vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CO

Complaint narrative:
I attempted to obtain documentation from Mohela confirming the status and servicing history of my federal student loans, which are necessary for submitting a Borrower Defense to Repayment application. Mohela informed me that my account is no longer with them but did not provide the full documentation requested. I am left without a clear servicing record or support in resolving issues related to loan discharge for fraud. This has caused delay and confusion in resolving my student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: GA

Complaint narrative:
I am submitting this complaint to formally dispute an account that is being reported and/or collected inaccurately and unlawfully. The account in question does not belong to me and is the result of identity theft. 
I did not open, authorize, or benefit from this account, nor did I enter into any contract or agreement related to it. I have no legal obligation for the alleged debt. 
I submitted a written dispute and debt validation request to the creditor/debt collector requesting : Proof of debt validation, including a copy of any original signed contract or application Proof of legal standing and valid assignment/ownership of the account Evidence of a permissible purpose for obtaining and furnishing my consumer report Cessation of collection and credit reporting pending investigation To date, the account continues to be reported and/or collected without providing competent evidence that I am legally responsible for the debt. Generic statements, internal records, or unverified balances do not constitute proper validation. 
This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), including the requirement to report accurate information and to conduct a reasonable investigation once a dispute is received. Continued reporting of this account without validation also constitutes unfair and deceptive practices. 
Because this account is the result of identity theft, I am asserting my rights under 15 U.S.C. 1681c-2 and requesting that this account be deleted from all consumer reporting agencies and that all collection activity cease immediately. 
I am requesting CFPB assistance to ensure that : The creditor/debt collector provides full legal validation and proof of ownership, or The account is permanently deleted and withdrawn from all credit reporting agencies I am submitting this complaint for permissible purpose verification, assignment/ownership review, and correction of inaccurate credit reporting. 
This complaint is submitted without admission of liability and with full reservation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Uetsa Tsakits, Inc. d/b/a MaxLend
State: CA

Complaint narrative:
Lender Information : Lender : MaxLend Type : XXXX  lender / online payday loan Loan Amount : {$500.00} Date Taken Out : XXXX Complaint Details : I am writing to formally report what I believe is a predatory lending practice by MaxLend, a XXXX  lender. I took out a loan of {$500.00} approximately XXXX month ago. I have already made a payment of {$160.00}, yet the amount now owed is {$680.00}, just XXXX month later. 
The loan terms were unclear and appear extremely high in interest and fees. The lender did not fully disclose the total cost of the loan upfront in a clear and understandable manner. I believe this constitutes a predatory lending practice that violates fair lending laws and consumer protection regulations. 
I am requesting assistance to : 1. Investigate the legality of this loan and the interest/fees charged.

2. Determine if I can dispute the balance owed or stop further collection activity.

3. Ensure the lender is held accountable for unfair and deceptive practices.

Attached are supporting documents : Copy of loan agreement / contract Proof of payments made Any emails or messages with the lender Thank you for your attention to this matter. I hope your agency can assist me in resolving this predatory lending issue. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Last XXXX, I applied for and supposedly was granted a credit card from Synccrony Bank. It seemed at the time that opening a debit account was part of the process, so I opened a debit account and deposited funds there. 

I received a debit card, but they never sent a credit card. The card, however, was listed on my XXXX account. It listed just XXXX digits and I did try to use it but I returned ( I believe ) all of the items I ordered with that card. 

I called the number on the debit card and they said they linked me with the credit card. Company. I spoke with six people there and was told to report the card stolen and that they would send me a new credit card. Since that day, I have received two more different debit cards, but no credit card. They seem to be using the name XXXX instead of my name, which is XXXX and I believe that is why I am not receiving anything if they are sending cards. 

Now I am receiving nasty emails telling me tht I owe the credit card company {$290.00}. But I have still not received a credit card. If I felt I could possibly owe them this much I would pay them, but I have asked over and over for a written statement and nothing has arrived. Since I dont even have and account number, there is no way for me to access this information. 

I contacted XXXX Department of Financial Services and XXXX XXXX XXXX suggested that I send my complaint to you. I hope you can help me.

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 2026-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MO

Complaint narrative:
A debt collector, National Recovery Agency, reported an alleged XXXX XXXX XXXX from XXXX, purchased by XXXX XXXX XXXX, to the credit bureaus in XXXX. This account appeared on my credit report and caused a significant score drop. The collector previously provided written notice stating that, due to the age of the debt, it would not be reported. I requested validation of the debt and proof of ownership, but the company has not provided any information. The reporting appears inaccurate, misleading, and possibly re-aged

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
I have asked them to remove this debt from my credit report because the apartment complex has already contacted me and informed me that I don't owe anything to National Credit System, but rather to XXXX XXXX XXXX XXXX, with whom I already have a payment plan and have been making payments since XXXX. I have spoken with the company, informing them that I don't owe them anything, but they still haven't removed the debt from my credit report. The apartment complex even sent them an email stating that I don't owe them anything and that they shouldn't have this account, but National Credit System refuses to remove it. 
duplicate collection

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened an account with PNC in early XX/XX/year>. On XX/XX/year> I couldnt get into my online banking app so I called PNC to inquire why. They proceeded to tell me they closed my account because I didnt verify my identity. I had verified my identity in XXXX and was told everything was good. I was going to get my XXXX check direct deposited to that account and now couldnt because of them wrongly closing my account. A few days later I tried to get into the mobile banking app and suddenly I could. I called PNC to ask them what was going on and they said they temporarily opened my account so they could deposit my check and take {$55.00} out for an overdraft. I told them they couldnt touch my XXXX check and she put me on hold and came back and said I was correct they cant touch it. I asked her why my account was closed in the first place and she said because my address was wrong. I told her what my address was and she continued to say it was wrong and put me on hold. When she came back she said that I had in fact verified my identity in XXXX and she found that out when she expanded her computer XXXX told them to send my check back to social security and she said she noted that. Fast forward to today XXXX XXXX and i still havent received my check. I called social security and they said my check had been deposited into a PNC checking account and I couldnt get it resent because it was deposited into a closed account. I called PNC and they told me that they deposited my check on XX/XX/XXXX took out the {$55.00} and mailed the balance of it to me today! XXXX a XXXX senior and thats the money I have to live on and pay bills. Because of PNC Im now getting evicted because I couldnt pay my rent, my phone and internet got turned off and my car insurance has lapsed. I have no food for myself or my dogs ALL BECAUSE OF PNC! This shouldnt be happening to me as none of this was my fault!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate and unverified credit reporting related to an XXXX XXXX installment loan that was charged off in XXXX and marked as sold to another lender. 

I have twice formally disputed this account with the credit bureaus ( most recently in XX/XX/XXXX ) and specifically requested that XXXX and/or the furnisher provide : The original signed contract or application Full payment history Proof of ownership or assignment of the debt An explanation of how the balance and charge-off were calculated Documentation showing who currently owns the debt Instead of providing any documentation, the account was simply verified again through the credit bureaus without any evidence being produced to me. 

XXXX reports the account as purchased by another lender/ paid in full/ was a charge-off, yet no debt buyer is disclosed on my credit reports and no documentation has ever been sent to me proving the debt was valid, accurate, or legally transferred. 

This is a failure to conduct a reasonable investigation and a violation of the Fair Credit Reporting Act. The company is continuing to report serious derogatory information that can not be substantiated and has ignored my requests for validation and method of verification. 

I am requesting that this account be deleted unless the company can produce full, competent documentation proving the accuracy and ownership of the account.

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 2026-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: TN

Complaint narrative:
I am submitting this complaint regarding improper and repeated third-party contact related to my private student loan. 

The servicer has my correct, current phone number and mailing address, yet has repeatedly contacted multiple third parties in connection with this debt. 

Specifically, the company has called my mother multiple times ( including almost daily ), as well as my brother and my medical providers office multiple times. 

These contacts were made despite the servicer already having my location information and appear intended to pressure me into responding rather than to obtain location details. 

I understand that under the Fair Debt Collection Practices Act, third-party contact is strictly limited, and repeated calls to family members and a medical provider are inappropriate. 

I am requesting that the company immediately cease all third-party communications and communicate with me directly and in writing only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Westlake Services, LLC
State: DE

Complaint narrative:
Westlake Financial Services is reporting an inaccurate and unverified charged-off auto loan balance of {$14000.00} on my credit report. 

The vehicle securing this loan was declared a total loss after it caught fire while parked in front of my home. This was not an accident and no fault was assigned. The loss fell under comprehensive insurance coverage. Additionally, the account carried XXXX insurance coverage at the time of loss. 

Despite the existence of XXXX  coverage, Westlake charged off the account and continues to report a balance without ever providing me with a XXXX  denial letter, proof that GAP was properly processed, or a final accounting showing how insurance proceeds were applied. 

I have never received documentation showing that XXXX coverage was exhausted or denied, nor any legally sufficient explanation supporting the remaining balance being reported. 

By reporting this account as a charge-off without providing verifiable documentation, Westlake Financial is violating the Fair Credit Reporting Act by furnishing inaccurate and unverifiable information to the credit bureaus. 

I am requesting that Westlake Financial either : 1. Provide full documentation proving XXXX was properly billed and denied and that the balance is accurate, or XXXX. Delete this tradeline from all consumer reporting agencies immediately. 

I am also requesting correction of any inaccurate reporting made to XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Hello, I reported a check that was received that was able to be cashed by the other party on the check. However, the check was written out to myself AND someone else which would mean both our signatures were required. Huntington Bank ignored this. I reached out to them but to no avail. By it saying AND not and/or it should have not been able to be cashed. I went to the bank and explained the situation. I was given a copy of the cashed check and told it was too late and nothing could be done on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
Money was missing from my account all the time I try to contact them but nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I asked to reinvestigate this matter and verify the following ; The existence of a valid account number, Proof of a lawful obligation to pay, Evidence that paper written notice was provided, Accurate classification of this alleged debt.

I have not been provided any identifying information regarding this debt nor have I received correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am submitting this complaint regarding the servicing and repossession of my leased vehicle by Mercedes-Benz Financial Services .

I requested and relied on verbal payment deferrals that were approved by Mercedes-Benz Financial Services representatives . Despite those conversations, my account later went into repossession. After the repossession, my case was escalated to a supervisor, a sale freeze was placed on the vehicle, and I was instructed to open a repossession-damage claim.

During the repossession, the repossession company caused physical property damage to my assigned parking space, including cracked concrete and visible white paint transfer. I was directed to pursue an insurance claim for this damage.

After the escalation, sale freeze, and damage-claim instructions, Mercedes-Benz Financial Services later reversed course and stated that no deferral error occurred and that only full payoff would be accepted, with no reinstatement.

I am asking the CFPB to review whether Mercedes-Benz Financial Services properly handled my verbal deferral requests, accurately maintained servicing records, and acted consistently and fairly in connection with the repossession and subsequent sale-freeze investigation. In addition, Mercedes-Benz Financial Services has reported this account and repossession in a manner that has severely damaged my credit, even though the account was under dispute, under supervisor review, and subject to a sale freeze and damage claim. I am requesting that the CFPB also review whether the credit reporting related to this repossession was accurate and fair under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Revco Management, LLC
State: MO

Complaint narrative:
On XX/XX/XXXX My XXXX  waived the balance due of {$36.00}. On XX/XX/XXXX I was sent a debt collection letter from Revco Solutions Inc. It said I had until XX/XX/XXXX to dispute. 
On Friday, XX/XX/XXXX, at XXXXXXXX XXXX, I received a call from a business I had never heard of : XXXXXXXX XXXX XXXX, Phone # XXXX. I let it go to voice mail. Unfortunately, they did not leave a message.

Then, three minutes later, at XXXXXXXX XXXX, my daughter received a call from the same number and name. She answered the call and they started out by asking her Can you hear me? Then asked for me. She told them they had the wrong number. They then asked if she was related to me. She hung up on them.

Then, 3 minutes after that, at XXXXXXXX XXXX, my son got a call from this same number and name. He answered and it was the same thing. They said they are handling a business matter for me. He hung up on them. How Deceptive is this statement!!! I then called this XXXX company to see what kind of scam they were trying to pull and what right did they have calling my children. I spoke with XXXX and she would not talk to me unless I verified my name and number to her first. I refused, because I still did not know what kind of scam this was. I asked to speak to her supervisor. This time I spoke with XXXX. She again couldnt talk to me without me verifying my name on their recorded line. I told her there was no way I was going to say my name when I didn't even know what this was all about. And that they had no right harassing my family members and I have never had any business matters with XXXXXXXX XXXX XXXXXXXX. Then she brought up the name Revco Solutions Inc. and that XXXX had merged with them ( apparently in XXXX of XXXX. ) I would not talk with her anymore and said I just wanted their names so I could report them and their harassment, deceptive practice and unethical business to the CFPB. According to the Revco letter, I have until XX/XX/XXXX to dispute. XXXXXXXX XXXX XXXXXXXX. had no business calling me or harassing my kids.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank is charging me monthly service fees on a checking account while simultaneously blocking my access to it. These fees started appearing XX/XX/year> silently after 2 years of opening account with no prior notification that i'm being charged. I have {$20000.00} in a linked CD with them which i opened in XXXX of last year as they said it will waive my fees and i notice i'm still getting charged fees, when i call they now say account is inactive and they claim they can not verify my identity digitally and are forcing a physical branch visit, why is this needed when i just opened a CD which clearly proves i'm active. They are currently holding an inbound ACH transfer in limbo. I am requesting an immediate waiver of all fees, the posting of my deposit, and waive my verification as i just opened an account..

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 monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc
State: AL

Complaint narrative:
I have a debit card which works at, quite literally, every other in-person and online business I purchase from or pay bills to ; there are no exceptions to this, save one. CreditFresh is the ONLY company that can not process my debit card. There is nothing amiss with the card, as I have verified with my bank, multiple times. I have called CreditFresh numerous times ( very numerous ) and have been reassured many ( many ) times that this will be addressed. It has not been. I am getting daily e-mails from them, stating that I have not paid my bill. I have done all in my power to pay my bill. I have one checking account. I have one debit card. There is nothing else. That's all there is. They are threatening to report me to the credit bureaus despite my many attempts to pay and my many interactions with their ( useless ) representatives. I am at my wits ' end. This is not a me problem. This is not my bank 's problem. This is not my debit card 's problem. This is 100 % and entirely : a CreditFresh problem. I don't know how to make them actually resolve this issue.

Company response to consumer: Closed with explanation