vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: SC

Complaint narrative:
I don't know what is going on. Under the transactions tab on the app, it looked like there were duplicate transactions so I disputed XXXX of them when I got the statement, I realized that they were not duplicates, the dispute was denied and that's okay, but now all of the sudden for XXXX weeks, I've been told my account is scheduled to be closed and my funds are being held. I have called via chat email and telephone and I'm being told that I have to wait. XXXX weeks for the account to close and then another XXXX weeks for them to mail me a check. They refused to transfer my funds to the external account. Attached to my credit karma spend account. They will not tell me why I have passed all security verifications. I have no clue what is going on. And they are holding my money and not telling me why this has been going on for almost XXXX weeks now I can go in the account and add stuff and do everything but access my funds. With no answer, and I have tried desperately to find out what is going on.And nobody will tell me anything.All they do is to read a script to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year> my phone was stolen while I was traveling in XXXX. Shortly after the theft, multiple unauthorized transfers totaling about {$2000.00} were initiated from my bank account through the XXXX application. I immediately reported the theft, contacted my card provider to cancel my card, and later obtained a new card when I returned to the United States. I also disputed the transactions with my bank, VyStar Credit Union. VyStar initially credited the funds back to my account during the investigation, but about one month later they removed the credit and determined the transactions were authorized. VyStar has refused to reopen the investigation. I also contacted XXXX, which informed me that the transactions were cancelled and that the dispute was being handled through my bank. My XXXX account was suspended after the dispute was filed. I have supporting documentation including a police report of the theft, emails from XXXX confirming the transfers were cancelled, and other evidence supporting my claim. I am requesting that VyStar Credit Union properly investigate these unauthorized transfers and restore the funds to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute several accounts on my credit report. Below is a list of the accounts I am disputing, along with their respective details. I am requesting that these be reviewed for accuracy and completeness. Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Inquiries : XXXX Date : XX/XX/XXXX Positive Accounts : 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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I mailed a check in the amount of {$830.00} to RocketMortgage on XXXX and on the face of the check it clearly states " escrow payment for shortage ''. On XX/XX/XXXX I saw they deposited it to " Principal ''. I contacted them on chat to advised misapplied payment and was told it would take XXXX days request # XXXX. I submitted a copy of the deposited check front and back. I also contacted them on email same or next day and was told it would take time. Ever since I have called and called and called and emailed and emailed and emailed and sent a certified letter and NO RESOLVE. Finally on the final day before the new month by which the mortgage would increase if I did not pay the escrow, I REPAID THE ESCROW AGAIN via their website directly from my checking account so there would be no issue with the mortage. Somewhere between all of that following, On XXXX I received an email from the XXXX department with an attachment research reference XXXX asking if I wanted them to deposit the {$830.00} to escrow so they can redo an escrow analysis and if there is a surplus they will refund while in the exact same attachment they state they received my XXXX escrow payment and the escrow is satisfied by which I responded within the hour stating for them to refund me the {$830.00} direct deposit if possible and if not check because as they already know there is no escrow shortage so there is no reason to depsoit it into escrow and have another lengthy process and battle to get my refund of {$830.00}. NO RESPONSES AT ALL. I sent a Notice of Error to the same email and cerfitifed to Rocket Mortage. I have heard NOTHING. And as of XX/XX/XXXX, the {$830.00} is STILL SITTING IN PRINCIPAL though they have ACKNOWEDGED the ERROR on their part. I need to get my refund processed IMMEDIATELY and RocketMortage needs to be disciplined for holding customer funds hostage for NO REASON at all. They should be fined for such aggregiously poor customer service and mismanagement of customer funds and mortgage process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: InDebted Corporation
State: TX

Complaint narrative:
Received a text from Indebted stating I owe {$15.00} to XXXX on XX/XX/year>. XXXX with Indebted in the past and let them know I have already paid this debt directly to XXXX. Spoke with XXXX reps XXXX ( XXXX & XXXX XXXX and let them know the debt had been paid to XXXX. XXXX with XXXX and they can not find anything. XXXX will not reach out to Indebted and today Indebted is sending something to XXXX signed back up with XXXX today just to get this resolved. Will not use XXXX in the future as before their customer service is severely lacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I bought a lamp from XXXX XXXX XXXX on XX/XX/year>. The business closed and never provided the purchased item, but kept my money. Citi has forced me to file six disputes ( currently filing my seventh dispute today ). They always say the reason is they " never received '' the documention. When I display I have proof ( emails and certified letters ) they suddenly DO have the documentation. Then they reopen the dispute..... Then they close the case and we resort to square one. Oftentimes the day my certified letter arrives is the same day they close my case again : reason cited " not received ''. Please do not trust Citi with your money, unless you intend to forfeit all protections and never perform a Chargeback. Citi does not value you or your time, only your money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 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: VA

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSOXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 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: PR

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TRANSUNION immediately block and permanently remove a fraudulent account that was added to my credit report without my knowledge or authorization. This account is the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX [ Private Case Number ] ) along with supporting documentation, including proof that my personal data was compromised in the XXXX XXXX breach. The fraudulent account is listed as an INSTALLMENT account under the name XXXX XXXX, account number XXXX, opened on XX/XX/year>. This account does not belong to me and was not authorized by me in any way. I request that TRANSUNION comply with the requirements of FCRA XXXX and immediately block and permanently remove this fraudulent account from my credit file.

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 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Heritage Financial Group, Inc.
State: IL

Complaint narrative:
Credit Bureau Name Bureau Address Credit Report Dispute To Whom It May Concern, I am writing to dispute the following account listed on my credit report. I believe the information is inaccurate and request that it be investigated and removed or corrected. Creditor Name : heritage acceptance incorrect balance, late payments inaccurate, account should be closed, etc. ) Under the Fair Credit Reporting Act, I request that this account be investigated and removed or corrected if it can not be verified. Please send me written confirmation of the results of your investigation. Thank you for your time and prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: KS

Complaint narrative:
I took out a $ XXXX title loan in my truck around XX/XX/year>. My monthly payment is {$1200.00} and I have paid every month to current date. To date, I have paid this company {$20000.00} XXXX on the {$12000.00} I took out. The company shows that I still owe nearly {$17000.00} XXXX. I have reached out to them to see if I could make XXXX payment for less to close this out but they say that I need to pay the balance and I am incurring {$40.00} per day in interest. Ive paid off the loan and then some and feel that Im being taken advantage of and consider this to be a high risk predatory loan. Im not trying to get out of my obligation but in a year they make {$8000.00} in interest off of me and expect another {$17000.00} in interest. Ive paid my loan off and then some.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
On XX/XX/year> I reviewed my credit report from XXXX and discovered a collection account from Sunrise Credit Services in the amount of {$180.00}. Prior to this discovery, I have received no communication from Sunrise Credit Services. They have not contacted me via telephone, email, or physical mail to notify me of this alleged debt or to provide a validation notice as required by law. By furnishing this information to a credit reporting agency without first communicating with me or sending a notice and waiting the required 14-day period, Sunrise Credit Services is in violation of 12 CFR 1006.30 ( Regulation F ) regarding " debt parking. '' Because I was never notified, I have been deprived of my right to dispute the debt within the initial 30-day window. I am requesting that Sunrise Credit Services validate the debt immediately or remove the trade line from my credit report due to the lack of proper notification. Also, I submitted a formal dispute with XXXX at XXXX PM on XX/XX/year>. My dispute was marked as 'verified ' and denied at XXXX XXXX, a window of only XXXX minutes, during hours when Sunrise Credit Services is closed. This rapid, automated response proves that XXXX failed to conduct a reasonable investigation as required by the Fair Credit Reporting Act ( FCRA ) and instead relied on a flawed automated verification system. I am providing my mailing address for the sole purpose of receiving the legally required debt validation documents and a formal response to this complaint. I am officially notifying XXXX and Sunrise Credit Services that phone calls to my cellular or home numbers are inconvenient. All future communication regarding this matter must be conducted in writing via U.S. Mail only.

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 2026-03-11 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: NC

Complaint narrative:
In XX/XX/year>, an overpayment was made on a loan making my loan balance around - {$2500.00}. I've tried to get this resolved and have the overpayment be allocated to another loan and this action has not been initiated yet.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: FL

Complaint narrative:
Good morning, I'm writing to request assistance regarding a significant delay in the processing of my Public Service Loan Forgiveness ( PSLF ) buyback request currently being serviced by the Missouri Higher Education Loan Authority ( MOHELA ). I'm an active-duty member of the United States military and have worked in qualifying public service since XX/XX/XXXX, relevant to my PSLF eligibility. I submitted my PSLF buyback request in XX/XX/XXXX through the Federal Student Aid portal. As of today, the request has been pending for approximately five months without resolution or meaningful status updates. Despite multiple attempts to obtain clarification from MOHELA and Federal Student Aid, I haven't received a clear timeline for review or completion and was told it could take up to a year to process while still being required to pay XXXX XXXX monthly payments. Because the PSLF program is intended to support individuals serving in public service roles, including military service members, this extended delay is concerning and creates uncertainty regarding my loan status and financial planning. I respectfully request assistance in the following : -Confirmation that my PSLF buyback request submitted in XX/XX/XXXX has been properly received and is actively under review. -A status update explaining the current stage of the review process or number in the cue. -Request for an expedited processing and estimated timeline for completion of the PSLF buyback determination. Respectfully, XXXX XXXX XXXX of Birth : XX/XX/XXXX Cell # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
Validation of Debt Request - NATLCRSYS - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
Validation of Debt Request - SOUTHWEST CREDIT SYS/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: NY

Complaint narrative:
I am submitting this complaint regarding three private student loans currently serviced by MOHELA and previously serviced by XXXX. For nearly twenty years, I have made payments toward these loans. To date, I have paid {$86000.00}. Of that amount, {$76000.00} has been applied to interest, while only {$9000.00} has reduced the principal balance. My remaining balance is still {$74000.00}. Despite paying more than the original loan balance in total payments, I still owe nearly the full amount borrowed and have approximately twenty years remaining on the repayment schedule. MOHELA has previously responded that this outcome is the result of my selection of an interest-only repayment plan when I was younger. However, that response ignores the circumstances in which that decision was made. At the time, the loans were serviced by XXXX, and I was informed that an interest-only plan was the only option available to keep the loans current when I could not afford the standard payments. I was not presented with realistic alternatives that would allow principal reduction while remaining financially manageable. As a result, I was effectively placed into a repayment structure where payments primarily served to maintain the loan rather than reduce it. Over time, this created a situation where decades of payments have produced almost no reduction in principal. Recently, my family attempted to resolve this situation responsibly by offering a lump sum settlement of {$25000.00}. This offer reflects both my financial limitations and the substantial amount already paid over the life of the loan. MOHELA refused to negotiate any settlement and also refused to offer a modified repayment structure that would allow meaningful progress toward repayment. At this point, I am financially unable to continue making payments exceeding {$850.00} per month. Two of the loans are now approximately 60 days past due because the current payment structure is simply unsustainable. After nearly two decades of repayment and more than {$86000.00} paid, I believe it is reasonable to request intervention. I am seeking assistance in reaching a fair resolution that acknowledges the amount already repaid and allows this debt to be resolved realistically and humanely. I respectfully request a review of the following : Whether the repayment structure and interest accumulation over the life of these loans are reasonable or fair Whether borrowers were effectively steered into long-term interest-only repayment options without viable alternatives Whether a settlement or significant restructuring should be required, given the repayment history I am seeking a good-faith resolution that allows these loans to be closed in a way that reflects nearly twenty years of repayment.

Company response to consumer: Closed with explanation