vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I am writing to escalate a serious issue regarding my federal student loans that were approved for discharge under the XXXX XXXX XXXX ( formerly XXXX v. XXXX ) settlement. My XXXX XXXX application was approved, and I received official notice from the U.S. Department of Education confirming that : My loans are to be fully discharged Refunds are to be issued where applicable All associated credit tradelines must be deleted As of today, these actions have not been completed. My loans are still being reported on my credit file, and the discharge process appears stalled. This failure to act is unacceptable and may constitute : Non-compliance with a federal court-approved settlement Inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
We sold an RV we financed through Huntington National Bank. The buyers Credit union XXXX XXXX a certified check that arrived to Huntington Bank on XX/XX/XXXX before XXXX XXXX. I have provided Huntington with all the information including XXXX XXXX Tracking number, Check Number, XXXX XXXX delivery address. Over the past 2 weeks I have received no information from Huntington. I have called over 10 times resulting in at least an hour on the phone each time. They have supposedly launched several internal investigations but I have never heard anything back in the timeline that they provided. This is doing harm to us as we missed an opportunity to buy a replacement RV because they have not paid this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This correspondence constitutes a formal direct dispute pursuant to FCRA 623 ( a ) ( 8 ). I dispute the accuracy, completeness, and/or verifiability of the above-referenced alleged account. Reporting concerns include : High Credit field inconsistently reported across bureaus ; charge-off data discrepancies. Under FCRA 623 ( b ), upon notice of dispute, you are required to conduct a reasonable and meaningful investigation, review all relevant information, and report accurate results to all consumer reporting agencies. Please provide the following documentation : Copy of the original signed agreement or contract Complete payment history ledger from origination Date of First Delinquency ( DOFD ) Charge-off accounting ( if applicable ) Documentation supporting each XXXX XXXX field reported Description of investigation procedure and documentation reviewed Verification requires actual documentation, not internal database confirmation. If you can not substantiate the accuracy of each reported data element, you must correct or delete the tradeline from all consumer reporting agencies. Please respond within the statutory period required under the Fair Credit Reporting Act. Failure to comply may result in escalation to the Consumer Financial Protection Bureau or pursuit of remedies under FCRA 616 and 617. This correspondence is not an admission of liability for any alleged account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: CCF Intermediate Holdings LLC
State: OH

Complaint narrative:
I was issued my tax refund from. XXXX XXXX XXXX. I went to cash it at checksmart in order to pay rent because my bank was unable to cash it that day. I was surprised when I was given the money and told it was XXXX to cash it being 10 % of my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, and I am writing to address an issue concerning incorrect information reported by Freedom Mortgage on my credit reports. This account, with the account number XXXX, is currently marked as derogatory across all three major credit bureausXXXX, XXXX, and XXXX. It is crucial to note that this account information is incorrect and is negatively impacting my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. I have made multiple attempts to rectify this issue. I filed disputes with the credit bureaus on XX/XX/2026, XX/XX/2026, and XX/XX/2026, all categorized under 'Incorrect Details ' using the autoblast method. Despite my repeated efforts, the erroneous account information remains uncorrected. The continued presence of this incorrect information on my credit reports is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that information reported must be accurate and complete. Due to this error, I am suffering from a substantial and unjustified decrease in my credit scores, which adversely affects my ability to obtain credit on fair terms, potentially leading to higher interest rates or denial of credit applications. I am requesting the complete removal of this inaccurate account information from all three credit bureausXXXX, XXXX, and XXXX. This wrongful listing has been a source of significant distress and inconvenience, and I believe it is in the best interest of all parties involved to resolve this matter swiftly and fairly. Thank you for your attention to this urgent matter. I look forward to a prompt resolution.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PR

Complaint narrative:
I recently bought a XXXX XXXX to keep my assets safe, since Coinbase only insures up to XXXX. I started transferring XXXX because that was what they allowed me. All of a sudden, I get an email saying I can only transfer XXXX a day. I made an appointment with the XXXX service ( I pay for XXXX ) and complained, so they switched back to XXXX daily, only to change it the next day to XXXX a week. I find this to be unfair and unconstitutional. I need to have access to ALL my funds at all times. I'm XXXX and retired. What if I need this for a medical procedure? I have most of my savings in crypto and in Coinbase therefor I need to have access to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
CNAC, who is the finance company that my car loan is through, repossessed my car yesterday. During the repossession I told the agent to leave and he continued to load the car on his truck. During this process, he proceeded to tell me that i was being taken for a missed payment. I proceeded to call the finance company to take care of the payment while he was on location, and they were closed. He then acted like he called someone else, which his phone was blank so no call was made, and then he told me that they was taking the car because I was self employed and that there was no record that I had income coming in. The entire situation is full of red flags. After the repossession, I received a certified letter via USPS which was a 48 hour notice to pay the amount owed before further action was taken on the account. I was not afforded the proper oppurtunity to cure the debt before the repossession happened and was not afforded the correct amount of time that they allotted me per the 48 hour notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: ND

Complaint narrative:
On XX/XX/2026, I contacted the creditor and requested account statements for a closed account. I was told the statements would be emailed to me within XXXX hours. I did not receive the statements or any follow-up communication. This information is necessary for my personal financial records and to verify the accuracy of any prior reporting related to this account. On XX/XX/2026, I called again and was informed that my request had been denied because a XXXX had previously been issued. I again requested account statements and transaction history for the closed account. During this call, the creditor confirmed that account records exist but refused to provide any documentation. They stated that because a XXXX was issued, they are not allowed to send any documents other than the XXXX, citing guidelines from the Internal Revenue Service. They also stated that providing statements would be like collecting a debt, and therefore they would not provide them. When I requested that this refusal and reasoning be provided in writing, the creditor declined and stated that the XXXX is the only document they will ever send for this account. The explanations provided by the company were inconsistent. At times, the creditor indicated that records exist but would not be provided, and at other times suggested that no records remain beyond the XXXX. I am requesting that the company clearly identify what records exist for this account and provide any available account history, summaries, or documentation. If they are refusing to provide such records, I request a clear written explanation of the basis for that refusal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: KY

Complaint narrative:
I went to the US bank branch at XXXX XXXX XXXX. in XXXX KY located in the hospital. I spoke with a XXXX who informed me of promotions for opening a checking account and a business account. I was informed that I would eligible for both a {$450.00} new checking account promotion and a {$900.00} business account promotion. The banker enter in the promo codes for both of these promotions when opening the accounts and said I would eligible for both of these as a new customer promotion. Later the banker XXXX stated that I was never eligible for both. She called us multiple times in first months of opening these accounts and informed me and my wife that we were on track for both of these promotions. As time came as these we met the requirements for these promotions the banker stated we were never eligible for the new checking account and was never enter into the promotion for starting the new checking account. The business account promotion of {$900.00} was also denied of me due to a stipulation that was not disclosed to me. They stated that since I transferred money into my new checking account first, I was not eligible for the business promotion as my money was not considered " new '' money since it was internal transfer. I asked the bankers of US bank branch on XXXX XXXX XXXX. in XXXX KY multiple times if I was meeting these requirements and they stated yes. This stipulation was disclosed to me when doing this promotion. I felt lied to and very misled. I felt they wanted to say anything to me to get me to open up a bank account at their branch and left at crucial information. I asked and reviewed multiple times with them this process of these promotions was informed I was on track.

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
i transfer money through XXXX to western union direct to my XXXX account. I always do that but this time it takes too much time and still not receive it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint because Truist failed to maintain and apply adequate security controls on my business account, which allowed unauthorized access and caused a substantial financial loss. On XX/XX/year>, an unauthorized person gained access to my account and was able to change the phone number used for two factor authentication to a number that was not mine. After that security change, two unauthorized ACH transfers totaling {$19000.00} were processed from my account. There were also two deposits posted to the account that I did not recognize or authorize. I discovered the fraud on the same day and notified Truist within hours. Truist has opened a fraud investigation, which is currently ongoing. However, I have been informed that if the funds can not be recovered, reimbursement may not be provided. My concern is that a critical security credential tied to account access was changed by an unauthorized party, and unauthorized ACH activity was allowed afterward, despite being inconsistent with my account activity and authorization. I am requesting a full investigation, a written explanation of how the two factor authentication phone number was changed, what verification procedures were used, why the ACH transfers were permitted after the account takeover, and reimbursement for all unauthorized losses if confirmed fraudulent.

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 2026-03-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: MD

Complaint narrative:
I am writing to formally report unauthorized hard credit inquiries and unauthorized Collection on my consumer credit report initiated by XXXX, XXXX XXXX, and Monetery Collection XXXX. These inquiries appeared on my XXXX report on XX/XX/year> and XX/XX/year>. I did not authorize these companies to access my credit file. I have not initiated a credit transaction, applied for financing, or provided written or verbal consent to these entities for the purpose of a credit pull. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a " permissible purpose '' is required for any person or entity to obtain a consumer report. These unauthorized inquiries and Collection constitute " non-permissible pulls, '' which are a direct violation of the FCRA. Such actions have negatively impacted my credit score without my consent. XXXX XXXX I am requesting that the FTC investigate these business practices. I have also contacted the credit bureaus to dispute these inquiries and have demanded that XXXX, XXXX XXXX, and XXXX XXXX XXXX provide proof of authorization or immediately notify the bureaus to remove these entries. Details of Unauthorized Inquiries : Company 1 : XXXX | Date : XX/XX/year> Company 2 : XXXX XXXX | Date : XX/XX/year> Company 3 : Monetery Collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of a data breach where my personal information was exposed and misused without my consent. This violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). I request that all fraudulent accounts, inquiries, and negative information caused by this breach be removed from my credit file. I also request that protective measures be taken to ensure my personal information is secured and not subject to further misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
Issue : PayPal is withholding my funds after permanently limiting my account without proper justification. Complaint : PayPal permanently limited my account and is currently holding my funds without providing a clear or valid explanation. During my attempt to resolve the issue, I was asked questions unrelated to the transactions, including personal family details that were not necessary for account verification. I fully cooperated and explained that the transactions in question were legitimate personal transfers to a family member. Despite this, my account was restricted and my funds remain inaccessible. This has caused financial hardship, as I rely on access to my money for essential expenses. PayPal has failed to provide transparency, a fair review process, or timely resolution. I am requesting : Immediate release of my funds A full explanation for the account limitation Compensation for the financial disruption caused I believe this situation reflects unfair and potentially unlawful withholding of consumer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Complaint Against PNC Bank Failure to Provide Account Statements I am submitting this complaint to the Consumer Financial Protection Bureau regarding PNC Bank for failure to provide complete account statements for my closed business account ( XXXX XXXX XXXX XXXX XXXX XXXX ). I requested statements covering XX/XX/XXXX through XX/XX/XXXX ( date of account closure ). PNC requires written requests by mail for closed accounts, and I have submitted five separate requests in full compliance with their process. To date, I have received only one incomplete response, containing statements from XX/XX/XXXX through XX/XX/XXXX. The majority of the requested records were missing, and no explanation was provided. I was contacted by PNC Executive Client Relations ( XXXX XXXX ), but despite clearly stating that I need the XXXX explanationsI have received no further statements, no confirmation, and no tracking information. This failure is now preventing me from filing taxes, creating financial risk and significant inconvenience. I have spent an unreasonable amount of time attempting to obtain basic financial records that should be readily accessible. Desired Resolution : Immediate delivery of all statements from XX/XX/XXXX through XX/XX/XXXX, sent via expedited means, with confirmation and tracking information provided. PNC Banks failure to fulfill repeated requests for standard account documentation is unacceptable and requires immediate resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: Paypal Holdings, Inc
State: IN

Complaint narrative:
On the night of XX/XX/year> XXXX froze my personal XXXX account. XXXX that created issues with my business as I have a business account with XXXX as well that payments came into but then where drawn off of via the personal XXXX account. Since my personal account had a substantial amount of money in it that was going to be used to purchase things needed to complete a project I was hired for I was unable to do so. This issue caused me to not be able to complete the project and hence defaulted on said project. The client then asked XXXX to reimburse them the money they had paid which they did subsequently overdrawing the business XXXX account which they then froze as well. Now XXXX is asking me to pay them back for the money they returned to the client while still holding my money in the personal XXXX they could easily use to satisfy this situation. At this point I just want to resolve the issue and get back any remaining money from my account. They are unwilling to let me close the account so we are in a vicious circle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, an unauthorized transaction of {$2400.00} occurred on my Current account. I did not authorize, approve, or benefit from this transaction. The funds were sent to an unknown recipient reference ID associated with the transaction. I immediately reported this as fraud and filed a dispute with the financial institution. I provided supporting documentation, including a police report, and requested a full investigation. I asked for proof of authorization, transaction logs, and documentation showing how the decision was made. The company denied my dispute appeal and refused to reopen the case, stating there was insufficient information. However, I was not provided with any evidence that a reasonable or good-faith investigation was conducted, nor were any investigation findings, transaction records, or supporting documentation shared with me. I believe this case was not properly investigated in accordance with Regulation E / Electronic Fund Transfer Act requirements. I am requesting a full reinvestigation and reimbursement of the {$2400.00} unauthorized transaction.

Company response to consumer: Closed with explanation