vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Signed up for XXXX XXXX back in XXXX. Over the years navient has become the holders of my student loans for these tuition fees. Back in XXXX I called and submitted a requested information on why I was being contacted by third-party companies that claimed to operate on behalf of navient and who were somehow privy to my personal information. They never responded or fulfilled my request. They also repeatedly provided false and inaccurate information to my credit is damaging my credit. Reporting missed payments when my loans are on deferment. At times even outright refusing to complete deferment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2
State: TX

Complaint narrative:
I discovered inaccurate negative accounts reporting on my credit file, including charge-offs and a collection account. I formally disputed these accounts with the credit reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA 611 ). Despite my dispute, the accounts were verified without the company providing competent documentation establishing my contractual obligation. I requested validation, including signed agreements and proof of assignment for the collection account, but no such documentation was provided. The continued reporting of unverified and potentially inaccurate information violates FCRA 1681e ( b ), which requires maximum possible accuracy, and 623 ( a ) ( 8 ), which requires furnishers to conduct a reasonable investigation. I am seeking deletion of any account that can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
My first issue with Chime was an incident. Where I sent XXXX to someone to get my hair done. Come to find out it was a scam. I have text messages and all to back my claim up. Yet, they did nothing. My second issue with Chime was I used to have my work check deposited in this account. They had started this my pay. In which they would take a portion of your money and disperse it to you in small amounts. I hated that because it was time I needed to touch my whole check. So I switched my check to a traditional bank. Recently my family sent me XXXX dollars. In which Chime claimed I owed the XXXX. Which was my money in the first place. This is a prepaid bank. They dont pay for nothing unless you have the funds. I never received notice are anything, but I knew that I never owe them. Because you only can use what you put in!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I made XXXX payment toward the end of XXXX. It left my bank account, processed on my bank end and mortgage end and then was reversed on XX/XX/XXXX ( and never returned to my bank account ). XXXX payment was was processed on both ends XX/XX/XXXX, then reversed on XXXX, never to return to my bank account. The mortgage company says its an XXXX internal banking issue, and the bank is saying its a mortgage issue since the funds were present. The bank end sees more than enough funds in account, the mortgage being paid, and thats that. The mortgage company is claiming there were insufficient funds ( even though bank statement shows the opposite ). I have been ping ponging between the XXXX and put in an exuberant amount of hours at both my bank branch and speaking with the lender to no avail. I have provided the lender bank statements baking up my claim and they are still saying they need a transmittal report to proceed. XXXX XXXX does not offer transmittal reports because it is not a term they use. They have given what the can, and still I am in default for the past XXXX months. This is a new lender after refinancing at a lower rate when rates dropped at the end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I hired XXXX XXXX XXXX to help solve a debt by consolidating all my debts into XXXX and the debt collection agency is refusing to work with debt organization. I work parttime and is XXXX. I filed for bankruptcy in XXXX and it was finalized in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MIDFIRST BANK
State: OH

Complaint narrative:
Subject : Report of Forgery and Mortgage Fraud Involving HUD loan I am writing to report forgery and mortgage fraud involving a loan connected to a HUD insured mortgage by Midfirst Bank. My name has been used without my authorization in connection with loan documents, modification of loans, and/or related paperwork. Details : On XX/XX/XXXX my name was forged on a HUD modification loan to secure modification financing on a property I am a deed holder on. Furthermore, this modification was notarized by the sister of the accused person forging my name, and then faxed to Midfirst Bank and recorded by XXXX XXXX XXXX. I did not sign or authorize these documents and they were executed fraudulently. This issue has affected my legal and/or financial interest in the property, and I am willing to provide copies of any records, correspondence, or evidence supporting this report. I have reported this incident to MidFirst bankXXXX XXXX XXXX XXXX a division of MidFirst bank ) on XX/XX/XXXX. I have also made a police report to XXXX XXXX XXXX Police Department and reported this to XXXX. XXXX XXXX responded in XX/XX/XXXX, and stated this did not create personal liability because I am not a deed holder as of XX/XX/XXXX, but this is not true. I am still a deed holder on the property and this has indeed created a large personal financial disparity. ATTACHED : current deed, forged documents from XXXX modification, XXXX modification that I did sign and agree to, and statement from my job on the day the documents were forged

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Validation of Debt Request - RADIUS GLOBAL SOLUTION ( Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I'm going to keep pursuing this! Close my XXXX account! If you closed my accounts and blacklisted me for " violating your terms of agreements ''! Then why are you still sending statements for my account ending in XXXX to my home address?? You said in the last CFPB complaint that you closed my online account -- -liar! You just know the CFPB are a bunch of cowards with no power! Just like you!

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 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I discovered inaccurate negative accounts reporting on my credit file, including charge-offs and a collection account. I formally disputed these accounts with the credit reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA XXXX ). Despite my dispute, the accounts were verified without the company providing competent documentation establishing my contractual obligation. I requested validation, including signed agreements and proof of assignment for the collection account, but no such documentation was provided. The continued reporting of unverified and potentially inaccurate information violates FCRA 1681e ( b ), which requires maximum possible accuracy, and 623 ( a ) ( 8 ), which requires furnishers to conduct a reasonable investigation. I am seeking deletion of any account that can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I reserved late payments on my credit report when my loans were in forbearance and they still reported them late. I sent proof that I havent worked since XXXX and cant afford to make payments and they said once its on my credit they can remove it just start the forbearance process over. It knocked my credit down XXXX points because they didnt do their job and refuse to remove late payments even after all my personal information was compromised without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MO

Complaint narrative:
CREDIT CONTROL LLC is reporting false inaccurate information on my credit report. Ive never had or authorized an account with XXXX Ive been involved in mutiple data breaches and filed complaints with the FTC. 15 USC 1681 section 604 A section 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NY

Complaint narrative:
In XX/XX/year>, I requested XXXX to cancel my internet service. Despite my request, XXXX failed to process the cancellation and continued to bill me incorrectly. I have since switched to XXXX, and I have a bill from XXXX dated XX/XX/year>, proving that I was already using a different provider 's service at that time. I do not owe the {$160.00} claimed by XXXX and their collection agency, TrueAccord. This is a billing error caused by XXXX failure to close my account as requested. This inaccurate collection account has severely damaged my credit, dropping my XXXX FICO score to XXXX. I request that this collection be completely removed from my credit report immediately.

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 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
I initiated an international money transfer on XX/XX/XXXX for approximately XXXX lakh equivalent in USD through Abound. My XXXX XXXX account was fully debited. The transaction status shows Delivered on XX/XX/XXXX. However, the beneficiary bank in XXXX confirms that funds have not been received as of XX/XX/XXXX. I have requested the UTR/bank reference number multiple times but have not received a response. I am requesting an immediate investigation and formal bank trace. I have sent 3 times the money was delivered 2 times but 3 rd there is no delivery

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I recently got back my credit report and noticed theres debt there that shouldnt be. The date is showing it was opened XX/XX/year> Southwest credit systems XXXX. Open balance is about XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am filing this complaint against Capital One for improperly assessing twenty-three ( 23 ) separate {$10.00} cash advance fees, totaling {$230.00}, and for refusing to conduct a reasonable investigation despite clear evidence. FACTUAL TIMELINE Prior to XX/XX/XXXX No cash advance fees were assessed on XXXX purchases. XX/XX/1519 Twenty-three ( 23 ) separate {$10.00} cash advance fees were applied to transactions involving multiple XXXX XXXX XXXX Upon discovering the fees, I immediately froze my card. After XX/XX/XXXX Once the card was unfrozen and normal activity resumed, no further cash advance fees were assessed on similar transactions. The fees were confined to a four-day window and did not occur before or after that period. MERCHANT AND XXXX CONFIRMATION XXXX provided written confirmation that they do not designate transactions as cash advances and do not charge cash advance fees. During a three-way call initiated by Capital One, XXXX confirmed there were no cash advance designations or related fees on their end. FAILURE TO INVESTIGATE Despite : A clearly defined four-day fee window No fees before or after Merchant written confirmation XXXX confirmation during a three-way call Written dispute letters sent by me Approximately six ( 6 ) hours spent across three phone calls Capital One refused to reverse the fees or provide documentation explaining : Why the transactions were coded as cash advances Who assigned the coding Whether an internal system error occurred Why 23 identical fees were applied during a brief window only Their responses were conclusory denials without documented investigation. HARM {$230.00} in improper fees Associated interest Significant time burden Ongoing financial stress REQUESTED RESOLUTION I request : Immediate reversal of all 23 cash advance fees Reversal of all associated interest Written documentation explaining the transaction coding source Confirmation that no negative credit reporting occurred Review of Capital Ones dispute handling in this matter Capital One has a duty under the Fair Credit Billing Act to conduct a reasonable investigation of billing disputes. That has not occurred here. I respectfully request regulatory review and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: OR

Complaint narrative:
I cancelled my service with XXXX XXXX in XXXX of XXXX. I paid all fees and my balance was {$0.00} as of XX/XX/XXXX. XXXX requested I return a modem to them and provided me with a shipping label. I sent the equipment back to them with the provided shipping label. In XXXX of XXXX a fee of {$270.00} was added to my account after the service had been cancelled and all equipment already returned. The fee was removed in XXXX of XXXX as shown in the supporting documents before being added again in XXXX of XXXX fraudulently. The fee was sent to a collections agency, XXXX and XXXX. They never reached out to me by email and never confirmed that the debt is accurately and correctly mine. Once the fee was on my credit report I called them to find out more. I was threatened that my credit report would be further affected if I did not pay the fee. I went ahead and paid the fee to prevent further damage to my credit report. However, the account continues to be on my account despite being paid and continues to affect my XXXX XXXX severely, limiting my opportunities to buy a home. I have called both XXXX and XXXX and XXXX and they refuse to remove the account from my credit report and will not acknowledge that I was incorrectly charged and threatened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
To whom it may concern, I am submitting this complaint to formally request enforcement of mandatory relief under the XXXX v. XXXX settlement. I submitted my Borrower Defense to Repayment application in XX/XX/XXXX and am a post-class applicant under the XXXX v. XXXX settlement. Under the terms of the settlement, the Department of Education was required to issue an approval or denial decision on my application no later than XX/XX/XXXX. That deadline has now passed, and no decision has been issued. My loan servicer, Aidvantage, has confirmed in writing that : No Borrower Defense decision has been transmitted to them by Federal Student Aid My account remains under review with no timeline for completion Aidvantage does not have authority to issue or enforce Borrower Defense determinations Under the XXXX v. XXXX settlement, failure to issue a decision by the required deadline entitles the borrower to mandatory relief, including : Full discharge of all federal loans associated with the covered schools listed in my application Refund of qualifying payments made Correction of any related negative credit reporting I am therefore requesting : 1. Immediate confirmation that my application qualifies for mandatory relief due to the missed decision deadline 2. Prompt processing and application of the required loan discharges and refunds 3. Written confirmation of the actions being taken to bring my account into compliance with the settlement Please treat this matter as an escalation and provide a written response documenting next steps. Thank you for your prompt attention. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: TX

Complaint narrative:
I am formally documenting Bank of Americas systemic obstruction of my legal right to dispute an erroneous transaction. Your current infrastructure is creating a " service loop '' designed to prevent consumers from exercising rights under the Fair Credit Billing Act ( FCBA ). Transaction Details : Merchant : XXXX Transaction Date : XX/XX/2026 Amount : {$74.00} Order Number : XXXX Timeline of Systemic Failure : App Obstruction : On XX/XX/2026, the BofA Mobile App refused to process a dispute for this transaction, directing me to call the XXXX. XXXX XXXX & XXXX : I called the XXXX and entered my sensitive account and personal information. Immediately after the system verified my identity, it unilaterally terminated the call. Deliberate Stalling : On my second attempt, I was placed on hold for over 20 minutes without a human response. Refusal of Call Back : Your system failed to offer a " Call Back '' option, forcing me to remain on a non-responsive line, effectively blocking my ability to file a dispute for " Goods Not Received. '' Evidence of Merchant Deception : The merchant ( XXXX ) has admitted to a warehouse error and subsequently attempted to cover it up by providing a falsified XXXX tracking number ( XXXX ). This tracking number is confirmed as non-existent by the XXXX system. Desired Resolution : I demand the immediate opening of this dispute. I will not accept any interest or late fees on this amount. I am also submitting this record to the CFPB and OCC as evidence of systemic service obstruction. Sincerely, XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2026-03-01 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: TX

Complaint narrative:
Validation of Debt Request - MIDLAND CRED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation