I would like the company to consider how they can better follow up with issues of major concern for their customers via chat.

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 2026-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Ive seen a collection on my credit Bullcity financial. Which is an XXXX XXXX I was told it was XXXX to pay off then I was told I owe XXXX this has affected my credit score and I would like to have it removed due to wrongful amount that is hurting my credit score. 


Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: FL

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NV

Complaint narrative:
I was in the contract of this rental but after 5 months I left, I went to the office to sign my contract and they gave me my exit I was in charge of the apartment XXXX XXXX then she broke the Contract and he didn't pay that debt they are charging me when it's not like that I don't have to pay if I had left that contract long before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This account was paid after charged off. XXXX  and XXXX  are reporting a balance of {$290.00}. While XXXX  is reporting a {$0.00} balance. This is affecting my credit health which is refraining from me buying my first home. 

I initiated another call on XX/XX/year> to obtain either info from citi bank on their end or info on a debt collector to which they stated they could not find the account based off my date of birth, phone number, address, or social security number.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RNT DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research RNT DEBT 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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AZ

Complaint narrative:
XXXX, XXXX  : I tried to call to ask more information regarding the account. Discover informed me that the debt has been bought/sold to a third party. Which Discover did not provide the number just transferred the call to the third party. The third party informed me that they have informed me years ago about the purchase but I was not notified by mail, email, or phone. They have not sent anything since the purchase. I tried to dispute the Discovery because they still show that they have a balance with Discover. Not with the third party since the information is accurately reported. I tried to dispute this with XXXX  but they took less than 24 hours to resolve which they stated the information is accurate which to my knowledge this is not. Discover is supposed to mark balance as {$0.00} and than the third party is supposed to connect with credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
This collection account is reporting information that appears inaccurate and inconsistent with my records. 

I am requesting verification of the account details, including the original agreement, billing history, and authorization to place this account for collection. 

Please review the accuracy and completeness of the reporting. 

If the information can not be verified with documentation, I request correction or removal to ensure accurate credit reporting.

Company response to consumer: Closed with explanation