vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 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: NM

Complaint narrative:
I received a letter titled Final Notice about student loan forgiveness dated XX/XX/XXXX. I contacted Mohela and uploaded all of my PSLF documentation accordingly on XX/XX/XXXX. I then spent 4 hours on the phone between Mohela and student aid.gov and was reassured that I didnt need to consolidate my loans because they were all Direct Loans. I was told all of my loans, Graduate and Undergraduate, would be forgiven at the same time. My Undergraduate Loans were forgiven XX/XX/XXXX. I followed up again and was told my Graduate Loans would be forgiven once the deferment ended. Instead, an auto payment is scheduled for XX/XX/XXXX in the amount of {$320.00}. My Graduate Loans should be forgiven.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am submitting this complaint because Wells Fargo failed to properly investigate and classify my dispute regarding a transaction connected to XXXX. On XX/XX/year>, I deposited {$1000.00} with XXXX. After placing and winning my bets, I attempted to withdraw my funds. XXXX then required me to send identification, including my drivers license. Soon after, they denied my withdrawal and claimed there was an issue tied to rollback and play-through requirements. The original play-through requirement I understood was 1x, which I met after winning a XXXX XXXX. However, XXXX later claimed that bonus credits provided by one of their agents changed the requirement to an extremely high play-through amount, which was never clearly disclosed to me before the transaction or before I accepted the funds. This made withdrawal practically impossible after I had already deposited and played under different expectations. In addition, although my deposit was {$1000.00}, my Wells Fargo card was charged {$1100.00}. A XXXX representative stated that the charge should have been corrected/refunded back to the proper amount of {$1000.00} after my withdrawal was denied. However, that did not resolve the issue, and I was still left with a charge that did not match the amount I authorized. Another major concern is that the billing descriptor did not clearly show XXXX or a gambling/sportsbook-related merchant. Instead, the transaction appeared under a clothing-related merchant description. I believe this billing descriptor was misleading and prevented the transaction from being accurately identified and investigated. I reported this issue to Wells Fargo and explained that the dispute was not simply a duplicate charge. The issue involved an incorrect transaction amount, misleading merchant billing information, failure to provide the service/funds as represented, and a merchant refund/correction that was not properly completed. Despite my attempts to explain the situation to multiple Wells Fargo representatives, Wells Fargo mislabeled or mishandled the claim as a duplicate-charge issue, which did not match the facts of my dispute. Because Wells Fargo did not correctly classify the dispute, I do not believe a reasonable investigation was completed. I am requesting that Wells Fargo reopen and properly investigate this matter as an incorrect and misleading card transaction, not merely as a duplicate charge.

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 2026-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: NC

Complaint narrative:
Optum Bank is the custodian of my companys XXXX. I have heath and dependent c are funds deposited bi weekly from my paycheck into Optum bank. My dependent care monthly daycare bill is XXXX . This is a recurring bill that I will have for the next four years. {$250.00} is taken bi weekly from my paycheck and deposited in Optum Bank to be disbursed back to me for my dependent care needs. As the max government allowed amount is {$5000.00} towards dependent care XXXX, I meet this threshold within a few months of daycare bills. Optum Bank has repeatedly refused to disburse the funds collecting in my dependent care XXXX in a timely manner. Ive shown proof of the recurring monthly bill many times over. This should be a simple transaction. If it needs to be a monthly {$500.00} disbursement as they are unable to process the {$250.00} bi weekly, then that is fine too. As we speak {$500.00} is sitting in my XXXX account with no explanation as to why it hasnt been disbursed. A new denial letter arrived in my inbox this morning with jargon about being unable to pre-disburse funds which I have never requested. All I ask is that the amount that comes out of my paycheck, into Optum bank, be disbursed back to me in a timely manner. It is my belief that they are working to make it as difficult as possible to retrieve my funds in order to exhaust customers so they can keep any funds were unable to extract by plans end ( which for me is in 60 days ). As my employer selects my XXXX custodian I am unable to move banks. I would like a remedy for dependent care disbursements put in place by Optum. The dependent care limit has been raised to {$7500.00} for next plan year by the government. As a family with young children I need the tax savings that an XXXX provides. A predatory organization like Optum is negating the relief that the government was hoping to provide to families when developing these plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like XXXX days of no reaction. Please Remove/ Deleted the following Items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$2000.00} PROPERTYRECE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX Balance Owed : {$160.00} XXXX XXXX XX/XX/year>

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 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
On XX/XX/XXXX, I received information from my credit report app that I lost XXXX points and since then it has been steadily decreasing. After looking into the issue, I found out it was because I owe Mohela {$59000.00}. I never once received any information or formal notice that on XX/XX/XXXX, my payments would be disbursed. I also had to create an account with them to be able to see how much I owe etc., I originally thought that it was because they might not have had my information, however, they did as well as my mother who is my co-signer. We both went through all of our emails, phone records, mail etc., and the only thing my mom got was an email in XXXX about changes that were being made to the website. I also reached out to them regarding me possibly getting a repayment plan as I wasn't aware of the payments and they emailed me back saying they reached out multiple times ( which they didn't ). My family and I are extremely frustrated by this situation as it is putting a halt on me being able to move-out and re-finance my car ( which both need credit ). This is especially upsetting as I have been paying off other loans ( see in attachments ) since I was enrolled at XXXX XXXX. At this time, it seems like they are unwilling to work with me and want me to resolve this situation with a re-payment plan.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
b'On or about XXXX XXXX I visited a XXXX phone store XXXX NV inquired about cell phone plans. I gave permission for a credit check but refused terms offered and left the store without making a purchase. \nI received a letter from a collection agency \nCredence Resource Management XXXX XXXX account XXXX stated I owe $XXXX on a XXXX ACCOUNT. \nI advised this company I do not have nor have I ever had a XXXX account. I requested no further contact.\nCredence Resource continued to text and call me attempting to collect a debt on an account I have never had.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
With sincere respect to request a goodwill adjustment regarding a late payment reported on my credit account. during the time the payment became overdue I experienced a severe medical emergency that resulted in my being placed in a medically induced come. This unexpected life threatening situation left me physically unable to manage my personal affairs or financial obligations for an extended period of time. Prior to this medical crisis, I worked hard to maintain my financial responsibilities and payment history. The late payment does not reflect my usual character or commitment to honoring my obligation. Once I recovered and became aware of the missed payment I took immediate steps to bring the account current. I respectfully ask that you consider removing the late payment reporting as a one time goodwill adjustment in light of these extraordinary medical circumstances. This difficult period had a significant impact on my life, and I would be deeply grateful for your compassion and understanding. I value my relationship with your company and appreciate your time and consideration of my request. Thank you for reviewing my situation and for any assistance you may be able to provide.

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 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Issue 1. I filed a transaction dispute claim for a fradulent charge. I provided all the information and evidence the company requested. They first closed the dispute claim on their own without any due diligence leading me to file a repeat claim. This time they didnt record the information provided correctly and closed the case again by sending a letter. They didnt provide any evidence of them trying to contact and charged me the entire amount. Issue 2. Due to issue 1 being unresolved, I called the company to close the account. They are still charging me annual fee despite account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates for inaccurate credit reporting, failure to provide proper validation, and furnishing unverifiable information to consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Portfolio Recovery Associates is reporting a collection account on my XXXX credit report as a Debt Buyer Account with Narrative Code 057 ( Collection Account ). I formally disputed this account and requested a complete Method of Verification ( MOV ), chain of assignment/ownership, original account documentation, and competent evidence establishing Portfolio Recovery Associates authority to collect and report this alleged debt. Despite these requests, Portfolio Recovery Associates failed to provide : Original signed agreement or contract bearing the consumers signature Complete chain of title/assignment from the original creditor to Portfolio Recovery Associates Account-level billing/payment records Documentation supporting the Date of First Delinquency being reported Evidence of a lawful and reasonable investigation beyond automated verification systems Documentation proving the reported balance and delinquency timeline are accurate Instead, Portfolio Recovery Associates merely continued furnishing the same disputed information to XXXX without competent verification. The reporting itself raises concerns regarding accuracy and compliance. The account is reported as opened on XX/XX/year> while simultaneously reporting a Date of First Delinquency of XX/XX/year>. As a debt buyer, Portfolio Recovery Associates must maintain and furnish complete and accurate original delinquency information. I dispute the accuracy and verifiability of the delinquency chronology and reporting data. XXXX dispute results also demonstrate that the furnisher simply reaffirmed the reporting without providing actual supporting documentation. This suggests the account was verified through automated systems such as e-Oscar rather than through a true reasonable investigation as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Me and my family were effected by the XXXX fire. My Wife lost her job working at XXXX XXXX XXXX and we also lost our home in the aftermath. We expressed this to Capital one at the time and during the XXXX XXXX XXXX we were victims of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX credit account opened in connection with a XXXX XXXX XXXX agreement on XX/XX/year>. I discovered this new credit card account on XX/XX/year> after receiving a notification from XXXX XXXX. Without that notification, I would not have been aware that the account had been opened or that it was impacting my credit. During a door-to-door sales visit on XX/XX/year>, the financing was described only as a soft credit check, and it was not clearly explained that a revolving retail credit account would be opened and reported to the credit bureaus in a way that could significantly impact my credit utilization and credit score. There does not appear to be a hard inquiry on my credit report. However, I later discovered a XXXX XXXX credit account reporting approximately 71 % utilization, which resulted in a significant decrease in my credit score ( approximately XXXX to approximately XXXX ). I also received written email communication from the XXXX representative extending my cancellation/grace period to XX/XX/year>. XXXX is currently enforcing a cancellation deadline of XX/XX/year>, which is inconsistent with the written communication I received. During the sales process, I was provided with inconsistent and unclear information regarding key terms of the agreement. This included conflicting representations about the cancellation period, inconsistent statements regarding promotional offers ( one free month versus three free months ), and an insufficient explanation that the financing involved a revolving retail credit account that would be reported to the credit bureaus and impact credit utilization and credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because you failed to conduct a reasonable investigation regarding an explicit inaccuracy on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). I submitted a formal dispute regarding these accounts. The information reported is entirely inaccurate. The company continues to report the account, which is negatively affecting my credit.

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 2026-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally file a complaint against Capital One regarding a payment dispute involving {$3500.00} that I submitted toward my secured Capital One credit card account through XXXX XXXX from my external bank account. On the date of the transaction, I authorized a payment of {$3500.00}, which after XXXX XXXX fees totaled {$3500.00} debited from my personal bank account, as confirmed by screenshots from both my bank account and my XXXX XXXX account showing the full charge. Despite this, Capital One only credited my account {$35.00}, leaving {$3400.00} completely unaccounted for. When I reported this error to Capital One, rather than investigating and correcting the mistake promptly, they froze my account and issued a temporary credit that was entirely inaccessible to me because the account was simultaneously frozen, rendering the credit useless. I further explained to Capital One that my intent in making this overpayment was to increase the credit limit on my secured card, which was originally {$200.00}, and their representative told me that is not how it works, which I understand, and so I then requested that they issue me a refund check for the overpaid balance, which they flatly refused to do. As a direct result of Capital One 's failure to properly credit my payment, refund my money, or provide any functional resolution, I have fallen behind on other financial obligations and am now incurring interest charges that I would not otherwise have, causing me documented financial harm. In frustration over the complete lack of resolution, I was compelled to cancel my secured credit card, which I would not have done had Capital One handled this matter appropriately. The following federal laws may have been violated by Capital One 's conduct : the Fair Credit Billing Act ( FCBA ), which requires creditors to investigate and resolve billing errors within specific timeframes and prohibits adverse actions like account freezing during an active dispute ; the Truth in Lending Act ( TILA ) and Regulation Z, which govern proper crediting of payments and cardholder protections ; the Consumer Financial Protection Act ( CFPA ), under which Capital One 's refusal to return funds they are holding without legal basis may constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) as defined and enforced by the Consumer Financial Protection Bureau ( CFPB ) ; and potentially the Electronic Fund Transfer Act ( EFTA ) given the electronic nature of the transfer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding LLC placed a {$1700.00} debt on my credit without notifying me that they were collecting is that. After receiving notice via phone call that I owe a bill with them I asked them can they provide the signature page and validation of this account I receive nothing. LVNV funding did not respond. This account is affecting my credit. I spoke with the original credit company and they said they already settled this account through my unemployment insurance. LVNV is still trying to collect the full amount. Every time I contact this company they stated that they mailed me something or the email me but yet I didn't receive no information about it that they say I owe to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
On XX/XX/2025 XXXX 's charged me a fee for a paper bill of {$2.00}. I called and complained that I was never informed of this fee and wanted it credited. I otherwise paid the full bill. Since then, I received one more bill for clothing purchased and paid the full bill except for the aper bill fee. This has gone on for nearly a year. Of the {$330.00}, all are fees interest and penalties except for the {$2.00}. I have repeatedly spoken to the company and explained that I am NOT paying any of this and they refused to make any adjustment. Now I am in " collections '' and they will need to sue my estate to get any of this paid. All of this is ridiculous

Company response to consumer: Closed with explanation