vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: KS

Complaint narrative:
I was a divorced single mom, & got XXXX in XXXX XXXX, XX/XX/year> chance of living. I was not finished, needed to do Internship, but Dept of XXXX came after me for huge payments and screamed at an attorney I sought for help to negotiate as I could get nowhere with them. He said there was no working with them and felt helpless himself. I assumed nothing could be done in court & I had no $ for all that anyway. At times more than XXXX place was demanding $ from me. I had XXXX place tell me XXXX XXXX XXXX was garnishing me, but I had to make XXXX payments to them too before the XXXX of XXXX would stop. I could not afford this. Since then I have reached out even to head of XXXX of XXXX when XXXX took over the first time & she said she had " no info. '' XXXX XXXX and XXXX XXXX can not get a response from them. XXXX XXXX found that XXXX recently had them reduce ability for XXXX to get this info & help constituents. I wrote XXXX XXXX, he referred to XXXX XXXX. That woman DID NOTHING, then when XXXX XXXX 's office inquired, she LIED to them that I had not answered her questions? I asked which questions and what proof she had? She said I could not get forgiveness unless I was currently XXXX of XXXX. So why did I not get it when I was given that scary diagnosis in the first place? They have seized $ from places I worked, and my Soc Security. XXXX XXXX ended that, but when XXXX was relected, The Dept of XXXX had the Treasury XXXX with NO WARNING OR OTHER OPTIONS OFFERED, seize {$3000.00}. of my XXXX XXXX 's XXXX payments that contained XXXX protected info.This is half of my income, as I am elderly and have to work a bit to help as Soc Security is very lo low and can't live on it. I have contacted Treasury XXXX and XXXX XXXX XXXX XXXX send last year 's tax return which shows an actual income of {$2000.00}. but NO RELIEF OR RESPONSE. XXXX of XXXX sites are confusing, not helpful and non responsive.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PROVIDENT FUNDING ASSOCIATES
State: TX

Complaint narrative:
I am submitting this complaint regarding a 30-day late payment that was recently reported on my mortgage serviced by Provident Funding Associates. I have maintained a perfect payment history on this mortgage for approximately five years. In [ Month Year ], a payment was submitted later than usual and was recorded as 30 days late. As soon as I realized the issue, the payment was immediately made and the account was brought fully current. The loan has remained current since that time. This single late payment has caused a significant drop in my credit score, despite my long and consistent history of on-time payments. Because this was an isolated oversight in an otherwise excellent payment history, I respectfully requested that Provident Funding review the situation and consider a goodwill adjustment to remove the 30-day late mark from my credit reporting. I am asking that Provident Funding review my account history and consider removing the late payment notation as a goodwill accommodation based on my long record of responsible payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I spoke with a company identifying itself as XXXX XXXX, also using the name XXXX, regarding an alleged debt from XXXX. During the call, I was told that a legal case was in the process of being filed against me and that my parents address would be used to locate me. My parents had previously received a voicemail referencing legal action. Because of these statements and the threat of legal consequences, I felt significant pressure to resolve the matter. On XX/XX/XXXX, a debit card payment of {$1300.00} was processed. After the payment, I requested verification of the alleged debt. The company refused to provide verification and instead instructed me to sign a vague receipt and send a photocopy of my identification. On XX/XX/XXXX, I disputed the debit card transaction with USAA. On XX/XX/XXXX, USAA denied my dispute stating there was insufficient evidence. On XX/XX/XXXX, I requested reconsideration of the dispute. On XX/XX/XXXX, I filed a police report with the XXXX XXXX XXXX XXXX and submitted an identity theft report with the Federal Trade Commission. I also provided USAA with a written statement and supporting documentation regarding the incident. Despite this additional evidence, USAA denied the dispute again, stating that the denial was based on my participation in the transaction. I also requested the documentation used to determine the outcome of the dispute. USAA responded stating that they reviewed internal records and determined that no error occurred but did not provide the merchant documentation or evidence relied upon in the investigation. Because the payment was obtained through deceptive legal threats and misrepresentation regarding an alleged time-barred debt, I believe the authorization was obtained through fraud. I am requesting that USAA conduct a proper investigation consistent with Regulation E under the Electronic Fund Transfer Act and reconsider the denial of my claim.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: OR

Complaint narrative:
I applied for a XXXX $ loan through birch lending to pay an emergency vet bill. The interest rate was not made clear or available until after i signed the approval letter. I have made two XXXX $ payments through their website ; one on XX/XX/year> and another on XXXX XXXX. I expected one more payment to cover the remaining principle and some interest. Upon receiving an email reminding me of an upcoming payment of XXXX XXXX I checked the loan document, and found a 586 % interest rate, with a total of over XXXX $ expected to be paid over the course of 16 months. I emailed them to try and negotiate a settlement of i paid the remaining principle and an adjusted APR. They responded with a payment of XXXX $ for the same 16 month term. I told them I am on a fixed income from XXXX, and I was financially incapable of paying that for 16 months, and they offered a loan payoff of {$1600.00}, i reminded them of my fixed income, then negotiated I pay them XXXX $ to pay the remaining principle and some interest. They said they would allow me to pay that amount, but that new term would be subject to approval from management. It wasn't a guarantee, so I told them I was uncomfortable paying it unless it was a guarantee, and i would continue with filing a complaint through consumerfinance.gov. The chat was then closed.

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: Kriya Capital, LLC
State: SC

Complaint narrative:
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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I had a new car loan with PNC Bank that started in fall of XXXX. I paid off the loan in full XXXX of XXXX. I received a title in the mail with a stamp from the bank saying it released the lien but they never electronically released it. I also received a letter from PNC Bank stating it was paid in full and released, but it was not electronically released. In the state of Wisconsin the electronic release is required for me to do anything with the title. I am currently tryin to trade-in my vehicle and the dealership will not take the title as is until I have clean title. The XXXX will not issue me a new title on PNC Bank electronically releases the lien for the XXXX. I tried calling PNC and talking in person, my information was purged from their system and they were not able to readily pull any of my info up even though I had all paperwork with account number, VIN number, dates, etc. PNC Bank said it would be awhile for them to investigate. Right now they are holding up the sale of my vehicle until they electronically release the lien so that the XXXX can reissue a clean title for the vehicle I have owned outright since XXXX. They did not follow protocol and were unable to tell me why it was not electronically released originally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS
State: NV

Complaint narrative:
The loan from CalCon Mutual Mortgage is a commercial mortgage on a raw land investment property and was made to XXXX XXXX XXXX and I'm the managing member of the LLC I also am the guarantor for the loan. The loan closed on XX/XX/XXXX and is a 12 month balloon loan, not a residential loan. I discovered in XX/XX/XXXX when I was trying to refinance my primary residence that CalCon was reporting this loan as my personal obligation on all three national credit reporting agencies. This prevented me from refinancing my home. I contacted CalCon by phone immediately in XX/XX/XXXX and demanded they remove this obligation from my credit reports. After multiple calls to them I finally got a customer advocate talk to me who's name is XXXX XXXX ext XXXX who told me that they were reporting the loan that way because I'm the managing member of the LLC I asked her what page of the note or deed allowed them to do that? She did not answer I got her email address during that call which was on XX/XX/XXXX During that call I asked her to check with their legal department to resolve this she said she would and hasn't. I've called and emailed her four times, she hasn't returned my calls or emails. I filed a dispute with XXXX and they wouldn't change the reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
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 agreemen t, 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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I have talked with several individuals at Exeter finance to get an understanding of how the payments are applied to the interest and principle of the loan. They have stated that they are unable to give me a breakdown of how the payments are paid. I have been paying on the loan since XXXX and the balance has only gone down by {$2000.00}. When I look at the statement online, there are several instances that the principle has not been paid for 6 months at a time. They continue to tell me it is because of late charges and interest meanwhile I am paying {$75.00} over the minimum payment.

Company response to consumer: Closed with explanation
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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: IL

Complaint narrative:
I took out a loan on XX/XX/year>XXXX in the amount of {$2400.00}. I am unable to make the payments of {$650.00} per month. I have asked for an amended payment plan and they will only take the {$650.00} per month while threatening me with the arbitration clause.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: GA

Complaint narrative:
I am disputing a collection account being reported on my credit file related to XXXX XXXX. I do not recognize this debt and do not recall opening or authorizing this account. While reviewing my credit report I also discovered incorrect personal information, including an address in Ohio that I have never lived at and a name variation that is not mine. Because of these errors I believe my credit file may be mixed with another individual. I am requesting verification of this debt and removal of the collection account from my credit report if it can not be verified

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: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing this complaint against Bank of America for refusing to provide the XXXX XXXX XXXX XXXX XXXX XXXX anniversary bonus ( {$99.00} companion fare ) despite my full compliance with the promotions stated terms and conditions. Per the offer language published by Bank of America, The qualifying spend reflects Net Purchases that have posted to your account and have a transaction date between the Offer Start and Offer End dates. Merchants provide the purchase transaction date, which may be on or after the date you authorized the transaction and before the date the transaction posts to your account. The Offer End Date for my promotion was XX/XX/year>. I completed a qualifying purchase of {$5900.00} on XX/XX/year>XXXX ( transaction date ), which subsequently posted on XX/XX/year>. Despite this transaction having a transaction date within the offer window exactly as the terms specify Bank of America has refused to honor the companion fare, claiming that the transaction posted after the offer end date. This contradicts the explicit language in their own terms, which clearly states that qualifying spend is determined based on transaction date between the Offer Start and Offer End. Their refusal to apply this criterion as stated constitutes misrepresentation of promotional terms and a failure to fulfill a written contractual promise. I have contacted Bank of America customer service, but they continue to insist on using posting date instead of transaction date, directly contradicting their published rule. This has caused me financial harm and wasted time and effort fulfilling a legitimate promotional requirement. I am requesting that the CFPB investigate this matter and require Bank of America to honor the offer as written applying the qualifying spend based on the transaction date in accordance with their own published terms. Key facts : Offer End Date : XX/XX/year>XXXX Transaction made : XX/XX/year>XXXX ( for {$5900.00} ) Transaction posted : XX/XX/year>XXXX Bank of America refuses to count the transaction toward the qualifying spend because it posted after XX/XX/year>. This policy contradicts the plain language of their promotion and misleads consumers who rely on their stated rules. i am attaching my statements showing transactions and the rules on their site

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-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: MO

Complaint narrative:
I am filing this complaint because TransUnion is reporting several hard inquiries on my credit file that I did not authorize. I submitted a dispute requesting the removal of these inquiries, yet TransUnion failed to properly investigate and remove them. Under the Fair Credit Reporting Act, a company must have a permissible purpose before accessing a consumers credit report. If no authorization or permissible purpose exists, the inquiry must be removed. TransUnions continued reporting of these inquiries violates the following provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 1681b accessing or reporting a consumer credit file without permissible purpose FCRA 1681e ( b ) failure to maintain maximum possible accuracy FCRA 1681i failure to conduct a reasonable reinvestigation after a dispute These unauthorized inquiries have negatively impacted my credit score and financial profile. UNAUTHORIZED HARD INQUIRIES TO REMOVE The following inquiries were not authorized by me and must be removed unless TransUnion can provide verifiable signed authorization showing that I permitted access to my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries do not have a permissible purpose and must be deleted 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 non-monetary relief
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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX ) XXXXXXXX Chase allowed a Payment/Credit on my account electrionicly for XXXX, then on XXXXXXXX Chase Allowed another payment/Credit of XXXXXXXX XXXX XXXXXXXX XXXX ) Then Chase shows on Account Summary a purchase of XXXX toward my acct. They show on account Activity a Credit Balance refund of XXXX, a returned payment of XXXX, a credit balance refund of XXXX and a returned payment of XXXX. XXXX ) So basically they gave the XXXX back to who ever did this but charged me the 2 credit balance refunds totaling XXXX and I have been paying interest on this amount for 3 years. 4 ) 2nd credit card the same thing, Chase allowed a phone credit to my account for XXXX on XXXX then allowed a purchase of XXXX on the account summary page then i ended up oweing the balance of XXXX which I have been paying 29 % on since XXXX. We told them asap and they sent letters but never corrected anything no matter my calling consently.

Company response to consumer: Closed with explanation