vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am filing this complaint because Barclays Bank has failed to conduct a reasonable investigation into a fraudulent account opened in my name. On XX/XX/XXXX, a fraudulent purchase of {$310.00} was made on a Barclays Gap Good Rewards Mastercard opened under my identity. On the same exact date, XX/XX/XXXX, a separate fraudulent XXXX XXXX credit card account was also opened and used under my identity. Upon discovering the fraud, I immediately contacted both issuers, froze my credit with all three credit bureaus, filed an Identity Theft Report with the Federal Trade Commission ( IdentityTheft.gov reference # XXXX ), and filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reference # XXXX ). XXXX XXXX conducted an investigation and formally determined that I was not responsible for the fraudulent account. They notified the credit reporting agencies and the account was removed from my credit report ( letter dated XX/XX/XXXX ). Both the XXXX XXXX account and the Barclays Gap Good Rewards Mastercard were opened and used on the same exact date as part of the same identity theft incident. Despite this, Barclays continues to assert that the Gap Good Rewards Mastercard account is valid without explaining how the account was verified as belonging to me. Additionally, XXXX has already removed this account from my credit report, yet the account continues to appear on XXXX, demonstrating inconsistent reporting of the same account across credit bureaus. Because I submitted an Identity Theft Report under FCRA 605B and provided documentation of identity theft, Barclays continued reporting of this account without providing evidence of verification raises concerns that the investigation may not have met the requirements of the Fair Credit Reporting Act. Barclays has repeatedly asserted that the account is valid but has never provided any documentation showing how the account was verified as belonging to me ( such as the application record, identity verification method, or device/IP information used to open the account ). I am requesting that Barclays provide documentation explaining how this account was verified as belonging to me and correct the inaccurate reporting associated with this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: VA

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
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: WA

Complaint narrative:
i had ordered a phone with the phone guys back in XX/XX/year> i had paid the phone off an not sure why there is still an amount owed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding deferred interest that was applied to my furniture financing account issued by Synchrony Bank through XXXX XXXX. In XXXX, I financed a sofa purchase totaling approximately {$4600.00} through a promotional financing plan offered at XXXX XXXX and issued by Synchrony Bank. After the promotional period ended in XX/XX/XXXX, I was charged approximately {$1900.00} in deferred interest. This charge came as a surprise because I did not receive a clear notification that the promotional financing period was expiring. Had I received notice, I would have paid the remaining balance before the deadline to avoid the deferred interest charges. I have been making payments and fully intend to pay the original balance owed on the account. However, the addition of nearly {$1900.00} in interest due to the promotional expiration has created a significant financial burden. I respectfully request that this matter be reviewed and that consideration be given to removing the deferred interest as a one-time adjustment due to the lack of notice regarding the expiration of the promotional financing period. Thank you for your time and assistance in reviewing this matter. Sincerely, XXXX 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 monetary relief
Consumer complaint received 2026-03-05 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: IL

Complaint narrative:
I moved out of XXXX XXXX in 2021. I signed a form given them notice that I was leaving and paid my last months rent a few months later down the line I get a notice that .. did they put on my credit report that I did not pay months rent and they tacked on a bunch of charges that made no sense, including me leaving furniture in the house that I did not leave whatsoever .. theres a young lady in XXXX XXXX XXXX has been tacking on false charges to people accounts for over XXXX years now multiple of those charges were sent to court and was thrown out. Unfortunately I wasnt able to go to court because they refuse to take me to court. But put it on my credit report.XXXX XXXX XXXX % disputed this action on my credit report and it was removed just to find out later on that they removed from our credit report but it still remained on my file..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
I am disputing inaccurate rental debt reporting by Southern Management System Inc.The company is reporting a collection account for {$4100.00} related to an apartment lease. Although the account is marked as closed, it remains on my credit report and continues to harm my credit.I previously disputed this account and requested full validation of the debt, including a lease agreement, payment history, and an itemized breakdown of all charges and fees.I did not receive sufficient documentation clearly showing how the reported balance was calculated or proof that all added charges are valid and legally owed.Despite my request for verification, the account remains on my credit report marked as disputed but without proper validation.This inaccurate reporting is harming my credit and financial standing. I am requesting a full investigation, correction of any inaccurate amounts, and removal of the account if the debt can not be fully veiwed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
This is the letter I sent to them. Now they have issued a writ of Garnishment against me. Date : XX/XX/year> LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Re : Debt Validation Request To Whom It May Concern, I dispute the alleged debt your company claims I owe. I have never opened an account associated with this debt. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request full validation including : The original signed agreement or application Complete payment history Documentation showing I authorized the debt Proof of assignment from the original creditor to LVNV Funding LLC Until this documentation is provided, you must cease collection efforts. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I am writing to dispute the reporting of a 30-day late payment on my credit file. My mortgage payment increased from {$2000.00} to {$2200.00} as of XX/XX/year>. I never received notification of the increase nor an escrow statement in the mail. I have always mailed a payment of {$2200.00} each month with the remainder going to the principle. I was out of town for work during the month of XXXXXXXX XXXX. Upon my arrival, I received a letter informing me that the payment of {$2200.00} did not cover my payment so it was not applied to my account and I needed to make an additional payment. I immediately called the office as well as went online to make an additional {$600.00} payment to my account since I had already made a {$2200.00} payment for the month of XXXX. After 3 attempts of sitting on hold for over 30 minutes each time, I spoke with a person and advised them of the situation as well as the payment that would be coming. I also spoke with a manager to advise I was unaware of the increase in payment since no escrow statement or billing statement was received and requested to have the late fee as well as any derogatory marks on my credit removed. He stated he would submit a request to take the overage from XXXX and add it to XXXX which in return would make XXXX payment on time and remove the fee and delinquency. He stated he would call me back by XX/XX/year> to let me know if it was honored. I never received a call on XX/XX/year>. I called back, spoke with a XXXX who transferred me to his XXXX XXXX. I explained everything to XXXX, he stated that this should have been adjusted and would request to have this looked at again. He stated he would call me back to give me an update by XX/XX/year>. As of today XX/XX/year>, I have also not heard from XXXX. I have continued to make my increased payments as requested although I still have not been supplied a copy of my escrow accounting and have no idea where the increase arrived from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I thought my loan through nelnet/ education loan was closed in XXXX but now they keep sending me bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/XXXX I issued bill pay to pay XXXX XXXX of XXXX XXXX XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX, XXXX DC XXXX, LICENSE # : XXXX ) in XXXX XXXX XXXX$3300.00} for services in finding a XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America issued a draft check to said party on XX/XX/XXXX. On XX/XX/XXXX the funds were removed from my account. Then the funds were removed from my account again on XXXX. I called Bank of America on XXXX to report, and was told that the check issued from XX/XX/XXXX was used for both withdrawls, from two different banks. Fraud. Bank of America then issued a credit of {$3300.00} to my account. On XXXX I looked at my account and saw that there was a pending reversal of the credit. I called Bank of America back to inquire about the reversal and was told that this reversal was a mistake and that it should " drop off '' from my account. The representative then confirmed with their supervisor that this reversal was indeed a mistake and would drop off. On XXXX I checked my account and the reversal had gone through, deducting the credited {$3300.00} from my account. I called back later in the morning and proceeded to spend 5+ hours on hold being transferred between the small business department , bill pay , and the fraud department being transferred from ineffectual agent to ineffectual agent. No one could see the information needed between departments, and no one could help. It is XXXXXXXX XXXX I am still on the phone as I type this. I've spent countless hours on hold, and wasted a day on fixing a mistake that I did not make. Someone committed bank fraud and then Bank of America took the credited amount of money back without being able to say why and not being able to rectify it.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
ABLTY RECVRY is falsely reporting on my credit. I have never had any accounts with them. Per my research ABLTY RECVRY 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 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am a former student of XXXX XXXX in the XXXX XXXX program. About two months before graduation, our instructor quit and the school placed our class on a break. I was never given a return date, written notice, or disciplinary warning. When I returned, I was told I had been dropped for non-attendance. I fully intended to complete the program, and the disruption was caused entirely by the school. They stated I was the problem when I can assure you I was not, the school employees were unprofessional. XXXX XXXX also promised job placement assistance upon completion, which I never received due to this wrongful dismissal. I now owe federal student loans through Nelnet totaling ~ {$15000.00} for a program I could not complete due to the schools actions. I would like to request CFPB assistance to investigate XXXX XXXX misconduct and ensure my federal student loans are fully discharged or refunded. Requested Resolution : Full discharge of federal student loans related to XXXX XXXX XXXX of any payments made Correction of credit reporting for these loans

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
I am disputing a collection account reported by Credit Control LLC that I do not owe.The company is attempting to collect a telecommunications debt related to a XXXX XXXXnternet account that does not belong to me. I never opened this account, never received services, and am not legally responsible for this balance.I previously disputed this debt and requested validation, including documentation proving the account belongs to me and records showing I authorized or benefited from the services.The company did not provide sufficient documentation proving I am responsible for this debt, yet it remains on my credit report. This inaccurate reporting is harming my credit. I am requesting that this account be removed entirely 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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a {$40000.00} check. They pur a hold for 10 days. The check has cleared. I want my money released now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Complaint Against Student Loan Servicer mohela.studentaid.gov MOHELA XXXX XXXX XXXX XXXX, MO XXXX I am filing this complaint regarding the servicing of my federal student loans by MOHELA. I currently have approximately {$200000.00} in federal student loan debt associated with schools that engaged in deceptive and misleading recruitment practices, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I have submitted and am preparing to submit a new Borrower Defense to Repayment application with the U.S. Department of Education based on substantial misrepresentations made by these institutions during the enrollment process. Despite the existence of serious borrower defense claims and well-documented allegations of misconduct involving these schools, my servicer has continued to treat the loans as fully enforceable without adequately informing me of my borrower defense rights or reviewing my account for potential discharge eligibility. Additionally, I am requesting that MOHELA : Conduct a full review of my account in connection with my Borrower Defense claim Place my loans into administrative forbearance while the claim is under review Ensure that no negative credit reporting occurs during this process Provide a complete accounting of all loans associated with these institutions Given the significant allegations of misconduct involving these schools, it is appropriate for my account to be reviewed to determine whether these loans qualify for discharge. I request that MOHELA respond with a detailed explanation of how they are ensuring compliance with federal borrower defense protections and provide me he following documentation for my account : Promissory notes Loan origination records School certification forms Enrollment verification submitted by the school Borrower Name : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX : Last year, I purchased furniture from Raymor and Flanigan. I had moved and told the rep at the store I had moved and gave him my new address. He said everything was updated. Months went by before I found out that my address had not been updated, and I never received an invoice. I called TD Bank in an effort to pay off the balance of my account with them, but no representative was able to help me. I was transferred three times and told that they could not locate my account. Today, XX/XX/XXXX : TD continues to charge me late fees while making it impossible for me to pay the balance due to them.

Company response to consumer: Closed with monetary relief