vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint against the XXXX XXXX XXXXXXXX regarding improper billing practices and the incorrect application of awarded funds to my student account. 

On XX/XX/XXXX, the XXXX  XXXX XXXX applied a {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Gift Fund to my student account. At the time, my outstanding balance was {$1500.00}, as reflected on my official billing statement dated XX/XX/XXXX. 

If the {$2000.00} gift had been applied correctly, my account should have reflected a credit balance of approximately {$460.00}. Instead, the university removed {$600.00} from the gift award, applying it as a XXXX XXXX XXXX entry on the same date, without my authorization or prior notice. This action resulted in my account reflecting a negative balance, which is inconsistent with standard accounting and billing practices. 

I did not request that gift funds be offset, reduced, or redirected in this manner. The {$600.00} deduction was not disclosed in advance, was not part of the original bill, and appeared only after the gift was applied. This practice is misleading and financially harmful. 

I am requesting the following resolution : Immediate removal of the improperly applied {$600.00} charge. 

Correct application of the full {$2000.00} gift award to my account. 

Issuance of any resulting credit balance owed to me. 

Written confirmation that my account reflects an accurate and corrected balance. 

Attached documentation includes my official billing statement and student account activity showing the {$2000.00} gift award and the unauthorized {$600.00} deduction. 

I respectfully request your offices assistance in resolving this matter and ensuring fair billing practices. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX XXXX ID : XXXX XXXX, Ohio

Company response to consumer: Untimely response
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/2025, I submitted to Equifax through the CFPB complaint process a complete identity-theft documentation package that fully satisfied all legal requirements for identity verification and identity-theft processing. This package included my government-issued drivers license, a police report, a XXXX XXXX dispute letter, and multiple FTC Identity Theft Reports. This was not a partial submission ; it was a comprehensive Master List identity-theft package identifying fraudulent tradelines across all three credit reporting agencies and formally invoking my rights under FCRA 605B. 

Despite already possessing this documentation, Equifax later responded by demanding that I again provide proof of identity and address before they would act. This demand is improper, redundant, and a documented stall tactic. My identity had already been verified. My documentation had already been accepted. There is no legal basis for Equifax to repeatedly demand the same materials after identity has already been established. 

To remove any possible excuse for further delay, I am now resubmitting this entire package a second time even though Equifax already has it solely so Equifax can not later claim it did not receive documentation that was provided in XX/XX/2025. This second submission is not because Equifax lacked proof ; it is because Equifax is attempting to reset the process through procedural obstruction. 

At present, the disputed tradeline is not appearing on my credit file. However, that does not excuse Equifaxs conduct. This complaint is being filed to formally document Equifaxs pattern of bad-faith delay, in which identity verification is used not as a security measure, but as a barrier to avoid timely compliance with federal law.

Equifaxs actions violate the Fair Credit Reporting Act by unlawfully delaying required action after receiving full identity-theft documentation. Once a consumer provides proof of identity and an identity-theft report, a consumer reporting agency must act. It may not impose endless procedural barriers to avoid blocking fraudulent information or completing required reinvestigations. 

This conduct has caused ongoing consumer harm by prolonging disputes, forcing repeated submissions of the same documentation, and undermining the protections Congress enacted for identity-theft victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I ordered on XXXX a pair of sneakers. 10 days went by and the seller hadn't shipped yet. I called XXXX and they cancelled the order. The seller ignores this and 3 hours later ships the sneakers even though the order was cancelled. The money was taken through cash app so I called cash app and messaged via chat with them. I explained that the order was cancelled and seller still shipped the sneakers. I explained to cash app that I never received the sneakers because they were returned to the sender the seller. The seller had agreed to refund me once the warehouse received the sneakers. I have proof that the order was received, and was in contact with the seller until I provided a screenshot showing who excepted the return from their company. After that the seller went quiet since then no response. I don't think the seller actually had the sneakers, I believe they ordered them from somewhere else and after 10 days of nothing happening I cancelled the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding private student loans serviced by Firstmark Serviced Trust. My monthly payment on at least XXXX loan is insufficient to cover accrued interest, resulting in ongoing negative amortization despite regular repayment. 

My loan carries a variable interest rate exceeding 13 %, and interest accrues daily at a rate greater than my required monthly payment. As a result, unpaid interest continues to accumulate, and my balance does not meaningfully decrease. 

I am concerned that : My repayment terms structurally guarantee negative amortization Interest capitalization may have occurred without adequate disclosure I was not clearly offered or informed of reasonable alternatives to prevent balance growth I am requesting : XXXX. Full documentation of my promissory note and interest rate calculations XXXX. A review of interest capitalization events XXXX. A modification or accommodation to prevent ongoing balance growth I believe this may constitute unfair or abusive servicing practices under applicable consumer protection standards. 

I am requesting written resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
According to Law 15. U.S.C 1692C you have violated my rights by unlawful communications. Please remove this collection from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a XXXX XXXX XXXX using my Chase Sapphire Reserve Card XX/XX/XXXX. The dates of that cruise were XXXX XXXX XXXX, XXXX. On XX/XX/XXXX I fell going into my bathroom of my stateroom and had pain, redness and swelling on that part of my foot. The pain did not abate. It got worse. On XX/XX/XXXX I went to the XXXX XXXX on board of the XXXX and was seen by an MD who diagnosed me with XXXX and prescribed antibiotics. I returned to the XXXX XXXX aboard the XXXX XXXX XXXX on XXXX, XXXX. On XX/XX/XXXX I submitted a claim through Chase Card XXXX throughXX/XX/XXXXXXXX. I was told to submit the documentation to them and they would review it and respond in a timely manner within XX/XX/XXXXdays. I gathered the paperwork and scanned the documents to them. Since that time, I have been asked for that information XX/XX/XXXX times. The last request was on XX/XX/XXXX. The reference # for this case is XXXX. The amount requested is {$480.00}. I am still waiting for a decision regarding this case which I sent to Chase Card XXXXXX/XX/XXXX XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Paypal Holdings, Inc
State: LA

Complaint narrative:
I applied for a Pay Pal credit account. I added the payment protection to the account. I opened a claim and it was denied. I reached out to PayPal XXXX customer service and advised I wanted to cancel this service. I contacted payment security and spoke with a rep who stated they were going to process the cancellation but they needed some additional information even though the claim was going to be denied. I advised to cancel. 
Unemployment XX/XX/year> XXXX Closed Upload Document XXXX  XX/XX/year> XXXX Denied Upload Document I contacted Pay Pal in XX/XX/year> and advised the charge is still appearing on my account. I was advised the account was pending documentation. I advised once again I didnt want the payment protection. Today, XXXX I am reviewing my account and see there is a charge still for payment protection. I called in and was advised this is being charged every month. I asked to ONCE AGAIN CANCEL and receive credit for the months since the cancellation. the rep is over seas and very hard to understand. they stated there is a resolution department and I have to write a letter which I did 3 times and got no response. I keep calling in and getting no results. Then they state there is no record of me having a claim or cancelling. I want my money back for all payments dating back from XX/XX/year> to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I have contacted the lienholder for my vehicle, XX/XX/XXXX, regarding registering my vehicle in another state numerous times over the last several weeks. 

Each time I call I am given inaccurate and conflicting information from both the customer service representatives and their supervisors. 

I moved fromXX/XX/XXXX to XX/XX/XXXX and the DMV for the new state is asking for certain information in order to register my vehicle. 

I had asked XX/XX/XXXX to send me a letter of permission in order to register my vehicle in New York. I was promised that this would only take XX/XX/XXXX days and I never received anything. Then when I contacted them about that they told me it would take another XXXX weeks. 

Unfortunately the state of XX/XX/XXXXissues electronic titles to the lienholders only, and I am unable to register my car in XX/XX/XXXXwithout the lienholders cooperation. The lienholder informed me that they would send the title directly to the XX/XX/XXXXXXXX, however I advised them that the office will shred any such documents that they receive. 

I contacted XX/XX/XXXX and mentioned this to them and implored them to send me a certified copy of the title along with the letter of permission to register my vehicle. TheXX/XX/XXXX DMV will accept that as evidence of ownership to register my vehicle, but will not issue a title until the lien is satisfied. I want to avoid the document being shredded or lost. I do not need a title, I just need to register my vehicle. 


I also informed XX/XX/XXXX of this and they keep giving me the run around and giving me conflicting information. They insist that they must send the original title to the XX/XX/XXXX state DMV and have neglected to issue me a letter of permission and a certified copy of the title. 

I have researched this situation thoroughly and it seems that XX/XX/XXXX among other lienholders have put people in the same difficult situation of not being able to register their cars. This is often due to negligence and misinformation on the lienholders part, in addition to their failure of cooperating with the process. 

To sum things up, XX/XX/XXXX has neglected to cooperate with me to register my vehicle in my new state by refusing to send me the requested documents and by giving me conflicting information. This is in addition to the time being wasted waiting for this process to play itself out, when the state of New York requires that new residents register their vehicles within XX/XX/XXXX days. Unfortunately, without the lienholders cooperation, I will not be able to meet that deadline and could have issues down the road.

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 2026-01-06 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: CITIBANK, N.A.
State: KS

Complaint narrative:
CITI CARDS/CITIBANK Address XXXX XXXX  XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Inquiry on XX/XX/year> per XXXX. I never applied. I tried contacting Citi Cards at that number and was forwarded to different reps for over an hour. I have filed a dispute with 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 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Portfolio Recovery XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Cease and Desist Demand Dear Portfolio Recovery, This letter serves as a formal cease and desist notice regarding your actions toward me, including but not limited to [ clearly describe the behavior or conducte.g., harassment, false statements, unauthorized use of property, repeated contact, etc. ]. 
Your conduct is unwanted, inappropriate, and unlawful, and it has caused distress and disruption. You are hereby directed to immediately cease and desist from any further involvement in this behavior, including any direct or indirect contact with me. 
Please be advised that if this conduct does not stop immediately, I am prepared to take further legal action to protect my rights, including but not limited to seeking injunctive relief, damages, and any other remedies available under the law. 
This letter is sent without waiver of any rights or remedies, all of which are expressly reserved. 
You are expected to comply with this demand immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: UT

Complaint narrative:
I received XXXX alerts from a monitoring service and XX/XX/XXXXregarding the attached. I don't know who they are or what this is. What I don't appreciate is them hitting my credit with this without my receiving anything in writing or the ability to discuss it. I get a lot of spam calls that I frequently block so not sure if they tried to call. If they did a robo call which I hate and didn't leave a message then they don't deserve to be called back! I check my voice mail after I receive calls just in case calls are truly legit. I got nothing. Most of the spam/scam calls I get are those ridiculous auto warranty companies, pulling info illegally in my opinion, from the DMV on a car I no longer own. In any event this company hit my credit with XXXX communication. My phone automatically blocks calls and texts it perceives to be spam. Half the time I don't know they came in and am glad. I set my phone up to do that on purpose. I get a lot of scam calls from XXXX state in particular due to my area cXX/XX/XXXXe, and got tired of it. Back to this company. They never sent me anything pertaining to this item but had no right to ding my credit if I haven't agreed to anything or am even aware of what it is or who it's for. I want it removed from my credit immediately and for them to follow the law! Send it in writing and don't dare start making robo calls to me if they have my phone XX/XX/XXXX. I will block any and all robo calls from unrecognized XX/XX/XXXX and states if my service doesn't do it first.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
XX/XX/XXXX2025 XXXX XXXX XXXX, XXXX, NH XXXX Store I purchased a variety of items, the sales clerk asked if I wanted to save {$220.00} by applying for a credit card and I could close it any time. 
I said yes I would like to save 25 % off my purchase and as long as I can close my account after I pay it off, why not. 
When the sales clerk put through my information, I was approved but she could not give the the 25 % ( {$220.00} ) savings, I considered that misleading and told her I would never have opened a XXXX XXXX card and only did because I was promised the discount. 
I told her I did not want it but she could do nothing about it and told me I had to contact Comenity Captial Bank I paid for my items that I bought with cash as I was lied to about getting 25 % off. 
On XX/XX/XXXX I sent a letter to Comentiy Capital Bank regarding the misleading representation and requested the closure of the XXXX Credit Card, written assurance that no inquiry, account, activity related to the application would appear on or negatively impact my credit report and confirmation that no fees, interest, or charges have been or will be assessed. 

I have not heard from Comenity Capital Bank and I gave them XXXX days to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing a deferred interest charge of {$4200.00} that was added in a single billing cycle on my Synchrony Bank credit card used for cosmetic procedures. I was under promotional financing and was not clearly notified that the promotion had expired. When the interest was added, my balance exceeded the credit limit, creating over-limit fees and severe financial hardship. I contacted Synchrony Bank by phone and was told they could not help me. I am requesting a review of this account, reversal or adjustment of the deferred interest, removal of over-limit fees, and placement on a reasonable repayment plan.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Issue : Checking or savings account Sub-issue : Account closed due to identity theft Complaint details : I am submitting this complaint regarding Bank of America closing my account due to identity theft. 

An account in my name was compromised and used fraudulently without my knowledge or authorization. Once the identity theft was discovered, I notified Bank of America and cooperated fully with their investigation. Bank of America closed the account as a result of the identity theft. 

Although the account was closed due to fraud, Bank of America has failed to properly resolve the matter. The closure has resulted in ongoing issues, including potential negative reporting, confusion regarding account responsibility, and stress caused by the lack of clear communication and final resolution. 

I did not authorize the fraudulent activity and should not be held responsible for any transactions or balances associated with the identity theft. Under applicable consumer protection laws, including the Electronic Fund Transfer Act ( XXXX ) and Fair Credit Reporting Act ( FCRA ), I am requesting that Bank of America :

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 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Around XXXX on XX/XX/XXXX, I went into Kohls XXXX purchase some clothing, when I arrived at checkout, the cashier told me they would like to help me save XXXX XXXX on my purchases today by setting me up with a rewards membership card. They then told me to proceed with filling out the questions and to just hit yes on these questions as they pop up and after I was finished and told it would be sent in the mail to me, I was confused so after leaving the store and getting into my car I read over the application they provided me with and seen it said it was a Kohls Credit Card and not a rewards membership card as the employee stated directly to me thats what it was I was signing up for. After realizing and feeling scammed over this interaction, I went back into the store and asked to speak with a manager and told her what had happened, she told me I need to call the Kohls help center and they would be able to cancel the card. After learning this is going to affect my credit score now from the false advertisement from this employee and the scam I had dealt with, Im now filing this complaint with the CFPB in order to hopefully by the grace of god get my credit score rectified and fixed and hopefully have this closed account removed off my credit record instead of having it stay on there for XXXX years, due to the fact I was scammed and misled by an employee into signing up for this card thinking it was a membership card and never being told directly this is a Kohls credit card. I would like the CFPB to please take my scammed incident, and make sure others are saved from dealing with these scams from employees and companies in the furture. Thank you very much and I appreciate everything the CFPB does to help me and others within this matter and these scam problems.

Company response to consumer: Closed with non-monetary relief