vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
I started the Loss mitigation process on XX/XX/XXXX. Filled out the application and sent in all docs that were requested. Then i got information that i was missing items or items were not checked on the app, right, So all of this new info was sent to them on XX/XX/XXXX. along with hand-signed paperwork explaining the different items it have sent. Then again, a few days later, after i had to call, ( they won't call right awa, y it will take a week or more ) I am told again for a XXXX time that there are things missing and i need to send them in again.this was again on XX/XX/XXXX. Then again i was told for a XXXX time that things are missing and i have to send them in.I sent in more docs on XX/XX/XXXX. and i called again to ask why it is taking so long. I was told that it is only a 30 day process and that i have gone past that, i was never told of a 30 day time frame. Now after the XXXX time of talking with them, i have sent another email yet again with items they say they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: CA

Complaint narrative:
I attended XXXX XXXX in approximately XXXX. XXXX XXXX was part of XXXX XXXX, which was later found to have engaged in widespread fraud and deceptive practices and was ultimately shut down. 

I was misled about the value of the education, job placement prospects, and earning potential associated with my program. Based on these misrepresentations, I took out student loans that I would not have otherwise agreed to. 

Despite the schools closure and documented findings of fraud, the student loan debt associated with XXXX XXXX has continued to follow me. This debt has negatively impacted my credit, financial stability, and overall quality of life for many years. I have experienced ongoing financial hardship as a result. 

I am requesting relief related to these loans, including review for discharge, correction of any inaccurate reporting, and an end to continued harm from debt connected to a school that was found to have defrauded its students. 

This situation has been ongoing for years and has caused significant and lasting damage. I am seeking a fair resolution based on the documented misconduct of XXXX XXXX and XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: HI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/year> I was given a notice by XXXX  and XXXX credit journeys that Comenity Bank pulled my credit for their XXXX credit card. I never applied for the credit card and placed a credit freeze right away. I called XXXX credit journey as XXXX  was closed since it was Saturday. On XX/XX/year> I got a call from XXXX  to start dispute and have been working with XXXX XXXX with dispute who got me in contact with Comenity Bank. Comenity bank confirmed the application was approved on web browsers with my name, ssn and different address they could not provide me. They closed the credit card and XXXX reached back out couple days later to file a FTC report for record of fraud on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I received a phone call on XX/XX/year> at XXXX EST from ( XXXX ) XXXX from a young men claiming to be from Wells Fargo customer services. Asking me if I applied for a credit card in the loan amount for {$35000.00}. The caller had my last XXXX of XXXX. I called Wells Fargo bank in XXXX, AL  and they stated that I dont have an account at Wells Fargo XXXX XXXX XXXX AL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My Capital One checking account has been restricted since XXXX. When the account was first restricted, my balance was approximately {$1500.00}, the majority of which comes from my XXXX benefits. Currently, around $ XXXX of my funds remain frozen. I was informed that Capital One intends to end the banking relationship, but my funds have not been returned. Despite this, the company continues to process claims against my balance, including XXXX within the past XXXX days. 
I contacted Capital One multiple times to request a final accounting and a timeline for the release of my funds, but they have not provided this information. I also visited a Capital One branch and brought some of the people involved in the XXXX transactions as evidence, but I was still not allowed to speak with higher management to resolve the situation. I have consistently submitted proof of my transactions, yet the company continues to claim they have received nothing. 
I am requesting a final accounting and the return of my remaining balance. The restriction is causing financial hardship for me and my small children.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC

Complaint narrative:
In early XX/XX/year>, I contacted my mortgage servicer to discuss hardship options related to a temporary federal government shutdown that disrupted my pay. I was advised by the servicer to call back on XX/XX/XXXX to proceed. When I called on XX/XX/XXXX, I was informed that my account had been incorrectly placed into an unemployment-based forbearance, despite the fact that I remained employed and was only subject to a temporary shutdown-related interruption. The servicer acknowledged the incorrect classification, canceled it, and submitted a new request. 

Because of this error and reliance on the servicers guidance, I was placed into a compressed timeline with the forbearance ending XX/XX/XXXX. During this period, I experienced limitations that prevented me from making payments online and was advised that partial payments or repayment plans could negatively impact my credit. To avoid potential credit harm caused by the servicers miscoding and processing delays, I made the full contractual payment of approximately {$6500.00} to bring the account current. I am not requesting a loan modification. This complaint concerns incorrect hardship classification, reliance on servicer instructions, payment processing limitations, and risk of adverse credit impact resulting from servicing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In approximately 2016, I used XXXX services and believed I was using my XXXX balance or XXXX payment features. I did not knowingly apply for or consent to the opening of a separate credit account with Synchrony Bank. I did not receive a physical credit card, nor was I clearly informed that a third-party credit account was being opened in my name. 

At a later time, I discovered that a PayPal Credit account issued by Synchrony Bank existed under my name and that automatic payments were being withdrawn from my bank account. These payments were automatic and not made as an acknowledgment or authorization of a credit account. 

More recently, Synchrony Bank advised me that my PayPal Credit account number was updated per internal review, and the balance was transferred to a new account number. I did not request, authorize, or consent to this balance transfer or to the creation of a new credit account number. I was not provided clear notice or disclosure that such a change would occur. 

I have disputed this matter multiple times and requested documentary proof of my authorization, including the original credit application and any balance transfer authorization. Synchrony Bank has denied my disputes and has not provided evidence of my informed consent, relying instead on an internal review. 

I am requesting that this matter be reviewed for improper account conversion and lack of informed consumer authorization, and that any inaccurate credit reporting related to the unauthorized account number change be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
CFPB summarily closed the complaint without Santander Bank complying with actions. CFPB improperly relies upon Santander bank 's statement to communicate with my office rather have the matter corrected. It has been over 3 months since multiple written requests were served on Santander bank with no action whatsoever. It is unjustified to rely on Santander bank 's statement alone and close file, particularly given Santander Bank 's lack of action for over XXXX months and XXXX XXXX deadline XXXX XX/XX/year>. The complain should remain open and active until Santander bank corrects the improper designation of the Attorney XXXX 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 explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app same routine same money I receive money in their account they close the account but theyre not close the account. We didnt have any money in there. Contact them for 10 days now they gon na do another 10 days. I have bitcoin also in there but no information is coming back clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On Sunday, XX/XX/year>XXXX  I signed into my online portal account with TD Auto Finance to update my auto-pay details and noticed there is a secondary checking account associated with my auto-loan account. I do not recognize this account ( by name nor account number ) and no one else has access to my account. This mysterious checking account has a name tied to it that I have never heard of but the last name is similar to mine. My online account has a randomly generated password and has security questions set up for added security. 

On Monday, XX/XX/year> I contacted TD Auto Finance Customer Support via a phone call and explained the issue to the representative and asked how this possibly could have happened and what the implications are. The representative was not helpful, did not take my concern seriously and repeatedly stated that it was not the doing of TD Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Today XXXX XXXX XXXX, the state of Wisconsin took XXXX dollars from my account through levies. I was not notified by my bank, or through the mail that I had owed taxes to the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In XXXX, on or about XX/XX/XXXX or XXXX, I contacted Capital One after paying my account in full to confirm that I did not owe any remaining balance and to close my account. During that call, I was informed that interest could post until the statement closing date and was instructed to review my account through that date to ensure no additional charges appeared. I followed those instructions and did not see any interest or balance owed. 

At the conclusion of that call, I was also told that my account had been closed. Based on this information, I believed the matter was fully resolved. Because I was told the account was closed and had a XXXX balance, I uninstalled the Capital One app, believing no further action was required on my part. 

On XX/XX/XXXX, I received an email stating that I owed a late fee. This was confusing, as I had followed the instructions provided and believed my account had been closed with a XXXX balance. I contacted Capital One again to seek clarification. 

During my calls on XX/XX/XXXX, I was told that there was nothing Capital One could do. I was also informed that my original call had been reviewed and that I had been told interest might post until the statement closed, information I had already relied upon when I checked my account through the statement closing date as instructed. 

Despite following Capital Ones guidance, a late fee was still assessed. Additionally, the representatives I spoke with were unhelpful and did not adequately address the situation, dismissing my concerns without offering a reasonable resolution or clear explanation. 

I am requesting that Capital One remove the late fee, correct any account errors, confirm that the account is closed with a XXXX balance, and ensure that no negative credit reporting results from this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Hello, Please help me to solve my issues with this SQUARE XXXX XXXX and they're holding my payouts without any detailed explanation, even though they did charge me the processing fee and because of this I ended up with very bad financial difficulties. I can't pay my rent and all my credit cards because of this company. Please help me to solve this issue within XXXX Business Days. 
Transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Chime Financial Inc
State: PA

Complaint narrative:
I am filing this complaint against Chime Financial , Inc. for failing to issue credit after I had already filed a formal dispute regarding unauthorized electronic fund transfers, in violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 

On XX/XX/XXXX and XX/XX/XXXX, multiple debit transactions were processed from my Chime account under the merchant name XXXX for the following amounts : {$1.00} {$37.00} {$100.00} {$190.00} {$200.00} {$440.00} {$990.00} These transactions were unauthorized and/or cancelled immediately. I timely filed a dispute with Chime and provided all requested information and documentation. 

Despite my compliance and timely notice, Chime : Failed to issue provisional credit as required under Regulation E Failed to resolve the dispute within the required timeframe Failed to provide a written investigation outcome or legal justification Continued to withhold my funds while allowing the merchant to retain them Under Regulation E, once a consumer files a timely dispute involving unauthorized electronic fund transfers, the financial institution must conduct a reasonable investigation and provide provisional credit for the full disputed amount if the investigation is not completed within the required period. 

Chimes failure to credit my account after a dispute was already filed constitutes non-compliance with federal consumer protection laws and has caused me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: OH

Complaint narrative:
On XX/XX/year>, I received an email from XXXX XXXX attempting to collect a debt allegedly owed to Jefferson Capital Systems , LLC ( original creditor : XXXX XXXX ) in the amount of {$380.00}. 
The email violates the Fair Debt Collection Practices Act in the following ways : 1. MISSING VALIDATION NOTICE ( 15 U.S.C. 1692g ( a ) ) : The communication fails to include any of the required validation notice language. It does not state that the debt will be assumed valid unless disputed within 30 days. It does not state that if I dispute the debt in writing within 30 days, XXXX will obtain and mail verification. It does not state that I may request the original creditors name and address in writing within 30 days. Instead, the email contains only hyperlinks labeled click here and Dispute this debt without the actual required disclosures. 
2. MISSING VALIDATION PERIOD END DATE ( 12 C.F.R. 1006.34 ( c ) ( 3 ) ( iii ) ) : Regulation F requires debt collectors to disclose the date they will consider the end of the validation period. This communication does not include that date. 
3. FICTITIOUS SENDER NAME : The email is signed by XXXX XXXX. According to XXXX own website ( XXXX  ), this is not a real person but a virtual agent name used by their automated system. This disclosure does not appear anywhere in the communication itself, potentially misleading consumers into believing they are corresponding with a real employee. 
The email also acknowledges that this debt is time-barred under Texas law and that Jefferson Capital Systems can not sue me for ityet XXXX is still attempting to collect while failing to provide the legally required disclosures about my rights. 
I am attaching a copy of the email I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: SD

Complaint narrative:
In XXXX, I paid a month ahead on my vehicle loan to cover my next installment. Santander applied it as principal only without advancing my due date and then reported my account as past due. I was not clearly informed this would occur. I requested connection and was denied. This is not the only issue I've had with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FinFit Holding Co, LLC
State: HI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My bank account at TD was frozen I deposited my check like I've done for years on a weekly basis and I was never given a reason and they are holding my money XXXX dollars.

Company response to consumer: Closed with non-monetary relief