vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 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: TN

Complaint narrative:
I am submitting a complaint regarding prolonged processing delays, inconsistent guidance, and repeated rejections that have negatively impacted my progress toward Public Service Loan Forgiveness ( PSLF ) with MOHELA. In XX/XX/XXXX, I submitted a request to change my repayment plan from SAVE to Income-Based Repayment ( IBR ). My application remained in in review status for several months without resolution. On XX/XX/XXXX, I received correspondence instructing me to resubmit my application for faster processing. I followed this instruction and resubmitted my request. In XX/XX/XXXX, I was notified that my resubmitted application was not approved due to a missing signature, despite having typed my name. This requirement was not clearly communicated at the time of submission. In XX/XX/XXXX, I submitted another application with the appropriate signature. That application was then rejected due to an issue related to tax or income documentation, which had not been clearly communicated in earlier correspondence. Throughout this entire period ( XX/XX/XXXX through XX/XX/XXXX ), my account has remained unresolved. During this time, my loans were placed into forbearance, including processing forbearance early in XXXX and administrative forbearance thereafter, which does not count toward PSLF eligibility. I also have documentation showing that my XX/XX/XXXX XXXX application was actively in review as of XX/XX/XXXX. However, this application no longer appears in my Federal Student Aid account history. The absence of this record raises concerns about the accuracy and completeness of my application history and further supports that my request was not properly processed or tracked. I made multiple attempts to follow instructions and correct issues as they were identified, but the delays, shifting requirements, and lack of clear guidance prevented timely resolution. As a result, I was not provided a meaningful opportunity to make PSLF-eligible payments and lost qualifying time due to servicer handling rather than borrower action.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 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: American Coradius International LLC
State: MD

Complaint narrative:
I noticed a text message from XXXX telling me my " payment was past due '', I do not have any credit accounts with XXXX although I would use it as a convenience to pay on-line sometimes, XXXX hey were smaller charges and to only companies I trust. I could not find any information regarding this debt on the XXXX website and customer service directed me to call The XXXX XXXX XXXX Customer Fraud line to alert them that I may of been scammed. The investigator and I spent close to one hour on the phone going through each charge, with the most recent happening within the previous few days. There were multiple XXXX dollar charges to a company " XXXX '' which is a scam website. The information XXXX had was the account was opened in XXXX and it was a XXXX XXXX card. I did not even have a XXXX account in XXXX so this was a total scam. XXXX said they would notify all 3 credit bureaus, which as of XX/XX/XXXX they had not. I placed a fraud alert and red flagged my credit report for fraud. I checked my credit report at all 3 agencies and there is no trace of any XXXX XXXX card which gave me some relief. I filed a consumer fraud alert plus this complaint today, Fruiday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Statement of Fact In XX/XX/2025, I formally reported two unauthorized, fraudulent transactions on my checking account debit card. Both transactions involved the same merchant ( XXXX ) and occurred under identical circumstances. Transaction ID : XXXX | XXXX | {$200.00} Transaction ID : XXXX | XXXX | {$500.00} The Basis of This Complaint While Citibank correctly identified the {$200.00} charge as fraudulent and issued a permanent credit, the bank has failed to provide a resolution or a clear explanation regarding the {$500.00} charge. I am contesting the banks handling of this matter based on the following : Logical Inconsistency : It is logically indefensible for the bank to acknowledge fraud for one transaction while maintaining an " investigation '' status for a secondary transaction occurring on the same card, with the same merchant, during the same period. Unreasonable Delay : This dispute originated in XXXX. We are now well beyond a reasonable timeframe for a standard fraud investigation. Citibank 's " lack of a clear answer '' is no longer an acceptable response. Regulatory Compliance : Under Regulation E ( Electronic Fund Transfer Act ), financial institutions are required to follow strict timelines for investigating and resolving errors. The continued ambiguity surrounding the {$500.00} charge suggests a failure to meet these consumer protection standards. Required Action I demand that Citibank immediately reconcile this discrepancy. Since the bank has already validated the fraudulent nature of the {$200.00} transaction, it must apply the same finding to the {$500.00} transaction. I expect a formal written resolution and the issuance of a permanent credit for the remaining {$500.00} within [ Number, e.g., 5 or 7 ] business days.

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 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SANTANDER HOLDINGS USA, INC.
State: WI

Complaint narrative:
Ive been trying to get ahold of santander lending for a car lease and got a statement from them from XXXX years stating my car is in a bankruptcy state. Ive tried calling and they said my account never existed. Then later informed my debt was sold. So im.npt sure what santander had done with my lease and title to my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
i tried to log into my credit card profile actually XXXX credita card profiles all managed by concora credit since i was getting weird emails that my information was changed i tried going online to log on it would not let me so i called my credit card company gave them my information they said that was incorrect and that i needed to upload verification on who i was so i did now credit card company is telling me i have to wait XXXX hours to reset everything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: GA

Complaint narrative:
I do not recognize this account and am disputing it as inaccurate. I have never applied for, opened, or authorized this account, and I have no knowledge of its origin. Its inclusion on my credit report appears to be a clear reporting error. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable and timely investigation of disputed information. Additionally, Section 607 ( 15 U.S.C. 1681e ( b ) ) requires that all reported data be complete and accurate. At this time, this account does not appear to meet these legal standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 explanation
Consumer complaint received 2026-04-24 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Received phone call from unknown number XXXX. The call from XXXX XXXX, NY. Person saying she is with CITIbank and calling to confirm a purchase charge of {$1800.00} on a card in my XXXX name. She knew my phone number and date of birth and said a card was applied for, approved and opened in my name in the beginning of XXXX ( and claimed the card was mailed to me. She asked if I received the card and used it. She kept asking questions trying to get me to respond with a yes. I replied No, NO, NO and then hung up the call.

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 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: MI

Complaint narrative:
* * Company Name : * * Optum Bank * * Product : * * Health Savings Account ( HSA ) * * Issue : * * Trouble accessing funds/ account / services * * Complaint : * * I am filing a complaint regarding a prolonged failure to access my Health Savings Account ( HSA ) funds and online account through Optum Bank. I have been an Optum Bank customer for approximately seven years through my previous employer, XXXX XXXX. In XXXX XXXX I transitioned to a new employer, XXXX, which also uses Optum Bank for HSA administration. Prior to this transition, I proactively confirmed with both my HR department and Optum Bank that my account would transfer without issue, particularly given that duplicate accounts under the same Social Security number and date of birth are not permitted. I was assured there would be no problems. Shortly after the transition, I discovered that my existing HSA funds were no longer accessible. After multiple calls to Optum Bank, I was eventually informed that my original account had been altered, including changes to my date of birth and Social Security number ( which seems to be a serious data integrity issue ), and that a separate account had been created under my new employer. My funds were later transferred to this new account, and I regained the ability to use my debit card. However, I remain unable to access my account online. When I log in, I am directed to an account view that reflects the removal of my funds rather than the account where those funds now reside. As a result, I can not submit reimbursement claims or fully manage my HSA. This appears to be a failure to properly associate my login credentials with the correct account. Despite repeated contact with Optum Bank over several months, I have received only repeated assurances that the issue would be resolved within 35 days, with no follow-up or resolution. Monday, XXXX XXXX XXXX I was told the issue had been resolved and that I would receive a callback from a supervisor at a scheduled time. I did not receive that call. When I followed up, I was again told the issue was a priority, but it remains unresolved. At present : * I can now use my debit card tied to the account holding my funds * I can not access the correct account online * I can not submit reimbursement claims * I do not have full visibility or control over my HSA This has directly impacted my ability to manage and pay for necessary medical expenses. Timely access to these funds is critical to maintaining ongoing medical care. Additionally, I am unable to switch providers because my employer requires the use of Optum Bank and I am outside of open enrollment. I have spent many hours over several months attempting to resolve this issue without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding an inaccurate medical collection account resulting from billing discrepancies that are not supported by the providers own medical documentation. After requesting and reviewing my complete medical records, I identified clear contradictions between the documented care and the services billed. Specifically, the provider documentation states there was no concern for a XX/XX/XXXX XXXX, yet I was billed for a broad respiratory viral PCR panel ( XX/XX/XXXXXXXX ) costing over {$4000.00}. Additionally, I was billed for a XXXX XXXX emergency department visit ( XXXX ), which is not supported by the documented level of care. The records reflect mild symptoms, stable condition, and discharge without intervention. The hospital conducted a billing review but explicitly stated they did not evaluate medical necessity, and instead relied on internal guidelines rather than addressing whether the documented care supports the charges billed. Because the reported balance is based on charges that are not supported by the medical record, the amount is inaccurate. This account is currently in collections and reported on my credit file. I am requesting : A proper review of medical necessity based on the actual documentation Correction or removal of unsupported charges Recall of the account from collections Deletion of the collection from my credit report If the charges can not be substantiated with documentation consistent with accepted medical standards, this account should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-04-24 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I attempted to add my wife as an account holder on my new Capital One checking account. When entering her social security number, I made a mistake on one digit and Capital One has locked the account for over 10 days. I am unable to use any of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: MS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My XX/XX/XXXX statement had XXXX consecutive {$100.00} charges from XXXX.And another charge for {$140.00} from a company.called XXXX I immediately notified both XXXX and Bof A. XXXX of the XXXX {$100.00} charges were immediately removed, but mysteriously, the third {$100.00} charge was not. I notified the XXXX Company and found the {$140.00} charge was for XXXX days of internet service in XXXX. ( I dont even have a passport and have NEVER travelled abroad. ) I provided communications from XXXX showing that they absolved the fraudulent charge within days of me notifying XXXX. But either XXXX or BofA of both refused to issue me the credit until about XXXX mos later, but still is charging interest and late fees on the {$140.00}. I have written many letters to BofA and had several phone calls explaining all this, but soon after, I get another 'form letter ' saying either : " Based on your account history, this charge is consistent with previous charges with this merchant. '' Or : " The merchant provided documentation confirming you received the merchandise or service. '' Both are false statements- -I dont shop at XXXX and the closest XXXX to my house is XXXX miles away. And I have NEVER used XXXX for anything. Additionally, BofA has caused great damage to my credit ratings. They have always been in the XXXX range but now are down about XXXX points. You will note that I have NEVER been so much as XXXX day late on any obligation, and I pay all my bills in full when received. I have explained this to XXXX and XXXX but my XXXX is still in the tank. I have retained all correspondence with BofA, and will provide the CFPB with any or all. Currently, I am still waiting for BofA to provide me with said documentation that shows that " The merchant provided documentation confirming you received the merchandise or service. ''

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XXXX XXXX XXXX I formally revoked ACH authorization for a merchant ( XXXX XXXX ) in accordance with 12 CFR 1005.10 ( c ). Despite this revocation, the merchant continued to initiate unauthorized debits from my Huntington National Bank checking account. I reported these unauthorized electronic fund transfers ( EFTs ) to the bank in person at the XXXX XXXX XXXX and via formal dispute on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I hand-delivered a signed dispute packet containing proof of the XXXX XXXX revocation to a branch teller, who scanned the documents into the banks system. On XXXX XXXX, the bank closed my claim ( Ref # XXXX ), falsely stating that documentation had not been received. On XXXX XXXX, the bank reversed {$520.00} in provisional credits, resulting in a significant negative balance. Since then, the bank has ignored my follow-up attempts to correct the record. On XXXX XXXX, a branch representative admitted the banks dispute team was still misclassifying this as a " merchandise dispute '' ( asking for receipts/delivery dates ) rather than an unauthorized EFT based on a legal revocation of authority. The representative refused to update the investigation framework and instead instructed me to call a general customer service line to restart the process. This ongoing failure to conduct a reasonable investigation or provide a written explanation of findings is a violation of Regulation E ( 12 CFR 1005.11 ). The bank 's procedural errors have caused cascading financial harm, including debt collection notices for a balance created solely by the bank 's failure to respect my legal revocation of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Avant Holding Company, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX I applied for a credit card with XXXX and when I applied it said that it would give me response within XXXX. So days go by and I give them a call on XX/XX/XXXXXX/XX/XXXX times at XXXX and at XXXX and when I called they transferred me over to a representative both times and each representative said that they had to end the call and call me back immediately and each time no one ever called me back so I sent a email on XX/XX/XXXX asking for an update and they gave me the same answer to give them a call and someone would help me out so I gave them a call this morning and the same thing happened they transferred me over just for someone to say they would call back and no one is calling me back. At this point I feel like they are mishandling my information and not giving me answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is in receipt of a Demand for Payment letter from XXXXXXXX XXXX, XXXX ( " XXXX XXXX XXXX '' ) dated XX/XX/XXXX, regarding an alleged account that he owes for XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$7700.00}. The account that the collection agency is attempting to collect on behalf of their client has previously been a subject of an investigation by a local law enforcement agency regarding an Identity Theft case with tracking number XXXX. XXXX XXXX reported the incident on or about XX/XX/XXXX, and immediately after, contacted their client with the report information and the assigned investigators contact information. XXXX XXXX reiterates that he is not responsible for this account. As a result of this subsequent demand, previous reports have been made with the Federal Trade Commission. In addition, the collection agency is in violation of FCRA. In addition, as of today, XX/XX/XXXX, Equifax continues to report the account as " XXXX DAYS OR MORE PAST DUE '' too.

Company response to consumer: Closed with explanation