vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I am filing this complaint regarding student loans associated with XXXX XXXX XXXX, for which I submitted a Borrower Defense to Repayment application approximately three years ago based on the schools fraudulent and deceptive practices. At the time of enrollment, I was provided with false and misleading information regarding the quality of education, job placement opportunities, and expected outcomes of the program. These misrepresentations directly influenced my decision to enroll and incur student loan debt. I was ultimately unable to complete the program because the school closed before I could finish, leaving me without the promised education or credentials. Given these circumstances, my Borrower Defense application was submitted in good faith and is supported by clear evidence of misconduct and institutional closure. Despite this, the loans remain active and continue to be reported on my credit report, causing ongoing and unjust financial harm. The continued reporting of this debt may constitute a violation of the Fair Credit Reporting Act, which requires that all reported information be accurate and not misleading, as well as potential violations of the Higher Education Act and applicable borrower defense regulations. Additionally, the failure to resolve my Borrower Defense claim within a reasonable timeframe raises serious concerns regarding compliance and due process. It is unacceptable that, after several years, there has been no clear resolution or meaningful update on my application. This delay, combined with the continued negative reporting, is causing significant damage to my credit and financial stability. I am formally demanding that these loans be immediately reviewed, discharged, and removed from my credit report. I also request that all negative credit reporting associated with these loans be corrected without delay. Furthermore, I expect a prompt and detailed update on the status of my Borrower Defense application, including an explanation for the prolonged delay. If this matter is not resolved promptly, I am prepared to pursue all available remedies, including escalation through additional regulatory agencies and legal action as necessary.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank refuses to help investigate fraudelent charges on my debit card. Unauthorized charges from over seas on XX/XX/year> totaling {$2600.00} Several calls, demands with no results, terrible service and no consumer protection We are also filing a police report since Bank is not helping. Huntington Reference # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 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: CITIBANK, N.A.
State: WV

Complaint narrative:
was told by consumer financial protection bureau employee to call back FTC at 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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
First national bank of Omaha is harassing me. I have asked that all communications take place in writing, yet they continue to call my phone several times a day every day from rotating numbers to get around the block feature. It is harassment at this point.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute inaccurate information related to a vehicle repossession on my credit report. I am requesting an investigation into the following accounts pursuant to the Fair Credit Reporting Act ( FRA ) Please investigate the following accounts XXXX XXXX XXXX XXXX XXXX ( there is no account number to reflect this account ) The details of this repossession and charge-off are inaccurate. Please verify all aspects of this account with the original creditor. The information is inaccurate and unfairly harms my creditworthiness. Please conduct a reasonable investigation and correct or delete these items as required by law. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: AL

Complaint narrative:
I am disputing a collection debt related to an account with XXXX.XXXX updated its Terms and Conditions in XXXX, stating that customers would only accept the revised terms if they continued to request propane delivery or related services after XX/XX/XXXX. After receiving notice of these changes, I contacted XXXX immediately and informed them that I did not agree to the revised terms and wished to terminate service.I was told that cancellation could not occur until the next billing cycle and was instructed to wait until the XX/XX/XXXX billing cycle, which I followed. After doing so, XXXX applied dispatch, pick-up, and late fees that I did not approve or agree to.Additionally, service call and dispatch fees appear to have been generated internally without my request or prior notice, including multiple charges related to attempted tank pick-up visits. These fees were passed on to me, including multiple charges on the final bill, despite no authorization or agreement on my part. Regardless of the total balance, I dispute the validity and reasonableness of these charges.I received multiple invoices showing different balances, and the final bill contains service dates and charges that appear inaccurate. The amount now being pursued in collections ( approximately {$600.00} ) does not align with the billing inconsistencies.I formally disputed the debt with the collection agency and requested validation. They confirmed receipt of my dispute by phone ; however, I have not received any written response or validation of the debt.I am requesting that this matter be investigated and that the alleged debt be validated or removed if it can not be properly substantiated.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
Last XXXX I used my over draft protection to borrow XXXX dollars till next payday I get XXXX from my XXXX pention.they decided to make my account show I was negative over XXXX XXXX dollars witch stressed me out and caused problems and embarrassment to me .they wouldn't fix it amd left it that way and also locked my account. When I finally got paid again they never fixed the account or opened it and it still was showing I owed over XXXX XXXX dollars it took a over XXXX or XXXX calls to get the account fixed and opened after I was being embarrassed because my purchases at the stores kept being denied they finally fixed it but never would give me a reason or an apology and they would reply to my online requests for management or to fix the situation with just simple sorry it happened awnsers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I contacted capital one around XXXX am today to ask for a late fee waiver of {$29.00} assessed on XX/XX/year>. The representative said he could not because of the system. I asked for a supervisor which he tried to tell me I shouldn't because it's too long of a wait. I waited anyway. The supervisor came on the phone with a terrible attitude. I explained again what I was asking for a fee waiver and she refused saying repeatedly that the system doesn't allow it. With my permission, my wife, XXXX XXXX, asked several times what their late fee policy was and the supervisor kept saying they don't have a policy and refused to assist. She just kept speaking aggressively to both of us. I would like the {$29.00} fee I was assessed on XX/XX/year> waived. The payment was received on XX/XX/year>. I would also like to know their late fee policy that they keep insisting they don't have. How can a business run without a policy regarding fees. Do they just pick at random who the will allow a waiver? Are they discriminating against people if there is no clear policy? Why would they deny me and approve another person?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
Several individuals claiming to be from an agency called Credit Management Company called me on the days of XX/XX/XXXX and XX/XX/year>, claiming to be debt collectors and that I owed money for an emergency room bill from over a year ago. I had already received confirmation from my insurance company six months prior that the bill had been covered by insurance and no further action was required on my part. Additionally, I had not received any written communication stating that I still owed any money in the last six months. This lead me to believe that the Credit Management Company is a debt collection scam agency that is harassing me in order to get me to pay a debt that does not exist. Concerningly, the entity calling me had my name, birth date, phone number, and information about the nature of my emergency room visit over a year ago. They used this information to try to legitimize their claim that I owed money. They claimed that I owed {$1200.00} for the bill, but offered to give me a discount and allow me to pay {$800.00} upfront instead as a special favor from them. I asked them to send me an invoice over email and they refused to do so and instead pressured me to pay over the phone. I refused to do so and hung up. Since about noon on XX/XX/year>, they have called me about 5 times, always from different numbers, claiming that I owe money. My instinct is they are operating abroad and impersonating an American debt collection agency, because all the individuals I have spoken to have had a foreign accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
b'2026XXXXXXXX Case Number: XXXXTo the Consumer Financial Protection Bureau,\n\nI am writing to respectfully request assistance in resolving a matter involving American Express regarding the cancellation of two of my accounts and the associated annual membership fees.\n\nI was recently informed, without prior notice or explanation, that my American Express accounts (XXXX XXXX XXXX XXXX and XXXX XXXX XXXX were closed. While I understand that account closures fall within the rights of the issuer, I believe it is not equitable for the full annual membership fees to be retained when the services associated with those memberships can no longer be utilized.\n\nSpecifically:\n\n* The XXXX XXXX annual fee of XXXX was assessed on XXXX XXXX. As only approximately four months of service were available prior to account closure, I respectfully request a prorated refund of the unused portion, which would be approximately two-thirds of the annual fee.\n\n* XXXX XXXX XXXX Preferred Card carries a XXXX annual fee. Based on its renewal date, I request a prorated refund calculated at approximately XXXX per unused month for the remainder of the membership period.\n\nFor context, I believe the account closure may have been triggered by a large merchant dispute involving XXXX XXXX around XXXX 14. It is possible that the disputed amount was incorrectly submitted as a larger figure than intended, rather than a subset of that amount, and this may have triggered a financial review of the account and a risk determination. If this contributed to the account review or closure, I would welcome the opportunity to clarify and resolve any misunderstanding.\n\nI have been an American Express member for over 10 years and have valued the relationship and know XXXX has valued its relationship with me. My goal is to reach an amicable resolution that reflects fair treatment and, if possible, allows for the continuation of a positive business relationship moving forward. Mistakes and misunderstandings do happen. \n\nI appreciate your time and consideration in reviewing this matter and assisting in facilitating a fair outcome.\n\nRespectfully,\nXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: TN

Complaint narrative:
On XXXX2/2026 they sent the following email attached to our companies general mail box saying they have a wage assignment and needto provide information. I have never taken out a predatory loan as I have great credit and always go through my banking institution. I have sent them a cease and desist letter that they have failed to honor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am a victim of identity theft involving multiple fraudulent credit card accounts, including an Apple Card issued by Goldman Sachs and accounts with XXXX XXXX. I have submitted an FTC Identity Theft Report and a police report. Despite this, these accounts continue to be reported and have repeatedly been verified as accurate. I did not apply for or authorize any of these accounts. I did not receive any notifications, emails, or alerts regarding the Apple Card account, and I did not authorize any use of my identity or any device to open accounts on my behalf. This indicates unauthorized use of my identity and possibly unauthorized access to my personal or account information. I have formally requested a block under Section 605B of the Fair Credit Reporting Act with the credit bureaus. These accounts continue to be reported despite my request, which is causing harm to my credit and financial standing. The continued verification of these fraudulent accounts suggests an inadequate or unreasonable investigation. The fraudulent XXXX XXXX accounts include account numbers ending in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I filed claims on disputed transactions after my truck was broken into and my personal information was stolen from me a long with my bank account info and card information then being hacked with the information that was stolen. My bank account was then hacked and money was pulled from account, they denied the claim and then reopened the claim after filing with information that was provided the first time and left out of information. I then called on Thursday, XX/XX/XXXX and was informed my credit would be here at the latest Monday morning which is today, XX/XX/XXXX. It had not shown up so I called in and was then re informed that I would not get any credit due to them denying claim first time around and in reconsideration, they are not required by law to give 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 2026-04-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Comerica
State: NY

Complaint narrative:
My dad passed away on XX/XX/XXXX. He died in his sleep. I went to the bank and took out {$400.00} so I can get my father something nice to be put in when I go back they count was locked. I called the bank and I told him and explained to them what was going on that Im his daughter and his only survive and daughter. They sent me a letter that I need some kind of proof that I didnt make no sense of because I have all the proof right here of who I am. Im XXXX XXXX. They locked his card. I couldnt take the XXXX out to get his urn which Ive been trying to buy. My father has been in the XXXX since XXXX because the company wont release him without the {$300.00} that I owe to the people that are paying or provided me for his services. I need {$300.00} more and thats whats in the bank. They refuse to give it to me and they wont release his bank statements to me so I know who he paid and he didnt pay because according to his building manager, he didnt pay rent and my brother said yes he did so thats {$380.00} out-of-pocket I need to know about XXXX bank statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
A previous complaint was filed under number XXXX on XX/XX/XXXX by my authorized representative who is the vehicle operator and has made all payments on this account. Chase dismissed that complaint stating the filer was not the account holder. I am the account holder and am now filing directly. All information in the previous complaint is accurate and I adopt it fully as my own statement. I have a fixed rate auto loan originated XX/XX/XXXX. My payment history shows interest charges that fluctuate impossibly between {$87.00} and {$330.00} on virtually the same principal balance. This can not happen on a fixed rate loan. Examples : XX/XX/XXXX interest was {$330.00}, XX/XX/XXXX was {$110.00}, XX/XX/XXXX was {$87.00}, XX/XX/XXXX was {$150.00}. When I called to ask, a representative told me there was a $ XXXX per day late charge, but even at {$3.00} per day maximum that only accounts for {$90.00} per month it does not explain swings of over {$200.00}. Additionally the loan was funded XX/XX/XXXX but the first payment was not applied until XX/XX/XXXX a 63 day gap during which interest accrued on the full balance and was never disclosed to me at signing. After 19 months of {$400.00} payments totaling approximately {$7600.00}, my principal has only reduced by {$4400.00}. At a legitimate fixed rate under 10 % this does not add up. On XX/XX/XXXX a Chase representative confirmed on a recorded call that interest accrues daily at 8.64 % annually regardless of whether payments are made on time or not. This means interest accumulates every single day of the month even when no payment is late. This daily accrual method was never disclosed to me at signing and was not clearly explained at origination. I was not informed that interest would accrue daily rather than monthly which is the standard practice for auto loans. This constitutes an undisclosed term under the Truth in Lending Act. My vehicle is now a total loss and an insurance payoff to the lender is imminent. I believe the current balance of {$18000.00} is inflated due to these irregularities. I have requested all phone recordings, my original contract, and a full records audit. The representative confirmed on XX/XX/XXXX that the contract and detailed payment breakdown will be mailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
When I called the company to settle this debt they informed me that it would be removed from my credit report also with the history payment history and it has not been done and they wrote it as a charge off but I have not received a 1099 c form for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: OH

Complaint narrative:
On XX/XX/XXXX I took out a loan of XXXX dollars. They preyed on me not knowing all the legal gander and loan agreement terms. Now my balance is XXXX and I have no means or funds to pay it back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

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