vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: IN

Complaint narrative:
Failed to implement my loan discharges demanded by the dept of education. Incorrectly reported double the amounts to BOTH CREDIT BUREAUS! Then FORCED ME TO TAKE ALL LOANS THAT WERE SUPPOSED TO BE DISCHARGED AND MADE ME get them in a consolidated loan, stating that only then would they be discharged!!!!! THEY ARE PRESENTLY STILL NOT DISCHARGED! And XXXX was also aware of what was going on!!! I thought these reports were supposed to help the consumer. I have yet to get much help from this website? I have all recordings of phone calls with MOHELA requesting that I consolidate the loans that were to be discharged. And them stating they would be discharged after consolidation. I also have recordings of Advantage. All of them are should be investigated for illegal practices to do with these loans. Considering Mahela cost me from getting a home loan due to double reporting of my loans I have more than enough for a lawsuit. XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding a fraudulent account that has been reported on my credit report. I recently discovered a collection account associated with XXXX XXXX XXXX company that I do not recognize. I have never opened authorized or had any business relationship with this company. This account was opened without my knowledge or consent and appears to be a result of identity theft. I have already completed an official identity theft report with the federal trade commission and am formally disputing this 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 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
We had purchased FHA home loan XX/XX/year> from XXXX mortgage payment was XXXX dollars including mortgage, home insurance and taxes. Our loan had gotten bought out by Carrington Mortgage at the end of XXXX @ the XXXX. At this time we had contacted XXXX to help us out for information no help because loan had been purchased by Carrington Mortgage. We were able to access Carrington web site till after about the XXXX th of XXXX. Once we did access account we saw that our payment had originally gone up to nearly XXXX dollars. No information was ever passed long to Carrington from XXXX for at least 25 days. We contacted Carrington to escrow analysis the lady on phone said it will take 2 weeks to complete and to hold off paying anymore money till analysis is complete. Well our payment went XXXX dollars, Added very expensive Insurance on to home loan. making it hard for us to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Recently, I had a merchant ( in error and not intentionally ) charge me on XX/XX/XXXX for a service that I had communicated to be stopped. This charge was billed in error, and I reached out to the merchant. I made several attempts and it wasnt resolved in a timely manner, so I then filed a dispute on XX/XX/XXXX. The same day I filed a dispute the merchant did issue a refund reversal and corrected the problem. When I then called Capital one to ask them to drop the dispute and reverse the adjustment / charge back they made on my behalf, they refused and said that the merchant has to follow the process- even though they corrected the issue the same day the dispute was opened and the refund processed on XX/XX/XXXX. I have now had a - {$130.00} balance- and have had this balance for two weeks. I am very frustrated at Capital One for not dropping the dispute at my request and - adjusting my balance back to XXXX/lifting the credit reversal on Capital One 's end. The merchant did send the {$130.00} charge back that was in error. To note this was just a billing mistake with the software and not a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On XX/XX/2026 I made my XXXX car payment. It was to be drafted from my checking account. Bridgecrest Account # XXXX. Confirmation # XXXX. This morning I checked my bank account and noticed the transaction had not been processed. I then went back into the Bridgecrest app to fing out I had been assessed a late fee and that the payment had not been updated. I then paid by debit card and was assessed a fee for doing so as well as the late fee. When i called Bridgecrest, the representative could not tell me why my payment was reversed and told me I would not be reimbursed for any fees. This has interrupted my 2 year on-time payment streak and hurt my chances of getting a better refinance loan. I would like Bridgecrest to be held accountable for unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-05-05 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: NJ

Complaint narrative:
I am applying for loan forgiveness, income base loan repayment and loan deferment. I was told that all late payments report and what we removed.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
b'On or around XX/XX/XXXX I discovered my card was not working. I went to my app and saw an option to activate my card. I didn\'t understand it because this is the same card I was successfully using XXXX.\nI called Avant and read the numbers to them at the restaurant where I was dining and they told me they closed the card for fraud I reported in XX/XX/XXXX. I didn\'t report fraud I filed a dispute and I have filed a dispute before which didn\'t result in my card being closed. As a result Avant informed me I had to use a new card they mailed to me. I few months later i located the card and activated it. Again the card didn not work and I called Avant. Avant said i could not use the card because I told them the crd was lost. I did not such thing. So twice they have mishandled my account. Closing my card for fraud instead of a dispute and 2ndly closing the card they mailed me in XX/XX/XXXX as lost and I never reported it as lost because i had no knowledge it was sent to me until I attempted to use it at a restaurant in XXXX.\nAvant offered to send me a 3rd card but refused to send it to my address. They claim my address is a "PO BOX". I explained this is the same address and only address they sent previous cards. I spoke to supervisor XXXX XX/XX/XXXXwho was conferenced in with Property manager and he said to email him at XXXX" proof of address and we did. He said since my unit number changed within the week and I didnt have a picture ID with the new address he needed a document to confirm after that my card will be sent. I did and the card was never sent and i was never reconnected with XXXX. I informed XXXX I have no other mailing address there for AVANT is denying my consumer right of privilege and I have been impelled with loss of enjoyment of life.\n\nI made calls to resolve XX/XX/XXXX, XX/XX/XXXX XXXX 1XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XXXX, XX/XX/XXXXXXXX XX/XX/XXXXXXXX and XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX three times. Avant is unreasonable unprofessional illogical and I need to pay for my mom\'s medical while she is fighting XXXX XXXX XXXX in the hospital.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We have an account with wells fargo. Between XX/XX/XXXX and XX/XX/XXXX wells Fargo allowed a takeover of our account and {$68000.00} was removed from our business account. They are refusing to return our money to us. We also became aware that this bank has a history of not protecting accounts and is a party to a class action lawsuit from XXXX involving wires from accounts of its customers. We have made numerous attempts to cooperate with the bank and I received a letter stating they are not responsible even if we didn't authorize the wire transfers. This is an outrage to not protect our account and then leave us with no money to pay our employees. I hope something can be done to get them to return our stolen money from us.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year>, I went to a Bank of America ATM to withdraw {$1000.00} and {$600.00}. I only received the XXXX But my XXXX account showed that I received both sums. I disputed the transaction but Bank of America says they provided proof to XXXX claiming I received both sums. Neither institution has provided any documentation that proves I received the money. I am filing a police report to obtain footage, but figured this way may work as well.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2026, I went to a XXXX XXXX XXXX ATM to withdraw {$1000.00} and {$600.00}. I only received the XXXX. But my USAA account showed that I received both sums. I disputed the transaction and was temporarily granted a credit but XXXX XXXX XXXX says they provided proof to USAA claiming I received both sums. Neither institution has provided any documentation that proves I received the money. I am filing a police report to obtain footage, but figured this way may work as well.

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 2026-05-05 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: TX

Complaint narrative:
Take a look at the materials ; the questions arrived unexpectedly and might not have authorization.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AZ

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am submitting a complaint regarding a denied debit card dispute in the amount of XXXX XXXX.On XX/XX/XXXX, I was involved in a minor vehicle accident in which I lightly scratched another car. We exchanged phone numbers, and the other driver informed me the vehicle was a rental. Later, I got a phone call from the other driver along with another person on the line claiming to represent a company called XXXX XXXX XXXX, stating they handled rental car damage claims. During the call, I was told I owed {$12000.00} for damages and that insurance would not be accepted. Both the other driver and I questioned this, stating we both had insurance but the individual continued to apply pressure for immediate payment, claiming that our insurance was invalid. Under these circumstances, and believing the situation was legitimate, I agreed to pay a reduced amount of {$890.00}. I provided my debit card information over the phone. The transaction was initially declined multiple times through NFCU, but I later approved it through a verification prompt sent to my phone on the mobile app. Shortly after completing the transaction, I reviewed the emails sent to me, stating i booked a car with the company, and the communication over the phone with the company and realized that this was a scam. The company became completely unresponsive. I received no documentation, or legitimate follow-up regarding the alleged damage claim. The business appears to be illegitimate. I reported this to my bank, but my claim was denied on the basis that the transaction was authorized. However, the payment was made under false pretenses due to misrepresentation and pressure tactics. I would not have approved the charge if I had known the true nature of the transaction. This situation qualifies as services not rendered and fraud by deception. I am requesting that this claim be reopened, properly investigated, and that I receive a full refund of {$890.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: TN

Complaint narrative:
On or about XX/XX/year>, I reviewed my XXXX credit report and discovered multiple accounts being reported that I do not recognize and did not authorize. The accounts include : * XXXX XXXX XXXX XXXX reported as 120 days late ( balance listed as {$0.00} ) * XXXX XXXX charged off account * XXXX XXXX XXXX/ XXXX XXXX multiple accounts reported * XXXX XXXX / XXXX account reported with adverse history * XXXX XXXX collection account ( approximately {$1100.00} ) * Reliant Capital Solutions collection account ( approximately {$2700.00} ) I have never opened, applied for, or signed any agreement for these accounts. I have no contractual relationship with any of these companies. After discovering these accounts, I disputed them with XXXX, stating clearly that they are not mine and requesting verification. However, these accounts continue to be reported without any documentation being provided to me showing that I am responsible for the debts. These accounts are being reported with negative information such as late payments, charge-offs, and collections, which is damaging my credit. XXXX has failed to provide actual proof of these debts, such as signed contracts or account documentation, and appears to have either not conducted a reasonable investigation or is relying on unverified information. I am requesting that these accounts be fully investigated and that any account that can not be properly verified with documented evidence be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Chime Financial Inc
State: GA

Complaint narrative:
I had an account with Chime bank and they closed XXXX account while I still had a loan balance .. I contacted Chime and was told that I can't pay the loan .. I called several times and was told the same thing .. I have them recorded saying that Chime has considered it paid off or charged off but they keep reporting late payments on my credit report .. this is crazy, I've never heard of a company saying they can't accept a payment to repay the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, an UNAUTHORIZED charge was made utilizing my information by UNKNOWN INDIVIDUALS in XXXX XXXX State XXXX XXXX XXXX ) I reside in XXXX XXXX was present in XXXX XXXX at the time of this fraudulent charge. I had the debit Card in my possession in XXXX XXXX at the time of this fraudulent charge. I filed a report with Citibank, the charge was NOT REMOVED from my account with NO EVIDENCE provided to me. I made several visits to a Citibank branch in XXXX to discuss this matter to no avail. Any contact I was able to make was in telephone contact to the XXXX whereas I could not even understand the Rep. In no way was this my charge yet Citibank arbitrarily has taken the money from my account, providing NO INFORMATION. The charge was made at a XXXX in XXXX XXXX where it is WELL KNOWN by XXXX XXXX Police that a fraud spree is ongoing ( In ALL LOCAL Newspapers ) and also a location I have never visited.

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