vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Nelnet, Inc.
State: VT

Complaint narrative:
Sometime around late XXXX early XXXX someone else opened a loan to the XXXX XXXX XXXXXXXX under my name without my knowledge. I noticed when they appeared on my credit report in XXXXXXXX XXXX XXXXXXXX. I spent the rest of that year disputing this loan and collecting evidence for identity theft which was later APPROVED by the Department of Education. As it stands the fraudulent loans have been removed from my credit file and I was told I would not be financially responsible due to it being Identity fraud. I contacted Nelnet which was the loan servicer when they tried to collect debt from me in late XXXX, they said in their system I was approved for identity theft but something else in their system said it was denied which was not correct. I was told this would be fixed. It is now XXXXXXXX XXXX XXXXXXXX and the XXXX XXXX XXXXXXXX is now trying to collect a debt from me that is not my debt that I was told I was exalted from. Department of education has all of this evidence including the police report from last year and has approved this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding an improperly handled credit card dispute and resulting financial harm. On XXXX XXXX XXXX, I stayed at a hotel. The reservation was made over the phone using one card, which the hotel has a recorded record of. That card was the authorized method of payment for the room. When I arrived at the hotel, I provided a different card ( Capital One credit card ) at check-in for incidentals only. However, the hotel charged my Capital One credit card {$220.00} for the full stay instead of using the original card on file. This constitutes a billing error and use of an incorrect payment method. I filed a dispute with Capital One and provided this information. The dispute was denied based on documentation from the merchant that only shows the card that was charged, but does not include : the original booking payment method the recorded phone authorization any signed agreement authorizing a change in payment method Because of this incomplete and insufficient documentation, Capital One concluded the transaction was valid without properly verifying whether the correct card was authorized. I requested documentation from Capital One, but what was provided does not support their conclusion and does not address the discrepancy in payment method. Additionally, Capital One reversed provisional credits totaling {$220.00} and a prior {$89.00}, which caused my account to go into a negative balance. I am now being subjected to potential fees as a result of this unresolved dispute. I have since filed an appeal, but the issue remains unresolved. I am requesting : a full reinvestigation of this dispute reversal of the {$220.00} charge restoration of any removed provisional credits removal of any fees caused by this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am disputing an alleged debt related XXXX a vehicle that was repossessed. The vehicle began having serious mechanical issues within approximately XXXX months of purchase XXXX eventually became completely inoperable. As a result, I no longer had use or possession of the vehicle prior XXXX repossession. I received a notice from Radius Global Solutions attempting XXXX collect a remaining balance of over {$10000.00} after the repossession. However, I have not been provided with proper validation of this alleged debt. I requested documentation including the original contract, repossession records, proof of how and when the vehicle was sold, the sale price, XXXX a full breakdown of how the remaining balance was calculated. This information has not been provided. The company is attempting XXXX collect on a balance without verifying the accuracy of the amount or demonstrating that the vehicle was disposed of in a commercially reasonable manner. I do not acknowledge this debt XXXX am requesting that this matter be investigated XXXX that the collection be stopped unless proper validation is 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 non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding my banks restriction of my account and denial of access to my funds. I attempted to resolve this issue directly with the XXXX XXXX branch ; however, I was denied access to my funds and informed that any additional deposits currently in transit to my account will also be restricted. Account Opening & Disclosure : When I opened my account, I worked directly with XXXX bank representatives, XXXX and XXXX. At that time, I clearly disclosed that I prepare taxes and would be receiving multiple payments related to that work. I also communicated that I needed the account opened promptly for that purpose. At no point during the account opening processor afterwardwas I advised that this type of activity would present an issue or violate any account terms. Account XXXX : Since opening the account, I have received approximately XXXX payments. All deposits were made within my accounts daily limits and consistent with standard banking practices. I did not exceed any deposit limits or engage in unusual or prohibited activity. I was also contacted by bank representatives regarding my account. During those conversations, I was not informed of any concerns, violations, or pending restrictions. I was given no warning that my account would be restricted or that access to my funds would be denied. Nature of Deposits : The deposits into my account are legitimate payments for services performed. The individuals sending payments are clients/employers. Payments are processed through the XXXX XXXX XXXX XXXX similar to how payroll processors ( such as XXXX or XXXX ) process payments on behalf of employers. Prior Complaint/ Findings : I previously contacted the FDIC and filed a complaint. After review, I was informed that there was no evidence of fraud or wrongdoing related to the deposits into my account. Impact : Due to the banks actions, I have been denied access to my funds, which has caused severe financial hardship. I am currently without stable housing, food, or transportation and have been forced to sleep in my car. What I want the company to do to fix the problem : Immediately restore access to my account and funds Provide a clear, written explanation for the restriction of my account Confirm how incoming deposits will be handled Review and correct any improper actions taken on my account Additional Information : I made full disclosures at the time of account opening, followed all deposit limits, and was never notified of any issue prior to the restriction. Given that there has been no finding of fraud or wrongdoing, I believe the restriction of my funds is improper and requires immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, IA XXXX RE : FORMAL COMPLAINT FALSE COLLECTION ACCOUNT / CREDIT REPORTING VIOLATION Company : XXXX XXXX XXXX XXXX Original Creditor : XXXX / Xfinity Account Number : XXXX To Whom It May Concern, I am submitting this formal complaint against a third-party collection agency for attempting to collect and report a fraudulent and inaccurate debt allegedly associated with Comcast/Xfinity. The collection agency claims that I owe {$1200.00}, which is completely false. I currently maintain an active account with XXXX in excellent standing, and I have official documentation showing : - I am a Platinum member - I have never been late on payments - My current balance is approximately {$30.00} This directly contradicts the collection agencys claim. Additionally : - The account being reported contains a name that does not match my legal identification- The agency failed to provide proper validation when requested, sending only billing statements, which do not meet legal verification standards under the Fair Debt Collection Practices Act ( FDCPA ) - Despite this, they continue attempting to collect and/or report this inaccurate debt This is a serious violation of : - FDCPA ( XXXX U.S.C. XXXX ) Misrepresentation of debt and failure to validate - FCRA ( XXXX XXXX. XXXX ) XXXX inaccurate and unverified information This situation has caused unnecessary stress and has the potential to harm my credit profile. I am requesting the following immediate actions : XXXX. XXXX deletion of this collection account from all credit reporting agencies XXXX. Written confirmation that this debt has been fully withdrawn and closed XXXX. A full investigation into the collection agencys conduct XXXX. XXXX that no further collection activity will occur I have attached supporting documentation, including : - My current XXXX billing statement showing account status and balance - Proof of identity - Prior correspondence requesting validation This complaint is being formally documented. If this matter is not resolved promptly, I am prepared to pursue additional action through regulatory and legal channels. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

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 2026-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding my inability to access funds in my Synchrony Bank account, which appears to be tied to a PayPal account that has been permanently limited. Recently, PayPal placed a permanent limitation on my account without providing a clear or sufficient explanation. As a result of this action, I have also been locked out of my associated Synchrony Bank savings account. I am currently unable to access my funds, withdraw money, or manage my account in any way. This situation is causing significant financial hardship, as these are my personal funds and I have not been given a reasonable opportunity to resolve the issue or retrieve my balance. I have attempted to contact both PayPal and Synchrony Bank for clarification and assistance, but have not received a satisfactory resolution or clear guidance on how to regain access to my funds. I respectfully request that the CFPB investigate this matter and assist in facilitating access to my funds, or at a minimum, ensure that I receive a clear explanation and a path to resolution from the involved institutions. Below are the relevant details : XXXX PayPal account email : XXXXXXXX XXXX Approximate amount of funds inaccessible : [ {$4200.00} ] XXXX Date account was limited : XXXX XXXX XXXX XXXX XXXX XXXX Attempts to resolve : I've emailed multiple times and called multiple times, but have been stuck in endless loops of automated phone responses with no way to talk to a real person. Thank you for your time and assistance in this matter. I look forward to your response.

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 2026-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX XXXX ] Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX ] Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 1681i.

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 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Attached is the proof that I was living at the XXXX XXXX the time of loss. About 6 weeks ago, American Express opened complaint XXXX and XXXX in reference to purchase protection claim XXXX, but it has not been resolved. On XX/XX/year>, I followed up via phone call and the Agent representative refused to address and/or resolved the issue. The Agent did confirm that American Express had all the documents necessary to resolve the claim but did not want to provide any resolution date nor updates

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: Continental Finance Company, LLC
State: CT

Complaint narrative:
On XX/XX/2026 I filed a fraud claim for XXXX different charges. These charges were all made with in a day of each other, and over XXXX from where I live and work. The total for all XXXX is {$230.00} I never have or ever was in XXXX XXXX on any of those days. I noticed was missing the XXXX card and a XXXX XXXX card. Both of them were used, but in different areas. XXXX XXXX did their investigation and found it was fraud, and closed the case, but for some reason Continental finance did not. Continental finance investigated the charges and said Unfortunately, these charges were authorized, and the merchant completed the service requested, so we are unable to pursue recovery on your behalf. Id like to know why my other credit card company was able to determine it was fraud but not Continental finance. I would like the compensation of XXXX credited back to my account as the resolution. This is the case number from Continental finance XXXX. Continental finance is asking me to provide additional information on something that I obviously cant provide additional information on. Why do they offer a service to protect the consumer if they never stand behind? I want to see what their findings were, IE signatures on Receipts, what their investigation Entailed and the findings other than what a merchant said or says. There is a lot of other consumers that have had the same issue with fraud and charge backs. These charges that are being reversed back to my card are not mine. This is not fair that being held responsible for unauthorized charges, or charge backs to my 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 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
After paying on several student loans since XXXX, last XXXX, I requested loan forgiveness since I work for the XXXX XXXX XXXX XXXX XXXX. When the loan forgiveness came through, MOHELA stated several student loans WERE NOT illegible for PSLF forgiveness since I hadn't consolidated them. Which previously I had consolidated. Some loans were forgiven and I didn't not stop making payments, but the PSLF left several loans from XXXX, {$8600.00}, XXXX {$6000.00} and XXXX {$1700.00}. Totaling {$16000.00}. After being informed these were the oldest loans, I questioned why I wasn't told these loans were past due. The representatives stated these loans were INELIGABLE for the PSLF program. MOHELA suggested I consolidate the loans, which I did and now owe {$32000.00} and must pay on the loans until XXXX. ( XXXX payments ) making the loans in repayment over 28 years and I would be retired by this time and ineligible for PSLF because of retirement. MOHELA stated these loans were never past due. I can not understand how the loans doubled in XXXX years and the interest rate in now 6.75 %. I am aged XXXX years working towards retirement.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year>, I was targeted by a scam/fraudulent transaction via XXXX. The payment was supposed to be charged only once. However, the same amount was charged twice : once from my linked bank account and once from my linked debit card. I have attached screenshots showing the XXXX transaction, the bank account charge, and the debit card charge. I request that the duplicate charge be reversed and that the funds lost due to the scam be recovered. I have not yet contacted XXXX to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 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: Chime Financial Inc
State: NY

Complaint narrative:
I had XXXX transactions taken from my account. {$140.00} & {$9.00} ( I only noticed the {$9.00} ) when I started filling a complaint initially for the {$140.00}. So I disputed both amounts. I did not recognize the company and why would they be taking this money? The rep from Chime also advised me to XXXX the company that stole my money out my account. I did just that! The company name is : XXXX I found their email and contacted them. I told them they took money out my account and I want it back immediately and how I reported them to my bank. Chime bank denied my claim without good cause. In XXXX of their questions they ask where was I and do I have proof? How do I show proof Im in my state at home? Im at home sick and healing. Might of fact the company that stole money, tried to take money from me XX/XX/XXXXand I denied it. Which means chime were suspicious thats why they asked. So how all of a sudden they let the money be stolen? When the money was taken I immediately contacted them and at first they told me it was pending and since I didnt know this transaction, they will stop it! Then the next day, the transaction was approved. This is when I filed the dispute. I want my money from Chime. They let scammers take money and think its ok. No, its not!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL COMPLAINT FALSE COLLECTION ACCOUNT / CREDIT REPORTING VIOLATION Company : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am submitting this formal complaint against a third-party collection agency for attempting to collect and report a fraudulent and inaccurate debt allegedly associated with XXXX The collection agency claims that I owe {$1200.00}, which is completely false. I currently maintain an active account with XXXX in excellent standing, and I have official documentation showing : - I am a XXXX member - I have never been late on payments - My current balance is approximately {$30.00} This directly contradicts the collection agencys claim. Additionally : - The account being reported contains a name that does not match my legal identification- The agency failed to provide proper validation when requested, sending only billing statements, which do not meet legal verification standards under the Fair Debt Collection Practices Act ( FDCPA ) - Despite this, they continue attempting to collect and/or report this inaccurate debt This is a serious violation of : - FDCPA ( 15 U.S.C. 1692 ) Misrepresentation of debt and failure to validate - FCRA ( 15 U.S.C. 1681 ) Reporting inaccurate and unverified information This situation has caused unnecessary stress and has the potential to harm my credit profile. I am requesting the following immediate actions : 1. Immediate deletion of this collection account from all credit reporting agencies 2. Written confirmation that this debt ha s been fully withdrawn and closed 3. A full investigation into the collection agencys conduct 4. Assurance that no further collection activity will occur I have attached supporting documentation, including : - My current XXXX billing statement showing account status and balance - Proof of identity - Prior correspondence requesting validation This complaint is being formally documented. If this matter is not resolved promptly, I am prepared to pursue additional action through regulatory and legal channels. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

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