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 — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding the handling of my federal student loan account by Nelnet and the Department of Education. I requested a full review of my account, including proper application of the XXXX XXXX ( XXXX ) account adjustment and an accurate count of qualifying months toward forgiveness. Nelnets response dated XX/XX/XXXX confirms several critical failures : XXXX. Nelnet explicitly states that it does not have access to my full payment count due to current system limitations. Despite this, it asserts that my account has already received the XXXX account adjustment. This conclusion is unsupported, as no month-by-month accounting of qualifying or excluded periods was provided. XXXX. Nelnet directed me to contact prior servicers for pre-consolidation payment history. This is improper. My loan history is maintained within the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and both Nelnet and the Department of Education have access to this data. The burden should not be placed on me to reconstruct federal records that are already centrally maintained. XXXX. No breakdown was provided identifying which months were credited, excluded, or adjusted under the XXXX account adjustment. Without this information, I can not verify whether key periods including pre-consolidation repayment dating back to approximately XXXX were properly included. As a result, I have reason to believe that my account has not been fully or reasonably reviewed, and that my qualifying payment count toward XXXX forgiveness is incomplete. This issue is materially significant. I have been in repayment for approximately XXXX decades, and the failure to properly account for eligible months directly impacts my eligibility for loan forgiveness. I am requesting the following : A complete, month-by-month accounting of all periods credited toward XXXX forgiveness Identification of all excluded months, with specific reasons for exclusion Confirmation that all pre-consolidation repayment periods have been fully reviewed and credited in accordance with Department of Education guidance A complete record of my loan servicing history across all prior servicers If this information can not be provided, I request a detailed explanation of why a complete accounting is unavailable and how the XXXX adjustment determination was made without it. This matter requires a full and accurate account reconstruction. I am requesting that the Department of Education review this issue directly and ensure compliance with applicable XXXX adjustment policies.

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: Block, Inc.
State: TX

Complaint narrative:
My XXXX direct deposit of my XXXX benefits was stolen from my cash app account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
I owed a debt to a company called Waypoint Resource Group LLC - Phone Number ( XXXX ) XXXX Waypoint account number XXXXXXXX XXXX the debt was for {$110.00} dollars total. I paid this debt in full on XX/XX/XXXX and it cleared the bank on XX/XX/XXXX. Waypoint agrees that the debt was paid in full and has stated thet they reported it as paid in full to the credit bureaus. However the report being shown by XXXX says paid but settled for less than full balance. That is inaccurate. i have disputed it XXXX with XXXX and XXXX, XXXX stated that Waypoint verified it as accurate and that it was settled for less than full amount. At the same time it was reported to XXXX as debt still owed, I have disputed this with XXXX XXXX times and all XXXX disputes came back saying that waypoint verified tha the debt is still owed and hasnt been paid. the latest XXXX report is from XX/XX/XXXX, where they stated on XX/XX/XXXX Waypoint verified the report is accurate and the debt is still owed. - I reported this to Waypoint on XX/XX/XXXX and waypoint representative confirmed its paid in full and that it was reported that way. The Waypoint rep advised I would receive a letter via email within XXXX hours stating the debt has been paid in full. That letter was never received. I email Waypoint on XX/XX/XXXX at XXXX and requested a letter staing it was paid in full and that email was ignored. I called Waypoint again on XX/XX/XXXX and was advised that a letter would be emailed hat day statingaccount was paid in full and no letter was emailed again. I Need both XXXX and XXXX to actually verify this debt and report it correctly as paid in full and not still owed and not settled for less than full balnace. I paid every XXXX and need reports to show that.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding a fraudulent account that does not belong to me and has been improperly reported and reinserted on my credit report. This account was previously removed after I disputed it as identity theft. I provided proper documentation, including an identity theft report. However, the account has now been reinserted without proper notice and without compliance with federal law. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA 605B ), credit reporting agencies are required to block information resulting from identity theft within XXXX business days of receiving proper documentation. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if previously deleted information is reinserted, the credit bureau must notify me within XXXX business days. I did not receive proper notification. XXXX has failed to comply with these requirements and is continuing to report inaccurate and fraudulent information, causing harm to my creditworthiness. I do not recognize this account, I did not authorize it, and I am not responsible for it. This is identity theft. I am requesting : Immediate permanent deletion of this account from my credit report Confirmation that the account will not be reinserted A full investigation into how this account was reinserted without proper compliance Failure to comply with the FCRA will leave me no choice but to pursue further legal remedies.

Company response to consumer: Closed with explanation
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: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened a business checking account with Citibank after specifically inquiring about the availability of mobile check deposit, which is an essential feature for my business. Based on the information provided to me prior to account opening, I proceeded with establishing the account under the understanding that mobile deposit would be available. At no point was I informed that the account I was opening would not support mobile check deposit. After opening the account, I attempted to use the feature and received an error message indicating that it was not available for my account type. When I contacted the branch, I was initially told that I should have access. However, when I contacted Citi support, I was informed that my account is not eligible for mobile deposit. I was further advised that the only alternative was to enroll in XXXX XXXX XXXXXXXX ( XXXX ), which requires additional equipment and carries a monthly fee. This is materially different from the mobile deposit functionality I specifically inquired about prior to opening the account. Had I been informed that mobile deposit would not be available without enrolling in a paid service, I would not have opened this account. I made multiple attempts to resolve this issue directly with Citibank, including contacting branch personnel and a business relationship manager. These attempts were unsuccessful, and in some cases I was promised follow-up communication that never occurred. I also submitted a formal complaint to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Their response did not address whether the account features were accurately represented prior to account opening and did not address the employee conduct concerns raised. This complaint concerns failure to disclose material limitations prior to account opening, inconsistent and conflicting information provided by bank personnel, and failure to properly handle and resolve customer concerns.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint against Citibank regarding my account being flagged for suspected fraud, which resulted in my account being locked and my access to funds completely restricted. Despite understanding the importance of fraud prevention, Citibank has failed to provide a reasonable or accessible resolution. I have been instructed that the only way to restore access to my account is to visit a physical Citibank XXXX. However, I reside in XXXX, XXXX, where there are no conveniently accessible Citibank branches within a reasonable distance. I have contacted Citibank XXXX XXXX XXXX XXXX in an attempt to resolve this issue, but I have not received any effective assistance or alternative solutions. Representatives have repeatedly insisted on an in-person visit, without offering any remote verification options such as secure identity verification, notarized documentation, or video verification. As a result, I am currently unable to access my funds or manage my account, which is causing significant financial hardship and inconvenience. I am requesting that Citibank : Provide an immediate alternative method to verify my identity remotely, and Restore full access to my account without requiring an in-person branch visit. XXXX refusal to provide a reasonable resolution, despite my geographic limitations, is unacceptable and places an undue burden on me as a customer. I respectfully request prompt intervention to resolve this matter.

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: GA

Complaint narrative:
I tried to reach out to the debt collector with all the documentation regarding the cancellation of the gym membership many months prior to this being sent to collections. I had no knowledge of it being sent to collections because the account was already canceled. I have emails and proof of policy and my email to the gym regarding my cancellation. I spoke with the current manager at XXXX XXXX, and she informed me that I have to pay because the manager did not do her job and cancel my membership. I absolutely will not be held responsible for employees that dont want to do their job and cancel memberships. That manager XXXX walked me through the cancellation process received my email and apparently never canceled my membership because they secretly sent me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this complaint regarding an improper overdraft fee assessed on my checking account ending in XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ( XX/XX/year> XXXX ) : On XX/XX/year>, my account became overdrawn by approximately - {$57.00}. Under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I had until XXXX XXXX on the next business day ( XX/XX/year> ) to bring my account to a positive balance. On XX/XX/year>, I deposited {$60.00}, which fully covered the negative balance within the grace period. Despite this, Wells Fargo assessed a {$35.00} overdraft fee tied to the XX/XX/XXXX transaction. XXXX XXXX ( XX/XX/year> Balance and Timing of Fee ) : On XX/XX/year>, a separate transaction resulted in a new negative balance of approximately - {$130.00}. Under XXXX XXXX policy, I had until XXXX XXXX on XX/XX/year> to correct this balance. However, the same overdraft fee referenced above was assessed on XX/XX/year> before the expiration of the applicable grace period. Summary of Issue : A single overdraft fee was charged even though the original negative balance was cured within the grace period That same fee was also assessed before the expiration of the applicable grace period for the subsequent negative balance These actions directly contradict XXXX XXXX stated policy and render the grace period misleading. Requested Resolution : Immediate reversal of the {$35.00} overdraft fee Written explanation of how the grace period was applied in this instance Assurance that Wells Fargo will apply its policies consistently going forward This conduct raises concerns under federal consumer protection standards prohibiting unfair or deceptive acts or practices. I request that all responses be provided in writing only.

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 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I formally declare that I had no role in opening or approving the referenced accounts and do not recognize ownership. Kindly investigate completely and delete them upon confirmation. Supporting materials are provided.

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 — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX or XXXX there was over {$1700.00} that was transferred for my bank checking account to Cash app and while I did move some money over I created a spreadsheet to list all the charges day by day and there was a XXXX and I believe {$50.00} discrepancy and I sent that to them. I asked if they needed additional records and I could not get anybody on the phone. I spoke with them several times. I have an XXXX XXXX that I can forward along with the spreadsheet I created. I asked them if they needed bank records they stated no and then they gave me an XXXX number to call after denying the claim to see what documents were utilized and after trying to contact them several times I was just going through the runaround for over XXXX minutes. I asked them if I could record the call to share with my lawyer. They did not like that and they disconnected on me, but nobody can tell me what documents they used to verify it and I have my bank documents. Im willing to send them so I actually have a recording of them hanging up on me. I downloaded the app XX/XX/XXXX and its all just bogus and they will not tell me where they are located or a contact number or even like their full name. They just transfer you really quickly. I spent hours.

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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Recieved a call on XX/XX/XXXX from Midland credit.com asking to speak to XXXX XXXX. The rep wouldn't tell me whom it was or what it was in reference to. She just wanted to know if I was XXXX XXXX I told her she was in a meeting. Then XX/XX/XXXX I received a letter via FedEx about this credit card. My father had his own business and opened lines of credit. When he past away the business dissolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stellantis Financial Services US Corp.
State: WI

Complaint narrative:
I have a {$4000.00} diminished value claim that has already been approved by the insurance company for damage to my leased 2025 Charger. The insurance company is refusing to pay me directly because Stellantis Financial Services ( the leasing company ) claims they are the owner and only they are entitled to the money. I am the one who will suffer the actual financial loss when I trade in or sell the vehicle. The lease agreement should allow the lessee to pursue diminished value claims for damage that occurred during the lease term. I have already sent a formal demand letter to Stellantis, but they are blocking the claim. I am requesting CFPB assistance to compel Stellantis to either release the {$4000.00} to me or apply it as a credit to my lease balance.

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 — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/year> I was scammed saying they were from XXXX XXXX XXXX fraud department. They had me send {$20000.00} to Wellsfargo. It was a domestic wire. The bank could not get the money back.

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: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting a complaint regarding a credit reporting issue with my Wells Fargo Auto loan account ending in XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX, I sent a goodwill adjustment request via certified mail concerning a 30-day late payment being reported on my account. The letter was delivered on XX/XX/XXXX, which I can verify through certified mail tracking. I did not receive any written response from Wells Fargo regarding this request. On XX/XX/XXXX, I received notifications through XXXX XXXX indicating that my account had been updated to current status on both my Equifax and TransUnion credit reports. On XX/XX/XXXX, I received an additional notification indicating that new on-time payments had been added. While I appreciate that the account was brought current and updated with positive payment history, the original 30-day late payment remains on my credit report and continues to negatively impact my payment history and credit score. This late payment was a one-time occurrence, and I have otherwise maintained a strong and consistent payment history. Wells Fargo has already reviewed and updated my account status but has not provided any response or resolution regarding the removal of the late payment. I made a good faith effort to resolve this matter directly with Wells Fargo, but after more than 60 days, I have received no formal response. I am requesting that Wells Fargo complete a full review of my account and remove the 30-day late payment as a goodwill adjustment, or provide a formal written explanation for their decision.

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Greetings, Today, XXXX XX/XX/year>, I received an email from Citibank stating that my credit limit was reduced. Ironically, I just made a payment on yesterday & informed them that a payment was made. This action is retaliatory in nature & completely inconsiderate. I have never been late on my payments with Citibank. I have two accounts with them, one is a personal credit card and the other a government credit card. Several days ago, my Grandmother had a serious fall that required emergency room care. That matter took my attention rendering me unable to contact Citibank to inform them of my intentions of make a payment. My due date is the 24th of each month and I made a payment on yesterday, the 30th. Today on the 31st, I receive an email that my line of credit was decreased. I feel this action was predatory and unwarranted as this now places me at risk for a lowered credit score, change credit utilization ratio, and places me in a risk category that I was never in before. They already know this, which makes it predatory and retaliatory. All because I needed to tend to my loved one who was in need of emergency care. No other bank or financial institution has ever reacted coldly in this way. Are customers not allowed to behave as humans with real lives that include health emergencies that take precedence over a due date for a few days once in our lives while we tend to the care of a loved one? This is not my normal payment pattern. Anyone overseeing my account can attest to that. If this is how Citibank will treat their customers, I do not want to be their customer. This was flat out wrong and completely retaliatory. When I contacted Citibank today to get an explanation, they could not provide one and kept placing me on hold looking for a reason to provide. I need them to make this circumstance right. This complaint is not intended to draw pity or sorrow from anyone but to shine a light on what Citibank deems important to them as a company, an entity. Behind each account is a person, with a story and families that rely on them. Citibank, should make this right.

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