vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 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: CA

Complaint narrative:
I been homeless in this loan is from XXXX I really need help its preventing me from having a livable life income and its stopping me from getting approved for a car credit card loan I cant get a place to live because its killing my credit

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Mercari, Inc.
State: TX

Complaint narrative:
Mercari has stolen my funds for an item I sold on their platform. I am a seller on Mercari with over XXXX XXXX reviews. I sold a {$14.00} item to a newly-created buyer account that at the time had with no previous history or reviews on the site, which was confirmed by XXXX to have been delivered on XX/XX/2026. Prior to shipping, I directly confirmed the purchase with the buyer and received their response to proceed with the transaction. However, the buyer never " rated '' the transaction. Per Mercari 's policy, the buyer has 3 days to inspect the item and rate the transaction upon delivery, after which funds for the transaction will be released to the seller. If the buyer does not rate within the XXXX window, per Mercari 's policy, Mercari will auto-rate the transaction and release the funds to the seller. XXXX tracking confirms that the item I sold was delivered to the buyer on XX/XX/2026. As of XX/XX/2026, however, Mercari still refuses to provide me with my promised proceeds for the transaction despite proof that the item was properly sent and delivered -- both XXXX tracking confirming delivery and video proof of mailing using the prepaid shipping label that was provided to me by Mercari. Screenshots attached. I have contacted Mercari customer support multiple times but they still refuse to release my promised funds for the sale, despite XXXX confirming delivery of the item to the buyer. Screenshots of response from Mercari support attached. Mercaris actions indicate that they are actively defrauding consumers by luring consumers into their platform to sell items, which they charge fees for, and then deceiving them out of their item and money, as is the case here. Other selling platforms such as XXXX and XXXX automatically release funds to sellers upon confirmation of delivery or sale. Mercari can not be permitted to continue to operate unchecked when their policies and improper customer support are actively harming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On Tuesday XXXX XX/XX/year>, Westlake Financial hired a third party repo company which they didn't gave me a name, to repossess my vehicle. During the hookup process, the repo driver damaged my vehicle. The damage occurred at XXXX XXXX XXXX XXXX. XXXX witnesses observed the damage occurring, including the motel manager and a motel employee. Security camera footage also captured the incident. I contacted Westlake Financial multiple times to report the damage and hold them accountable as the hiring party. They repeatedly deflected responsibility and told me to contact the repo company directly, claiming no liability because it was a third party company they hired. I am requesting that Westlake Financial take responsibility for damages caused by the repo company they hired and authorized to act on their behalf, and provide compensation for vehicle repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Issue Summary I opened a Chase business checking account in XX/XX/year>XXXX under a promotional offer requiring me to maintain a {$10000.00} minimum balance for the first 3 months. I met this requirement every single day. Chase has denied the promotional bonus and has provided inconsistent and changing explanations that do not match the written terms. Details I opened the account using a Chase business checking promotion that required maintaining a {$10000.00} balance for the first 3 months. I maintained a balance of at least {$10000.00} every day for the entire 3month promotional period. Despite meeting the requirement, Chase denied the {$500.00} bonus. When I contacted Chase, I was told I only needed to complete two qualifying transactions, which I did. After completing those transactions, Chase opened multiple internal cases but continued to deny the bonus, each time giving a different explanation. None of the explanations provided match the written promotional terms I agreed to at account opening. I am requesting a clear, written determination based strictly on the original promotional terms, or for the bonus to be honored since I fulfilled the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: MOHELA
State: KY

Complaint narrative:
Where do I begin? I was told by the university I attended before I graduated that my loans would be forgiven after 10 years. Its one of the reasons I went into teaching so I wouldnt have debt hanging over my head for years to come. I was also told that I absolutely had to get a XXXX XXXX in order to keep my license. After graduation in XXXX my payments were set up incorrectly so I wasnt enrolled in the PSLF. We went back and forth about it for several years. Fast forward about 8 years, I was never given credit for the years that I taught. Eventually, I gave up teaching altogether. Nothing I was told was true. No credit for the years I taught is reflected on my loans, I didnt need a Masters degree, and now here I am 16 years later with a loan over {$150000.00}. I just checked today and it says my principal loan amount is {$130000.00}. Completely wrong. I cant make heads or tails of any of it anymore. Its an absolute mess. My student loans were supposed to be forgiven in the year XXXX ( after the first lie of not getting them forgiven in 10 years ). Then it changed to XXXX. Now Im on the SAVE plan thats in forbearance because the government is fighting it, and if I enroll in a new plan, it shows my loans wont be forgiven until XXXX. Now Im dealing with another issue where 2 loans suddenly dropped off the SAVE plan that MOHELA cant figure out and causing me to make payments on just those 2 loans. They dont know why, they cant fix it, they cant put then back on the SAVE planthey are literally useless. Im getting ready to call them again and Im sure well go in circles about it. This is a nightmare. I wish Id never attempted to go into the teaching field based on all the lies I was told. Ive attached the new payment thats not supposed to there until the government figures out what to do with SAVE. Oh, and last year around XXXX I was sent emails saying I MUST go under a new plan or Im going to owe {$1800.00} a month and then I find it I dont need a new plan after alland the madness just goes on and on.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Klarna AB
State: AZ

Complaint narrative:
I contacted Klarna on XXXX for help with multiple loans with them from purchases at stores. I needed help due to medical reasons I am off work on XXXX with XXXX of my pay. They advised they could combine all of the loans into one hardship loan and extend payments over an 18 month timeframe. Payments are to begin on XX/XX/XXXX. I contacted them again on XX/XX/year> because a family member gave me the money to pay the entire balance instead of doing the 18 month loan payments. I checked the app and website and there was no where for me to make a payment. I talked to them via chat and also called them. Klarna refused to take payment in full or any early payments. They claim I have no choice but to have the 18 monthly payments taken out of my checking account and they will not let me pay off the loan! That means they are holding me hostage for 18 months & collecting interest. On top of that my credit is being affected as a hardship loan when in fact, I can pay it off right now! How can that disallow me from paying off my balance? If they want their interest, fine I'll pay that too but I don't think they can collect 18 months of interest if I pay it off now. This is absurd that they will not allow me to pay off my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am filing a complaint regarding a promotional credit card offer that has not been honored. I applied for the Citi/XXXX XXXXXXXX XXXX XXXX using a paper application distributed by a flight attendant during an XXXX XXXX XXXX XXXX XXXX. Confirmation code XXXX. The inflight promotion clearly stated that new cardmemebers would recieve XXXX XXXX bonus miles after spending {$1000.00} within the first three months. I applied for and was approved for the card on XX/XX/XXXX. The {$1000.00} spending threshold was met by the XX/XX/XXXX statement. Therefore, I met the spending requirements within the required time period. My account statements clearly show that I exceeded the {$1000.00} spending threshold within the first three months after account opening. However, the XXXX bonus miles have not been awarded despite my numerous attempts at resolving this with Citi. My first date of contact with Citi dated XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX Citi sent a generic letter stating the terms would not be honored and downgraded to XXXX bonus miles and increased the spending limit to a now {$2500.00}. I called a second time on XX/XX/XXXX and spoke to XXXX, who transferred me to manager XXXX. XXXX had me once again email Citi Customer service with the paper promo to show the offer and code that I applied for. I again received the generic denial letter of my bonus miles. I contacted Citi again on XX/XX/XXXX spoke with XXXX who ultimately transferred me to a supervisor, XXXX. XXXX assured me this happens with the inflight promotion, where the promo code ( XXXX ) does not get attached to the card setup. XXXX went on to say this was clearly a miscommunication by Citi and it would be taken care of in 7-10 days. After receiving another generic letter from Citi denying me the XXXX bonus miles, I contacted Citi account specialist division for a fourth time on XX/XX/XXXX, speaking with XXXX and supervisor XXXX. They continue to deny my bonus miles. I was told that the promotional offer was not attached to my account. Because this was a paper application provided onboard an XXXX XXXX flight, the customer has no control over how the promotional code is processed by the bank. The failure to attach the promotional code appears to be an internal processing issue between Citi and the inflight application channel. I fulfilled all the terms of the advertised promotion and respectfully request that Citi honor the XXXX XXXX miles associated with the inflight promotion. Supporting documentation includes statements showing the required spending was completed within the promotional period as well as the inflight promotional pamphlet.

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 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
I was working with Freedom Mortgages loss mitigation department on a loan modification. I was given a deadline of XX/XX/XXXX to complete the paperwork. However, before that deadline they reported my account as late to the credit bureaus. Since the account was under review for hardship assistance, I believe the late reporting is inaccurate and unfair. I am requesting that the late payment be removed from my credit report.

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 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Capital One/ Customer Relations Department Subject : Identity Theft Complaint and Request to Remove Fraudulent Account Sent to Collections To Whom It May Concern, I am writing to formally dispute a debt that has been reported under my name and sent to collections for non payment. The account in question was opened fraudulently as a result of identity theft. I did not open, authorize or use this account with Capital One. I recently became aware that an account was opened using my personal information without my knowledge or consent. Because this account was created by someone who stole my identity, the charges and the reported non- payment are not mine and should not be associated with my credit report. Under the Fair Credit Reporting Act and identity theft protections, I am requesting that Capital One conduct a full investigation into this matter. I also request that the account be immediately closed, any associated balances be removed, and that the collection account and any negative reporting related to this fraudulent account be deleted from my credit reports. Please provide written confirmation once your investigation has been completed and the inaccurate information has been removed. If necessary, I am willing to provide additional documentation such as an identity theft report, police report, or an FTC Identity Theft Affidavit to support my claim. I appreciate your prompt attention to this matter and expect that this issue will be resolved as quickly as possible. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DLF Law Group, LLC
State: NC

Complaint narrative:
I am a XXXX widow being targeted by a debt collector and their law firm for a time-barred debt based on facially false and logically impossible data. This firm obtained a voidable judgment in XXXX XXXX, TN, by misrepresenting the age and validity of this debt to the court. 1. Logical Impossibilities & Data Inaccuracies : Signature vs. Loan Date : The collector provided a credit application signed and dated XX/XX/XXXX, yet they are reporting a " Loan Date '' and " Open Date '' of XX/XX/XXXX. It is physically impossible to sign for a loan seven months before it exists. Payment Before Opening : The collectors spreadsheet claims the loan opened on XX/XX/XXXX, but records a " Last Payment Date '' of XX/XX/XXXX. A payment can not occur before an account is opened. Conflicting Balances : XXXX XXXX reporting shows a {$0.00} balance for this account, while the collector is attempting to sue for {$2600.00} using inconsistent spreadsheets. 2. Failure to Validate & Bad Faith Actions : I previously attempted to resolve this directly with the law firm via a 4-page Certified Mail letter, providing proof of the date discrepancies and asking for debt validation. They ignored my evidence and proceeded to obtain a judgment using the same falsified dates. 3. Illegal Re-Aging ( FCRA/FDCPA Violations ) : The original delinquency occurred in XXXX. Under Tennessee law, the 6-year Statute of Limitations expired in XX/XX/XXXX. The collector is reporting a " First Major Delinquency '' of XX/XX/XXXX and a report date of XX/XX/XXXX. This is a willful attempt to " re-age '' the debt using their own purchase date ( XX/XX/XXXX ) to bypass the Statute of Limitations and keep an expired debt on my credit report. 4. Request for Resolution : As of XX/XX/XXXX, I have disputed this with the credit bureaus. Because this judgment was obtained through fraudulent misrepresentation of dates, I demand the immediate deletion of this trade line and a dismissal/vacation of the fraudulent judgment. The collector 's own digital record ( XXXX XXXX XXXX XXXX ) confirms they possess the XXXX records but chose to report falsified XXXX dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
So my checking account that I had with you guys ended up being closed with an overdue balance because of something that my ex-girlfriend did at the time. She ended up stealing my identity and using my account for money. I then filed a police report, AND an identity theft report. Are they filed a dispute with you guys twice with both times being declined. You guys then took that money out of my savings to cover that account balance. The police report I filed and the identity theft report I filed was NOT looked at by your guys employees because I contacted the detective and they said no one tried to contact them. I have a valid police report and a valid identity theft report and you guys denied my Dispute twice? Im filing this complaint because none of their employees over the phone are helpful. In fact they are very rude. I want my money back. I am also joining in the active lawsuit against you guys denying claims that is happening in court. I will also be filing a complaint with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: IL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by National Credit Systems , Inc. related to an alleged apartment debt connected to XXXX XXXX XXXX. This alleged debt stems from a tenancy held by my mother, XXXX XXXX, at XXXX XXXX XXXX beginning in XXXX through a XXXX XXXX XXXX ( CHA ) project-based voucher program. The apartment rent was largely paid through Housing Assistance Payments ( HAP ) from the CHA. National Credit Systems previously attempted to collect a balance of {$7000.00} related to this property. My mother formally disputed the account and explained that : She only signed lease agreements in XX/XX/XXXX and XX/XX/XXXX. There were no signed leases or renewal agreements for XXXX, XXXX, or XXXX. Any alleged balance appears to be the result of the owners retroactive reversal of CHA housing subsidy, which tenants are generally not legally responsible for under housing program rules. There is no written contract establishing liability for the amounts claimed. After receiving this dispute, National Credit Systems responded in writing stating that the account was closed and that they would request removal of the credit bureau listing. Despite acknowledging closure of the account and agreeing to remove the credit reporting related to this debt, the same collection continues to appear on my credit report, even though : National Credit Systems has already acknowledged the account closure. There is no lease agreement showing that I am personally liable for this debt. There is no documentation establishing that I owed rent or charges for the time periods they claim. Reporting a debt without documentation of contractual liability appears to violate the Fair Credit Reporting Act, which requires furnishers to report only accurate and verifiable information. Because the collection agency has already acknowledged closure of this account and has not produced any lease or legal documentation establishing that I am personally responsible for the alleged balance, the continued reporting of this debt is inaccurate and harmful to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation