vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: NY

Complaint narrative:
My XXXX private student loans through XXXX  ( now Mohela ) were included in my XXXX year XXXX XXXXXXXX bankruptcy in XXXX. The loans appeared as payable and reporting again in XXXX. There was a class action settlement on XXXX  in XXXX in which I felt my loans should of been included in that for discharge. These XXXX loans of XXXX and XXXX have ballooned to over XXXX to date in interest while I've been paying on them in interest rate reduction programs. Also, I can not repay these loans as I can't afford them. I'm on SSDI with a XXXX XXXX XXXX year review, and now my surgeon has me on XXXX percent XXXX as I'm about to have my XXXX XXXX XXXX XXXXXXXX in XXXX months either this month or next month. I'm going on XXXX XXXX XXXX and may never be able to work again due to my back, XXXX XXXX XXXX XXXXXXXX, and my XXXX XXXX XXXX. These loans should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CHERRY TECHNOLOGIES INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, I scheduled a cosmetic procedure through a medical provider and financing was processed through Cherry at the time of scheduling. The procedure was scheduled far in advance for XX/XX/XXXX. 

I canceled shortly after scheduling. At the time payment was processed, no non-refund or no-cancellation policy was disclosed, and I did not sign or agree to any such terms prior to authorizing payment. 

Any alleged no-refund policy appeared only after payment and scheduling, within medical or consent forms sent afterward. No services were rendered. 

Despite this, Cherry continues attempting to collect and continues reporting the balance. I disputed the account and requested documentation showing informed consent prior to payment, but Cherry did not provide it. 

I am disputing an attempt to collect a debt not owed and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IL

Complaint narrative:
Multiple complaints sent out, even letter sent on XX/XX/year> and XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On or about XXXX, I discovered unauthorized debit card transactions on my Wells Fargo account. I did not authorize these transactions, I did not benefit from them, and the card was in my possession. I reported the unauthorized activity to Wells Fargo promptly and filed a dispute under their debit card/ATM claim process. 

Wells Fargo later denied my claim in a written letter dated XX/XX/year> ( Claim # XXXX ) and letter dated XX/XX/XXXX [ CLAIM # XXXX ]. The denial stated that the transactions occurred at merchants similar to my normal usage, were conducted with a device associated with my debit card account, there was no change to my PIN, and there were undisputed transactions after the card was reported lost/stolen. 

I disagree with Wells Fargos decision. The transactions were not authorized by me, and the bank did not provide supporting evidence to justify denying the dispute. After receiving the denial, I called Wells Fargo and requested copies of all documents and evidence relied upon to deny the claim ( including transaction logs, terminal/device information, chip/ATM data, receipts, and any photos/video if applicable ). Wells Fargo confirmed they would send all documents within 30 days, but as of XXXX XXXX I have not received the requested documents. 

I am requesting CFPB assistance because Wells Fargo denied the claim and has not provided the documentation/evidence needed to review or appeal the decision. 

Disputed amount : $ Unknown Wells Fargo has the exact total in the claim file. )

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 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
I opened an account with XXXX XXXX XXXX for mobile service in XXXX or XXXX. I later added a line for my XXXX. I could never get the XXXX line to work so I called XXXX XXXX XXXX back and told them to just cancel that line. They assured me that they would, but they obviously didnt. Now, I have a debt in collections because they didnt follow through with the cancellation.

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Looks like an unknown credit account recently opened and now showing on my credit report on XXXX XXXX. Amount is {$140.00} and I did not open this account. Also effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Account XXXX XXXXXXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, Please provide XXXX XXXX XXXX XXXX with receipt displaying my signature If not. please delete account # XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Ive been trying to dispute this for years now, a XXXX account was in my name OVER XXXX YEARS AGO. So I should have been off my account. The Jefferson company bought the fraudulent account and started reporting to my credit thst I owe them. I never had an account with either party. Never received anything stating why they bought the fraudulent account, they have been reporting debt when I never authorized them to have any of my information. Then the Jefferson company started reporting multiple. Of the exact same fraudulent account. This is illegal and should be removed from any reports immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
So I was funding my account from schools first fcu through XXXX on XX/XX/XXXX around XXXX I added {$2900.00} in total to my XX/XX/XXXX account to make a trade when i checked my bank statement a couple hours later it showed that an additional {$1000.00} was taken from my account i called schools first immediately i told them that i did not make that transaction a lady spoke to me on the phone and explained they cant help me unless all the transactions made to XXXX were fraud and she said they most likely wouldnt be able to help me if i made any of those transactions so she encouraged me to tell the fraud department that I didnt make any of the transactions to make things smoother then i was transferred to the fraud department did what i was told and just marked it all as fraud i assumed they would help mind you i didnt t even touch the money in XXXX i didnt move it or do anything after i realized they charged me more schools first claimed i didnt t need to contact kalshi it would all be handled a month went by they rejected my claim and said theres nothing they can do So i contacted XXXX today just waiting on a response also schools first wont allow me to speak to a manager I even went in person they havent helped me at all I had XXXX in that account and i moved most of it out of the account because schools first acted unfairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I am submitting this complaint regarding PayPal XXXX XXXX and their handling of funds sent from my account in error. 

On XX/XX/year>, I accidentally sent a payment of {$500.00} to the wrong recipient through PayPal. I immediately notified the recipient, and they promptly initiated a refund of the full amount. 

However, PayPal applied the funds from this erroneous payment toward a prior negative balance on the recipients account before the refund could complete. As a result, the refund did not process correctly. A PayPal representative later advised the recipient to refund only the remaining portion of the funds ( approximately {$300.00} ), which we declined because the entire payment was sent in error and should be returned in full. 

Subsequently, PayPal canceled the refund request entirely, leaving me without access to the funds and without any effective resolution through their customer service channels. 

I have contacted PayPal support multiple times seeking assistance and clarification, but I have not received a satisfactory explanation or resolution, nor have I been provided with written policy justifying the retention or application of these funds under these circumstances. 

This payment was sent mistakenly, and I did not authorize PayPal to apply these funds toward any balance other than returning them to me. 

I am requesting the following resolution : Full return of the {$500.00} erroneous payment Written clarification of PayPals policy governing application of mistakenly sent funds Thank you for your attention to this matter. Please let me know if further documentation or supporting information is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I'm requesting a full refund ASAP of the {$95.00} that Moneylion stole from my bank account on XX/XX/year> after i had already notified them that i had already made the payment for {$95.00} and that they aren't due a second payment. I provided proof of the payment. On XX/XX/year> XXXX went in my bank account using XXXX without my CONSENT and stole a second payment for {$95.00} after being notified of my payment i made on XX/XX/year>. Moneylion DOES NOT apply your payment when you make it early like any company would. When you notify Moneylion of an early payment they still go into your account and take a second paymeny anyway even when you notify Moneylion. Consumers are fed up with Companies like Moneylion being able to take fraudulent payments from their bank account. Banks shouldn't allow tou to XXXX your cards yet still allow Companies to access your account while the card is locked. 

I have a monthly XXXX XXXX XXXX payment for {$95.00} that is suppose to be due on the XXXX of each month. On XX/XX/year> i made my monthly payment on the Moneylion app for {$95.00}. I then noyified Moneylion about the payment by emails since they've bern hiding out from customers since the pandemic.

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Hi XXXX I was banking with sofi bank I get a direct deposit every XXXX on the month on the XXXX there no funds in the account this bank gave 5 different excuses stating a check will be issued within 30 days but I have to pay rent then they said wait to 3-5 business days then they said they don't see a deposit I called my financial situation they told me they send the funds to the sofi bank it should been available right away sofi never put the funds in checking Wat can I do to obtain my funds please help sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally Bank withdrew an auto loan payment from my checking account on XX/XX/year>, after my auto loan was already paid in full. Ally has admitted this was their error. 
Despite acknowledging the mistake, Ally has not returned my funds. I was told the refund will be mailed as a check, but no issue date or timeline has been provided. As of XX/XX/XXXX, I am still without my money. 
This was an unauthorized debit after payoff, and the delay in returning funds has caused financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I was in XXXX for XXXX months, but they refused to report it to the credit bureaus. Just late payments. XXXX  XX/XX/XXXX through XX/XX/XXXX. I just want the truth on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Overdraft Fee Assessed Before Pending Credit Posted ( Out-of-Order Posting ) I am disputing a {$10.00} overdraft item fee that posted on XX/XX/XXXX. This fee was assessed before a pending incoming payment was allowed to post, resulting in an unfair and artificial overdraft. 
On XX/XX/XXXX, a XXXX XXXX payment of {$100.00} was already in a documented processing status and clearly identified as XXXX XXXX XX/XX/XXXX. Despite this incoming credit, Bank of America posted small debits and an overdraft fee on XX/XX/XXXX, before the pending credit was applied. 
If transactions had been posted in chronological order, or if pending credits were considered before assessing fees, my account would not have gone negative and no overdraft fee would have occurred. 
The negative balance was caused solely by posting order and timing, not by insufficient funds or account misuse. 
I am requesting a courtesy reversal of the {$10.00} overdraft fee, as it was triggered prematurely and out of order relative to the incoming payment. 
Please review the transaction history showing the pending XXXX XXXX credit and the overdraft fee posting sequence. I respectfully request that this fee be reversed.

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 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XXXXXXXX XXXX, I signed paperwork to refinance my Bank of America XXXX loan with XXXXXXXX XXXX XXXX XXXX overnighted the payoff check to the address provided on the XXXX payoff letter. The check was delivered on XX/XX/year>. According to XXXX, the check was signed for by a Bank of America XXXX ( XXXX XXXX ) at Bank of America per tracking # XXXX. I assumed the payoff was being processed until I started receiving notifications from Bank of America that my loan payment was outstanding. At this point, I am making payments to XXXX different banks for the same vehicle - because I do not want to jeopardize my credit. In XXXX, I did a conference call with Bank of America and XXXX XXXX to determine next steps to finalize the payoff. During that call, XXXXXXXX XXXX offered to stop-pay the missing check and send a new one. The Bank of America representative declined to receive a new check and said that she would like to do " research. '' Every time that I have called since then, Bank of America says that they need to make note of this missing check as though I have not previously called several times. Meanwhile, I am accruing interest at a higher rate with Bank of America and they refuse to honor my payoff request. It is not right for me to have to re-apply for a loan with XXXX XXXX for a different payoff. In several conference calls with me, Bank of America and XXXX XXXX XXXXXXXX XXXX has offered repeatedly overnight a new check to Bank of America but they have refused - stating that they need to do more research. At what point must Bank of America take responsibility for misplacing the check and honor my payoff request? Is this legal? It is certainly not ethical.

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 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
To XXXX XXXX XXXX  Dispute Resolution, I am submitting this letter as my third formal dispute regarding inaccurate and inconsistent information being reported on my Experian credit file.

Despite prior disputes, the account detailed below continues to be reported in a manner that is internally contradictory, misleading, and not accurately reflecting the accounts status, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
________________________________________ Account in Dispute Account Type : Auto Loan Partial Account Number : XXXX Date Opened : XX/XX/XXXX Status Reported : Charged off Status Updated : XX/XX/XXXX Original Balance : {$24000.00} Balance Reported : {$2800.00} Balance Updated : XX/XX/XXXX Amount Written Off : {$2200.00} Last Payment Date : XX/XX/XXXX ________________________________________ Basis of Dispute This account is being reported with material inaccuracies and conflicting balance information, including but not limited to : 1. The account is reported as charged off, yet XXXX simultaneously reports : o An active past-due balance of {$2800.00} o A separate written-off amount of {$2200.00} o A balance status indicating 88 % paid 2. The payment history reflects repeated charge-off notations after the charge-off date, which is inconsistent with standard industry reporting practices for closed and charged-off accounts.

3. The reporting fails to clearly and accurately distinguish between : o The amount charged off o The remaining legally collectible balance ( if any ) o Whether the account is being reported as paid, settled, or still in collection status These contradictions render the account misleading, inaccurate, and not verifiable, particularly after multiple disputes.

________________________________________ Legal Demand Under the Fair Credit Reporting Act, Experian is required to : Conduct a reasonable reinvestigation Delete or correct information that can not be verified Provide the method of verification upon request Because this is my third dispute, I am formally demanding one of the following actions within the statutory reinvestigation period : 1. Immediate deletion of this account from my credit file, or 2. Written documentation identifying : o The furnisher contacted o The specific method of verification used o The documentation relied upon to justify continued reporting of : A charged-off status A remaining balance Ongoing derogatory payment history Failure to comply may constitute willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o.

________________________________________ If this matter is not resolved, I am prepared to escalate this dispute to the Consumer Financial Protection Bureau, applicable state regulators, and legal counsel.

Please provide written confirmation of your reinvestigation results. 
Sincerely, XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: WI

Complaint narrative:
I financed a vehicle through Westlake Financial Services in XX/XX/year>. In XX/XX/year>, I received written notice that my application was denied. I then satisfied the outstanding balance on the account, after which Westlake issued a lien release to the XXXX XXXX XXXX XXXX The State subsequently issued a clean certificate of title in my name in XX/XX/year>. 

Relying on the lien release and state-issued title, I later transferred the vehicle to a licensed dealership. Months later, Westlake attempted to reassert a lien on the vehicle, despite having previously released its lien and causing a clean title to be issued. 

Westlakes actions have interfered with the completion of my vehicle sale and delayed my receipt of sale proceeds. I am requesting that Westlake permanently remove any lien interest and provide written confirmation that the lien was terminated. I am also concerned about any inaccurate credit reporting related to this account.

Company response to consumer: Closed with explanation