vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am filing a new complaint because my previous CFPB complaint was closed without resolving the issue, and I now have new evidence showing clear noncompliance. Attached is proof that the alleged account has been deleted by the credit bureau due to the furnishers failure to verify the debt during the FCRA investigation. Despite this deletion, XXXX XXXX XXXX continues to claim they are pursuing legal action on an account they could not validate. In their prior CFPB response, XXXX stated that I did not upload all the validation they sent, which is false and misleading. I uploaded every document they provided. The credit bureaus deletion confirms that XXXX did not supply sufficient documentation to verify the debt, establish ownership, or substantiate the balance. XXXX continued collection efforts after failing verification raise serious concerns under the FCRA and FDCPA, including misrepresentation of the legal status of the debt and continued collection activity without proper validation. I am requesting CFPB oversight to ensure XXXX XXXX XXXX immediately ceases all collection activity, updates its records to reflect the deletion, and is prevented from re-reporting or re-inserting this unverified account in violation of 15 U.S.C. 1681i ( a ) ( 5 ). I am also requesting that XXXX be required to provide full, legally compliant validation or discontinue collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: SC

Complaint narrative:
I believe I have met the XXXX payment requirement for PSLF. I have over 21 years of combined military service. I worked in public service as a XXXX XXXX with the XXXX and have submitted tax statements as proof of employment when I was unable to secure employer signatures. My payments have been at a standstill for some time now. Please assist, thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding accounts that have been fraudulently opened in my name due to identity theft. These accounts do not belong to me, and I am requesting the CFPBs assistance in having these inaccurate and unauthorized accounts investigated and removed. Details of the Issue, I recently discovered one or more accounts on my credit reports that I did not authorize or open. These accounts appear to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies and the creditors, but the issue has not yet been resolved. Action Requested I respectfully request that the CFPB : Investigate these fraudulent accounts Ensure the furnishers and credit bureaus conduct a proper investigation Require removal of all inaccurate information related to the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding accounts that have been fraudulently opened in my name due to identity theft. These accounts do not belong to me, and I am requesting the CFPBs assistance in having these inaccurate and unauthorized accounts investigated and removed. Details of the Issue, I recently discovered one or more accounts on my credit reports that I did not authorize or open. These accounts appear to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies and the creditors, but the issue has not yet been resolved. Action Requested I respectfully request that the CFPB : Investigate these fraudulent accounts Ensure the furnishers and credit bureaus conduct a proper investigation Require removal of all inaccurate information related to the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Formal Rejection of Denial Demand for Reconsideration and Compliance with Applicable Law I am formally rejecting Wells Fargos denial of my dispute. The banks investigation is legally insufficient because it fails to address the underlying negligence that enabled this fraud and directly caused my financial loss. 1. Violation of California Commercial Code 4401 Improperly Payable Item Wells Fargo acknowledges that the {$4700.00} check deposited into my account was a fraudulent instrument. Under California Commercial Code 4401, a bank may not charge a customers account for an item that is not properly payable. A forged or fraudulent check is not properly payable under any circumstance. By granting availability of funds from a forged instrument, Wells Fargo failed to exercise ordinary care and created the appearance of valid, cleared funds. This failure was the direct cause of the subsequent loss, as the banks own systems represented the funds as verified and available. 2. Failure of Security Procedures & Industry Standard Fraud Prevention The subsequent {$3200.00} XXXX transfer was fraudulently induced due to a security gap in Wells Fargos system. Other major financial institutions, including XXXX, employ enhanced high friction security protocols that require customers to confirm the purpose of a transfer and the relationship to the recipient when risk indicators are present. These safeguards exist specifically to prevent this type of scam. Wells Fargos failure to implement comparable industry standard protections while simultaneously making unverified funds from a forged check available constitutes a failure of reasonable security procedures and directly contributed to the loss. 3. Good Faith Cooperation & Resulting Harm I have acted in good faith throughout this process, including providing a timely XXXX Police Department report. Despite clear evidence of check forgery and procedural failures, Wells Fargo has issued repeated denials without addressing the banks own role in enabling the fraud. The ongoing mishandling of this matter has caused significant financial hardship and contributed to documented medical stress during an active medical leave. Demand for Resolution I am requesting a full reversal of the {$3200.00} fraudulent debit. If Wells Fargo does not resolve this matter within five ( 5 ) business days, I will proceed with filing a civil claim in XXXX XXXX XXXX XXXX XXXX. My claim will include : The principal amount Court costs Consequential damage permitted under California law, including damages arising from wrongful dishonor and financial injury This letter serves as formal notice of dispute and rejection of the banks denial.

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 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding accounts that have been fraudulently opened in my name due to identity theft. These accounts do not belong to me, and I am requesting the CFPBs assistance in having these inaccurate and unauthorized accounts investigated and removed. Details of the Issue I recently discovered one or more accounts on my credit reports that I did not authorize or open. These accounts appear to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies and the creditors, but the issue has not yet been resolved. Action Requested I respectfully request that the CFPB : Investigate these fraudulent accounts Ensure the furnishers and credit bureaus conduct a proper investigation Require removal of all inaccurate information related to the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NC

Complaint narrative:
Tek collect agreed in there XXXX XXXX CFPB response to remove this account from my credit report. I disputed the account with XXXX and provided proof of their agreement, but the account continues to be reported accurate. The company has not followed through with the deletion they agreed to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> this occurred. I am submitting a complaint regarding a denied dispute through Cash App. I used Cash App to pay for a XXXX order totaling approximately {$40.00}. The order included multiple food items, but when the delivery arrived only one item was included and the rest of the order was missing. I immediately contacted XXXX and reported the incomplete order, but they refused to issue a refund and claimed my account had reached a refund limit. Because I did not receive the goods I paid for, I submitted a dispute through Cash App. My dispute was denied even though the merchant failed to deliver the items purchased. I am requesting that this case be reviewed again and that I receive reimbursement for the items that were never delivered. I can provide receipts, order confirmation, and communication records showing the missing items and the merchants refusal to refund the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: RI

Complaint narrative:
I recently went from XXXX XXXX to Rocket Mortgage loan number XXXX. During the change someone not me set me up for automatic payments. Ive never had auto pay due to how I get paid. Ive always made my mortgage payment on the XXXX or XXXX of the XXXX. On XX/XX/XXXX Rocket Mortgage without my permission pulled a payment from my checking account. I can only assume the took my information from a previous payment because I never authorized that. The amount was {$1800.00}, I only had around {$110.00} and I was in an overdraft of {$1700.00}. I was on the phone with my bank and rocket mortgage for 2 hours in a 3 way call. XXXX at Rocket told me I was set up in error for automatic withdrawal I was told I had to wait for the next day. I go into my checking account and the money was reversed the amount of {$1800.00} placed me a negative balance but rocket mortgage said any fees they would pay. The next day it was back to around {$110.00} again. I thought it was corrected. Today XX/XX/26 I went into my checking account and Im in a negative balance again I immediately call my bank. They stated to me that rocket mortgage put through a payment of {$1800.00} again. I am livid. How is a company allowed to do this. I call the bank tonight they cant do anything about it its an auto pay set up. If I stop payments with the bank I wont be able to make future payments on the XXXX of the month this is something I have done for 20 years. My name is XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX. XXXX, XXXX. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
To whom it may concern, I am submitting this formal complaint regarding my federal student loans serviced by XXXX and related to my enrollment at the XXXX XXXX XXXX. I believe I was subjected to unfair and deceptive loan servicing practices that have caused significant financial harm. My loan are now service by AidVantage. While enrolled at the XXXX XXXX XXXXXXXX, I was pressured and coerced into signing up for student loans quickly, with assurances that the school would assist me in obtaining employment after graduation. I was also told that the program would provide sufficient academic support for online coursework. However, once my courses became more complex, I found that adequate academic support was not available. As a result, I was ultimately forced to withdraw from classes. After leaving school, when I struggled financially and contacted my loan servicer for assistance, XXXX repeatedly steered me into loan forbearance rather than informing me about or enrolling me in income-driven repayment options that could have reduced my monthly payments while still keeping my loans progressing toward repayment or forgiveness Because of these repeated forbearances, my loan balance has grown substantially due to accumulated interest. I have now accrued over {$9000.00} in interest alone, and my total loan balance exceeds {$25000.00}. These servicing practices have significantly inflated my loan balance and caused long-term financial hardship. Additionally, the high loan balance reported on my credit report has negatively affected my creditworthiness. Even though my account may appear current due to forbearance status, creditors still see the large outstanding balance. This has prevented me from qualifying for a home loan and other forms of credit, limiting my financial opportunities. I am aware thaXXXX XXXX has faced enforcement actions for similar servicing practices involving steering borrowers into forbearance instead of income-driven repayment plans. I believe my experience reflects the same pattern of misconduct affecting many borrowers over the past decade.I respectfully request that the Consumer Financial Protection Bureau review my case and assist in determining whether I may qualify for relief, loan balance correction, interest adjustment, or inclusion in any applicable borrower remediation programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In addition, payments were automatically withdrawn from my bank accounts for these accounts that I never opened or authorized. These withdrawals continued for more than a year before I discovered the issue in XXXX. I estimate that approximately {$3000.00} was taken from my accounts. I am requesting a full investigation, reimbursement of all payments taken without authorization, and correction of my credit records.

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 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am writing regarding my complaint about U.S. Bank holding my funds. The complaint was closed with explanation, however the issue has not been resolved and my funds are still being held. The check was deposited on XX/XX/year>. On XX/XX/year> the bank placed the funds on hold due to what they described as unusual activity. This activity was not clearly explained to me at the time, and I initially believed the funds were simply being held because the deposit was a large amount. On XX/XX/year>, the bank asked me to come into a branch and provide my government ID for verification in order to review returning my funds. I went to the branch that day and provided my drivers license and proof of address. In the banks response letter, they stated : Please note, in order to review for possible return of the funds, we will need you to provide a copy of your ID for address verification, proof of funds that the funds were intended for you. You may bring this documentation into your local branch. On XX/XX/XXXX, we sent an email to the email address we have on file for verification. Please click the link within the email and upload the selfie and ID. However, I had already completed this verification in person at the branch on XX/XX/XXXX. Despite this, I was asked again on XX/XX/XXXX to upload the same government ID online, which I also completed. My understanding is that the bank also made the decision to close my account on XX/XX/XXXX. Despite this decision and my full cooperation with all verification requests, my funds have still not been returned and I have not been provided with a clear timeline for when they will be released. It has now been approximately two months since the deposit, and this delay has caused significant hardship. I was scheduled to travel to XXXX to visit my family but have had to cancel my flights because I do not have access to my funds. I respectfully request assistance in obtaining a clear timeline for the return of my funds. Sincerely, XXXX XXXX XXXX consider as urgent issue.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Subject : Identity Theft Dispute and Request for Immediate Block To XXXX Consumer Assistance, My name is XXXX XXXX. I am writing to formally dispute a fraudulent account that appears on my credit report. This account was opened without my knowledge or authorization. Creditor : American Express Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$5800.00} I did not open this account. I did not authorize anyone to open this account on my behalf. I have no relationship with this creditor for this account. Because of this, I believe this account resulted from identity theft. Under the Fair Credit Reporting Act, specifically Section 605B and Section 611, I am requesting that XXXX immediately block and remove this fraudulent account from my credit file. The information being reported is inaccurate and does not belong to me. I have attached my FTC Identity Theft Report and supporting identification documents to assist with your investigation. Please review this matter and remove the account from my credit report as soon as possible. Please send written confirmation once the investigation is complete and provide me with an updated copy of my corrected credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: KEYCORP
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing about a letter I received from KeyBank stating I may be charged a XXXX XXXX monthly inactivity fee on an account I opened in XXXX during the COVID-19 pandemic. I have not used this account since it was opened and the debit card associated with the account is expired. After receiving the letter dated XX/XX/XXXX, I attempted to contact the bank using the phone number provided in the letter and by using the online contact option. I called multiple times and received no answer. The online contact option also did not work. Because I could not reach anyone, I was unable to resolve this matter before the bank indicated it might begin charging a monthly inactivity fee. I request that you stop any future inactivity fees, refund any inactivity fees already charged, and close this account if possible. Please confirm in writing that the account has been closed and that no further fees will be assessed. Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief