vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
I deposited a checked almost 2 months ago.it was cleared and accepted now almost 2 months later they are telling me the check is bad or reversedbut it was from a scrap companyno one else has the check but me soooooo.where is my moneyit has almost put my account in the negative tremendously

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am writing to formally request your assistance in resolving my recent complaint regarding my Bank account. I appreciate your willingness to help investigate this matter. My Bank name was Sofi Bank, I have Checking and Savings account on them. The money in my Sofi Bank account, that was a personal loan from my close friend. Her name is XXXX XXXX XXXX XXXX, I Barrow money on her Total {$250000.00} dollarsXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX dollars. My primary goal was to pay my debts and credit cards debts and bills. When I received the money. I wanted to invest some of that money, in XXXX. Me myself wants to invest in crypto. Because I see XXXX has drop a lot. I had experience and study how XXXX works. I wanted to buy and holding it. Because i know it will rise again soon and sold it to make profits, thats my plan. When i wire the money, to buy XXXX. Then thats my Sofi Bank account got restricted. I called them and spoke with them and explained to them. After lots of calling back and forth. Their decision to close my bank account. My Bank account was close XXXX XX/XX/year>. And the amount in my bank account was being returned to my friend who send me the money. But the money was not returned to her account. No matter how many times i called to my Sofi Bank account that the amount is not being reflected on her XXXX XXXX XXXX, But Sofi Bank only they can say that the amount was being returned to the originator. But it was not there. Even my friend would called her bank and talk to her Bank, that XXXX refunded the amount and send back to XXXX XXXX Bank since thats the decision. And thats my friend Bank account the XXXX XXXX XXXX. But never reflected on her bank account. every time i would contacted their support team ether i would called my Sofi Bank. And my friend would call her XXXX XXXX Bank. But the issue remains unresolved. My Sofi Bank need to return total amount {$240000.00} cents to the originator in behalf of thier decision XXXX my friend submitted a claim to her bank XXXX XXXX XXXX it was denied. I have attached copies of all my bank details of what happened. With gratitude, Thank you once again, for your dedication and support. I am incredibly grateful for the time and effort your team, took to help me resolve my bank issue. Your assistance has made a significant difference, and I truly appreciate your excellent service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXox 4500 Allen, TX 75013 Subject : Formal Dispute of Inaccurate Account Information ( FCRA Section 611 ) To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Upon reviewing my XXXX credit report dated XX/XX/XXXX, I noticed significant reporting errors regarding the following account : Account Name : FOURSIGHT CAPITAL LLC Account Number : XXXX ( as appearing on my report ) Account Type : Auto Loan The specific inaccuracies are as follows : XXXX. Inconsistent and Contradictory Status Data : The payment history and status guidelines state that this account was charged off in XX/XX/XXXX. However, the account status line also inaccurately reports " {$16000.00} past due as of XXXX XXXX. '' An account can not continue to become " past due '' or rack up new monthly past-due amounts years after a final Charge-Off status has been designated. 2. Inaccurate and Conflicting Balance Information : The status notes a write-off amount of {$15000.00}, while the reported remaining balance is listed as {$14000.00}. These numbers are contradictory and fail to meet the standard of 100 % data accuracy required by law. Under the FCRA, all information reported by credit bureaus must be entirely accurate, complete, and verifiable. Because this account contains conflicting data and flawed payment history tracking, it is damaging my credit profile illegally. Please investigate these discrepancies with the furnisher immediately. If Foursight Capital LLC can not verify this history with absolute accuracy and resolve these data contradictions, this account must be deleted from my credit file entirely. Thank you for your prompt attention to this matter. I look forward to receiving your written response within the legally mandated XXXX window. Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: OR

Complaint narrative:
On XX/XX/XXXX, we visited a restaurant in XXXX XXXX XXXX XXXX, XXXX. We were charged {$71.00} and immediately received a notification from our credit card ( XXXX with Bank of America ). This charge showed on our statement on XX/XX/XXXX and is correct. However, a few minutes later, I received another notification from the credit card about a transaction of {$300.00}, from a restaurant approx. 30 mi away ( shown on the statement on XX/XX/XXXX ). I called the fraud line of BofA a short time later and reported the case. The operator assumed that the restaurant that we visited used a skimmer. On XX/XX/XXXX, BofA temporarily refunded $ XXXX XX/XX/XXXX they sent a letter stating that they were not able to approve the claim. Reason : " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' They charged the amount back to our account. I immediately called them and again talked to the fraud department, telling them that a ) it was impossible that I signed a receipt within minutes at locations that are 30 miles apart from each other. I asked for the proof documentation, which I never received. BofA reopened the claim and promised an internal investigation. On XX/XX/XXXX, I received the same letter and reasoning again from BofA, stating again that the claim was disapproved. I asked for a manager who assured me that they would reopen the claim and investigate again, and send me the information. Again, I never received it. Today, XX/XX/XXXX, I checked the claim and saw it closed. Called the fraud department again. The person there said that in their system, the claim was open again, but I just could not see it on the customer side. However, he said that the proof information is internal and couldn't be sent out. But I should send a written request for the proof of card usage. Which I will do. I informed them that I will involve the cfpb and will also hand this case to an attorney if they don't respond accordingly.

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 2026-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
On XX/XX/year>, I received a written correction notice from the U.S. Department of Education stating that I had already received loan forgiveness through PSLF or another federal program and that nothing had changed regarding the forgiveness already received. Current loan servicing records now contradict this official written communication. Despite repeated attempts through servicers, ombudsman channels, and congressional offices, I have been unable to obtain a formal reconciliation of these conflicting determinations.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or misleading advertising or marketing — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I attempted to send an international money transfer using Remitly to take advantage of an advertised XXXX XXXX XXXX. This promotional exchange rate and bonus was guaranteed to save me $ XXXX on the transfer.My funding XXXX XXXX account automatically triggered an internal " XXXX XXXX '' security block on the initial pull request. This resulted in the immediate, automated system cancellation of my first attempt ( Transaction ID : XXXX ). This action was entirely automated by my banking institution 's security software and did not constitute a voluntary cancellation or policy violation on my part.I immediately contacted my bank, verified my identity, and cleared the security flag to authorize Remitly. However, because Remitlys system required a completely new retry transaction, their automated software misclassified my immediate second attempt ( Transaction ID : XXXX ) as a regular " second transaction. '' Remitly subsequently stripped the first-time sender promotion from the transfer, resulting in an unexpected financial difference and overcharge of $ XXXX contacted Remitly customer support to request a manual correction for this technical glitch. The company refused to honor the original promotional contract, stating that the automated bank decline invalidated my first-time sender status. They offered only a {$15.00} future transaction credit, which does not cover the {$100.00} loss. Treating an automated, third-party security decline as a " completed first transaction '' to deprive a consumer of an advertised promotion is an unfair business practice. Desired Resolution : I am seeking a manual corporate adjustment and a direct refund or account credit of {$100.00} to honor the original promotional agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Key 2 Recovery, Inc.
State: MA

Complaint narrative:
I currently owe private student loans to XXXX. They sold of the debt like XXXX years ago to key 2 recovery. I reached out to the collection agency as they were calling my direct work phone number. Requested that they never contact me at my job again. During this call they went over repayment options that were completely unobtainable. the debt is for XXXX and the representative offered me XXXX a month payments. Once i said that is actually impossible she said she could do bi-weekly XXXX payments. At that point she said it cant go any lower and i ended the call. In the last few months i have been receiving constant calls and voicemails from the company. All from toll free numbers with no proper verification and rotating addresses. In every image provided the missed called and voicemails are all from people claiming to be from key 2 recovery. I used the search feature on my phone to search the voicemails as most of the voicemails were all over the place. with the language the representatives used. This debt would have been resolved a year ago had they offered obtainable payment plans. Fast foward to now and im getting repeated auto texts about invoices on plans i never agreed to in any capacity. Additionally there is no longer an opt out button and says payment is past due without any kind of agreement made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Chime Financial Inc
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXnMy debit card credentials were stolen and used to make a unauthorized purchase at XXXX i do not own an account with Anthropic/claude I reported this fraud to chime immediately upon the charges posted and provided and official police report chime violated regulations E by denying my fraud claim without providing conclusive evidence tha I authorize the transaction I am requesting a full reverse of the unauthorized charges and a copy of chime investigation file'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Well I ordered stuff from XXXX maybe like/about 15 to 20 things, those 15 to twenty things they put into two boxes that was delivered to my house but items were missing out of the box now because I made a claim with XXXX about it they restricted my account now I cant even talk to XXXX so I told the bank wells Fargo I said what I told you made a claim they denied my claim cause they said that the iteams were delivered and tracking shows it was delivered I told Wells Fargo yes its gon na say it was delivered cause all the iteams were in those two boxes I continued to say the items were missing out of the box and continue to say that the iteams that were missing was packaged wrong Wells Fargo said yea but it says it was delivered I said of course its gon na say it was delivered cause all items were sent in two boxes its gon na have the tracking number on the boxes not each individual item

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Took a personal loan from discover to pay my citibank account ending in XXXX. Citibank applied the payment to another person 's account. XXXX XXXX. Case id XXXX XXXX XXXX. Both myself and XXXX XXXX have tried to resolve the problem with citibank and discover. My account XXXX XXXX is now delinquent and is being charged interest. The amount of the payment was {$6600.00} the check was dated XX/XX/year> and cashed. Please help sort this out

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 2026-05-21 00:00:00
Product: Credit card — Store credit 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: TX

Complaint narrative:
Credit card was issued under false identity and used at XXXX store

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 2026-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against : Nelnet I am filing this complaint against Nelnet regarding the mishandling of my federal student loan account and the resulting financial and emotional harm it has caused. Nelnet has improperly serviced my student loans by inaccurately reporting information to the credit bureaus and/or failing to properly administer my repayment account. As a result, my credit has been negatively impacted, causing ongoing financial hardship and emotional distress. The issues include : Improper late payment reporting Failure to properly process repayment assistance or deferment options Inaccurate account status reporting Negative credit reporting that does not accurately reflect my account history Failure to provide clear communication and resolution efforts Financial harm caused by servicing errors Due to these actions, I have experienced damage to my credit profile, increased financial strain, stress, anxiety, and difficulty maintaining financial stability. I believe Nelnet failed to uphold its obligations as a federal student loan servicer and failed to ensure accurate reporting and proper account administration. I am requesting the following resolution : 1. Immediate investigation into my account handling 2. Correction and/or removal of inaccurate credit reporting 3. Written explanation regarding all disputed reporting 4. Review of servicing practices related to my account 5. Assistance restoring my account to proper standing if servicing errors occurred I am also requesting that all applicable records and communications regarding my account be reviewed to determine whether federal consumer protection laws and credit reporting laws were violated. I have attached supporting documentation to support my complaint. Thank you for your review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I previously filed a complaint with company. I was shown applications. For a Milestone account I was shown transactions. Company was not able to validate a debt. I do not owe this company and I ask that this debt be removed from my credit report. I do not

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Deposited in person a cashiers check payable to the business account which is the account holder they provided a receipt showing that XXXX would be available next day and XXXX will be available on XX/XX/year> however the next day nothing was available and when we called them they stated the entire amount was on hold and did not have a reason to provide as to why the extra hold was put on, no written notice or verbal. On the phone they said it would be available on XX/XX/year> which is now a day later.

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Marlette Funding, LLC
State: SC

Complaint narrative:
On XX/XX/year>, my longtime employer unexpectedly passed away, causing significant financial hardship and disruption to my income stability. Since that time, I have been assisting with the transition and closure of the law office while continuing to manage work responsibilities. On XX/XX/year>, I contacted XXXX XXXX by telephone to request hardship assistance, including a reduction in monthly payments and/or interest rates due to these unforeseen circumstances. I attempted to work directly with the company to avoid falling behind on my account and to seek a temporary financial solution. XXXX XXXX informed me that I was not eligible for hardship assistance and that there was nothing they could do to help me at this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 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: MN

Complaint narrative:
In late XX/XX/year>, I made several Cash App XXXX purchases for digital goods within an application. The total disputed amount was approximately {$1200.00} across multiple transactions. The issue was that the goods were not delivered as expected, and in some cases, not delivered at all. I filed a dispute with Cash App. At no point did I claim the transactions were unauthorized. My dispute was strictly for goods not received and goods not delivered as described. Cash App denied my dispute using a reason that does not apply to my situation. They stated they can not investigate disputes involving cryptocurrency or NFTs. These transactions did not involve cryptocurrency, NFTs, or any nonfiat digital assets. They were standard Cash App XXXX purchases. Cash App also stated that I could request the documents and evidence they relied on to deny my dispute. I requested this information, but Cash App has not provided any documentation, despite multiple followups. I have not received merchant responses, internal notes, logs, or any evidence supporting their denial. Because the denial reason does not match the transaction type and because Cash App has not provided the required documentation, I believe the dispute was not properly investigated under Regulation E. I am requesting that Cash App be required to provide the documents used in their determination and to reopen and properly review my dispute under the correct category : Goods or Services Not Received/ Not Delivered as Described.

Company response to consumer: Closed with explanation