vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I learned that my Chase bank account had been frozen due to a garnishment proceeding. Since that date, I have been in continuous communication with Chase by telephone and in person regarding this matter. I promptly provided information regarding the circumstances surrounding the restraint and have repeatedly attempted to resolve the issue. On XX/XX/year>, Plaintiffs counsel filed a Notice of Nonsuit regarding the garnishment matter. The Court subsequently confirmed that the garnishment case was dismissed and removed from the hearing docket. The Courts dismissal documentation has been provided to Chase, and Chase branch personnel have also assisted in transmitting the court order to the appropriate department. Despite the dismissal of the garnishment case and repeated notice to Chase, the restraint remains active. I have been advised by Chase representatives that multiple escalations have been submitted internally from the Court Orders and Levies Department to the processing department. However, as of XX/XX/year>, I still do not have access to my funds. This has now resulted in two weeks without access to money needed for basic living expenses, transportation, food, medications, and expenses related to my children. I am approaching another weekend without access to funds despite the underlying garnishment case having already been dismissed. Moreover, this account only has child support funds deposited from the Office of the Attorney General that are exempt from garnishment. I am not disputing Chases initial compliance with the garnishment order. My complaint concerns Chases continued restraint of my account after dismissal of the garnishment proceeding and after repeated submission of the courts dismissal documentation. I am requesting immediate review of this matter, expedited processing of the dismissal order, release of the restraint on my account, and investigation into the delays that have occurred despite multiple escalations and repeated notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I received the text about my debt and called the company ( Credence Resource Management , LLC ) for debt verfication. They failed to send me the debt verfication by mail and put the account on my credit report on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: KS

Complaint narrative:
I had called in a couple of times to make a pay arrangement with Westlake Financial when unforeseen circumstances happened that I could not make a full payment. the individual told me that they could move my payment to the end of my loan by adding a extra month and take what I had already paid and apply it to the next month. I asked repeatedly if it was going to be a lump sum due at the end of my loan or just a extra month of payment. The individual said it would just be a monthly payment of XXXX. I had to do this with them twice and both times XXXX separate individuals told me the same thing, that it would only add a extra month. I come to when my loan was was originally due and I see that it is a lump sum of almost XXXX dollars. So I call to find out why and a different individual states that it's a balloon payment because I had made those pay arrangements previously in the year and that the total amount was due. I told him that is not what I agreed to when I made those arrangements. It was only supposed to extend my loan by XXXX month with the same monthly payment. He stated that the individuals basically lied to me and they should have informed me that it was a lump sum payment due at the end of my loan. He then told me I could split the last payment between XXXX months and It would be ok. I just needed to call and let them know when I would make the remainder of the payment the next month. So that's what I did. This next individual had no knowledge of this agreement because nothing was recorded on my account of any arrangements and that had made with the last person. He also informed me that more interest and a late fees would accumulate until I made the payment which is not what I was told by the previous person. That no more interest or fees would be added and that the remaining balance would be solely toward the principal of the loan. This company has lied to me numerous times and added more money to the loan. Westlake Financial is a horrible company with deceitful business practices to extort more money from its customers while claiming to help their customers on their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Consumer reporting agencies play an important role in collecting and reviewing peoples credit information. With that responsibility, theyre supposed to act fairly, stay unbiased, and respect consumers right to privacy. The banking system relies on credit reports being accurate and handled properly, and when theyre not, it damages the trust people have in the system. I never gave written permission for these agencies to share or report my information, which I believe violates 15 U.S.C. 1681b ( 2 ). Because of that, this situation appears to involve identity theft under 15 U.S.C. 1681c-2. The accounts being reported are not connected to any transactions I made.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MN

Complaint narrative:
I am a public service worker pursuing XXXX. EdFinancial is failing to accurately report my complete payment history to the XXXX XXXX XXXX XXXX XXXX ( XXXX ). Specifically, there is an XXXX data gap XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX where my months are completely missing from the XXXX XXXX XXXX ( XXXX ) tracker ( neither qualifying nor non-qualifying ), despite having a certified, qualifying employer on file for this exact period and on a qualifying payment plan ( PAYE ) throughout this entire period of missing months. I have called EdFinancial frontline support multiple times and all state they " can not do anything, ' which is a failure to properly maintain and transmit my account data. I am requesting that an Advanced Resolution XXXX manually trigger an XXXX XXXX rebuild and re-report my payment history to XXXX immediately. Please see attachments for periods of missing months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Customer Relations Department Bank of America Subject : Formal Complaint Regarding Wrongful Account Closure Following Fraudulent Activity To Whom It May Concern, I am writing to formally express my deep disappointment and frustration regarding Bank of Americas unexpected closure of my accounts after more than 34 years of loyal banking history with your institution. Over the years, I have trusted Bank of America with my financial needs and maintained a longstanding customer relationship. However, I recently became the victim of debit card fraud and numerous unauthorized charges on my account. Each time suspicious or fraudulent activity occurred, I acted responsibly and immediately contacted Bank of America to report the charges and express my concerns. I repeatedly informed your representatives that these fraudulent transactions were negatively affecting my account and placing me into an overdraft situation through no fault of my own. Rather than receiving meaningful protection, support, or a resolution, I was shocked to discover that my accounts were unexpectedly closed. I find this decision both unfair and deeply upsetting. I did everything a customer is expected to do : I monitored my account, reported fraudulent activity promptly, notified Bank of America of my concerns, and attempted to prevent further damage. It is unacceptable that I am seemingly being penalized for criminal activity committed against 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 monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount claimed, documentation proving my legal responsibility for the debt, and proof that your company is authorized to collect on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NE

Complaint narrative:
My borrower defense application has been pending with the XXXX XXXX XXXX XXXX since XXXX 2024. As a borrower defense applicant, I am entitled to administrative forbearance while my case is under review. Despite this, I have had to contact MOHELA repeatedly to maintain my forbearance status rather than it being applied automatically and continuously for the duration of my pending case. I have submitted all required documentation through the appropriate channels. MOHELA has that documentation on file. Each time I call to address this issue, I am placed on hold for over an hour, creating an unreasonable and repeated burden on me while my federal case is actively pending. When I attempt to resolve this through written communication, MOHELA responds with a generic template response and closes my ticket without allowing any follow-up, effectively forcing me to call and endure extended hold times. This leaves me with no reasonable way to resolve the issue. I am requesting that MOHELA place my account in administrative forbearance and maintain that status until my borrower defense case reaches a final determination, without requiring monthly contact from me to do so.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company 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 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please look over the supplied materials ; the inquiries came in unannounced and may remain unauthorized.

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 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please look over the supplied materials ; the inquiries came in unannounced and may remain unauthorized.

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 2026-05-29 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: NY

Complaint narrative:
Bank of America closed my checking account today ( XX/XX/XXXX ) without prior notice. I opened this account in XX/XX/XXXX. I am a legal US resident with a XXXX XXXX. The bank did not explain the reason verbally, but told me they would send the reason by mail and return my balance of approximately {$1700.00} by check. I have not violated any terms of service to my knowledge. I believe this closure was unjustified and request a full investigation.

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 2026-05-29 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XXXXXXXX XXXX,2026 I received a text from cash app stating that {$980.00} was being taking from my Target master card and call a HELP LINE AT XXXX and I called spoke with a scammer by XXXX XXXX. He told me that scammers was taking money and that I needed to put this app on my phone called XXXX SUPPORT, I did and he was able to get into my phone with seeing all the credit card apps and proceeded to say now go to the following stores to buy certain gift card and not tell the cashier what I was doing. And once I realized that I have been tricked into different stores he said that he was going to send {$3000.00} on my XXXX card which {$3000.00} is on that card and it had a XXXX balance. He took {$3000.00} from WELLS FARGO and they are refusing to dispute my fraud charges. I have a police report and I have notified all credit cards that was use on XXXX XXXX,26. I have reported my credit to all bureau and my bank. I was not frauding my credit cards i was scammed and I am struggleing with this.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am filing a complaint regarding PayPals permanent limitation of my personal account and its decision to hold my funds without providing a specific explanation. On XX/XX/scrub>XXXX2026, I received an email from PayPal stating that my account had been permanently deactivated due to unusual activity that they cant support. The email did not identify any specific transaction, policy violation, or reason for the limitation. At the time of the limitation, my account contained approximately {$3900.00} of my own funds. The money had been in the account for several weeks and was not from a recent payment, sale, or disputed transaction. I contacted PayPal customer service and requested an explanation for the limitation. Representatives refused to provide any details regarding the alleged unusual activity. I was informed that my funds would be held for up to 120 days, but I was not given a clear reason for the hold or written confirmation regarding the release of my funds. I am requesting that PayPal : 1. Provide a specific explanation for the permanent limitation of my account. 2. Confirm the status of my {$3900.00} balance. 3. Confirm whether my funds will be released at the conclusion of the XXXX hold period. 4. Provide any documentation supporting their decision to permanently deactivate my account. I believe it is unfair to permanently deactivate my account and withhold access to my funds while refusing to provide a meaningful explanation for the action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: M&T BANK CORPORATION
State: OH

Complaint narrative:
As of XX/XX/XXXX, M & T bank added a {$400.00} corporate advance fee to the mortgage statement. When asked what it was, the customer service representative flat out lied and said it was something we contractually agreed to when we did our loan modification XXXX of XXXX. We have scoured the contract and definitely never agreed to pay their attorney fees. It's also marked as bankruptcy attorney fees which again we never agreed to pay attorney fees then either. The debt was simply cured while under bankruptcy protections. This is a clear case of fraud. I attempted to simply have the fraudulent charge removed. Unfortunately they refused. Again in no shape or for are we contractually obligated to pay M & T banks attorney fees.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am filing a complaint regarding Huntington Banks continued restriction of my bank account and delayed access to deposited funds. On XXXX XXXX, 2026, I deposited a check in the amount of {$28000.00} into my Huntington account. Huntington initially placed a standard hold on the deposit. The bank later sent a notification confirming the hold had been released and the deposit credited to my account. Shortly afterward, Huntington restricted my account and informed me it may be closed. I was asked to provide tax records and supporting documentation, which I promptly submitted for review by the banks back office/frauXXXX department XXXX Despite providing the requested documentation, I still have not received a clear explanation for the continued restriction, a resolution timeline, or access to my funds. I have attempted to resolve the issue directly with the bank but continue receiving limited or unclear information. I am requesting : Immediate release of my funds if there is no legal basis for continued restriction. If the account is being closed, prompt issuance of the remaining balance owed to me. I believe the delay and lack of communication are unreasonable given that the requested documentation has already been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I received a voicemail from an entity identifying itself as a debt collector. The voicemail did not identify the original creditor, the nature of the alleged debt, the account being referenced, the amount allegedly owed, or whether the debt was owned or merely being serviced or collected on behalf of another party. As a consumer, I have no reasonable way to determine whether this alleged debt is valid, whether it belongs to me, or whether the caller has the legal authority to collect it. Despite being contacted regarding an alleged debt, I have not received any documentation identifying the creditor, validating the debt, or explaining the basis for the collection activity. I am requesting that the company provide : The name of the original creditor. The current owner of the alleged debt, if different from the original creditor. The amount allegedly owed. Documentation supporting the company 's authority to collect the debt. Copies of any validation notices or other written communications that were allegedly sent to me. Until sufficient information is provided, I am unable to verify the legitimacy of the alleged debt or determine whether any obligation exists. I am requesting that the CFPB obtain a response from the company and require it to provide the information necessary to identify and validate the alleged debt.

Company response to consumer: Closed with explanation