vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone applied and stole a paypal/synchrony credit card from my mail. Somehow activated and maxed the card out. When I saw the balance onmy credit report, I notifi ed XXXX Bank of the theft. Synchrony bank has done nothing about it. Now they are reporting late payments on mycredit. REMOVE THIS ACCOUNT BECAUSE IT IS FRAUDULENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: IN

Complaint narrative:
In XXXX, my co-signer filed for bankruptcy, which placed my XXXX private student loans with Sallie Mae into a bankruptcy stay. During this period, I was informed by Sallie Mae that I was not permitted to make payments on the loans. I made a good-faith attempt to begin repayment at that time, but was explicitly told payments could not be accepted while the bankruptcy stay was in effect. 

Despite payments being prohibited, interest continued to accrue daily for more than XXXX years. The original principal balance across all three loans was {$79000.00}. As a result of interest accrual during the bankruptcy stay, the current balance has increased to {$130000.00}, representing approximately {$55000.00} in accrued interest during a period when I was unable to make payments. 

I have documentation from Sallie Mae confirming that the loans were subject to a bankruptcy stay beginning in XXXX and that the loans were not discharged. In XXXX, after the stay concluded, I submitted a formal dispute to Sallie Mae, via their online portal and through certified mail, requesting a review and corrective action, including adjustment or removal of interest accrued during the period when payments were blocked. 

Sallie Mae responded via their secure message center, acknowledging the dispute but denying any credit or balance adjustment. Their response stated that interest accrues daily even when payments are not required or permitted during bankruptcy. 

This resulted in substantial financial harm through significant interest accumulation during a period in which I was prevented from mitigating the balance through payment. I am submitting this complaint for CFPB review, requesting that Sallie Mae review the interest accrual during the bankruptcy stay and provide a fair and reasonable resolution. 

Attachments included : Formal dispute letter and consolidated supporting documentation ( PDF ) Bankruptcy stay notices from Sallie Mae ( XXXX ) Non-discharge confirmation documents ( XXXX ) Transcript of secure message denial from Sallie Mae representative XXXX mail receipt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Continental Finance Company, LLC
State: OH

Complaint narrative:
I was contacted in XX/XX/XXXX about an old debt by XXXX XXXX XXXX. They stated my debt was {$2900.00}. I made a settlement arrangement for {$1400.00} in payments. I made XXXX payments of {$300.00} and XXXX payment of {$280.00} ( {$2.00} added for processing fees ). My final payment was XX/XX/XXXX. I never received a paid in full letter. The payments were never applied to my debt. I began receiving phone calls on this same debt around XX/XX/XXXX. I have tried to contact north point and the phone number on my settlement letter does not work. XXXX Their address is not correct ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ) and you can not find them by searching the web. I tried to file a dispute with my bank but since I used my debit card for the payments, it has been too long for a dispute. I was told from the company calling now my actual debt is only {$520.00}. I am not sure how here is such a discrepancy. I am not sure if north point did apply some payments and the XXXX is whats left. All I know is this wasnt taken care of but my money was taken. I was scammed out of {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter financial my contact is already paid off and they to fixed from my credit report missing one payment is already paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MD

Complaint narrative:
I have disputed the following debt multiple times : Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE and UPDATED : The disputed item ( XXXX ) was verified as accurate ; however, other information has also changed. 
We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Date Updated. Here is how this account appears on your credit report following our investigation. 

XXXXEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Account Details Account Details Payment Status Account Number XXXX * * * * Name JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type open Loan Type DEBT BUYER Balance {$800.00} Original Amount {$800.00} Original Creditor XXXX CREDIT CARD ( Financial ) Past Due {$800.00} This is not my debt. I have requested proof of the debt 4 times and have not received it. I have disputed it on my credit report 3 times, and it still shows. Even if this were a valid debt, they redated it to show as a new debt - that is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: MD

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 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
In XX/XX/year>, my wife and I were pre-approved for a mortgage through New American Funding. The assigned loan officer instructed us to send sensitive personal information via regular email and asked us to send {$280.00} via XXXX for a trade line, and later we also paid {$8500.00} in earnest money toward XXXX homes. We were told he would handle Down Payment Assistance ( DPA ), but he was terminated without notice, and we never closed on either home. This resulted in financial loss. We are requesting an investigation, written explanation, and any remediation available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Santander XXXX XXXX handling of my auto loan account, which contains multiple errors, omissions, and potential violations related to repossession, post-repossession notice, and account balance reporting. 

The vehicle was purchased as a XXXX XXXX XXXX and financed through Santander. At the time of purchase, XXXX overlapping vehicle service contracts were sold and financed as part of the loan. These contracts covered similar terms and time periods and should have been canceled and refunded upon repossession. 

The vehicle was repossessed on XX/XX/XXXX. Following the repossession, no post-repossession notice was ever provided to the co-borrower, as required by law. This includes notice of intent to sell the vehicle, the right to redeem, or information regarding how a deficiency balance would be calculated. 

The vehicle was subsequently sold in XX/XX/XXXX. Santander has either claimed or reserved a deficiency balance, however this balance does not reflect the application of refunds from the canceled service contracts that were financed into the loan. These refunds should have been applied to reduce the principal balance prior to any deficiency calculation. 

As a result, the account balance appears inflated and inaccurately reported, and may not reflect the true amount owed, if any. Additionally, XXXX failure to provide required notices to the co-borrower raises serious concerns regarding compliance with applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Hi, I created an Ally spending checking account with the promotion code XXXX. 

I was suppose to be awarded a XXXX bonus with XXXX direct deposits. 

I received XXXX direct deposits into my account but still have not received the bonus. 

I contacted about XXXX weeks ago through email and chat. The representative confirmed that i qualified for the bonus, but they still have not credited the bonus to my account. 

Can you provide assistance with awarding the bonus? 

Thanks.

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 2026-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have online banking with Truist I set the payments to go out on the XXXX of everymonth. On XX/XX/year> I called the bank regarding a fee of XXXX being charge to my account online banking, they stated it was from insufficient fund not being in the account. I asked the representative at the time would they be sending the payment out again for they amount of XXXX. They told me know. At this time the funds were now in my account so I called the mortgage company to pay the amount of XXXX which is what they requested. I did a check by phone to pay the amount from this amount. I then look into my account the XXXX was withdrawn as I have requested and then to discover they sent out another payment of XXXX and my account was overdrawn of the amount of XXXX I called the bank asked to a supervisor and explained the situation and that the representative told me the wrong information. They referred me to the dispute department, spoke to some from the dispute department they listen to my story and gathered my information and would forward it to the analyst to make a final decision. 5 days later I called back to find out if it had been resolved it they denied my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
PROCOLLECT , INC is falsely reporting on my credit. I have never had any accounts with them. Per my research PROCOLLECT , INC 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 2026-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AMA Advisors, LLC.
State: FL

Complaint narrative:
I refinanced my XXXX  mortgage on XX/XX/XXXX. At closing, only XXXX XXXX  assessment payoff in the amount of approximately {$59000.00} was paid and listed on my Closing Disclosure. 

After closing, I discovered that a second recorded XXXX  assessment ( XXXX  ) in the approximate amount of {$19000.00} existed prior to the refinance but was not paid, disclosed, subordinated, or listed as an exception at closing. 

I contacted the title company and requested an explanation. In a written response dated XX/XX/XXXX, the title insurer acknowledged that only XXXX XXXX  payoff demand was received and paid at closing, leaving the second XXXX  assessment unresolved. 

Because this assessment remains on title, I am currently unable to pursue a XXXX  XXXX refinance to reduce my interest rate. The undisclosed lien continues to affect lien priority and has caused ongoing financial harm. 

I am requesting that the lender review this post-closing defect and coordinate resolution with the title company and insurer to cure the outstanding XXXX lien.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/year> National credit XXXX naturally fresh blvAtlanta GA XXXX Re : Request for Form XXXX ( Cancellation of Debt ) Account Number : XXXX -- XXXX To Whom It May Concern, I am writing to formally request a copy of IRS Form 1099-C related to the cancellation of debt on the above-referenced account. 

According to my records, this debt was canceled or forgiven in or around [ year of cancellation ]. However, I have not received Form 1099-C, which is required for my tax records and reporting purposes.

Please provide a copy of the 1099-C at your earliest convenience. If the form has already been issued, I kindly ask that it be resent to the address listed above. If you believe a 1099-C is not required for this account, please provide written confirmation and the reason for that determination. 

If you need any additional information from me to process this request, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My account has been charged for a payment insurance that I never agreed to and didn't realize I was being charged for. I spoke with a representative on Monday XX/XX/year> and was told that they would refund my account for the charges. I advised the representative that they have been charging me since I openened my card and she advised she was refunding me {$480.00} which is not the full amount I have been charged since opening the account. I never agreed nor did I authorize for this to be added tpo my account. I was advised I opted in when I applied for the card which I did not. I went to the website to retrieve a copy of the contract from when I opened the account but of course it's not available.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
I met with the branch manager and reflected my issues to her in XXXX, but still didn't receive any response from her as she promised to give me an answer. 
If the bank doesn't want to give me a final answer, I will try my best to ask for help from all the related organizations including all the related lawmakers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: eCon Credit LP
State: IL

Complaint narrative:
I requested NATIONWIDE too remove my information out of their system from a debt they say I owe them and I was never with nationwide a day in my life

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
The mortgage servicer acquired servicing of the loan and later determined that flood insurance was required. However, the servicer did not provide written notice of the flood insurance requirement until months after acquiring the loan. 

Upon receiving the notice, the borrower obtained compliant flood insurance within the XXXX cure period required under federal law. 

Despite timely compliance, the servicer has attempted to force-place flood insurance and assess premiums for periods prior to providing notice and during the statutory cure period. This includes retroactive charges for time before notice was issued and before force-placed insurance could lawfully be applied. 

Federal law permits force-placed flood insurance only after proper written notice and expiration of the XXXX cure period. Any retroactive assessment for periods prior to those requirements is improper and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I am writing to formally complain about serious and ongoing errors with my MOHELA student loan account, including payments not being properly credited, excessive delays in customer service, and unprofessional conduct by a customer service representative. Payments have been consistently withdrawn from my bank account and sent to MOHELA. My bank has confirmed that these payments were successfully transmitted. However, these payments are not being properly reflected or credited to my loan account. As of this date, I am unable to determine where these funds have been applied, if at all. In an effort to resolve this matter, I have attempted to contact MOHELA multiple times. On one occasion, I remained on hold for approximately XXXX ( XXXX ) hours, only to have the call disconnected without resolution. When I was eventually able to reach a customer service representative, the representative was rude, unhelpful, and appeared incompetent, providing no clear explanation regarding the missing payments or the status of my account. To be clear : Payments are being withdrawn from my bank account My bank confirms the payments were sent to MOHELA MOHELA has failed to properly credit these payments I have received no adequate explanation as to where my payments are going This situation is unacceptable and has caused significant frustration, confusion, and concern regarding the accuracy of my account and potential negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
On XXXXXXXX XXXX  I was waiting for a direct deposit from ssXXXXi to go to my account to cash app and I lost my card and contacted cash app supervisor name XXXX where I sent them my driver 's license and all the information I could provide but they stated my account was under suspicious activity so I asked them to mail. Me a new card to my old address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX pa XXXX but they never mailed it out. They stated they can't locate my account which the name on card was the same and also called XXXX. The amount was for {$1200.00} and I also invested into XXXX XXXX  and {$200.00} into XXXX. They never gave me back money and it's been over a year and I also reported them to XXXX  which was no help. Please help me because I think it's unfair to keep money from social security and investments I put into stamps and XXXX which has collected intest by now. My new address is XXXX XXXX XXXX, XXXX, XXXX pa XXXX. Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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