vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I am filing a complaint against MOHELA for failure to timely process my Income-Based Repayment ( IBR ) application and for excessive delays in accessing customer service. 

I submitted my IBR application, but MOHELA failed to process it within a reasonable timeframe. Despite my attempts to follow up, the application remains unresolved. This has created uncertainty about my repayment status and obligations. 

In addition, when attempting to contact MOHELA for assistance, I am required to sit on the phone for hours before reaching a representative. This excessive wait time makes it extremely difficult to obtain accurate information or resolve issues related to my account. 

These delays and lack of timely communication have caused me significant stress, especially given the frequent and rapid changes to federal student loan policies and repayment requirements. MOHELAs failure to process my application and provide accessible customer service has negatively impacted my financial planning and peace of mind. 

I am concerned these delays could negatively affect my credit score. I have contacted Mohela multiple times. After a while I disconnect the call.

I am requesting that MOHELA promptly process my IBR application, provide written confirmation of my correct repayment status, and improve access to timely customer service.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: UT

Complaint narrative:
Re : Formal Dispute Alleged Balance {$1300.00} Unverified / Unlawful Reporting This letter constitutes a formal legal dispute, cease-collection notice, and immediate deletion demand regarding the alleged account that Wakefield & Associates is reporting in the amount of {$1300.00}. 

I have repeatedly disputed this account, and despite multiple requests, no lawful validation or supporting documentation has been provided. This account remains unverified, inaccurate, and improperly furnished, and therefore must be removed immediately. 

To date, XXXX XXXX XXXX has failed to produce : a signed contract or service agreement, a complete itemized billing ledger, proof of chain-of-assignment / ownership / collection authority , proof that I am the responsible party, or documentation that the balance is lawful, accurate, and collectible. 

Instead, this account appears to have been bought, sold, transferred, or traded for monetary gain without my knowledge, consent, or authorization, and is now being reported without legal verification. 

This conduct constitutes violations of : FCRA 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( b ) furnishing information known to be inaccurate / failure to correct after dispute FDCPA 15 U.S.C. 1692g ( b ) continued collection without validation FDCPA 1692e & 1692f deceptive and unfair collection practices Because the account is unverified and unlawfully furnished, it must be : Deleted from all credit bureaus immediately, and all collection activity must cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
The first week of XXXX I received a email stating that my SoFi Bank Checking account will be closing at the time of this email I currently had/have {$450.00} in my account. I have XXXX calling every week and all I get is the same response Your account is in for closure we do not have a specific time that the closure will be finalized..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX = XXXX XX/XX/XXXX - XXXX i reported them, they got closed, i called for reinsertion the first time and uploaded documents like, messages of him admitting to taken my money, it did not reopen. So i called the second time, asked for it reinserted again, added the messages of the cops who would be taking my case, called today for a XXXX  time and asked for it reinserted again after i uploaded the affidavit of service, affidavit of fraud etc, so now i am now waiting longer for my credit or refund when I HAVE BILLS DUE and did not ask him to make any transactions on my account, when he left me a year AGO! XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I am filing this complaint regarding PayPals improper handling of a buyer protection dispute involving a {$21000.00} transaction. 

PayPal Case Number : XXXX XXXX ID : XXXX Transaction Date : XX/XX/year> Transaction Amount / Dispute Amount : {$21000.00} USD I purchased a XXXX XXXX XXXX XXXX XXXX  on XXXX using PayPal. The seller was later determined to be fraudulent. I opened a dispute with PayPal and fully complied with every instruction provided to me within the required timeframes. 

PayPal instructed me to return the item. The seller provided a return address that was invalid and internally inconsistent, combining a XXXX, New York address with a XXXX XXXX ZIP code. Despite this discrepancy, I shipped the item exactly as PayPal required. 

The shipment was returned to me by XXXX due to the incorrect address provided by the seller. I possess multiple forms of XXXX documentation proving that the return was shipped, including the original shipping receipt and a stamped and signed XXXX printout confirming that I mailed the package. 

PayPal has based its denial entirely on the claim that the item was not returned, despite clear proof that I did return it and that the failure of delivery was caused by the sellers fraudulent return address. I believe the seller intentionally provided a false address to prevent successful delivery. 

I have contacted PayPal by phone approximately XXXX times attempting to have my evidence reviewed. Each time, I was unable to reach anyone willing or able to actually review the documentation. My case was repeatedly closed without consideration of newly submitted evidence. 

PayPal also instructed me to report this matter to the Internet Crime Complaint Center ( IC3 ), which I did. I am attaching a screenshot of the IC3 report XXXX as evidence that I followed this instruction. 

I did everything PayPal asked me to do, on time and in full. Despite this, PayPal has refused to conduct a fair investigation and continues to rely solely on a technicality that ignores the documented facts of the case. 

I still retain the original counterfeit booster box, as well as the original shipping box with the return label affixed, further demonstrating that the return attempt was made exactly as instructed. 

I am requesting that PayPal conduct a proper review of all submitted evidence and issue a full refund of {$21000.00} USD. The failure to complete the return was the direct result of seller fraud, not any failure on my part. 

PayPals repeated refusal to review evidence, despite extensive documentation and multiple follow-up attempts, has caused significant financial harm and represents an unfair handling of a consumer dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
On or about XX/XX/year>, I filled out a form for a delay of my mortgage payment with Chase Mortgage. I received an email asking me to call them. I called in and told the XXXX what I needed and she called me a XXXX and hung up. I called back and finally after much persistence, got to the Mortgage Assistance department. The woman took my information and refused to answer any of regarding how a delay or forbearance would affect my credit report and what were the terms of repayment. She told me the report to the credit bureaus would " tank '' my scores and I would be forced to pay back the entire delay or forbearance in XXXX lump sum which is unrealistic. She never sent me the form I needed to make my request. I have contacted the Mortgage Assistance department several times and no one answers, This has gone on since XXXX. 

Today, XX/XX/year>, I received an email from Chase stating they needed more information. I called, finally got to the Mortgage Assistance department to have a man ridicule me for asking for this service since the reason for my request in XXXX was due to the government shutdown and I am a federal employee who didn't see a paycheck for XXXX pay periods. This man laughed and said that the reason for the consideration was because of the shutdown and that is over. What he didn't ask before he started mocking me is that I have several bills to catch up on now since going without XXXX paychecks. I need this forbearance in order to catch up. I also know that Chase has the ability to put this payment at the end of my mortgage and not destroy my credit rating which ties in with my federal clearance. Would you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: NC

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 explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: IN

Complaint narrative:
This issue is involving CHIME XXXX XXXX XXXX XXXX  .. My daughter passed away and I am the executor of her estate. I have emailed over all documents needed and have been told on multiple emails that the case is being processed and waiting for approval! It has been over XXXX months now and Im at my breaking point! I am considering having an attorney look into this matter! I also bank with CHIME but will be closing out my account due to this issue!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I discovered that Midland Credit Management ( MCM ), acting as a debt collector for four alleged accounts, is reporting unverified and inaccurate information and continues collection activities despite receiving disputes and evidence of identity theft. MCM received notice of my XXXX  disputes ( triggering its duties under FCRA 623 ( b ) ) yet failed to conduct a reasonable investigation or provide documentation proving the debt. MCM also ignored the FTC Identity Theft Report and police report I submitted. The accounts now appear twice on my credit file with different balances, suggesting reaging and duplicate reporting. These actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Key violations and supporting precedent : Willful FCRA violations : In XXXX  v. Midland Credit Management, a federal jury awarded {$100000.00} in actual damages and {$620000.00} in punitive damages for Midlands willful failure to investigate repeated credit report disputes theXXXX XXXX  XXXX  : In XXXX, the CFPB sued Encore Capital Group and its subsidiaries Midland Funding and Midland Credit Management for violating a XXXX consent order ; the stipulated final judgment required {$79000.00} in consumer redress and a $ XXXX civil penalty consumerfinance.gov. The Massachusetts Attorney Generals XXXX press release notes a $ XXXX settlement with Midland and its affiliates to resolve allegations they collected debts without sufficient proof and engaged in deceptive tactics XXXX Failure to validate and reaging of debt : MCM has failed to provide the chain of title, original signed contract or any documentation proving I owe the alleged debt, as required by FDCPA 809 ( b ). The duplicate entries and different balances on my credit report show potential reaging. 

Failure to block identitytheft information : Under FCRA 605B, a furnisher must block and cease collection of information after receiving an identity theft report. MCM continued collection and reporting despite the police report and FTC Identity Theft Report I provided. 

Damages and claim value : I have documented at least 20 discrete violations of the FCRA, FDCPA and TCPA across four accounts. Statutory damages are up to {$1000.00} per violation, so my minimum counterclaim is {$20000.00}, plus actual damages for emotional distress and loss of credit opportunities. Under the FCRA, willful violations can support punitive damages that may exceed {$700000.00}, as in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am writing to formally request a review of the recent limitation and/or ban placed on my PayPal account . I believe this action was taken in error, and I am requesting clarification regarding the specific reason for the restriction. 

I am requesting the following : A detailed explanation of the policy or violation that led to the account action. 

A review of my account activity and reconsideration of the ban. 

If applicable, the release of any held funds in accordance with PayPals policies. 

I have complied with all requests for information and have acted in good faith. I respectfully request a written response within a reasonable timeframe. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I have a secured installment loan for solar equipment with GoodLeap. This complaint is not requesting removal of the active UCC-1/security interest and is not a payoff or payment dispute. The issue is GoodLeaps failure to provide the corrective UCC-3 termination submission documentation they acknowledged is needed to correct the public record. 

On XX/XX/year>, GoodLeap confirmed in writing that two UCC filings were related to the same security interest and stated it would move forward with processing a termination for the earlier filing to correct the record. GoodLeap later reiterated the security interest is for financed equipment only and does not attach to real estate. 

On XX/XX/year>, GoodLeap again confirmed in writing it was currently processing the termination for the earlier filing and that it would gather and return the requested documentation, including the recorded UCC-3 termination details.

Despite repeated follow-ups by email and phone, GoodLeap has not provided either : the UCC-3 termination copy as submitted / proof of submission for recording, or written confirmation that the UCC-3 has not been submitted.

Instead, GoodLeap repeatedly responds with general statements that the UCC-1 will remain until the loan is satisfied and asks whether a separate real estate transaction is a sale or refinance, which is not relevant to the limited record-cure request. This continued delay and lack of documentation prevents title from clearing the county record item tied to the earlier filing.

Our title company confirmed in writing that the closing is at a standstill until it receives the recorded UCC-3 termination for the earlier filling tied to XXXX XXXX XXXX XXXX ( Goodleap filing XXXX ) for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Company Info : EXETER FINANCE LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

On XX/XX/2025, a repossession company picked up my vehicle from my residence. Exeter Finance stated that a Notice of Intent ( NOI ) letter was sent by mail, but I never received it. I only became aware of the NOI when I accessed it in my online account documents after the fact. Additionally, the NOI did not clearly specify the exact cure period, creating confusion about the payment deadline. 

I was verbally informed that I had 17 days to make a payment, and later told it was 15 days. During my calls, I was also told that the company does not provide a specific cure period because the timeframe is not known until the NOI is issued, which contradicts the prior information I received. This shows that Exeter Finance staff provided inconsistent and inaccurate information, contributing to confusion and improper handling of my account. 

I called and made a {$1200.00} payment on XX/XX/2025, which was still within the 15-day window. Despite this, the vehicle was sold the same day for {$4600.00}. 

I was actively communicating with the company, and payment was accepted ; yet the sale proceeded on the same day. Exeter Finance even provided me with the contact information and location to retrieve the vehicle, which was impossible to access, further demonstrating confusion and mismanagement by the company. 

I contacted Exeter Finance multiple times to resolve this. During my last call, a manager named XXXX explained that she was the one who spoke with me previously and advised me to dispute the payment. 

The mishandling of my account and vehicle sale caused significant stress, inconvenience, and financial burden, and I am requesting consideration of compensation for these impacts as part of the resolution. 

I am seeking a review of the sale and a resolution, which includes : Reversing the sale of the vehicle Crediting or removing any remaining payments from my account Removing any negative reporting related to this account from my credit report Consideration of compensation for stress, inconvenience, and financial impact I am requesting this complaint be documented, escalated, and resolved appropriately, as the sale occurred despite payment being made within the stated cure period and conflicting timelines being provided. 

Requested Action : Immediate review of the vehicle sale and account records Reversal of the sale or crediting of remaining payments Removal of any negative credit reporting associated with this account Consideration of compensation for the stress, inconvenience, and financial impact Formal acknowledgment and escalation of this complaint by Exeter Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I attempted to create a XXXX with Openbank by Santander. I was declined. When I called the company they claimed that there is no way to tell me why it was declined and no way to change it. They confirmed that they did a credit check so it would impact my credit but refused to provide any other information or anyway to get this information.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: MO

Complaint narrative:
Someone stole my identity and they took out loans thru AVIO CREDIT and SPEEDY CASH in XX/XX/year>. I have made many attempts to get this resolved and AVIO CREDIT has failed to comply with the Fair Credit Reporting Act. I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) against AVIO CREDIT and their partner SPEEDY CASH. CFPB complaint AVIO CREDIT : XXXX and SPEEDY CASH : XXXX. Those complaints were from XXXX XX/XX/year>. Now fast forward to today, Tuesday, XXXX, I get a call from XXXX XXXX XXXX ( XXXX ) and they said they purchased a debt from Avio Credit, the same fraudulent loan back in XXXX. Avio Credit sold a fraudulent debt to XXXX and now XXXX is trying to collect {$3400.00}.

Company response to consumer: Closed with explanation