vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sunbit, Inc.
State: OR

Complaint narrative:
On XXXX/XXXX/XXXX I received a Past Due Notice from Sunbit dated XX/XX/XXXX regarding a card ending in XXXX. On XX/XX/XXXX I called Customer Support to discuss this matter as I have never applied for or opened an account with Sunbit. The address listed on the account hasnt been my current address for over a year, yet the account was established using this old address. This is a fraudulent account and Sunbit did not attempt to validate the credentials used to establish this account. As a result of the XX/XX/XXXX phone call, I was provided an email from Sunbit with direction to perform the following : File an FTC Identity Theft Report File a police report Submit a copy of my driver 's license On XXXX/XXXX/XXXX I successfully emailed the above items to Sunbit Consumer Verification XXXX per the email provided to me by Sunbit Customer Service. I have received letters from Sunbit dated XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX, stating that the fraudulent account is past due. I previously sent a letter on XX/XX/XXXX addressing this matter. This is my XXXX letter to serve as evidence that I have responded to Sunbit. Federal law requires financial institutions to verify identity prior to the issuance of credit, which Sunbit clearly did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
I got a XXXX XXXX years ago at XXXX XXXX XXXX XXXX emergency room. i paid all of doctor 's office ( XXXX offices ) bill even though i hadn't have medical insurance However, only XXXX the main hospital sent my bill to another collection eventhough, i had paid well. for XXXX years it processed with my credit cards ( expired date and lost cards and requiest new card serveral times ) so, almost i paid {$3000.00} ( $ XXXX ) However, the bill shows i paid only {$650.00}. this is not true once i got a XXXX i have health problem. Even though my body condition become weak I have tried to paid all Please find currect amount of the number. XXXX for 10 years, I have paid {$3000.00} the bill amount is not currect the bill from SAVIT COLLECTION AGENCY REFEREENCE '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
Company : MOHELA ( Higher Education Loan Authority of the State of Missouri ) Account Type : Private Student Loan Loan Number : XXXX I am filing this complaint to dispute the characterization of 34 months of forbearance on my private student loan ( a bar study loan originally issued by XXXX XXXX XXXX XXXX XXXX ) as " Voluntary Forbearance. '' In a letter dated XX/XX/XXXX, MOHELA stated that my loan used " 34 months of Voluntary Forbearance, '' which contributed to significant capitalized interest being added to my principal balance over the years. I dispute that all or any of these forbearance periods were genuinely voluntary or properly disclosed to me. The financial impact of this is severe : I originally borrowed {$10000.00}, have paid approximately {$19000.00} over nearly 20 years, and still owe {$14000.00} in outstanding principal plus {$22000.00} in total accrued interest. This outcome is consistent with a pattern of servicers steering borrowers into forbearance without adequate disclosure of interest capitalization consequences. I have submitted a formal written request to MOHELA demanding documentation of every forbearance period, including signed requests, authorization methods, and disclosures provided at the time. MOHELA has not yet responded to this request. I am requesting that the CFPB : 1. Require MOHELA to produce documentation proving each forbearance was genuinely voluntary and properly disclosed 2. Investigate whether these forbearances were applied consistent with applicable law and MOHELA 's servicing obligations 3. Require MOHELA to provide a full accounting of capitalized interest attributable to these forbearance periods 4. Facilitate a resolution that accurately reflects my true balance if documentation can not be produced Desired Resolution : Verification of forbearance documentation and recalculation of my balance if forbearances were improperly applied, along with good-faith settlement options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XXXX Subject : Identity Theft Affidavit FCRA 605B Block Request To Whom It May Concern : I am a victim of identity theft and fraud. I have identified multiple accounts and unauthorized hard inquiries on my consumer credit reports with XXXX XXXX XXXX XXXX that I did not open, authorize, or benefit from. The following accounts are fraudulent and must be blocked and removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any associated collection accounts The following hard inquiries are unauthorized and must also be removed : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is a fraudulent account reported through ChexSystems related to XXXX XXXX BANK, which I did not open or authorize. I have never applied for or authorized any of the above accounts or inquiries. Any activity associated with them is the result of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I request that XXXX XXXX XXXX XXXX : 1. Block and remove all fraudulent accounts listed above 2. Remove all unauthorized hard inquiries listed above 3. Block and remove all related collection accounts 4. Cease reporting this information on my credit file This request must be completed within four ( 4 ) business days of receipt of this identity theft affidavit and supporting documentation. Additionally, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I demand that all collection activity related to these fraudulent accounts cease immediately. I further request that ChexSystems investigate and remove the fraudulent XXXX XXXX Bank account from my consumer report. Please provide written confirmation of all actions taken and the results of your investigation to my email address listed above. I certify under penalty of perjury that the information provided is true and correct.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I am submitting a complaint regarding an unresolved fraud dispute involving my Target XXXX credit account, issued by TD Bank. I reported an unauthorized charge totaling {$500.00}, which resulted from what I believe to be an account takeover. An unknown party accessed my Target account, placed orders using my stored or compromised card information, and shipped items to addresses that are not associated with me. Despite multiple appeals, my claim has been denied based on the assertion that my account login credentials and card number were used to complete the transactions. However, I did not authorize these purchases, did not provide my login or card information to any individual, and did not benefit from or receive the merchandise associated with the disputed charges. Several facts support that this was unauthorized activity : - Orders were shipped to an unfamiliar address in New Jersey - One shipment used my mothers name, which is not the name on my account - Activity is inconsistent with my normal purchasing behavior - I reported the issue promptly upon discovery The merchants determination appears to rely solely on the presence of valid login credentials and card entry, which does not constitute proof of authorization. Unauthorized account access ( account takeover ) is a well-documented form of fraud and can occur without the cardholders knowledge or consent. I contacted TD Bank to dispute the charge under my rights as a credit card holder, but I was directed back to the merchant and have not received a meaningful independent investigation. Under the Fair Credit Billing Act, I am requesting : - A full and independent investigation of this unauthorized charge - Removal of the {$500.00} charge from my account - Written explanation of any evidence used to determine that this transaction was authorized I am seeking resolution of this matter, as I should not be held liable for charges I did not authorize. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: PR

Complaint narrative:
I am an XXXX XXXX Service Member ( XXXX ) currently XXXX. I am filing this complaint against Affirm for violations of the Military Lending Act ( MLA ) and the Truth in Lending Act ( TILA ) regarding Loan ID : XXXX. On XX/XX/XXXX, I made a principal-only payment of {$430.00}. Per my contract, interest is 'simple ' and 'accrues daily on the unpaid principal balance. ' My current unpaid principal is {$710.00}. However, Affirm refuses to reduce the total balance to reflect the saved interest. They are insisting on a balance of {$980.00}, which includes nearly {$200.00} in unearned future interest. I opened a formal dispute ( Case # XXXX ) on XX/XX/XXXX. Affirm closed the case on XX/XX/XXXX without any adjustment or explanation, effectively charging me a prepayment penalty, which is illegal under the XXXX for active-duty members. I demand a manual re-amortization of my loan to reflect the actual interest owed on the {$710.00} principal. " I am providing my official mobilization orders ( XXXX XXXX XXXX ) showing a XXXX XXXX starting XX/XX/XXXX, with XXXX XXXX XXXX XXXX mobilization station. Under the XXXX XXXX XXXX ( XXXX ), I am entitled to all protections for active-duty members. Affirm 's failure to adjust my balance after a principal payment and their refusal to provide a corrected payoff amount constitutes a violation of federal law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have credit card debt and recently did a balance transfer to XXXX citibank credit cards to allow for aggressive debt payoff. On XX/XX/XXXX, I made a payment that used plaid to connect to my bank account. It connected to a bank account with a checking and savings account. I know longer use the savings account and somehow the payment was selected for my savings when it should have been my checking account. My bank notified me of a returned payment. I spoke with my bank, resolved the issue, and moved money into the savings account to ensure any transactions were covered. I was then charged a returned payment fee from citibank on both of my credit cards. ( I made XXXX payments, XXXX on each card, to help with my overall debt. ) I contacted citibank and asked for a curtesory reversal given the fact this had never happened before and the incorrect charge was selected due to use of plaid. Then then proceeded to tell me they tried to charge my card XXXX times and it was returned, but they provided no notice to let me know. I only found out about this error from my bank. They then proceeded to tell me they can not refund the fee 's even though I am trying to responsibly pay off this credit.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting a formal complaint regarding a recent interaction with a Chase disputes representative. On XXXX at approximately XXXX I contacted Chase regarding an authorization hold placed on my account related to a transaction through XXXX. I had already confirmed with XXXX that the authorization hold had been released on their end and that I needed to contact my financial institution. When I was transferred to the disputes department, I spoke with a representative named XXXX. During this interaction, he repeatedly requested proof of a separate payment method which is not relevant to resolving an authorization hold. I explained the situation multiple times, but he continued to insist on unnecessary documentation and did not follow standard dispute procedures. Additionally, he attempted to frame the resolution as a XXXX time courtesy despite the fact that authorization holds are a routine banking matter and not discretionary. He also initially resisted transferring me to a supervisor when requested. I was eventually transferred to a supervisor named XXXX, who confirmed that Chase does not require proof in situations like this and that the issue should have been handled without complication. I also want to formally note that the representatives behavior was unnecessarily difficult and inconsistent with standard Chase procedures. Based on the interaction, it felt as though he was treating me differently, potentially due to my race, which I can reasonably infer from the way he spoke and the manner in which he handled the call. This included repeated requests for irrelevant proof, framing a routine issue as a XXXX time courtesy, and initially refusing to escalate me to a supervisor. This experience was frustrating, time consuming, and below the standard of service I expect from Chase. I am requesting that this interaction be formally reviewed, including the recorded call, and that appropriate action or coaching be taken. I would also like confirmation that this complaint has been documented and addressed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
APPEAL OF DENIED FRAUD CLAIM ( Claim ID : XXXX ) On XX/XX/2026, Bank of America officially denied my fraud claim regarding a {$1000.00} international wire transfer scam. Their denial letter stated they are closing the case because " XXXX is a third party '' and recommended I " contact the recipient directly. '' This is an unacceptable violation of consumer protection and Regulation E. I previously faxed a 13-page evidence packet to BofA on XX/XX/XXXX. This packet included my official FBI XXXX Report ( # XXXX ) and written emails from the merchant ( XXXX ) explicitly admitting that the funds were " sent to a fraudulent beneficiary. '' BofA is absurdly advising a verified victim of federal wire fraud to negotiate with an international scammer, completely ignoring the evidence that the merchant failed their XXXX compliance. I am demanding that BofA reopen this dispute. Furthermore, I am formally requesting that BofA immediately mail me ALL copies of the documents, merchant responses, and internal investigation notes used to make this flawed denial decision. Bank of America must protect its consumers from documented fraud rather than protecting negligent third-party apps.

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 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I am filing a complaint regarding a disaster-related delinquency on my B & H/Payboo account serviced by Comenity Capital Bank. My account became delinquent during the Mississippi winter storm emergency from XX/XX/XXXX through XX/XX/year>. During that time, I experienced hardship related to the declared emergency and notified the company that I needed assistance. On XXXX XXXX, 2026, I contacted the company after being called XXXX times in one day, between XXXX a.m. and XXXX p.m., regarding one missed payment. During that contact, I informed the company that I was in the middle of a state of emergency due to the winter storm and could not make the payment at that time. I also applied for hardship assistance. However, no one informed me that the account allegedly had to be open for XXXX months in order to qualify, and I was never notified that my hardship request had been denied. I later discovered that the account had been reported delinquent on my credit report. When I called to address the issue and request the policy supporting the denial, I was told there were guidelines, but the company would not provide any written policy or documentation showing that I had to wait XXXX months before being considered for hardship assistance. Representative XXXX, ID number XXXX, refused to provide her last name and refused to provide any written policy supporting the XXXX-month statement. I dispute the companys handling of this matter because I notified them of my disaster-related hardship during a declared state of emergency, sought assistance, and was not properly informed of any denial or eligibility requirement before negative reporting occurred. The company relied on an unsupported explanation that it would not identify or provide in writing. I am requesting : 1. A full review of my account and all notes and call records related to my hardship request 2. The written basis, policy, or guideline relied on to deny relief 3. Reversal of any late fees or penalty charges tied to this disaster period 4. Correction or removal of any negative credit reporting related to this disaster-related delinquency 5. A written explanation of the companys final decision I believe the company unfairly denied or failed to properly process my hardship request, failed to clearly disclose the basis for the denial, and then reported the account delinquent despite my notice of disaster-related hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against NCA regarding their failure to properly validate an alleged debt and their continued reporting of inaccurate information to the credit bureaus. I sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Regulation F ( 12 CFR Part 1006 ). In that request, I disputed the debt in its entirety and requested documentation supporting the validity of the account. To date, the collection agency has : Failed to provide adequate validation of the debt Continued collection activity and/or credit reporting without proper verification Reported the account to credit bureaus as accurate despite the dispute This conduct violates my rights under : The Fair Debt Collection Practices Act ( FDCPA ) The Fair Credit Reporting Act ( FCRA ), which requires accurate and verifiable reporting The account is currently being reported on my credit file with : Equifax Experian TransUnion I am requesting the following resolution : Immediate investigation of this matter Deletion of the account from all credit reporting agencies if it can not be properly verified Written confirmation that the account has been removed or fully validated with proper documentation This complaint is submitted in good faith to enforce my rights under federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by Capital One. I have maintained a consistent and reliable payment history on this account since it was opened on XX/XX/year>. However, Capital One is reporting a XXXX late payment for XX/XX/year>, which is not an accurate reflection of my payment behavior. On the date the payment was due, I made attempts to submit my payment through XXXX Ones online portal. Unfortunately, I experienced a system error that prevented successful processing of the payment. This issue was outside of my control. Given my otherwise perfect payment history, this isolated incident is clearly the result of a processing failure rather than neglect. Under the Fair Credit Reporting Act ( FCRA ), all information furnished must be accurate and reflect the true payment behavior of the consumer. Capital One has refused to investigate or correct this issue, instead stating they do not offer goodwill adjustments. However, this is not a goodwill request this is a dispute of inaccurate reporting due to a system failure.

Company response to consumer: Closed with explanation