vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hereby demand the prompt removal of all fraudulent information from my credit file. I am a victim of identity theft and did not provide authorization for the accounts or inquiries listed in the attached documentation. This matter has been reported to the Federal Trade Commission ( FTC ), and I have attached a copy of my official Identity Theft Report as required. Under Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally required to block and delete all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documentation. Any continued reporting of this false information constitutes a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This serves as your final warning remove the fraudulent information immediately or face legal consequences.

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 2026-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Goal Structured Solutions, LLC
State: OR

Complaint narrative:
I withdrew from my XXXX program which triggered all but {$1300.00} of the original loan amount to be cancelled. 

Despite this, my loan servicer ( XXXX XXXX / XXXX XXXX ) is accruing and capitalizing interest as if the full approved amount ( ~ {$13000.00} ) were outstanding. My account currently shows : Unpaid principal at repayment : {$1400.00} Estimated capitalized interest : {$3300.00} At a fixed interest rate of 12.5 %, interest on a ~ {$1400.00} balance from XX/XX/XXXX to XX/XX/XXXX would be a few XXXX dollars, not several XXXX. The interest shown is mathematically impossible unless interest is being calculated on non-disbursed funds. 

Under the Credit Agreement, interest may accrue only on the principal amount actually disbursed and outstanding from time to time. Charging interest on amounts that were approved or certified but never disbursed violates the contract. 

I submitted a written dispute to the servicer before my XX/XX/XXXX payment due date, but the servicer has not acknowledged the dispute and is still demanding payment and planning to capitalize the incorrect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Violations FDCPA 809 ( b ) : No validation provided ( contract, payment history, original creditor ). 


FCRA 623 ( a ) ( 3 ) : Must correct or delete after dispute. 


Metro 2 : Collection missing Compliance Condition Code, DOFD re-aged, and status/balance conflicts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I made a request to Nelnet ( formally ) on XX/XX/year>. I want all the documentation for my loans including signatures and all information regarding the current changes that are legally happening at Nelnet. The request was made via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am submitting this complaint against Navy Federal Credit Union for lack of transparency, failure to provide a meaningful explanation, and improper handling of my fraud claim in violation of the Electronic Fund Transfer Act ( Regulation E ). 

On XX/XX/year>, I reported two unauthorized debit card transactions in the amount of {$650.00} each, totaling {$1300.00}. The transactions were associated with a merchant identified as XXXX, which does not appear to be a legitimate or verifiable business. I did not authorize, participate in, or benefit from these transactions. 

I promptly filed a fraud claim with Navy Federal Credit Union and provided all requested documentation. Despite this, my claim was denied without a clear written explanation of the factual or evidentiary basis for the denial. 

At Navy Federals request, I submitted a written appeal answering all required investigative questions. I explained that : -My debit card remained in my possession at all times -No one else was authorized to use my card -I did not receive any goods or services A similar attempted charge for the same amount was made on my XXXX credit card and was declined, supporting that this was fraudulent activity. Despite full cooperation and multiple follow-ups, Navy Federal has failed to provide : - A written explanation detailing why my fraud claim was denied -The evidence relied upon to conclude the transactions were authorized -Any meaningful transparency regarding the investigation findings Instead, I have received repeated delays, generic responses, and no provisional credit during a prolonged appeal process. To date, I have not been provided the disclosures required under Regulation E regarding the results of the investigation. 

Issue With Navy Federals Conduct I believe Navy Federal Credit Union has : 1. Failed to conduct a reasonable investigation 2. Failed to provide required disclosures under Regulation E 3. Failed to explain how the transactions were determined to be authorized 4. Demonstrated a lack of transparency and accountability in handling my fraud dispute Resolution Requested I respectfully request that the CFPB require Navy Federal Credit Union to : - Provide a detailed written explanation for the denial of my fraud claim - Produce documentation and evidence relied upon during the investigation - Reconsider the fraud claim in compliance with Regulation E - Credit my account for the unauthorized transactions if authorization can not be substantiated I have retained copies of all correspondence, transaction records, and supporting documentation and am prepared to provide them upon request.

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 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: WA

Complaint narrative:
On XX/XX/XXXX, EdFinancial posted " Capitalized Interest '' transactions across XXXX of my XXXX Direct Loans, totaling {$2200.00}, which increased principal and reduced accrued interest by the same amounts ( net {$0.00} ). Loan XXXX shows {$0.00} capitalized on the same date, indicating the capitalization batch was incomplete/inconsistent. My XX/XX/XXXX statement shows an unpaid principal {$40000.00} and an unpaid interest {$2500.00}. My XX/XX/XXXX statement shows an unpaid principal {$42000.00} and an unpaid interest {$490.00}. The principal increase of {$2200.00} matches the XX/XX/XXXX capitalization postings. On XX/XX/XXXX, XXXX issued an XXXX approval letter setting my payment to {$290.00} starting XX/XX/XXXX and stating my XXXX-year Standard amount would be {$460.00}. On XX/XX/XXXX and other calls, XXXX representatives provided inconsistent explanations for the XX/XX/XXXX capitalization ( unpaid interest, plan change, and forbearance ) and could not identify the specific capitalization trigger or provide a loan-by-loan accounting. Improper interest capitalization : Federal Student Aid 's Direct Loan documentation explains that unpaid interest on Direct Subsidized/Unsubsidized Loans is capitalized only ( XXXX ) at the end of a deferment on a Direct Unsubsidized loan if interest is unpaid, or ( XXXX ) under the Income-Based Repayment ( IBR ) plan if ED determines the borrower no longer qualifies to make income-based payments or if the borrower leaves IBR. In all other cases, unpaid interest may accrue but is not capitalized. I was not in a deferment, I did not leave IBR, and I was approved for IBR with an income-based payment amount ; however, my servicer posted a capitalization event on XX/XX/XXXX. I am requesting written identification of the specific capitalization trigger/reason code used, and reversal/correction if the capitalization was posted without a valid trigger. Federal Student Aid guidance also indicates that unpaid interest accrued during a forbearance on ED-held Direct Loans is not capitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I disputed unauthorized charges on my account related to a renters insurance policy by the company of XXXX XXXX that I did not authorize. Despite providing information that the charges were fraudulent, Chase denied my dispute and failed to properly resolve the matter.

I never authorized the merchant to charge my account, and the charges were associated with a third party. Chase failed to conduct a reasonable investigation and did not credit my account for fraudulent transactions. 

This failure caused direct financial harm and left me responsible for unauthorized charges. 

I am requesting a full refund of the amounts charged by the company, correction of my account, and appropriate financial compensation for harm caused due to improper dispute handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
Consumer Name : XXXX XXXX Company Name : Radius Global Solutions Complaint Description I am submitting this complaint regarding an account reported to my credit report by Radius Global Solutions. 

I was never contacted by Radius Global Solutions regarding this alleged debt. I did not receive any written notice, phone call, or communication advising me of the debt or informing me of my rights to dispute and request validation, as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

I became aware of this account only after reviewing my credit report. Because I was never provided the required initial notice or validation, I dispute this debt in its entirety. 

To date, Radius Global Solutions has failed to provide : The name and address of the original creditor Proof that I am legally obligated to pay this debt An itemized breakdown of the amount being reported Documentation demonstrating Radius Global Solutions authority to collect and report this debt Reporting an unvalidated debt to consumer reporting agencies without first providing proper notice constitutes an unfair and deceptive debt collection practice. 

Resolution Requested I respectfully request that Radius Global Solutions be required to : XXXX. Provide full and proper debt validation as required by federal law or XXXX. Remove this account from all consumer reporting agencies if validation can not be provided I am requesting the CFPBs assistance in ensuring compliance with the Fair Debt Collection Practices Act and resolving this matter. 

Thank you for your time and attention.

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 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: NC

Complaint narrative:
The creditor has refused to address identity theft and forgery, declared their decision final, and continues collection through tax refund interception and a third-party collector. This response ignores identity theft protections and requires regulatory review.

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
Cease and Desist Wrongful Debt Collection Contact To Whom It May Concern, I am writing to formally demand that you cease and desist all communication with me immediately regarding the alleged debt you claim I owe. 

I dispute this debt in its entirety. I do not acknowledge any legal obligation to your company, nor have you provided proper validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Furthermore, your continued attempts to contact me are unlawful, as they constitute harassment and improper collection activity under 15 U.S.C. 1692c and 1692d. You are hereby instructed to : 1. Cease all phone calls, emails, text messages, and letters to me immediately. 
2. Provide written confirmation that all communication has stopped. 
3. Remove my contact information from your records. 
4. Report no negative information regarding this alleged debt to any credit reporting agency, or immediately correct any such reporting. 

Be advised that any further contact from your companyother than written confirmation of compliancewill be documented and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential legal action. 

This letter is not an acknowledgment of any debt and does not grant permission to contact me in the future. 

Govern yourself accordingly. 

Sincerely,

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 2026-01-03 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: GA

Complaint narrative:
Cash app closed my account after having them for XXXX  years and Ive heard they did a lot of people like this with a bogus email saying fraudulent or against their rules? No warning our nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Exeter Finance LLC Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing a complaint regarding improper auto loan servicing, failure to initiate a XXXX claim, and improper collection activity by Exeter Finance. 
My vehicle was declared a total loss on XX/XX/XXXX. XXXX my auto insurance company issued payment by check and confirmed it was mailed on XX/XX/XXXX. I have XXXX  coverage administered by XXXX XXXX, which has confirmed that the lender ( Exeter Finance ) is required to initiate the XXXX  claim. 

* * * I was told by XXXX with Exeter Finance that the insurance check being held ( XXXX weeks ) was not considered customer money so fees, interest and etc would continue to be charged to me * * * * * * * * Despite repeated requests by email and phone, Exeter Finance has failed to initiate the XXXX  claim with XXXX XXXX as promised Failed to place my account on a total-loss administrative hold Continued charging monthly payments and late fees and interest after receiving insurance total loss check Possible collection activity on a disputed balance Made the XXXX department inaccessible to me due to always being unavailable or closed at the time of calling. 

I have requested a total-loss hold multiple times, and Exeter Finance has either ignored or failed to respond to these requests. They never called for me to discuss my options or their official protocol to handle issue in timely manner. 

XXXX XXXX has confirmed in writing that they can not process the XXXX  claim without lender initiation, yet Exeter has taken no action. 

As a result, I am being financially harmed through improper fees, collection activity, and risk of negative credit reporting, despite this being a covered total loss with XXXX  protection policy I purchased. 


I pray that Exeter Finance be required to immediately initiate the XXXX  claim with XXXX XXXX, Place my account into total-loss administrative hold, retroactive to XX/XX/XXXX, Reverse all fees and charges assessed after the total-loss date. 
Suspend any collection activity, Cease and correct any negative credit reporting related to this issue and provide written confirmation of all actions taken. 

Exeter Finances failure to act constitutes unfair loan servicing and improper collection practices related to a disputed balance that should be resolved through insurance and XXXX  coverage. 

Documents I am attaching Insurance total-loss declaration Proof of insurance payment ( check mailed XX/XX/XXXX ) XXXX  contract / addendum Email from XXXX Solutions XXXXonfirming lender must initiate XXXX  claim Emails sent to Exeter Finance requesting total-loss hold Account statements showing outstanding fees fees and charges.

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

Complaint narrative:
Cash App has restricted my account for nearly a month and will not allow me to add a card, link bank, or withdraw my balance. Support provides repeated generic responses and has not provided a method to recover my funds. I am requesting immediate release of my remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I am submitting this complaint regarding a debt collection account reported to my credit report by Transworld Systems Inc. 

I was never contacted by Transworld Systems Inc. regarding this alleged debt. I did not receive any written notice, phone call, or other communication advising me of the debt or informing me of my right to dispute and request validation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

I discovered this account only after reviewing my credit report. Because I was never provided the required notice or debt validation, I dispute this debt in its entirety. 

To date, Transworld Systems Inc. has not provided : The name and address of the original creditor Proof that I am legally obligated to pay this debt An itemized breakdown of the amount being reported Documentation showing Transworld Systems Inc.s authority to collect and report this debt Reporting an unvalidated debt to consumer reporting agencies without first providing proper notice constitutes an unfair and deceptive debt collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BUSEY BANK
State: FL

Complaint narrative:
I am a snowbird. My branch bank is in IL. After XX/XX/XXXX Busey Bank froze my debit card and blocked access to my online banking. They claimed our debit cards were being abused by purchasing XXXX gift cards. I explained to the bank rep that we were indeed purchasing XXXX gift cards. The bank rep claimed the purchase was excessive. I explained to her in detail that the purchase was not excessive and we did not require the banks protection. On XX/XX/XXXX I told the bank rep that I was driving to XXXX FL to a XXXX XXXX bank to straighten out the problem. On the trip down, I received a call from the FL branch stating Busey Bank unilaterally closed my account ( I protested ) and I would receive a cashiers check from XXXX  The check indeed did arrive ( value approx. {$400000.00} ). No signature or ID was required to take custody of the check. After repeated inquiries I finally received a final statement. The final statement indicated an earned interest of roughly {$1000.00} previous reported in the XX/XX/XXXX statement for a savings account had not been paid. This is not a trivial amount of money. Speaking to a bank supervisor on XX/XX/XXXX, I was told the interest cycle ended after the account was closed. The bank was not obligated to pay the interest earned even though the bank unilaterally closed the account. I consider this to be outright theft of {$1000.00}. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: IL

Complaint narrative:
I should have already received the bonus for an opening the account and meeting all the requirements. I have contact your customer service and I keep giving the runaround in regards to the bonus so please fix the issue. 
I havent spent any normal amount of extra time to try to fix a simple issue that your customer service employees are incapable of resolving.

Company response to consumer: Closed with explanation