vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I disputed a credit card charge in the amount of {$540.00}. 
I received written confirmation from M & T Bank that the disputed amount was removed from my balance while the investigation was pending. 
However, my online account balance has not been updated, and I can not locate the dispute confirmation letter in online banking. 
I contacted customer service multiple times requesting the letter to be resent and confirmation of when the balance adjustment would post, but I did not receive a clear resolution. 
I am requesting written confirmation of the dispute credit and correction of my account 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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-02-05 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: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
on XX/XX/XXXX while in the hospital following an auto accident i kept getting messages on my cell phone but couldn't get to them while in the XXXX  the next day once back home from hospital i read my messages i had gotten several alerts from various credit card companies asking if i had used my cards in California to make any purchase i replied no and i also called in to the companies on the next business day XX/XX/XXXX and Disputed the charges on my cards i was also advised to check all my other credit cards at that point i noticed that several cards had been used on XX/XX/XXXX while i was in the hospital i did not received any alerts from Avant credit at all but i called them and told them about the fraud alerts that i had received from other credit card and that my Avant card had some Fraud charges on it as well so they took the report. I later got a letter stating that more information was needed so i called them on XX/XX/XXXX and gave fraud investigators the information that they asked for and explained to them my cards was left at home in my nightstand i have about XXXX credit cards and i can't carry them all i told them that my girlfriend lives with me and she had friends/family over for the holidays the day of the XXXX while i was in the hospital but i don't believe anyone of them would of stolen those cards. I told them that i can send them proof from the hospital showing that i was in fact in the hospital on the XXXX of XXXX all day until around midnight but they refused the hospital admission paperwork. a few days later i got a letter in the mail to call Avant credit and they said that i authorized those charges because if my girlfriends family or friends stole the cards out of my house then that's my fault and im responsible even though i was in the hospital. That is the most XXXX thing that i have ever herd of. all the other credit cards that was used fraudulently that day refunded the funds back to the cards with no problem after the investigation was over and none of them required my hospital admission paperwork or statements form my neighbors that visited me while at the XXXX  almost all that night. I ask them to get the video of whomever used the cards and they will see that it couldn't of been me because not only was i in the hospital but I'm in a wheelchair. This company did not do any investigation they was just looking for a out and came up with that ridiculous excuse because my girlfriend had company over to our house so it's my f since XX/XX/XXXX wich i can also provide them with proof of that fact as well but they said No.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: IL

Complaint narrative:
On XX/XX/year>, I was the victim of a scam outside of a XXXX in XXXX. I have attached the police report I filed detailing what occurred, but in summary I was charged {$15000.00} in XXXX transactions I did not approve. XXXX {$5000.00} transaction was on my XXXX card, and XXXX {$5000.00} transactions were on my Bank of America card. 

I have tried repeatedly to get Bank of America to remove these charges from my account but they have refused. I have filed both as a fraud claim and as a billing dispute, and both have been rejected by Bank of America XXXX XXXX. 

I am confident this was fraud, and that Bank of America should remove the charge because : I did not authorize this transaction the other party intentionally separated me from my phone, and were in possession of it when the fraud alert text came through. 

The merchant intentionally deceived me : they told me they were raising money in their brother 's memory. They gave me a donation form which had the logo for the XXXX XXXX XXXX  XXXXXXXX XXXX XXXX, and I agreed to donate {$5.00}. They also told me they would send me a receipt, but I never received XXXX. 

The merchant tried to cover their tracks : they deleted the Bank of America and XXXX apps from my phone while they were in possession of it, and never sent me a receipt. 

As soon as I identified the fraud, I reported it : I called XXXX and Bank of America to report fraud and cancelled both cards ; and I filed a police report. 

Both the police and XXXX have identified this as an invalid transaction the police accepted my report, and I was recently contacted by an XXXX with the XXXX police department who believes the same parties have committed other frauds, and the police are close to making arrests. He asked for my help in identifying and prosecuting the suspects. XXXX identified that because they had not shared any cancellation policy with me before processing the transaction, it was not valid. 

Finally, the XXXX  {$5000.00} transaction exceeded my credit limit, so should never have been approved.

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 2026-02-05 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: TX

Complaint narrative:
I am disputing inaccurate credit reporting by Nelnet. On XX/XX/XXXX, I was given misleading written instructions via email stating I only qualified for an Economic Hardship Deferment if I provided public assistance documentation. The representative omitted that working XXXX hours also qualifies. 

Because of this bad information, I did not submit my XXXX pay stubs at that time. Nelnet has since retroactively approved my deferment back to XX/XX/XXXX, admitting I was eligible. However, they are refusing to remove XXXX late marks for that period. Reporting an account as 'late ' for a period Nelnet has officially classified as 'deferred ' is factually incorrect and a violation of the FCRA. I am requesting these marks be updated to 'Current/Paid as Agreed. 

I have attached my pay stubs for XX/XX/XXXX. Specifically, the stub dated XX/XX/XXXX shows XXXX hours worked, as it includes XXXX weeks of pay from my transition into a new full-time role, with XXXX XXXX XXXX XXXX XXXX XXXX This further proves I was working more than XXXX hours per week during the entire period I was told I did not qualify. 

If Nelnet claims they attempted contact, I never received any such notification via XXXX Mail or my personal email address. Placing a denial notice solely in an online portal inbox without an external alert is not a sufficient form of communication for such critical financial information. This lack of transparency prevented me from resolving the issue before it impacted my credit. 

Nelnet 's own letter dated XX/XX/XXXX, confirms my account was retroactively placed in deferment starting XX/XX/XXXX. This letter is a formal admission that I met all eligibility criteria and that no payments were due for that period. Therefore, the XXXX late marks currently on my credit report for those exact months are factually incorrect and must be removed to comply with FCRA accuracy standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a fraudulent text claiming my Capital One payment was due and I briefly called the number. It appeared to be a scam attempting to obtain my XXXX checking details. I hung up before any information was given, and XXXX later confirmed they had no record of anyone from Capital One calling them. 



Capital One nevertheless processed a payment from a fraudulent checking account that was not mine. I then made my own legitimate payment to cover the amount. After this, Capital One restricted all of my accounts and told me I must prove the fraudulent account was not mine, which is impossible because it does not exist. 



Despite repeated calls over months, Capital One has never provided documentation, written findings, or follow-up from their fraud department. They restricted/closed multiple Capital One cards and their takeover of my Kohls card resulted in that card being restricted as well, which I believe is harming my credit. I am requesting correction of records, removal of all fraud flags tied to this non-existent account, and written confirmation that my identity is clear. 



Sent from the all new XXXX app for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX the name of the company is Jefferson capital LLC the amount is {$2600.00}. The actions that have been taken have been filing disputes regards to this account contacting XXXX cell phone wireless directly. had many communications with XXXX XXXX. They have no record of me even having this account and suggest that I contact Jeffersons capital directly which I did so the next step will be to file a police report. If the issue doesnt get resolved I want this completely off of my account showing as derogatory. I requested proof in the mail of signature and have yet to get it in over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Sparrow Financial, Inc.
State: PA

Complaint narrative:
I been was this company for close to a year and just noticed all the late fees, due to my payment due date is the XXXX of every month, my pay date is the 1st of every month, my credit limit is XXXX, they refuse to change my due date, on XXXX XXXXXXXX XXXX i made a XXXX payment, and informed them to close the acct. so XX/XX/year> they call me and ask me to pay XXXX i refused my balance without the late fees is XXXX which i plan on paying off before the XXXX XXXX, i have other credit cards without these issues

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The debt collectors never sent me the notification of the debt cancellation notice with in the correct time frame according to the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 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: NM

Complaint narrative:
Financial institution : Wells Fargo Account type : Everyday Checking Issue : Overdraft fees/ hardship accommodation denial Complaint narrative : In early XX/XX/XXXX, Wells Fargo assessed four overdraft fees to my checking account, totaling {$140.00} ( {$35.00} each ), during a period of documented financial hardship caused by a medical injury and reduced income while on workers compensation. 

Relevant transaction activity : XX/XX/XXXX : IRS U.S. tax payment {$100.00} XX/XX/XXXX : XXXX XXXX recurring payment {$16.00} XX/XX/XXXX : XXXX XXXX XXXX recurring payment {$100.00} XX/XX/XXXX : XXXX XXXX XXXX recurring payment {$44.00} These transactions were pre-authorized, recurring charges that posted close together, resulting in the account balance becoming negative. 
Overdraft fees assessed : XX/XX/XXXX : Overdraft fee {$35.00} XX/XX/XXXX : Overdraft fee {$35.00} XX/XX/XXXX : Overdraft fee {$35.00} XX/XX/XXXX : Overdraft fee {$35.00} These fees were charged consecutively and compounded the negative balance from a short-term cash shortfall. 

Actions taken by me : Contacted Wells Fargo customer service after the overdraft fees posted.

Explained that I am currently on workers compensation due to a medical injury and experiencing a temporary reduction in income.

Requested a one-time hardship accommodation and reversal of the overdraft fees.

Agreed to remove overdraft protection from the account to prevent future overdrafts.

Actions taken by the company : Wells Fargo assisted in removing overdraft protection from the account.

Wells Fargo denied the request to reverse the overdraft fees. 
The denial cited prior overdraft fee refunds provided in XX/XX/XXXX, rather than evaluating the current medical hardship. 
I am not disputing the validity of the underlying transactions. I am requesting reasonable relief from overdraft fees assessed during a temporary medical hardship, particularly where multiple fees were charged for the same short-term negative 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 2026-02-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: GA

Complaint narrative:
I had my cash app acct since XXXX never had I used my account inappropriately. the day I got an email from Depot that my item had sold I was a victim of a scam. the email requested I send private financial data to verify my account and identity to receive payment. after I had filled out their form I felt like it was wrong and contacted cash app provided them screenshots and explained what had happened the representative told me I was a victim of a phishing scam. she said she would cancel my current card and to look over my account for any unauthorized transactions. I did as she said but when I tried to start the dispute process was told my account had been terminated and no further action would be taken. since I've made numerous attempts to contact cash app with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: MN

Complaint narrative:
During my separation from my now XXXX, he had took it upon himself to open multiple accounts, using my information and saying he had power of attorney over me, even though he did not I was not aware of this loan account being opened and I did not benefit from this account whatsoever, I did file a police report But because it was a civil matter, I had to wait until my divorce judgment the judge did put in the official decree that the debt is owed by my ex-husband and not by me. Ive tried to get this taken off myself, but with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CreditNinja Lending, LLC
State: MO

Complaint narrative:
Company : CreditNinja Issue : Unauthorized ACH withdrawal after revocation Amount : {$400.00} Date of withdrawal : XX/XX/year> Complaint : On XX/XX/year>, I revoked XXXX authorization in writing for CreditNinja to debit my bank account ending in * * * * XXXX. This revocation applied to all future, pending, one-time, and recurring XXXX debits. 

Despite this written revocation, CreditNinja processed an ACH withdrawal of {$400.00} from my account on XX/XX/year>. 

After I disputed the withdrawal, CreditNinja acknowledged that XXXX payments are now turned off but refused to refund the debit, stating that it was a contracted payment. They further attempted to require phone contact instead of addressing the issue in writing. 

A contractual obligation to repay a debt does not authorize electronic fund transfers after XXXX authorization has been revoked. Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005 ), any ACH debit processed after revocation is unauthorized. 

This withdrawal has been reported to my financial institution as an unauthorized XXXX debit, and I am requesting regulatory review of CreditNinjas refusal to refund the unauthorized transaction and their reliance on internal policy and contract language over federal law.

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 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I was a victim of XXXX XXXX and my identity was stolen and a phone service was purchased in my name through XXXX different companies I have contact other companies and they have taken it off my credit due to it being fraud and I did not purchase any of these phone service was purchased online and can not prove to you that I myself purchased any phone lines thank you I would like for this to be removed off my credit immediately

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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