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: MOHELA
State: OH

Complaint narrative:
( Mohela states they need more information in the complaint ) XX/XX/XXXX RE : Appeal for Teacher Loan Forgiveness Consolidation Error Borrower Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX cell Dear Mohela, I am writing to appeal the loss of my Teacher Loan Forgiveness eligibility due to conflicting guidance I received from multiple representatives regarding loan consolidation. Summary of the Issue I was eligible for Teacher Loan Forgiveness under the [ specific program : PSLF, Direct Loan Forgiveness, etc. ]. However, I received inconsistent directions from representatives at loan representatives regarding whether consolidating my loans would affect my forgiveness eligibility. Based on these conflicting instructions, I consolidated my loans, which inadvertently reset my forgiveness progress and cost me years of qualifying payments. Key Facts Original Loan Program : [ Original program name ] Years of Service:XXXX years Qualifying Payments Made : currently only XXXX Date of Consolidation : Started XX/XX/XXXX with submitting orgonal paper work Reason for Consolidation : I was advised by representatives that consolidation had to be completed to qualify for forgiveness eligibility. After consolidating, another representative told me I should not have because it erased all my qualifying years. After working 30 years as a special education educator in a low-income area, I now only qualify for 7 payments Current Status : My forgiveness progress was reset after consolidation Request for Relief I respectfully request that you : Restore my qualifying payment history from before the consolidation Reinstate my Teacher Loan Forgiveness eligibility based on my original timeline Review the guidance I received to prevent similar errors for other borrowers I acted in good faith based on information provided by your representatives. The conflicting guidance was beyond my control, and I should not lose years of qualifying service due to institutional error. Supporting Documentation Attached to this letter : Proof of teacher employment during the qualifying period has been submitted several times. Thank you for your prompt attention to this matter. I look forward to a resolution that honors my years of public service. Sincerely, XXXX XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because my TransUnion credit report contains inaccurate or potentially duplicate information that I am disputing. I am requesting a proper investigation under the Fair Credit Reporting Act. Charged Off Accounts in Dispute XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$9400.00} XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} Collection Accounts in Dispute XXXX XXXX Account # XXXX Balance : {$9400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance : {$240.00} XXXX Account # XXXX Balance : {$200.00}

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: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/year>, I submitted claim number XXXX because US Bank Mortgage reported my account as delinquent for XX/XX/year> while my loan was in an approved forbearance period. On XX/XX/year>, US Bank sent me a letter acknowledging that this reporting was an error and stated that they would correct the credit reporting. However, nearly four months later, the delinquency is still appearing on my credit reports and continues to negatively impact my credit. I have also submitted disputes with the credit bureaus and provided the letter confirming the error, but it appears that US Bank responded to the bureaus stating that the delinquency is accurate. I am requesting assistance to ensure that my credit reports are corrected and that the inaccurate delinquency is removed as soon as possible. This error has already affected my credit standing and even resulted in the closure of one of my credit cards.

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: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX : UFB Direct/Axos Bank discriminates against consumers with disabilities. On XX/XX/year>, I had submitted a formal request for a reasonable accommodation to UFB Direct under the Americans with Disabilities Act ( ADA ), 42 U.S.C. 12101. My request specifically asked for the bank to provide a level of service for consumers with communication disabilities ( specifically those who have difficulty with standard telephone and TTY systems ) that is equivalent to the service provided to other customers. To date, I have received no response or acknowledgment of this request from the bank. By failing to respond or provide a clear status of this accommodation, the bank is effectively denying me equal access to manage my financial accounts and receive necessary customer support. Under ADA Title III, banks as " public accommodations '' must ensure effective communication with individuals with disabilities. Furthermore, I believe this lack of responsiveness and failure to provide accessible communication channels may constitute an unfair practice, as it prevents me from fully utilizing the financial products I hold with this institution.

Company response to consumer: Closed with explanation
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 — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
The following account was paid off in XXXX, yet it is still be reported on all three credit bureaus with a balance of {$11000.00}. Here is the account information : XXXX XXXX XXXX XXXX Serviced by Santander XXXX, XXXX. Account XXXX VIN : XXXX

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because there are collection accounts on my credit report that do not belong to me. I check my credit regularly, and these accounts showed up without my knowledge or permission. I never authorized this, and I am extremely frustrated that this inaccurate information is being reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In XX/XX/year>, I legally moved out of my apartment at the end of my lease. All rent and utility bills were fully paid, and I was not required to provide any additional 3060 day notice beyond the lease terms. On XX/XX/year>, I sent an email to the apartment management stating that I would not be renewing my lease. My lease legally ended on [ XX/XX/year> ], and all rent and utility payments were made in full through the payment portal. The lease did not require a 3060 day notice beyond the end date. Despite this, Columbia Debt Recovery reported an alleged debt of {$3600.00} as a collection on my credit report. Later, I received an email from Columbia Debt Recovery claiming I owed {$3600.00} for failing to provide extra notice. I did not owe this debt and did not agree to any additional charges. Despite this, the company reported the alleged debt as a collection on my credit report on XX/XX/year>. I have already disputed this directly with Columbia Debt Recovery and requested documentation verifying the debt, including the original lease agreement, proof of any amounts claimed, and evidence of their authority to collect. This debt is not valid, and I request that it be removed from my credit reports if Columbia Debt Recovery can not provide full validation. Even if the company provides documentation, the debt is still not owed, as my lease ended legally and all payments were made.

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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In XX/XX/year>, I bought tickets to a concert totaling {$750.00}. The tickets were falsely marked as tickets to the show when they were really just fast early access passes to the show. I tried to dispute this multiple times with the credit card company that I used Apple credit card and they have failed to help resolve this issue. Now theyre delaying opening the dispute again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
To Whom It May Concern, This letter is a formal request for the Method of Verification regarding the account that I previously disputed on my credit file. I received notice that the account was verified. However, the response failed to provide the specific method used to verify the alleged debt. Under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), a consumer has the right to request a description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and telephone number of any furnisher or person contacted during the investigation. Furthermore, under 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide the Method of Verification within fifteen ( 15 ) days of receiving this request. I am requesting the following information : 1. The name, address, and telephone number of the party contacted to verify the account. 2. The date and time of the verification. 3. The method used to verify the information ( electronic verification, documentation review, or other ). 4. Copies of any documentation used to verify the alleged debt. Additionally, pursuant to 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. A simple automated response or e-OSCAR system confirmation does not constitute a reasonable investigation. If you can not provide competent evidence of verification, including the documentation used, then the account must be deleted from my credit file immediately for failure to comply with the Fair Credit Reporting Act. Failure to comply with this request will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies for violations of the Fair Credit Reporting Act. Please provide the requested information within the time allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Received a debit card in mail on XX/XX/year> from Wells Fargo Bank. I do not have a Wells Fargo bank account. I have never had a Wells Fargo bank account. I have not requested a debit card for a bank account I have not opened. Contacting Wells Fargo to inform them of this matter is complicated. Multiple phone trees, prolonged waiting time on hold, needing to speak with multiple departments. They make it so easy for someone to open a fraudulent account using stolen information. Must be in cahoots with the thieves is my opinion. Contacting Wells Fargo to have them close the fraudulent account should be just as simple. One call directly to one department that can shut down the entire fraud. Close the fraudulent bank account and close the fraudulent profile set up to open the fraudulent account. Wells Fargo allowed an individual to use my stolen information to open a fraudulent account. How is Well Fargo going to fix this? WHO is accountable?

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: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: IL

Complaint narrative:
Hello XXXX, Thank you for your response. I would like to clarify that these transactions were reported to Cash App as unauthorized immediately after they were discovered. The disputes were submitted promptly through the Cash App platform ; however, they were denied almost immediately without what appeared to be a meaningful investigation. Because of the speed of the denial and the number of unauthorized transactions involved, I escalated the matter through the Consumer Financial Protection Bureau ( CFPB ). Cash App again denied the claim through that process without providing a clear explanation of the investigative steps taken or the basis for the denial. For clarity, the transactions in question were not authorized by me. I did not initiate them, approve them, or provide any person with permission to access my Cash App account or Cash App card to complete these transactions. As soon as I became aware of the activity, I reported it to Cash App. Your recent email suggests that I should begin submitting disputes for each transaction through the app. However, those disputes were already submitted and reviewed previously. At this point, I am requesting the following : Confirmation that the prior disputes will be reopened or reviewed again. A detailed explanation of the investigative process that was conducted when the claims were initially denied. Any documentation or evidence relied upon by Cash App in determining that the transactions were authorized. Given that this matter has already been escalated through the CFPB and involves multiple unauthorized transactions, I am requesting that Cash App conduct a thorough review of the account activity and provide a written explanation of its findings. I am willing to cooperate fully and provide any additional documentation necessary to assist with the investigation. Thank you for your attention to this matter. I look forward to your response. Sincerely, XXXX XXXX

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: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: TN

Complaint narrative:
XXXX XXXX : XXXX Was already opened and closed. The results were found that my credit card was closed in XX/XX/year> and paid off. I am still recovering a bill from this company after the CFPB reported to me that this same account was closed. I still need XXXX XXXX to closed this account so I can purchase a home using a XXXX home loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have contacted Jefferson capital by mail and they received the mail according to XXXX.. Mail was sent using certified mail. I included the violation that they have on my credit report which is against the law, and destroying my credit. They have not lawfully verified that I owed the alleged debt that I have been disputing and requesting THEIR LEGAL RIGHT TO COLLECT, DEBT VALIDATION which should also include a contract or agreement bearing my legal signiture, complete itemization and accounting of the alleged debt, and how they are verifying this debt. They need to remove this debt immediately as I have the right to sue due to violation! Jefferson Capital is furnishing misleading, and unverified information regarding this account to consumer reporting agencies.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 — Loan sold or transferred to another company
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
I am writing to formally file a complaint regarding the vehicle I purchased and the ongoing issues I have experienced since the beginning of my ownership with XXXX XXXX Within just three days of purchasing the vehicle, it broke down and left me stranded on the side of the road. Since that time, I have continued to experience repeated mechanical and electrical problems. Over the past year, I have brought the vehicle in for repairs approximately ten times. Despite these repeated repair attempts, the issues have not been permanently resolved. At one point, the engine was replaced ; however, the same problems have continued even after such a major repair. It often appears that temporary fixes are being made that allow the vehicle to function only briefly before another issue arises. Additionally, every time the vehicle is taken in for service, it is typically kept for one to two weeks. This has caused significant hardship for me, as I must constantly arrange alternative transportation to get to work and handle daily responsibilities. The lack of reliable transportation has had serious consequences, including the loss of employment due to my inability to consistently get to work. Beyond the inconvenience, I am deeply concerned about the safety of this vehicle. I no longer feel safe driving it. Recently, I picked the vehicle up from service and the same issue occurred againthe horn has stopped working. I was previously informed that there was a wiring issue, but the horn has already failed again. A malfunctioning horn is a serious safety hazard and should not continue to occur after repair. While I acknowledge that repair attempts have been made, the repeated failures and extended time the vehicle has spent in the shop are unacceptable. I am currently being expected to continue making payments on a vehicle that has proven to be unreliable and unsafe, while also trying to maintain and improve my credit. Given the number of repair attempts, the severity of the ongoing issues, the time the vehicle has been out of service, and the safety concerns involved, I am requesting that this matter be addressed immediately. I would like a clear resolution, which may include a vehicle replacement, buyback, or another appropriate remedy. Please respond promptly regarding how you intend to resolve this situation. If this matter can not be resolved directly, I will have no choice but to pursue additional steps, including filing formal complaints with the appropriate consumer protection agencies. I look forward to your timely response. received the car XX/XX/XXXX in shop XX/XX/XXXX and then XX/XX/XXXX and then XX/XX/XXXX and then XX/XX/XXXX and then XX/XX/XXXX and then XX/XX/XXXX and then XX/XX/XXXX and then XX/XX/XXXX and then XX/XX/XXXX and then XX/XX/XXXX XXXX

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: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I am submitting this complaint regarding a welcome bonus offer for the American Express XXXX XXXX XXXX. I applied for the card after receiving a promotional offer for XXXX Membership Rewards bonus points. I specifically chose to apply for this card because of the advertised welcome bonus. During the application process, I was never notified that I was ineligible for the welcome bonus. There was no warning message or popup indicating that the offer would not apply to my account. If such a notice had appeared, I would not have proceeded with the application. After opening the card and contacting American Express XXXX XXXX, I was informed that the bonus offer had been declined based on internal eligibility criteria. However, this information was never disclosed to me during the application process. I contacted American Express XXXX XXXX through their XXXX support and was told that the bonus was declined and could not be added. The reference number for this conversation is : XXXX. This situation is very concerning because the decision to open this card was based on the advertised welcome bonus offer. Had I been informed that I was not eligible, I would not have applied for this card. The value of the XXXX Membership Rewards bonus is approximately {$2000.00} {$4000.00} depending on redemption, and this was a significant factor in my decision to open the account. I respectfully request that American Express review this case and honor the XXXX Membership Rewards welcome bonus that was presented at the time of application.

Company response to consumer: Closed with explanation