vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am submitting this complaint regarding Discover Bank and the law firm XXXX XXXX XXXX concerning an alleged debt that has not been properly validated and is being inaccurately reported on my credit report. 

Discover Bank has stated that this account was sold or assigned to XXXX XXXX XXXX for collection. However, XXXX XXXX XXXX has confirmed in writing and verbally that, as of today, they have not received the account file or any documentation from Discover Bank, despite more than eight ( 8 ) months having passed since the alleged transfer.

As a result, no party has been able to provide competent evidence that this debt is valid, owed, or legally collectible by XXXX XXXX XXXX. 

This conduct violates multiple federal consumer protection laws : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) and 1692g ( b ) A debt collector must provide validation of the debt upon request and must cease collection activities until proper verification is provided. XXXX XXXX XXXX can not validate the debt and therefore lacks authority to collect. 

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information may not report information they know or have reasonable cause to believe is inaccurate. Discover Bank continues to report this debt despite knowing the receiving party lacks documentation and proof of ownership.

FCRA, 15 U.S.C. 1681s-2 ( b ) Once a dispute exists, furnishers are required to conduct a reasonable investigation and verify the accuracy of the information. Reporting an unverified debt fails the reasonable investigation standard. 

Because Discover Bank can not demonstrate that the debt has been properly transferred or validated, and XXXX XXXX XXXX can not prove the debt exists or that they have the legal right to collect, the continued reporting of this account is inaccurate, misleading, and unlawful. 

I am requesting the following relief : Immediate deletion of the Discover Bank tradeline from all consumer reporting agencies Written confirmation that the alleged debt is unverified and unenforceable Cessation of any collection activity related to this account If Discover Bank or XXXX XXXX XXXX can not produce admissible evidence proving the debt, its amount, and lawful ownership, this account must be removed from my credit file in accordance with federal law. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA
State: PA

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX discharge application on XX/XX/year> for my Student Loans which were held by PHEAA. My discharge was approved by XXXX XXXX XXXX on XX/XX/year>. I have been aggressively contacted by PHEAA since XX/XX/year> stating my loans are in default. I contacted them and told them I had a XXXX  application in process and collections should be on hold. They ignored the XXXX application process and continued to send collection letters. When I received the approval of my discharge, I sent PHEAA a copy of the letter and XXXX XXXX XXXX also sent them a letter that my loans should be discharged. I have received 3 more letters for collection from PHEAA since then and the last letter said they have denied my objection to paying the loan based on the TPD discharge because they said they were not notified from the United States Department of Education ( USDE ) regarding the discharge. I contacted Federal Student Aid where I received the discharge approval and they said that PHEAA was notified. PHEAA is threatening seizure of my Federal Tax Refund. I don't know what I am supposed to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: CA

Complaint narrative:
I filed a dispute for a charge related to a merchant shipping failure. The merchant promised free shipping but used an invalid XXXX label and failed to pay postage. XXXX required me to pay {$8.00} postage due to receive my package. The merchant admitted fault in writing and promised reimbursement but never issued the refund. 

My bank denied the dispute after the merchant responded, but I was never given an opportunity to submit my evidence or rebut the merchants response. The denial appears to have been based on incomplete information and an incorrect dispute classification. This was not a merchandise dispute it was a shipping failure and a failure to honor a promised refund. 

Today ( XX/XX/year> ), I attempted to contact the bank by phone to appeal the dispute. After a long wait, a callback after XXXX minutes, and a call transfer, I was placed on hold again for over XXXX minutes and could not reach a representative. I am unable to update the claim online and the chat system provides no assistance.

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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2026-02-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Total Gift Card amount was {$50.00}, Amex Gift Card On XX/XX/year>, attempted a payment of {$50.00} for groceries at XXXX. XXXX not accepted. 
On XX/XX/year>, attempted to add card as a payment method on XXXX app, Card not accepted. 
On XX/XX/year>, added card as payment method on XXXX, attempted to use funds to add balance to XXXX account, first in the amount of {$50.00}, then in the amount of {$49.00}, both payments were declined. 
On XX/XX/year>, attempted to add card as a payment method on XXXX XXXX XXXX, XXXX not accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
I disputed some charges made on my account with cashapp XXXX were made to the same merchant they cancelled my card and sent a new one I was credited for XXXX of the charges when I asked why only XXXX I was told to redispute the charges they cancelled out my new card I've tried to get it replaced but they refuse to and saidi made fraudulent claims when I was only doing what cashapp support told me to do I dont have dates I'm not digging them up not only that but they have allowed emails not mine and other devices to log into and be attached to my account in which I have had over a XXXX in total just disappear they will not give me any information claiming they can not they said I failed to verify my identity when the app clearly shows identity verified now I can receive and send money but it's useless without my card I got scammed for a XXXX in XXXX  and they will not help me get it back cashapp is a ruthless joke ran only by computers and when you call it is to another country

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Bright Side Loans, LLC
State: MO

Complaint narrative:
In XX/XX/XXXX, I obtained a loan from XXXX Bright Side Loans ( Loan No. XXXX ). On XX/XX/XXXX, I sent a written notice formally electing arbitration under the loan agreement 's arbitration clause. I also disputed the outstanding balance and revoked all prior electronic payment authorizations. 

Despite this, on XX/XX/XXXX, the company sent me a XXXX to Cure notice demanding payment by XX/XX/XXXX. This demand ignored my prior arbitration election and continued collection efforts outside of the agreed arbitration process. 

On XX/XX/XXXX, I sent a second notice reminding the company of the arbitration election and disputing the balance again. As of today, they have not responded or acknowledged the election, and they continue to treat the loan as active for collection outside arbitration. 

I am requesting that the CFPB assist in ensuring that this company complies with the arbitration terms in the agreement and ceases any further non-arbitration collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sezzle Inc.
State: MD

Complaint narrative:
I had several installment loans with Sezzle. All installment loan balances were completely paid off on XX/XX/XXXX. Shortly after those loans were completely paid off, I was notified that my account was restricted and I would no longer be able to use their services. 

A merchant ( XXXX ) had issued a refund on one of the installment loan purchases so it credited my Sezzle Balance account in the amount of {$14.00} on XX/XX/XXXX. I contacted their customer service team and explained the situation to them. I had received a refund, the balance shows on my Sezzle account balance, but since my account is restricted, I can not access/use the money since their company policy is to only allow Sezzle balance 's to be applied to repayment of installment loans. The customer service representative advised they were working on a solution to refund that money to my bank and it arrived on XX/XX/XXXX into my account. 

Shortly after this situation, I received another refund from the same merchant ( XXXX ) which resulted in another account balance accrual within my Sezzle account that I could not access. When I contacted their customer service team, another representative advised that they would not issue any refunds and I could not use that balance since my account was restricted. The refund amount was {$18.00} and happened on XX/XX/XXXX. 

After several emails back and forth, on XX/XX/XXXX I advised them I would be making a formal complaint to the CFPB if they were not willing to work with me on amicably resolving the situation as this was a direction violation of 12 CFR 1026.11 ( Treatment of Credit Balances ) under the Truth in Lending Act ( Regulation Z ) and asked for a refund within 7 business days. I've tried following up 2 additional times to find a resolution and the company has stopped responding. 

Please advise what steps can be taken to receive the money that is owed. 


Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
On or abouts XXXX XXXX I was called by the XXXX XXXX fraud department about some charges appearing on my account. I told them that these were not my purchases and can they please investigate the charges. I received a letter stating that my account had been fraudulently charged and I would receive a credit for the charges. My XXXX statement had a balance of {$41.00}. After the credit to my account now I have a balance of {$130.00} with a discrepancy of {$98.00} from Purchases, cash advances, and debits according to the statement. It appears that I was not fully credited for the fraud purchases or some charges are not showing on the full statement. I can't seem to get a complete answer from the fraud department or the customer service agents at the credit card company as I have called several times and even opened up another claim. In my opinion, since the claim has already been closed there is nothing I can do about it.

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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I paid off overdraft fees from Chase and can not open another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to respectfully request reconsideration regarding my eligibility to open a checking account with your institution.

When I was younger, I made a poor financial decision that ultimately prevented me from being able to open a checking account with this bank. I fully acknowledge that the mistake was my responsibility. At the time, I lacked the maturity and financial discipline that I now understand is essential.

Since then, I have grown significantly, both personally and financially. I have taken responsibility for my actions and learned from the experience. I am now in a position where I want to move forward the right way and establish a proper banking relationship built on responsibility and accountability.

I would be extremely grateful for the opportunity to make things right. I am willing to repay any outstanding obligations, comply with any conditions required, or even begin with a restricted or limited account if that would allow me to demonstrate that I can be a responsible and trustworthy account holder.

Thank you for taking the time to consider my request. I truly appreciate any opportunity to prove that I have learned from my past and am committed to handling my finances responsibly moving forward.

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 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I am current on my conventional mortgage with Rocket Mortgage. I contacted Rocket Mortgage on XX/XX/year> to proactively inquire about short-term medical hardship forbearance due to scheduled XXXX  XXXX on XX/XX/year>, which will temporarily prevent me from working. 

I spoke first with a customer service representative named XXXX, then was transferred to an Account Resolution Specialist named XXXX who also claimed he was a loss mitigation specialist AND Supervisor in Mortgage Assistance. I asked multiple times for clarification on how an approved medical or economic hardship forbearance would be reported to the credit bureaus. The representative repeatedly stated that any hardship option offered by Rocket Mortgage would be reported as a late payment, regardless of medical incapacity with Drs note/information or formal forbearance status. 

The representative was unable to clearly explain whether an account in an approved forbearance would be reported as delinquent versus reported under a forbearance or modified payment status. I requested escalation to SEVEN TIMES to a supervisor or loss mitigation manager and the representative refused to escalate the call or provide written confirmation of Rocket Mortgages credit reporting practices. 

I am concerned that Rocket Mortgage is providing inconsistent or inaccurate information regarding credit reporting during approved hardship forbearance and is discouraging borrowers from seeking assistance by stating that all options result in late payment reporting. I am requesting clarification of Rocket Mortgages credit reporting practices for approved medical and/or economic hardship forbearance and confirmation that borrowers in formal agreements are not misreported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: SC

Complaint narrative:
ABSOLUTE RESOLUTIONS I is falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTE RESOLUTIONS I 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 2026-02-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: AR

Complaint narrative:
Nelnet placed my account into an approved administrative forbearance beginning XX/XX/XXXX due to federal repayment uncertainty and the inability to recalculate my XXXX XXXX XXXX XXXX  ) payment. This forbearance remained in effect through XX/XX/XXXX, during which time no payments were due and delinquency status should not have advanced. 

Despite this active forbearance, Nelnet furnished data to XXXX  showing escalating delinquency during the protected period, specifically : XXXX XXXX XXXX  days past due XXXX  XXXX XXXX days past due XXXX XXXX XXXX  days past due XXXX XXXX XXXX  days past due These months fall entirely within the documented forbearance period. Delinquency aging during forbearance is inaccurate and misleading. 

I disputed this reporting with XXXX. XXXX  completed the investigation and upheld the reporting despite documentation showing my account was in forbearance. 

At the time the forbearance was applied, federal student loan repayment requirements were subject to widespread litigation and shifting guidance, which Nelnet acknowledged by placing my account into administrative forbearance. Given these circumstances, it was reasonable to rely on the protections of forbearance. 

I am requesting that Nelnet correct its furnished credit reporting to reflect forbearance/no payment due during the affected months and remove all delinquency aging reported during the forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I deposit a {$2000.00} check into my account for my sister. The bank took the funds and close my account told me theres nothing they can do. They sent the money back to the bank which is not true. The money was sent to a fraud account and theyre telling me theres nothing they can do About getting the funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: OH

Complaint narrative:
We enrolled with National Debt Relief nearly three years ago to resolve multiple unsecured debts. One of the enrolled accounts had an original balance of approximately {$1300.00} and was owned by XXXX XXXX XXXX. 

For a significant period of time, this account was not actively negotiated due to a clerical or administrative error by National Debt Relief. We were later informed that the delay was not the result of creditor refusal or lack of available funds, but an internal issue on NDRs part. This contributed to the account remaining unresolved for an extended period. 

After nearly three years in the program, the account was placed into litigation. National Debt Relief then presented a final settlement offer of approximately {$1500.00}, which after fees would have required us to pay approximately XXXX XXXXXXXX than the original enrolled balance. We declined this offer as unreasonable. 

Upon declining the settlement, National Debt Relief removed the account from negotiation entirely and informed us they would cease negotiating on our behalf. This action exposed us to immediate litigation risk and required us to handle the matter independently, despite our reliance on NDRs representations that they would negotiate in good faith and manage enrolled accounts appropriately. 

Following this, we attempted to contact National Debt Relief to speak with a supervisor regarding the status and handling of our remaining enrolled account with a balance of approximately {$21000.00}. On two consecutive days, we were assured by NDR representatives that a supervisor would return our call within one to two hours. No supervisor returned our calls on either day. 

This lack of communication is particularly concerning given the risk of litigation on the remaining account and our reliance on National Debt Relief to actively manage and negotiate enrolled debts. The failure to provide supervisory contact, clarity on account status, or timely responses places us at material financial risk. 

We believe National Debt Reliefs actionsincluding prolonged inaction due to an internal error, removal of an account solely because we declined an unfavorable settlement, and failure to communicate as promisedare inconsistent with the representations made at enrollment and during the program. 

We are requesting regulatory assistance to ensure National Debt Relief provides clear communication, transparency regarding account status, and appropriate handling of enrolled debts without coercive pressure to accept unreasonable settlements.

Company response to consumer: Closed with explanation