vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIRSTBANK
State: CO

Complaint narrative:
On XX/XX/XXXX an online transaction was declined due to NSF. My bank account shows on XX/XX/XXXX a {$1500.00} unauthorized debit posted XX/XX/XXXX labeled XXXX exchange was paid. This resulted in NSF fees, followed by numerous NSF fees and returned/unpaid creditors. I called FirstBank immediately and was transferred to the fraud department. 
I spoke to XXXX whom was familiar with XXXX XXXX. I filed a complaint online with XXXX. 
I went into my bank on XX/XX/XXXX. XXXX XXXX ; Lead XXXX XXXX obtained the details and initiated an investigation. I followed up via phone and email. The email was undeliverable. It was verified as correct. I was informed nothing had been done and that it was accepted by XXXX XXXX who was out of the office. I spoke to another employee named XXXX. We discussed the issues in detail. She advised me to email her and she would forward it to XXXX, which I did. As of today, I haven't received a response. FirstBank approved and paid this transaction despite multiple red flags, such as : XXXX XXXX is known high risk, cryptocurrency merchant, the transaction exceeded available funds, and I do not have nor have I ever had a XXXX account. This transaction should have been declined or flagged for a manual review. I reported the fraud immediately more than XXXX week has passed with no resolution, no provisional credit, and no adequate explanation for why the charge was authorized without sufficient funds. This represents a failure of standard fraud prevention and insufficient funds controls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CT

Complaint narrative:
XXXX  is still showing a balance on my student loan account. I was a part of the PSLF program and they were all forgiven. It should be showing at a XXXX but XXXX  is still reporting a balance. 


Loan Forgiveness and Discharge : PSLF Completed Forgiveness Information Type of Loan Forgiveness Public Service Loan Forgiveness Total Forgiveness Amount {$24000.00} Amount Applied to Principal {$23000.00} Amount Applied to Interest {$850.00} Congratulations! 
Youve satisfied your obligation, and no additional payments are required for this loan. 

Status Tracker Loan Forgiveness Applied Updated on XXXX XXXX, XXXX Your loan servicer has processed {$24000.00} in loan forgiveness, and it has been applied to your account. Well update this page if additional forgiveness is applied. Below, youll see a timeline of when the loan forgiveness was applied to each of your loans. 

XXXX XXXX, XXXX {$14000.00} in loan forgiveness has been applied to Loan : 9 - DIRECT CONSOLIDATED SUBSIDIZED XXXX XXXX, XXXX {$9800.00} in loan forgiveness has been applied to Loan : 8 - DIRECT CONSOLIDATED UNSUBSIDIZED Paid In Full.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have a balance of {$95.00} on an American Express Gift card. Retail stores says its been declined. The expiration date is XX/XX/year>. I confirmed the balance with American Express. 
Can I please get a refund for the balance. 

Thanks, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting by XXXX XXXX. 

Due to documented economic hardship, I requested that XXXX XXXX recover the vehicle. This was a hardship-related surrender and not a willful refusal to pay. However, XXXX XXXX is reporting the account in a manner that mischaracterizes the nature of the surrender and does not reflect maximum possible accuracy. 

The reporting appears incomplete and misleading, particularly regarding account status, dates, and post-surrender information. Under the Fair Credit Reporting Act, furnishers are required to ensure information reported to consumer reporting agencies is accurate, complete, and not misleading. 

I have disputed this information with the credit bureaus and am requesting that XXXX XXXX : Conduct a reasonable investigation Correct or remove inaccurate or misleading reporting Update all consumer reporting agencies accordingly Provide written confirmation of any corrections made This complaint concerns reporting accuracy and legal compliance only. I am not disputing ownership of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for a Citi XXXX XXXX credit card on XX/XX/XXXX. As of XX/XX/XXXX ( 16 days ), the application status remains " Pending - Undergoing Final Verification. '' I received a confirmation email stating the application would be reviewed within XXXX days and provided a link to check status online. The status check link is non-functional, making it impossible to monitor my application through their stated channels. 

I have called multiple times to resolve this : - Initial call ( approximately XXXX XXXX ) : Representative said application " looks good '' and should be resolved in XXXX hours. Only question asked was whether I used a XXXX when applying. I explained I applied from home on my desktop computer. 
- Second call ( XX/XX/XXXX ) : Still showing " undergoing verification '' with no progress or explanation of what is causing the delay. 
- Third call ( XX/XX/XXXX ) : Called the XXXXXXXX XXXX XXXX  at XXXX in XXXX XXXX, XXXX. They stated they could not assist. 

I live in XXXX  where Citibank has no retail branches, making in-person identity verification impossible. Phone representatives refuse to offer alternative verification methods such as knowledge-based authentication, document upload, or one-time passcode to my mobile phone. 

I applied for this balance transfer card specifically to transfer over XXXX dollars in existing credit card debt. The delay is costing me approximately XXXX dollars per week in interest charges on debt I intended to transfer. 

Representatives only provide generic " undergoing verification '' responses without explaining what verification is needed, what documentation I can provide, or providing any meaningful timeline.

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 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Collections agency has notified me that they are seeing me for an 11 year old debt. ( XX/XX/year> ) they have already filed the papers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE 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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was sent two XXXX  payments on XX/XX/2025. I did not receive them. I have contacted support on 5 different instances, an even uploaded ID twice to the support chat. They have said they will get back to me, I have yet to receive a email, or any sort of communication regarding these transactions. My account was suddenly frozen and disabled, while support has responded with I will escalate this to the proper team that leads to 0 contact. It has been almost a month that they have held my funds and refused to give any kind of insight besides stating they emailed me, which I can confirm they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Comenity Bank regarding repeated payment processing and account servicing failures that directly resulted in inaccurate late payment reporting on my credit file. 

On multiple occasions, I attempted to make timely payments through Comenity Banks online payment portal, which was either unavailable, non-functional, or failed to process my payment attempts. In response, I made several attempts to submit payments through alternative methods, including phone payments, which also failed due to system or processing issues on Comenity Banks end.

I acted in good faith and made consistent efforts to pay my account on time. I also contacted Comenity Banks customer service team to report and document these issues when they occurred. Despite having notice of these system and processing failuresand despite my documented attempts to payComenity Bank still applied late payment designations to my account.

These late remarks do not accurately reflect my payment behavior. The missed or delayed payments were not the result of negligence or refusal to pay, but rather Comenity Banks inability to reliably accept payments. Nevertheless, Comenity Bank furnished negative credit information to consumer reporting agencies, causing unjustified damage to my credit profile.

This conduct constitutes inaccurate credit reporting and unfair treatment, as consumers should not be penalized for failures within the creditors own payment systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: AL

Complaint narrative:
Dear Sir or Madam, I am formally requesting validation of the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

This letter is not a refusal to pay, but a notice that your claim is disputed and validation is required before any further collection activity may continue.

Please provide the following documentation : 1. The name and address of the original creditor 2. The full account number of the original debt 3. A complete accounting of the balance, including interest, fees, and charges added 4. A copy of the original contract, application, or agreement bearing my signature 5. A copy of the charge-off statement from the original creditor 6. Proof that your company has legal authority to collect, including licensing for my state 7. A complete chain of title showing all transfers of ownership from the original creditor to your company 8. Documentation showing that the debt is within the statute of limitations If you can not provide these documents, you must cease all collection activity, including credit reporting, pursuant to federal law.

Until validation is provided, you are required to : Stop reporting this account to all credit bureaus Stop contacting me Stop all collection efforts Failure to comply will constitute violations of : FDCPA 15 U.S.C. 1692g, 1692e, and 1692f Fair Credit Reporting Act ( FCRA ) This letter is being submitted as part of a formal Consumer Financial Protection Bureau ( CFPB ) complaint, and I expect full compliance. 

Sincerely, XXXX 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 2026-01-13 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: NJ

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 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc.
State: NY

Complaint narrative:
My daughter has XXXX student loans- I am the co-signor. On XX/XX/year>, there were " adjustments '' made to her XXXX loans. I received amortization schedules on all XXXX loans. On one loan, there were multiple " adjustments '' which is adding money to the loans. My daughter was done with college at that time. Could it have been " interest '', quite possible. However it does not state that. However in XXXXXXXX XXXX XXXX when her loans were coming off the " grace '' period, the amortization schedule clearly states " interest ''. This is very concerning because to me it looks like they are adding more money to her loans for her to pay back. I fully understand paying interest, however, these adjustments are a total of {$5000.00}. Her current loans were {$10000.00} and {$2100.00}. Her third loan was for {$10000.00} as well in which around the same time in XXXXXXXX XXXX XXXX  I made a {$10000.00} payment. On XX/XX/year> I received a phone call that these loans were going to go into an " administrative forbearance '' so they could investigate the loans. As of yesterday I have not had any response. I emailed them again yesterday, and the response I got was it was " interest ''. Again, I feel that I should have a reasonable explanation as to what these " adjustments '' were. More specifically if they were " interest '' it should say that. I want to be sure there is indeed no error that was made... but the responses I keep receiving are very basic answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
After liquidating certain positions in my account and attempting to withdraw my funds, Robinhood automatically restricted my account from making withdrawals. I requested an account review, but instead of resolving the issue, my account was further restricted. All of my remaining positions are now locked, and I am unable to trade or sell them at needed prices. I also can not access my funds, which I need to pay essential bills and expenses. Robinhood provided an estimated resolution date of XX/XX/XXXX ; however, based on numerous customer reviews, the company has a pattern of repeatedly pushing back estimated resolution dates, causing prolonged financial harm. My account deposits and witdraws have always cleared, and there is no pattern of misuse of NSF/chargebacks on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
Dear Sir or Madam, I am formally requesting validation of the above-referenced debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

This letter is not a refusal to pay, but a notice that your claim is disputed and validation is required before any further collection activity may continue.

Please provide the following documentation : 1. The name and address of the original creditor 2. The full account number of the original debt 3. A complete accounting of the balance, including interest, fees, and charges added 4. A copy of the original contract, application, or agreement bearing my signature 5. A copy of the charge-off statement from the original creditor 6. Proof that your company has legal authority to collect, including licensing for my state 7. A complete chain of title showing all transfers of ownership from the original creditor to your company 8. Documentation showing that the debt is within the statute of limitations If you can not provide these documents, you must cease all collection activity, including credit reporting, pursuant to federal law. 

Until validation is provided, you are required to : Stop reporting this account to all credit bureaus Stop contacting me Stop all collection efforts Failure to comply will constitute violations of : FDCPA 15 U.S.C. 1692g, 1692e, and 1692f Fair Credit Reporting Act ( FCRA ) This letter is being submitted as part of a formal Consumer Financial Protection Bureau ( CFPB ) complaint, and I expect full compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
Where is my refund? 

I am a class member of XXXXXXXX XXXX XXXXXXXX in XXXX XXXX XXXX regarding XXXX XXXX to repayment. My case was approved XX/XX/XXXX, and I was notified that the tradelines would be removed from my credit report, that the loans would be XXXX, and that I would be receiving a refund for past payments made. 

Friday, XX/XX/XXXX : Called Aidvantage to receive information on the amount of the refund I am due for payments previously made. The representative could not tell me the amount of refund I was due, nor when I would be receiving my refund. I asked if there was any way to expedite this process and they said no. 

On several occasions I have used the chat feature on the Aidvantage website to inquire about my refund. No one has been able to give me any useful information. One representative told me they did not have what they needed from XXXX XXXX XXXX. I called XXXX XXXX XXXX, and was told that they didn't have what they needed from Aidvantage. I have also been told by Aidvantage that if I was due a refund I would have received a letter. I have not received a letter regarding a refund. I know I am due a refund because my account balances are showing negative, and I have made payments to my student loans in the past. 

My Aidvantage account is correct, so the last step is the refund which they are not interested in issuing to me. They have been holding on to my money, without any known return date, and meanwhile, they are garnishing peoples paychecks who don't pay on their student loans. It appears they are getting what they want, but not giving consumers the rightful refund amount due. 

My loans were XXXX and tradelines removed from my credit report in XXXX. It is now XX/XX/XXXX, and there is absolutely no progress on when I am to receive my refund. I am starting to lose hope that I will ever receive a refund which I am entitled to from this class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I applied for a Chase Bank offer on-line early this morning. A flash screen came up and said I did not qualify for their offer with no explanation. I do qualify for the offer. I emailed Chase executive office at XX/XX/year> XXXX AM asking them to reconsider their decision with a written copy of their offer. I also reminded them time was of the essence since their Reward Offer expired XX/XX/year>. Chase has failed to respond to my email so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: SC

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX

Complaint narrative:
Concorde Auto Acceptance and XXXX XXXX I am filing a complaint regarding improper acceleration, wrongful repossession attempts, and unfair practices related to my auto loan. 

I have made payments on this vehicle for approximately XXXXXXXX XXXX XXXX XXXX XXXX of a XXXX contract. Throughout the loan, the lender repeatedly accepted late payments without declaring default or accelerating the loan. 

Without proper notice or an opportunity to cure, the account was suddenly closed and a lawsuit was filed in XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) seeking retrieval of personal property. A writ of sequestration was issued even though I was not properly served and did not appear at the hearing. 

I dispute the claimed default, the acceleration of the loan, and the attempt to seize the vehicle prior to trial. I believe this conduct constitutes unfair, deceptive, and abusive acts or practices ( UDAAP ), improper credit and account handling, and failure to follow required consumer protection standards.

I am requesting that Concorde Auto Acceptance provide a full accounting, correct their actions, cease repossession efforts, and comply with federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation