vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I am requesting a review of credit reporting related to several XXXX XXXX student loan accounts previously serviced by Nelnet. These XXXX accounts represent multiple disbursements of a XXXX Parent PLUS borrowing obligations. Because the loans were disbursed in multiple installments, a single delinquency period for a single payment at a time when the loans were in forbearance resulted in XXXX separate tradelines reporting XXXX delinquencies during the same months. This appears to significantly amplify the impact of what was effectively one payment issue. This reporting appears to significantly overstate the severity of the delinquency because the accounts represent disbursements of the same underlying loan obligations. The loans were serviced regularly and on time withNelnet even during Covid, and they were subsequently resolved through federal consolidation into a Direct Consolidation Loan in XX/XX/year>2024 and are now serviced by XXXX and in good standing. The original Nelnet accounts are closed and paid through consolidation. I respectfully request that Nelnet review the credit reporting for accuracy and determine whether the multiple negative tradelines are duplicative or disproportionately represent the same delinquency event. If the reporting can not be fully verified or corrected, I request that the tradelines or delinquency markings be updated or removed.If the reporting is technically accurate but reflects a single temporary hardship period, I would also appreciate consideration of a goodwill adjustment to remove or reduce the delinquency reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
Was contacted on XXXX26 by legacy arbitration that a judgement was being filed for two washers leased by Acima Leasing. The email on file and phone number were not accurate. My social was used to purchase a washer and dryer that I did in fact not purchase or lease from Acima leasing. The arbitrator requested I pay XXXX immediately to not file the judgement. The arbitrator couldnt give me any signed agreements or paperwork just threats over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XXXX 2,2026 I was sent a fake cashapp message with a link to verify my acct due to some guideline and before I could even finished as I was heading to take a break at work someone used my info and took loans on cashapp and pulled funds from my personal acct which was linked to the app until I was in the negative totaling over {$2000.00} combined. So yes from answering the scammed link my info was retained and they drained my account and cant afford to lose all my money and pay back these loans. Please help I worked to hard for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
This is XXXX XXXX, owner of Bridging the XXXX XXXX. One of my clients, an elementary school in XXXX named XXXX XXXX XXXX XXXX XXXX paid for my photography services via a check and it was a regions check. I went to regions at XXXX XXXX XXXX XXXX around XXXXXXXXam on XX/XX/year>26 and tried to cash my client check. One of the staff members express to me that they would not be cashing me check and told the young lady working me with that quote we do that for people we know and trust. Meaning, since it was in my business name that they wouldnt cash it. I had my business articles with me, I asked the teller would she like to see my business license/paperwork to see my name and business together. As well, when I walked up to the teller, at the window next to me there was an employee of my client school at the teller finishing up something. She spoke to me and noticed that I had paperwork with her schools symbol on it. I mentioned its good youre here because they might have to give you guys a call to verify. None of this worked. I was told basically by hearing teller 2 tell teller 1, we only do that for people we trust. Totally exposing her biasness and her description toward me. I even explained to them that in the past I have cashed checks with Regioms before. None of this mattered.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSOC - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: LA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Klover Holdings, Inc.
State: NY

Complaint narrative:
The company took {$420.00} that I didn't authorize please look at complaint XXXX Klover

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.

Complaint narrative:
Subject : Dispute regarding missing funds ( {$1800.00} ) and lack of access to statements for XXXX account. Description of the issue : I am filing a formal complaint against Citibank N.A. regarding the closure of my bank account XXXX and the subsequent denial of my funds. I am XXXX XXXXXXXX XXXX and was visiting the United States XXXX XXXX XXXX when I opened this account. I have since left the country and am XXXX XXXX. Recently, Citibank closed my account without prior notice. When I contacted customer service by phone, I was told the balance was XXXX. I strongly dispute this information for the following reasons : * Estimated Balance : At the time of closure, my account had an estimated balance of {$1800.00}. I have been an active user of this account and can verify that these funds were not withdrawn by me. * Lack of Access : Because I am no longer in the U.S., I can not visit a physical branch. Furthermore, I no longer have access to the temporary U.S. mailing address I used during my stay. * Withholding of Statements : Citibank has revoked my online banking access, preventing me from downloading my transaction history or final statements to prove my balance. Desired Resolution : I request that Citibank : * Conduct a manual audit and formal reconciliation of my account to locate the {$1800.00} balance. * Provide my full transaction history and monthly statements for the last 6 months via the secure email associated with my account. * Since I can not receive a check at my former temporary U.S. address, I request that Citibank wire the remaining funds to my international bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 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: NV

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am an active-duty service member serving in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) status under Title 32 orders beginning XX/XX/XXXXXXXX for a three-year period. I financed a XXXX XXXX XXXX through Toyota Financial Services in XX/XX/XXXX, prior to entering these active-duty orders. I have repeatedly contacted Toyota Financial Services requesting review for protections under the Servicemembers Civil Relief Act ( SCRA ), which caps interest at 6 %, deferred payments, and requires a court order before repossession of property for debts incurred prior to XXXX XXXX. I have also asked them to review the XXXX XXXX and XXXX XXXX provisions that provide additional protections for service members. Despite multiple communications, Toyota Financial Services representatives have refused to acknowledge or meaningfully review these protections. Instead, they have repeatedly recited general legal language without addressing the substance of my request or providing written confirmation that my eligibility for SCRAXXXX protections has been properly reviewed. Today I received communication indicating my account is being reviewed for repossession despite my XXXX status and ongoing request for SCRA/XXXX consideration . I believe Toyota Financial Services is failing to properly review and apply applicable XXXX protections and is moving toward repossession without ensuring compliance with federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: AL

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 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is attempting to collect a debt without providing enough information for me to verify that the debt is accurate, valid, or even mine. I previously disputed this account with the credit bureaus, but XXXX verified it without supplying any documentation or evidence to support the information they are reporting. XXXX has not provided any of the required information to validate the debt, including : proof of ownership or assignment from XXXX XXXX XXXX, an itemized statement of charges, the original Date of First Delinquency, or any contract or service agreement. Without this information, I can not confirm whether the debt is legitimate. In addition to failing to validate the debt, the information XXXX is furnishing to the credit bureaus is incomplete and inaccurate. The account is missing the Date of First Delinquency, which is required for all collection accounts. They are reporting Terms : 1 Month, a payment history grid with a XXXX XXXX, and a past due amount, none of which apply to collection accounts. The Status Updated date does not match the Date Opened or Balance Updated dates, creating inconsistent and misleading reporting. Because XXXX has not provided enough information to verify the debt and is reporting inaccurate and incomplete information, I am requesting that the CFPB require XXXX to provide full validation of the debt or remove the account entirely. I am also requesting that XXXX provide all documentation they used to verify the account with the credit bureaus. I am asking for a full investigation into XXXX failure to validate the debt and their inaccurate reporting.

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 2026-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY

Complaint narrative:
On XX/XX/year>, I obtained a VA mortgage loan through XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Within approximately forty five days of closing, the servicing of the loan was transferred to Lakeview Loan Servicing , LLC. While reviewing the loan and servicing activity, I requested documentation establishing the ownership of the loan, the transfer history of the loan, and the authority of the servicer to collect payments and enforce the mortgage obligation. Specifically, I requested documentation showing the chain of transfers of the loan from the original lender to the current owner. This included any endorsements of the promissory note, allonges, assignments of the mortgage, purchase or transfer agreements, and other documentation demonstrating how the loan was transferred and who currently owns the loan. I also requested documentation identifying the current owner of the loan, documentation establishing Lakeview Loan Servicings authority to service and enforce the loan, and a complete accounting of the loan balance and payment application history. In response to these requests, the servicer stated in writing that it has no record of any note endorsements or allonges. The servicer also declined to provide purchase agreements or other transfer documentation, stating that such records are proprietary. Without these documents, the servicer has not demonstrated the chain of title or authority required to enforce the mortgage obligation. These requests were made in good faith in order to verify the ownership of the loan, confirm the authority of the servicer, and verify the accuracy of the account. To date, the requested documentation establishing ownership of the loan, the transfer history, and the servicing authority has not been provided.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX signed up on line with Citibank for new checking account for a bonus of {$750.00} with a deposit of {$30000.00} or more and maintain balance for about 90 days. XXXX XXXX received an email that I needed to complete to direct deposits totaling at least {$3000.00} XXXX get bonus of {$320.00}. My original bonus I thought i was signing up for didn't have any direct deposit requirements. XXXX XXXX tried calling customer service numerous times with no answer or help. Finally on XXXX found a rep willing to figure it out and he advised the program they attached my account for was the {$320.00} bonus program with the 2 direct deposits requirements and the {$32000.00} original deposit didn't matter. I asked him can I close the account and he stated I could but may be charged a fee due to low balance after pulling funds. They can't change the bonus program though this was done online and nothing I can prove to have chosen the {$750.00} bonus program despite my deposit amount.

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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I wasnt notified that my debt was transferred or bought by either company that sold and/or bought the debt. I just had a lady show up at my door, my wife answered and she was telling my wife that she had to serve me papers and if she didnt get them served in the time frame that I would have a warrant for my arrest issued. Went to court and kept asking for the assignment contract and the judge said they dont need to provide that. Now I dont know what to do and in the original contract paperwork it does state that that the entire agreement includes the four sections of the agreement documents AND the application you submitted to us in connection with the account. I asked for that and it was not provided. This was Portfolio Recovery Associates that is doing this and they have aggressively pursued this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Subject : Complaint Regarding Extended Deposit Hold and Resulting Financial Harm Wells Fargo To Whom It May Concern, I am filing a formal complaint regarding Wells Fargo Bank placing an extended hold on a rent check deposit which has caused direct financial harm. On XX/XX/year>2026, I deposited a rent check in the amount of {$13000.00} into my Wells Fargo account. The check was issued by my long-standing commercial tenant, XXXXXX/XX/XXXX XXXX, which has been a tenant for approximately XX/XX/XXXX years with an established payment history. The tenants bank, Bank XXXX XXXX, confirmed that the funds were withdrawn from the tenants account on XX/XX/scrub> 2026, when Wells Fargo presented the check for payment. This indicates that Wells Fargo successfully collected the funds from the paying bank on that date. Despite the funds being collected, Wells Fargo placed a hold on the deposit untilXX/XX/XXXX 2026. After noticing the hold, I contacted the Wells Fargo Executive Office approximately XX/XX/scrub> 2026, and informed them that the hold would cause my mortgage payment to be returned when it was scheduled to process. I subsequently contacted the Executive Office XXXX separate times to warn them of the financial harm that would occur if the hold remained in place. During these calls I requested that the hold be reviewed and investigated. No investigation was conducted and no explanation was provided beyond repeating that the hold would remain in place until the scheduled release date. As I warned Wells Fargo in advance, my mortgage payment was returned on XX/XX/scrub> 2026, because Wells Fargo continued holding funds that had already been collected from the paying bank. As a result, my account balance reflected a negative balance of approximately {$11000.00}, and I am now facing the consequences of a returned mortgage payment, including potential fees and financial disruption. This situation could have been avoided had Wells Fargo conducted a review of the hold after I notified them multiple times of the imminent financial harm. I am requesting that Wells Fargo : XXXX. Conduct a formal investigation into the hold placed on my XX/XX/year>2026 deposit XXXX. Provide documentation explaining the reason for the extended hold XXXX. Reimburse all fees and financial damages resulting from the returned mortgage payment and any related charges I made multiple good-faith attempts to resolve this matter directly with Wells Fargo before the financial harm occurred, but those warnings were ignored. Thank you for reviewing this complaint. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX is attempting to collect an alleged internet service debt that is over four years old, making it timebarred under Texas law. Attempting to collect a timebarred debt without proper disclosures may violate the FDCPA. Additionally, XXXX XXXX has not provided any legally required validation. I request full documentation of the original account, dates of service, itemized charges, and proof of assignment. Until such validation is provided, XXXX XXXX must cease all collection activity. If the account has been reported to any credit bureau, I request its immediate removal. I am requesting the CFPBs assistance in ensuring compliance with federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am writing to request verification and documentation regarding the following account on my credit report. Under Section 609 of the Fair Credit Reporting Act, I request copies of the original documents used to verify this account, including a copy of the signed contract or agreement. If you are unable to provide this documentation, I request that the account be removed from my credit report.

Company response to consumer: Closed with non-monetary relief