vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am experiencing an issue with my vehicle title involving Ally Financial. XXXX XXXX sent a letter to me stating to get a certificate of repossession and signed by Ally Financial. The original title already contains a signed lien release from Ally Financial, indicating that the lien has been satisfied. However, the XXXX XXXXXXXX still shows a repossession record associated with the vehicle, which is preventing me from renewing my registration or legally operating my car. My registration deadline is XX/XX/XXXX, and I am at risk of penalties due to this issue. I have contacted Ally Financial multiple times on XX/XX/year>, XX/XX/year> and XX/XX/year> requesting documentation confirming that the repossession process has been completed and closed, or any records they submitted to the XXXX. However, they have refused to provide any additional documentation or assistance beyond the lien release. I am not listed on the original loan account, and Ally Financial has been unable to provide me with account details due to authorization restrictions. However, I am currently in possession of the vehicle and the title, which includes a signed lien release from Ally Financial. Because of this, I am unable to resolve the issue with the XXXX. I am requesting that Ally Financial provide written confirmation that the repossession has been resolved/closed, or any documentation necessary to clear the repossession record with the XXXX XXXX XXXX This lack of cooperation is directly preventing me from registering my vehicle and complying with state requirements. I understand that I may not be listed on the original loan account, which may be why Ally Financial has refused to provide me with additional information. However, I am currently in possession of the vehicle and the title, which already includes a signed lien release from Ally Financial. I am the person attempting to resolve the XXXX issue, and I need documentation confirming that the repossession has been resolved so that I can legally register the vehicle.

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 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene Finance took over my mortgage while in forbearance. I am in a trial period and have made 3 trial payments on time and are moving forward continuing to pay on time. Selene Finance has taken my credit score down XXXX points and reporting me as late and delinquent. I have never paid a bill late in 42 years of credit history. We endured severe illness in family and loss of job but are now beginning to move forward and pay our mortgage... Selene Finance has destroyed our pristine credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Global lending services promise to remove the debt, that's my car was covered warranty and I voluntarily return the car now they are charging me for reposition {$11000.00}. Which was not part of the contract and it should not be on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have repeatedly asked the company to provide proof the alleged debt belongs to me, and they have failed to provide all I requested. They now have a law firm contacting me and threatening to file a lawsuit. I have informed them they failed to provide proof and informed them I filed a complaint with you-CFPB and to cease and desist, but they continue to send me written letters attempting to collect and file suit against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple high-dollar transactions were charged to my checking account that I did not authorize. These transactions occurred in rapid succession and in a highly unusual pattern, including repeated attempts following declines and no fraud alerts or verification notifications being sent to me. This activity is inconsistent with my normal account usage. All of the unauthorized transactions were conducted through a website identified as XXXX ( XXXX ). The transactions occurred repeatedly across multiple days and in varying high-dollar amounts, which clearly indicates fraudulent activity. I reported these transactions immediately upon discovery. Chase initially issued provisional credit, acknowledging the validity of my claim. However, the credit was later reversed, and the case was closed with the explanation that the transactions were authorized due to XXXX XXXX. I did not authorize these transactions, nor did I receive any benefit from them. The explanation provided is insufficient and does not meet the requirements under federal law. I requested documentation and evidence showing how the transactions were determined to be authorized, as well as a full explanation of the investigation conducted. To date, this information has not been provided. Under the Electronic Fund Transfer Act and Regulation XXXX, the burden is on the bank to demonstrate that the transactions were authorized. The use of XXXX XXXX does not constitute proof of authorization, and XXXX XXXX is not a financial institution. Chase failed to properly evaluate clear indicators of fraud, including rapid repeated transactions, prior declines, and lack of verification alerts. Reversing provisional credit without sufficient explanation raises serious concerns about the adequacy of their investigation. I am requesting full reimbursement of all unauthorized transactions, a complete written explanation of the investigation, and all documentation used to determine that the transactions were authorized. Additional information provided by consumer : XXXX The submitter called in to check the status of the complaint since it has not yet been sent to the company. Upon review of the complaint it was discovered that the consumer not entered the correct company. He is requesting the the company XXXX XXXX be removed from the complaint as that is his company. He wants the complaint to go to Chase Bank. Please update the company to Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
This is my second complaint regarding my student loan servicer, MOHELA, and their ongoing failure to correct a verified account error. Since XX/XX/XXXX, my account has been incorrectly reported as delinquent despite my making all required payments on time and in surplus. I have contacted MOHELA by phone more than eight times, and in every instance, their representatives have confirmed that my payments were successfully received and applied. I have bank records to verify all payments. Despite these confirmations, my account continues to reflect a delinquent status in error, and I continue to receive calls stating I am more than 110 days past due. I was explicitly told my account would not be sent to collections ; however, collection-related communications persist. I previously filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX ( Complaint ID : XXXX ), which did not result in resolution. An internal case with MOHELA was reportedly assigned on XX/XX/XXXX. On XX/XX/XXXX, I was informed that the case remained open and that an agent was reviewing additional information with a XXXX response timeframe ( through XX/XX/XXXX ). I have received no updates or resolution since that time. I also contacted MOHELA via email on XX/XX/XXXX and again on XX/XX/XXXX, and received no response to either communication. Due to the continued lack of resolution, I have now escalated this matter to the Federal Student Aid Ombudsman. This issue has now persisted for over six months despite repeated outreach and confirmed payment history. MOHELAs failure to correct this error and continued misrepresentation of my account status raises serious concerns regarding servicing accuracy and potential improper credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing a debt that has been placed in collections. I do not believe this debt is accurate/valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
My ex opened a new bank account using an expired XXXX and my home address in XX/XX/XXXX. The XXXX has been expired since XXXX. I have had a XXXX XXXX on my ex since XXXX. XX/XX/XXXX I received a bank statement from the XXXX XXXX XXXX under the old XXXX that my ex and I were XX/XX/XXXX partners. He recently received judgements from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX and may be hiding under the XXXX. My ex defaulted on loans at the other XXXX banks. I was never on the loans or accounts but was included in the law suit. I was able to clear my name in those cases but fear a similar situation again at the XXXX XXXX XXXX The BOK say there was no wrongdoing and my ex has the right to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/year> TrueAccord Corp . XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your communication regarding an alleged debt you claim I owe. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including an itemization of any interest, fees, or additional charges. 3. Copies of any documentation showing that I agreed to this debt. 4. Proof that your company is legally authorized to collect this debt. 5. A copy of the original signed contract or agreement related to the alleged debt. Until you provide proper validation of this debt, I request that all collection activities cease. Additionally, please refrain from reporting this account to any credit reporting agencies until the debt has been properly validated. If you can not validate this debt, please confirm in writing that the account has been closed and that any negative credit reporting has been removed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: WA

Complaint narrative:
I never received anything but a bill from the company trying to collect. After reviewing the 3 online bureaus I wrote a letter stating that the date delinquent was incorrect, the amount was incorrect, I never received any details of the charges, I never received a payment plan, I asked the collector to provide this information and haven't heard from them. The collection agencies all sent the same computerized response that they looked into it and verified that it is accurate. This is a joint debt. The joint debtor sent the same information and got the same responses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to dispute the above-referenced debt and to request validation of this alleged obligation. I do not admit liability for this debt. I am requesting that your company provide complete verification and documentation showing that I am legally obligated to pay this amount. Please provide the following : The name and address of the original creditor The account number associated with the alleged debt The amount claimed, including an itemization of principal, interest, fees, payments, and credits Copies of any agreement, contract, application, or other documents bearing my signature or otherwise showing I agreed to this debt Proof that your company has the legal right to collect this debt The date of default and the date of the last payment, if any A complete payment history on the account Documentation showing that the debt belongs to me and not to another person with a similar name or identifying information Until this debt is properly validated, I request that all collection activity on this account stop. If you have reported this account to any credit reporting agency, I request that you mark the account as disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MN

Complaint narrative:
I DO NOT OWE ON THIS DEBT. I FINISHED MY LEASE AND STAYED XXXX EXTRA MONTHS BY PAYING MY MONTHLY RENT. THIS COLLECTION IS A TRUE VIOLATION OF MY FAIR DEBT COLLECTION PRACTICES ACT RIGHTS. In XXXX, terminating a lease requires written notice at least XXXX full rental period plus XXXX day before the move-out date for month-to-month agreements. For fixed-term leases, notice is not required to end on the expiration date, but XXXX days ' notice is recommended. Landlords must now mitigate damages if a tenant abandons the property. Your collection agency has ruined my credit, even though I did everything right. My landlord is trying to collect on a debt I do not owe. Im consulting a lawyer to fight this and I believe the CFPB should take sanctions against this agency. Currently, I demand copies of my original documentation that proves responsibility of a posted collection against me personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Improper Credit Card Closure Due to Identity Verification Failure I am filing a complaint against Bank of America regarding the closure of my credit card account due to unable to verify identity, despite my full cooperation and submission of extensive documentation. I received a request from the bank to verify my identity. In response, I promptly provided multiple valid and official documents, including : Government-issued ID Passport Permanent Resident Card ( XXXX XXXX ) Social Security Card Work contracts some billing with tracking number XXXX XXXX delivered and is available at the provided mail address at a XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, in XXXX XXXX XXXX XXXX Despite submitting all requested documents, I was informed that my identity could not be verified and my account was subsequently closed. This account is my oldest credit account, and its closure may significantly impact my credit history and score. I believe I have fully complied with all identity verification requirements. The bank has not provided a clear explanation of what specific information was insufficient or mismatched, nor was I offered a meaningful opportunity to resolve the issue, such as in-person verification at a branch. My concerns are : Lack of transparency regarding why my identity could not be verified Failure to properly review the valid documentation provided No opportunity given for further verification ( e.g., in-person confirmation ) Potential negative impact on my credit history due to closure of my oldest account I am requesting the following : A detailed explanation of why my identity verification failed A full review of the documents I submitted An opportunity to complete identity verification through alternative means ( such as in-person verification ) Reconsideration of the account closure, if appropriate Assurance that no negative or inaccurate information will be reported to credit bureaus I have acted in good faith and provided all requested documentation. I respectfully request that this matter be reviewed thoroughly and resolved fairly. Sincerely, 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 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: LA

Complaint narrative:
XXXX XXXX. Account XXXX XXXXXXXX I'm unaware of this debt and did hot have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail with receipt displaying my signature If not, please delete account XXXX XXXXXXXX as soon as possible from my report of i will have to take legal action

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 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I prepaid my surgical procedure in full at the hospital and received itemized receipts confirming the balance was paid. I was never billed by the XXXX provider prior to this account being sent to collections. The collection agency has failed to provide proper validation of the debt. The original creditor has also stated the account is no longer in their system and can not provide itemized billing. Because the XXXX provider was not selected by me and the surgery occurred at a hospital facility, this may also fall under protections provided by the No Surprises Act. I am requesting investigation, proper validation, and removal of this account from any credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
The company sued me in court to obtain a judgement against me. They then were granted a judgment with the specific amount allowed to collect with court fees added and XXXX % annum annually. This means legally they can add XXXX % interest to the full amount once a year if Im correct. The added this amount back in XXXX. I have been slowly working on my credit and then all of a sudden they added a random {$30.00} this month increasing the amount owed with no explanation. I disputed with credit bureaus but they say the new amount is correct? How is that? I want an explanation of where this extra {$30.00} added on to the balance came from that once again cared my credit to dip. If the annual interest was already added in XXXX then they have no legal right to add random amounts through the year as they please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: WI

Complaint narrative:
To whom it may concern, I am submitting this complaint to dispute the interest accrual, capitalization, and repayment-plan servicing on my Sallie Mae XXXX XXXX loan for a graduate program at XXXX XXXX . This loan was approved in XX/XX/XXXX to cover semester fees during the XXXX emergency. At the time of disbursement, the variable interest rate was around XXXX %, and the amount borrowed for that semester is {$23000.00}. Today, the balance is about {$41000.00} and the interest rate is about XXXX %. The balance has grown to nearly double what was originally borrowed. I ultimately completed the program, but in a longer-than-usual timeframe because of the disruption to my academic and financial situation during that period. My dispute is not simply that the loan became expensive. I dispute the accuracy of Sallie Maes interest accrual, capitalization, and repayment-plan servicing on this account. My billing statements reflect substantial balance growth, rising variable interest, and payment treatment that does not appear to meaningfully reduce principal, yet I do not have a complete accounting or the underlying modification documents that would explain those changes. As a result, this loan has become a major financial burden. I also have XXXX federal student loans, and the balance and monthly payments on this Sallie Mae loan are preventing me from making substantial progress on my other education debt. Even when I make payments on this account, the balance does not appear to decrease in a meaningful way. At my current income level, I do not have the ability to sustain the payment amount required to repay this loan on a normal timeline. I contacted Sallie Mae by phone on XX/XX/XXXX regarding this issue. I have also submitted a previous CFPB complaint seeking payment relief and have contacted Sallie Mae several times in the past regarding repayment, although I do not have the dates for all prior contacts. I am requesting that Sallie Mae provide a full life-of-loan accounting for this loan, including all interest accrual, all capitalization events, all repayment-plan or modification documents, and a clear explanation of how my payments have been applied. I also request that Sallie Mae correct any improperly charged or capitalized interest and adjust the balance accordingly if the account has been mis-serviced. Sincerely, [ Your Name ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation