vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC
State: ID

Complaint narrative:
FOLLOW-UP TO COMPLAINT # XXXX - SERVICER REFUSING TO HONOR FTC HOLDER RULE I XXXX filed CFPB complaint # XXXX regarding my Ascent Funding private student loan for XXXX. The company closed my complaint without addressing their legal liability. I am filing this new complaint with additional evidence. 

LOAN DETAILS : - Loan originated : XX/XX/XXXX - Original amount : {$21000.00} plus {$1000.00} origination fee ( {$23000.00} total ) - Interest rate : 12.50 % - Current payoff amount : {$35000.00} ( as of XX/XX/XXXX ) - Lender : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Launch Servicing - Account # XXXX, Loan # XXXX THE FTC HOLDER RULE NOTICE IS IN MY CONTRACT : My Credit Agreement ( Section XXXX, Page XXXX ) contains the required FTC Holder Rule notice stating : " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. '' This notice makes Ascent legally liable for XXXX 's fraud regardless of their claim to be " completely separate. '' XXXX 'S FRAUD IS DOCUMENTED BY THE CFPB : On XX/XX/XXXX, the CFPB issued Consent Order XXXX against XXXX XXXX : - Falsely advertised XXXX % job placement rates when actual rates were XXXX % - Executives publicly claimed 100 % placement while internally acknowledging only one-third found jobs - Misrepresented curriculum quality - Violated Truth in Lending Act and FTC Holder Rule I enrolled in XX/XX/XXXX specifically because XXXX these fraudulent placement rate claims. 

ASCENT 'S RESPONSE IGNORES FEDERAL LAW : In response to my previous complaint, Ascent claimed they are " completely separate '' from XXXX and closed my complaint. This ignores : XXXX. The XXXX XXXX notice in my own contract ( Section XXXX ) XXXX. The CFPB 's XX/XX/XXXX Supervisory Highlights establishing servicers must honor fraud defenses XXXX. Their liability under XXXX XXXX XXXX ONGOING HARM : My loan balance has grown from {$23000.00} to {$35000.00} - over {$12000.00} in interest on a loan obtained through federally-documented fraud. Ascent continues collecting on this fraudulent debt while refusing to honor my legal defenses.

UDAAP VIOLATIONS : Ascent 's conduct violates 12 U.S.C. 5531 : - DECEPTIVE : Claiming to be " separate '' while subject to Holder Rule liability - UNFAIR : Collecting on a loan obtained through documented fraud - ABUSIVE : Exploiting my lack of understanding of the Holder Rule

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing inaccurate and unverified accounts that continue to be reported on my credit file despite my repeated written requests for validation. 

On or around, I mailed formal debt validation requests to the collection agencies and to the credit bureaus regarding these accounts. I requested documentation proving that I owe the alleged debts, including a copy of a signed contract or agreement, a full account history, and proof that the collection agencies have the legal right to collect the debt. 

To date, no company has provided any verification or documentation as required under the Fair Credit Reporting Act ( FCRA ). Despite this, the accounts remain on my credit report and, in some cases, were reinserted after being removed, without proper notice or validation. XXXXXXXX XXXX XXXX has been removed from XXXX  and it has not been reflected on this credit profile. I have also disputed this debt and they refused to remove it when it was cleared from the other profile. 

The companies continue to report these accounts as accurate without providing evidence, which is causing ongoing financial harm, including denial of housing and transportation. 

I am requesting that the credit bureaus delete these accounts immediately due to failure to verify and continued reporting of unsubstantiated information, in violation of the FCRA.

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 2026-01-21 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:
On XXXX XXXX I received a alert from XXXX  saying credit card had been open by Amazon Synchrony Bank. I did not open card this was unauthorized/fraud. I called XXXX to report unauthorized operation credit card they closed it and said it would not affect my credit. Today I checked a new inquiry is listed and credit score drop. Please remove this inquiry from all credit reporting companies. Thank you

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 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I have discovered accounts, balances, or collection activity associated with my personal identifying information that I did not authorize, did not open, and am not legally responsible for. Despite my efforts to address these matters directly with the reporting entities, the information continues to be reported and has negatively affected my credit profile, financial stability, and peace of mind. 

I have acted in good faith by reviewing my credit reports, disputing the inaccurate information with the appropriate consumer reporting agencies, and requesting validation from the involved furnishers and collection agencies. In some instances, proper documentation has not been provided, and in others, the disputed information has been verified without sufficient evidence of my responsibility. 

These actions appear to violate consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), by failing to ensure accuracy, conduct reasonable investigations, and cease reporting unverifiable information. 

XX/XX/XXXX for amount {$7100.00} national credit services and XX/XX/XXXX for amount {$12000.00} national credit services and XXXX XXXX XXXX XXXX XXXX XXXX for amount {$2300.00} on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Demand for Immediate Withdrawal of XXXX Report Suspected Fraud Activity ( No Monetary Loss ) I am writing to formally demand that Bank of America immediately withdraw and remove the negative XXXX entry you furnished regarding my closed checking account, which is currently reported as Suspected Fraud Activity despite expressly stating NO MONETARY LOSS. 
This reporting is false, misleading, and materially harmful, and it has caused and continues to cause substantial damage to my ability to function financially and maintain employment. 
Please be advised that the ChexSystems disclosure confirms : No monetary loss to Bank of America No outstanding balance Account closure dated XX/XX/year> The XXXX disclosure is enclosed for your reference. Please be further advised that the alleged fraud arose from a duplicated check that was reported by me as fraud. Bank of America previously cleared me in connection with this matter. Despite this, BOA continues to furnish a stigmatizing fraud designation to XXXX 
Because of this report, not only I am unable to open any bank account, but I can not receive my employment wages via direct deposit. I am also unable to maintain a debit card. I am experiencing serious disruptions to paying rent, utilities, and basic living expenses. This is real, ongoing financial harm, not speculative inconvenience. 
Bank of Americas continued reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : ( 1 ) 15 U.S.C. 1681s-2 ( a ) Furnishing information that is inaccurate or misleading ; ( 2 ) 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable 2 investigation and correct information after dispute ; and ( 3 ) 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

Reporting a consumer as associated with suspected fraud while simultaneously acknowledging no monetary loss and no liability is inherently misleading and unlawful. Courts have repeatedly recognized that false fraud designations are among the most damaging forms of consumer reporting and can support actual damages, statutory damages, punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.

Accordingly, I hereby demand that Bank of America immediately withdraw and delete the ChexSystems entry in its entirety ; Cease all further furnishing of any fraud-related designation associated with my name and Social Security Number . Furthermore, Im requesting that Bank of America provide written confirmation that the withdrawal has been transmitted to XXXX

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America credit card was set to autopay the minimum payment only. I did not authorize any change to pay the full statement balance.

In the prior month, my autopay successfully paid only the minimum payment ( {$62.00} ), consistent with my settings, despite Bank of America sending an email that listed a much higher autopay amount. Based on that prior months outcome, I reasonably relied on my minimum payment setting being honored. 
On XX/XX/XXXX, Bank of America withdrew {$8400.00} from my checking account instead of the authorized minimum payment. This withdrawal immediately drained my account and caused financial harm. 
Bank of America sent automated emails that changed in format and content between months, including listing different autopay amounts, without any clear notice that my actual autopay authorization had changed. I did not change my autopay settings, did not authorize a full balance payment, and did not receive any confirmation that my payment authorization had been modified. 
I contacted Bank of America on XX/XX/XXXX, the same day the payment was withdrawn. I was told the payment could not be reversed, that no provisional credit would be issued, and that I must wait until it posts, despite disputing the authorization immediately. 
Bank of America claimed that I changed my autopay setting to full balance. This is incorrect. I did not make any such change online, by phone, or in person. 
I am disputing the unauthorized change to my autopay instructions, not the underlying balance owed. This constitutes an unauthorized electronic funds transfer and billing error, particularly given the prior months payment behavior and inconsistent automated notices. 
I requested documentation showing when, how, and from what device or IP address the autopay setting was allegedly changed. This information has not been provided.

I am requesting : Immediate provisional credit for the unauthorized {$8400.00} withdrawal A complete XXXX XXXX of the autopay change Written confirmation that my autopay instructions are corrected and secured going forward Bank of America failed to follow my existing payment authorization and failed to provide clear, consistent notice of any change before withdrawing funds.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX I received a charge of {$140.00} on my Apple Card that was not mine. I could see the transaction on my phone. It was from XXXX who I had never heard of so immediately reported it through my phone via the message chat. They instigated a temporary refund and I was advised to change my card details so as this is virtual I changed my card number through my phone. 

On XX/XX/XXXX I received another charge from XXXX this time for {$160.00}. I reported again, got a temporary refund and again changed my card number at their request. I also as my own thought went into my apple account and made sure I was logged out and changed my password. 

On XX/XX/XXXX I received messages for the transactions saying the charges were authorised and the temporary credits were removed. I contacted them immediately to say this is wrong and I did not make these transactions and they are nothing to do with my account. They added a temporary credit and said they would investigate further. 

On XX/XX/XXXX I got messages to say the temporary credits are removed as there is no evidence to substantiate my claims. This was becoming frustrating as I had no idea what these charges were and I was being told the merchant could prove I authorised which is complete nonsense. I called and they were temporarily credited back This happened again on XX/XX/XXXX where I was told I authorised the transactions I called and spoke to Goldman Sachs who sympathised and said they will send me documents to review. They added temporary credits. 

The documents arrived XXXX weeks later and when I investigated I gave them XXXX reasons that they were fictitious. I detailed these and contacted Goldman Sachs with what I could see to know it wasnt me. 

They reviewed and XX/XX/XXXX they removed the temporary credit as they said I authorised them. I contacted immediately and once again let them know it isnt me and asked them to answer my XXXX points I identified to know it wasnt me. They added the temporary credit and said they will let me know the outcome within 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: NC

Complaint narrative:
I respectfully request a full discharge of all student loans held by MOHELA as a result of the companys deceptive, misleading, and unlawful practices. MOHELA misrepresented critical information and failed to properly inform me of available repayment options, which adversely impacted my ability to manage my loans. 

MOHELA misled me by discouraging enrollment in income-driven repayment plans that would have made my payments affordable and eligible for eventual loan forgiveness. Instead, I was repeatedly directed into forbearance or deferment, which caused my loan balance to grow significantly due to capitalized interest. As a result, I have experienced years of financial hardship that have severely impacted my ability to meet my financial obligations. Additionally, MOHELA has repeatedly misreported my payment status to credit reporting agencies, causing substantial damage to my credit score. The misinformation provided by MOHELA representatives delayed my access to more appropriate repayment options and contributed to an overwhelming level of debt far exceeding the amount I originally borrowed. These actions are consistent with the widespread misconduct for which MOHELA has been investigated and sued by multiple states and the Consumer Financial Protection Bureau ( CFPB ). MOHELAs conduct has caused significant financial harm, emotional distress, and a long-term burden that could have been avoided had I received honest and accurate guidance. As a borrower who relied on MOHELAs advice and entrusted them with the management of my student loans, I am requesting full forgiveness of my loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am submitting this complaint regarding the handling of my personal checking account with JPMorgan Chase Bank, N.A., including serious communication failures and procedural issues during a compliance review.

For an extended period of time, I was not notified that my account was under review. I only became aware of the review after returning to the United States recently. The lack of timely notice significantly limited my ability to respond proactively or clarify any concerns earlier in the process. 

After I was informed that additional documentation was required, I promptly provided all requested materials to my assigned banker. These documents related to the source of funds in my account, which consisted of : A one-time personal transfer from my fianc, and Regular monthly transfers representing household support and compensation Both sources were legitimate, non-commercial, and consistent with the senders financial profile. 

Despite my cooperation, I later learned that the documents I submitted were not uploaded or submitted internally by the banker, which appears to have directly contributed to delays and the continued restriction of my account. 
During the past week, while my account remained restricted and I was informed that it might be closed imminently, I made multiple attempts to contact both my banker and the branch manager by email and phone. These outreach attempts received no response, leaving me without guidance or an opportunity to address the situation.

Most recently, I was told that my account may be closed as soon as today, despite my full cooperation, the absence of any explanation of unresolved issues, and the lack of communication from the bank during a critical period. 

I acted in good faith throughout this process and complied with all requests made to me. The ongoing restriction and potential closure of my account appear to be the result of internal handling and communication failures, rather than any refusal or delay on my part. 

As I am currently located overseas, timely and clear communication was especially important to ensure access to my funds and basic financial stability. The lack of notice, follow-up, and response has caused significant disruption and uncertainty. 

I am requesting assistance to ensure that : The bank provides a clear written explanation of the account review and closure decision, if any Previously submitted documentation is properly reviewed A clear and timely process is provided for the release or transfer of my remaining funds The communication and procedural failures in this case are appropriately addressed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I am filing this complaint to document a pattern of inconsistent, contradictory, and opaque account actions taken by Chase Bank across both deposit and credit products within a one-week period. These actions occurred during active CFPB disputes and resulted in financial disruption without transparent explanation or remediation opportunity. Timeline of Events XX/XX/year> I applied for a Chase Total Checking account. XX/XX/year> Chase notified me that my checking account application was denied. On the same day, I filed a CFPB complaint regarding the denial and lack of transparency surrounding the decision. XX/XX/year> Despite the prior denial, Chase approved and opened the checking account. I received confirmation stating the account was active and ready for use. This indicates Chase reversed its own decision without providing any explanation for the change. XX/XX/year> ( Sunday ) Chase sent an email stating that my checking account had been restricted due to potential fraud and may be closed soon. No explanation, documentation, or remediation steps were provided. XX/XX/year> ( Tuesday morning ) Chase closed my Chase credit card account. I immediately filed a separate CFPB complaint regarding the credit card closure. Shortly after XX/XX/year> Chase swept the remaining balance from my checking account using a check debit transaction, disabled my ability to make deposits ( system displayed no valid accounts found ), and effectively terminated the checking account. XX/XX/year> I filed this additional CFPB complaint to document the inconsistent handling of my checking account and to formally link it to the credit card closure and prior CFPB activity. Pattern of Inconsistency Within a single week, Chase took the following contradictory actions : Denied my checking application Approved and opened the same checking account Restricted the checking account for potential fraud Closed my credit card account Terminated the checking account shortly afterward These actions occurred across multiple Chase business lines without any clear explanation, documentation, or opportunity for consumer remediation. This sequence reflects unstable internal decisioning, poor coordination between Chase departments, and lack of transparent consumer communication. Consumer Harm and Regulatory Concerns Chases actions caused : Sudden account access loss Forced balance disbursement without advance notice Disruption of banking services Confusion caused by conflicting account status communications Financial inconvenience and uncertainty Additionally, the timing of adverse account actions immediately following CFPB complaints raises concerns about retaliatory handling and improper account governance practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
am disputing the accuracy of this Affirm Inc. account as reported to the credit bureaus. 

The Problem : This account is inaccurately reported with a 'Date Opened ' of XX/XX/XXXX, a 'Last Payment Date ' of XX/XX/XXXX, and a recent status update in XX/XX/XXXX. This is not a new account from XXXX. It represents an old debt that first became delinquent and was The Violation : Reporting this time-barred debt with recent dates is illegal re-aging under the Fair Credit Reporting Act ( FCRA ) 605 ( c ). The law prohibits reporting most negative items for more than XXXX years from the original date of delinquency. The reported dates are materially inaccurate and create a misleading impression that this is a recent charge-off. 

My Actions : I have not made any payment or taken any action to reaffirm this debt in over XXXX years. I dispute the accuracy of all dates and the legality of its continued reporting. 

Company 's Actions : Affirm Inc. has furnished this inaccurate information, causing significant harm to my credit report.

Company response to consumer: Closed with explanation