vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: NV

Complaint narrative:
I opened up a Cash App account 2 weeks ago. I didn't make any purchases until yesterday for XXXX. I linked my own bank account on there, and took the money, starting with {$1.00} to see if the transaction would go through. Then I purchased another XXXX for {$10.00}.... Now they are telling me that they closed my account due to fraudulent activity. While still holding my money! They won't let me transfer the balance over to another of my Crytocurrency accounts or back to my bank account! This is the 2nd time this happened, and I think it's fraudulent on their part! They want your Photo ID, your address, your phone number, and your social security number, but closes your account off a whim! I spoke to a Live Agent, XXXX, and he was telling me there is nothing they can do until I file an appeal. I don't want an appeal ; I don't want to have anything else to do with that company. They are the fraudulent ones. I'm glad I didn't put more money in the account like I wanted to at first!!! They need to take accountability for what they are doing wrong ; they do it a lot because XXXX said, " Many customers have successfully appealed their account closures. That tells me something fishy right there!!! I want my money out of that account, and I don't want to have anything else to do with CashApp. A very fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am filing this complaint against the Department of Education/Nelnet for its continued failure to properly verify and accurately report alleged late payments on multiple student loan accounts, including accounts ending in XXXX and XXXX and XXXX, for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite my formal request for verification, Nelnet has not provided any competent evidence demonstrating that these late payments were calculated correctly, that the accounts were legally delinquent at the time reported, or that the reporting aligns with its own internal payment and account balance records. Reporting repeated late payments without substantiated proof constitutes inaccurate and misleading credit reporting and violates the Fair Credit Reporting Acts requirement that furnishers report only information that is complete, accurate, and verifiable. The burden of proof rests entirely with the furnisher, and Nelnet has failed to meet that burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This complaint is a continuation of CFPB XXXX # XXXX. Citibank closed my business account and is withholding approximately {$10000.00}. 

Citibank responded by stating that funds remaining in my closed business account did not belong to me ; however, Citibank has provided no transaction level accounting, proof of reversals, or documentation supporting this conclusion. 

The core issue remains unresolved : Citibank has not demonstrated where the funds went, why they were removed, or under what authority. 

I am requesting CFPB assistance in requiring Citibank to provide a full accounting and documentation substantiating its claim.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am disputing an ACH transaction that Chase Bank has improperly classified. 

On XXXX XXXX XXXX XXXX XXXXXXXX debit in the amount of XXXX was processed to WISE from my account ending XXXX. While I entered my XXXX information, the payment was induced by deception. No goods or services were delivered. I did not authorize a transfer resulting in a loss with no delivery.

Under Regulation E 12 CFR 1005, authorization obtained through fraudulent means does not constitute valid authorization. This transaction therefore qualifies as an unauthorized electronic funds transfer.

Chase has classified the claim as an ACH Debit Issue instead of fraud, which limits my consumer protections. I have requested reclassification under Regulation E an
d have filed an IC3 report with the FBI Internet Crime Complaint Center.

Chase issued provisional credit but has not confirmed that the claim is being investigated as fraud. I am requesting regulatory review to ensure compliance with Regulation E, proper investigation, and maintenance of provisional credit unless a lawful final determination is made. 

Claim number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
WITHOUT PREJUDICE Date : XX/XX/XXXX To : LVNV FUNDING LLC From : XXXX XXXX XXXX XXXX CEASE AND DESIST NOTICE This letter serves as a formal demand that you immediately cease and desist from the actions described below. 
It has come to my attention that you have engaged in conduct including, but not limited to : Attempting to collect a debt that was involved with bankruptcy in XXXX. 
This conduct is unlawful and interferes with my legal rights. Such actions may constitute violations under applicable laws, including but not limited to [ insert relevant laws, e.g., defamation law, intellectual property law, harassment statutes, contract law, etc. ]. 
You are hereby directed to : Immediately stop the above-referenced conduct. 
Refrain from any future actions of a similar nature. 
Preserve all records, communications, and materials related to this matter. 
Failure to comply with this demand may result in further legal action, including but not limited to seeking injunctive relief, damages, and recovery of legal costs, without further notice. 
This letter is sent without waiver of any rights or remedies, all of which are expressly reserved. 
Please provide written confirmation of your compliance with this notice by XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX XXXX NOTICE : This communication is intended to resolve this matter amicably and does not constitute an exhaustive statement of facts or law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> {$10.00} was taken out of my balance in CashApp, by CashApp themselves, and ( supposedly ) sent to a Chase Bank account that had been closed since XX/XX/year>. Instead of the money being sent back into my CashApp balance, CashApp insists that Chase is responsible for providing the refund. I spoke with a representative of Chase Bank and they informed me that since the checking account was closed prior to this transaction being made, they never received the {$10.00} and therefore could not refund me the money. So for the past 2 months, Ive been going back and forth with CashApp about being refunded my money and theyre refusing to reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: AZ

Complaint narrative:
I work offshore and dont have access to the phone for XXXX weeks at a time so I rely solely on internet. Ive asked XXXX XXXX XXXX via email XXXX times to remove the restrictions from my online account that prevent me from paying the current amount due because they have their system set to require then next payment be included when its not due. The current amount due for my boat loan is {$1100.00} and they force you to pay the next months payment also. Theyve yet to respond to any of my emails but I can not call them because Im in the XXXX XXXX XXXX working.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MD

Complaint narrative:
After paying off the car loan since XXXX XXXX, Westlake financial refuses to send me my XXXX  XXXX  title and getting the lien release and when I called them they keep posting me and at some point they were behaving like they wont release the title to me because they stop responding till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Re : Identity Theft Block Request XXXX XXXX. XXXX ( FCRA XXXX ) To Whom It May Concern, I am a victim of identity theft. Pursuant to XXXX XXXX. XXXX, I am requesting that Experian XXXX from my consumer report all information resulting from identity theft. 

I did not open, authorize, or benefit from the following account ( s ), and they did not result from any transaction I made : Midland Credit Management Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX Portfolio Recovery Associates Account Number : XXXX XXXX XXXX XXXX Funding Account Number : XXXX XXXX XXXX Account number : XXXX Enclosed is my Identity Theft Report along with proof of identity and proof of address, as required by federal law. 

Under XXXX XXXX. XXXXXXXX XXXX is required to block this information within four ( 4 ) business days of receipt of this request. 

Please provide written confirmation once the block has been completed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Mandatory Identity Theft Block 15 U.S.C. 1681c-2 ( FCRA 605B ) To Whom It May Concern, I am formally notifying XXXX that I am a victim of identity theft. 
Pursuant to 15 U.S.C. 1681c-2, I am requesting that XXXX block all information resulting from identity theft from my credit file. 

The following account ( s ) were not opened or authorized by me : Midland Credit Management Account Number : XXXX Midland Credit Management Account Number : XXXX Portfolio Recovery Associates Account Number : XXXX Resurgent / LVNV Funding Account Number : XXXX XXXX XXXX Account number : XXXX Copies of my Identity Theft Report, proof of identity, and proof of address are enclosed. 

Please block these items within four ( 4 ) business days and provide written confirmation of compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Identity Theft Information Block 15 U.S.C. 1681c-2 To Whom It May Concern, I am a victim of identity theft and am exercising my right to a mandatory block under 15 U.S.C. 1681c-2. 

The following accounts did not result from any transaction I made : Midland Credit Management Account Number : XXXX Midland Credit Management Account Number : XXXX Portfolio Recovery Associates Account Number : XXXXXXXX XXXX XXXX XXXX Funding Account Number : XXXX XXXX XXXX Account number : XXXX Attached are the required documents supporting this request. 

Please complete the block within four ( 4 ) business days and send written confirmation once completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Product : Bank account or service Sub-product : Checking account Issue : Managing an account Sub-issue : Deposits and withdrawals Company : First Citizens Bank What happened : On XX/XX/XXXX, First Citizens Bank electronically withdrew {$2900.00} and {$170.00} from my checking account, causing my account to overdraft by approximately {$2000.00}. 

I am not a customer of First Citizens Bank. 

I had previously established an ACH agreement with my landlord, who banked at First Citizens Bank, to withdraw rent from my account. My landlord closed her First Citizens Bank account on XX/XX/XXXX - over a week before this withdrawal occurred. 

Despite the account being closed, First Citizens Bank processed the ACH withdrawal anyway, removing funds from my account without valid authorization. This was an error on First Citizens Bank 's part in failing to properly cancel the ACH authorization when the account was closed. 

As a result of this erroneous withdrawal : My account was overdrawn by approximately {$2000.00} XXXX incurred overdraft fees of approximately {$300.00} I had other payments bounce, causing additional fees I have had no access to funds in my checking account Total damages are approximately {$3300.00} XXXX contacted First Citizens Bank on XX/XX/XXXX. Their Operations Service Supervisor admitted in writing on XX/XX/XXXX that the funds " were drawn out of [ my ] account in error '' and said they submitted a request for immediate return of the {$2900.00} and {$170.00} on XX/XX/XXXX. 

As of today, XX/XX/XXXX, the funds have still not been returned to my account. I continue to have no access to my money due to First Citizens Bank 's error. 
What would be a fair resolution : I request : Immediate return of the {$2900.00} withdrawn in error Reimbursement of all overdraft fees, bounced payment fees, and other damages caused by this error ( approximately {$400.00} ) Compensation for the financial hardship and time spent resolving First Citizens Bank 's mistake Total resolution amount : {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am submitting a complaint regarding inaccurate, incomplete, and unverifiable information being reported by Navy Federal Credit Union on my credit report. 

This account is an auto loan that is currently reported as a chargeoff with a balance of {$6700.00}. The account continues to report derogatory information and update monthly despite the lack of proper verification as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

I previously disputed this account and requested verification. However, Navy Federal Credit Union has failed to provide complete documentation proving the accuracy, completeness, and legal obligation of this debt. Despite this failure, the account continues to be reported in a manner that is misleading and harmful. 

Specific issues with this account include : Failure to provide proper verification Continued reporting of a chargedoff balance Inaccurate and incomplete account information Ongoing reporting without proof of accuracy

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding a debt collection account being reported by this company with a balance of approximately {$790.00}, which I identified on my credit report in XX/XX/year>. 
I dispute owing this debt as reported because the account has not been properly validated. I have not been provided documentation showing the original agreement, an accurate accounting of the amount owed, or proof that this company has the legal right to collect the debt. 
I did not receive proper written notice of the debt prior to it being reported to the credit bureaus. Despite this, the account continues to be reported as a collection, which is negatively impacting my credit. 
I am requesting that this matter be investigated and that the company either provide full validation of the debt or remove the account from my credit report if it can not be verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I'm writing in response to a email received from LVNV Funding LLC located at address c/o Resurgent Capital services XXXX SC XXXX XXXX : reference # XXXX regarding an alleged debt for $ XXXXThis is not a refusal to pay, but a formal request for validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ,15 U.S.C.1692g. I dispute this debt and request that LVNV Funding LLC provide the following information. 1.Documented proof that their agency has the legal right to collect this specific, debt.This must include any contracts, assignment agreements, or bills of sale showing the transfer of ownership from the original creditor to their agency. 2. The name and address of the original creditor. 3.A copy of the original contract or agreement bearing my signature. 4.An itemized breakdown of the total amount, including principal, interest, and any added fees.5. Documentation showing their legal authority and license to collect this debt in my state.6. The date of the last payment made on this account and the date it became delinquent.Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: FL

Complaint narrative:
First financial resource, a debt collection company claimed I used Just Like Family Concierge for their transporting service on XX/XX/XXXX XXXX for {$3100.00} and is trying to send it to collections via XXXX  and XXXX XXXX and XXXX  now state this as well. I disputed with XXXX  and they say it has been verified and is accurate. The company has not gotten back to me. On those dates I was out of town and can verify this was never used on any bank of mine or credit card. They have not submitted or sent me any proof of purchase for this product. The company states this is in use for senior transportation services. I am XXXX XXXX XXXX and my father is passed away, mother is healthy and XXXX XXXX XXXX. No one i have would have Used this with. I have contacted XXXX  and verify this info and they only updated it as verified and accurate without giving reasoning. I told them this is fraud and identity theft and I am not okay with this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ONLINE Information Services, Inc.
State: IL

Complaint narrative:
WITHOUT PREJUDICE Date : XX/XX/XXXX To : ONLINE INFORMATION SERVICES From : XXXX XXXX XXXX XXXX CEASE AND DESIST NOTICE This letter serves as a formal demand that you immediately cease and desist from the actions described below. 
It has come to my attention that you have engaged in conduct including, but not limited to : Attempting to collect a debt that was involved with bankruptcy in XXXX. 
This conduct is unlawful and interferes with my legal rights. Such actions may constitute violations under applicable laws, including but not limited to [ insert relevant laws, e.g., defamation law, intellectual property law, harassment statutes, contract law, etc. ]. 
You are hereby directed to : Immediately stop the above-referenced conduct. 
Refrain from any future actions of a similar nature. 
Preserve all records, communications, and materials related to this matter. 
Failure to comply with this demand may result in further legal action, including but not limited to seeking injunctive relief, damages, and recovery of legal costs, without further notice. 
This letter is sent without waiver of any rights or remedies, all of which are expressly reserved. 
Please provide written confirmation of your compliance with this notice by XX/XX/XXXX. 

Sincerely, XXXX XXXX XXXX XXXX NOTICE : This communication is intended to resolve this matter amicably and does not constitute an exhaustive statement of facts or law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts I've referenced are not XXXX XXXX accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect - you must cease all collection efforts and remove the information from my credit report.

( switch up the wording up that you understand to sound

Company response to consumer: Closed with explanation