vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Company You Are Complaining About : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Phone : XXXX Debt Owner Listed in Letter : LVNV Funding LLCXXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Date of Incident : XX/XX/year> Summary of Complaint On XX/XX/year>, I received a collection letter from XXXX XXXX XXXX XXXX attempting to collect an alleged XXXX XXXX XXXX account now claimed by LVNV Funding LLC. The letter threatened to file a lawsuit within 35 daysif I did not respond. I contacted the XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ), which confirmed that : XXXX XXXX XXXX XXXX does NOT have a North Carolina Collection Agency Permit and is NOT authorized to collect debts from North Carolina consumers. Despite being unlicensed, XXXX : Sent a collection letter Threatened litigation Claimed authority to sue Provided insufficient validation Ignored prior identity theft disputes Provided a broken chain of title Misrepresented their legal authority This conduct violates both North Carolina law and the FDCPA. Details of Violations 1. Unlicensed Collection Activity ( NC Law ) XXXX is not licensed to collect debts in North Carolina, violating : N.C. Gen. Stat. 58-70-1 N.C. Gen. Stat . 58-70-15 Their letter also failed to include a permit number, violating : N.C. Gen. Stat. 58-70-50 ( a ) 2. Illegal Threat of Litigation Mandarichs letter states : If we are unable to resolve this matter within thirty-five ( 35 ) days our client has authorized us to file a lawsuit Because they are not licensed, they can not legally sue in North Carolina . This violates : FDCPA 1692e ( 5 ) Threatening action they can not legally take FDCPA 1692e ( 10 ) Deceptive practices N.C. Gen. Stat. 58-70-95 3. Insufficient Validation of the Alleged Debt XXXX provided a series of Bills of Sale that : Do not identify me Do not identify my account Do not include the referenced data file Do not include business records Do not include the contract or statements This violates : FDCN.C. Gen. Stat. 58-70-115 4. Mishandling of Identity Theft Dispute This account was previously disputed as identity theft, yet XXXX continued collection without investigation. This violates : FDCPA 1692e ( 8 ) N.C. Gen. Stat. 58-70-115 ( 4 ) What I Want the CFPB to Do I request that the CFPB : Investigate XXXX XXXX XXXX XXXX Require them to stop all collection activity Require them to stop threatening litigation Require them to provide proper validation Require them to cease reporting to credit bureaus Take enforcement action for FDCPA violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Mandarich Law Group, LLP
State: NC

Complaint narrative:
Company You Are Complaining About : Mandarich Law Group LLPXXXX XXXXXXXX XXXX XXXX, IL XXXX Phone : XXXX Debt Owner Listed in Letter : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX Date of Incident : XX/XX/year> Summary of Complaint On XX/XX/year>, I received a collection letter from Mandarich Law Group LLP attempting to collect an alleged XXXX XXXX XXXX account now claimed by XXXX XXXX XXXX. The letter threatened to file a lawsuit within 35 daysif I did not respond. I contacted the XXXX XXXX XXXX XXXX XXXX ( XXXX ), which confirmed that : Mandarich Law Group LLP does NOT have a North Carolina Collection Agency Permit and is NOT authorized to collect debts from North Carolina consumers. Despite being unlicensed, Mandarich : Sent a collection letter Threatened litigation Claimed authority to sue Provided insufficient validation Ignored prior identity theft disputes Provided a broken chain of title Misrepresented their legal authority This conduct violates both North Carolina law and the FDCPA. Details of Violations 1. Unlicensed Collection Activity ( NC Law ) Mandarich is not licensed to collect debts in North Carolina, violating : N.C. Gen. Stat. 58-70-1 N.C. Gen. Stat . 58-70-15 Their letter also failed to include a permit number, violating : N.C. Gen. Stat. 58-70-50 ( a ) 2. Illegal Threat of Litigation Mandarichs letter states : If we are unable to resolve this matter within thirty-five ( 35 ) days our client has authorized us to file a lawsuit Because they are not licensed, they can not legally sue in North Carolina . This violates : FDCPA 1692e ( 5 ) Threatening action they can not legally take FDCPA 1692e ( 10 ) Deceptive practices N.C. Gen. Stat. 58-70-95 3. Insufficient Validation of the Alleged Debt Mandarich provided a series of Bills of Sale that : Do not identify me Do not identify my account Do not include the referenced data file Do not include business records Do not include the contract or statements This violates : FDCN.C. Gen. Stat. 58-70-115 4. Mishandling of Identity Theft Dispute This account was previously disputed as identity theft, yet Mandarich continued collection without investigation. This violates : FDCPA 1692e ( 8 ) N.C. Gen. Stat. 58-70-115 ( 4 ) What I Want the CFPB to Do I request that the CFPB : Investigate Mandarich Law Group LLP Require them to stop all collection activity Require them to stop threatening litigation Require them to provide proper validation Require them to cease reporting to credit bureaus Take enforcement action for FDCPA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: AZ

Complaint narrative:
After numerous attempts speaking to NELNET and XXXX, I submitted feedback case # XXXX online on XX/XX/year>. After submission, I was assured contact/resolution within 15 days. No follow-up up was provided so I contacted NELNET by phone and XXXX/Nelnet Account Management assured me their OMBUDSMAN would contact me by XX/XX/year>. Again, no efforts. I contacted NELNET again on XX/XX/year> and advised by representative that my account information was " under review '' and assured a callback within 3 days by a Account Supervisor. ONCE AGAIN, NO EFFORTS TO CONTACT ME AND ACCOUNT INFORMATION NOT UPDATED/CORRECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
In XXXX, XXXX XXXX experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information. I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus.

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 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I paid to have my home renovated. paid before the job was 100 % complete because. contractor agreed to come back to finish the job but never did. i had two active claims for this one contractor. one claim was approved and one was denied which does not make since because both claims were tied to one another. amount was {$2100.00} transaction was made on XX/XX/XXXX. submitted all evidence showing that the job was not complete and how the contractor agreed to come back but never did. sent my call log and text message thread between the contractor and i showing that he was ignoring me. wells fargo claims that visa sided with the contractor all because he submitted pictures. said the pictures were in XXXX and XXXX. no proof that the pictures are from my house.

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 2026-05-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I made a balance transfer and realized Wells Fargo is no longer involved with XXXX but the money transfer already processed and went to them. They didnt notify me of the fund I had to physically call them and they told me yes there was a balances transfer they received. I been trying for 3 months to get the balance transferred back to me. When I called in XXXX they told me a check would be issued back to me because of how high the amount was. On XX/XX/XXXX I called asking where the check was they told me there was a dispute on the amount and they couldnt give me the check the dispute had nothing to do with the check and would not in anyway impact the amount of the transfer balances they said they would know an answer by Friday. {$2400.00} is a lot of money to not be given a straight answer. XX/XX/XXXX i called again the guy I talk to said they can transfer the balance back to XXXX and told him to cancel the dispute. I dont care anymore consider that dispute was from 5 months ago and have not been resolved yet is wild. And of it all I really just want my transfer balance to be returned waiting any longer is ridiculous

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 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am submitting this follow-up complaint because the response provided by Credit Acceptance Corporation did not adequately address my concerns. While the company contacted me directly and acknowledged my situation, they did not clearly explain to the CFPB the outcome of their fraud investigation. Specifically, after reviewing my case and evidence, Credit Acceptance removed me from the loan and confirmed that I am not responsible for the account. However, this determination was not clearly documented in their official response. I am requesting that Credit Acceptance Corporation provide a clear and detailed explanation to the CFPB addressing : 1. The findings of their fraud investigation 2. The reason I was removed from the account 3. Whether false or inaccurate information was identified in the loan application 4. Confirmation that I bear no financial responsibility This information is critical for my records, as I have suffered financial harm, including credit damage and denial of credit opportunities. I respectfully request a complete and transparent response addressing these points.

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 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST HORIZON BANK
State: NE

Complaint narrative:
XXXX wrote requesting refund of interest charge of {$25.00} because company has new XXXX payment maximum of {$2000.00}. So forced to mail payment and USPS service is horrible, I have no control over the delivery time. XXXX written request to refund {$29.00} late fee because forced to mail payment. XXXX written request to close account and send written confirmation of closing and to date account is still open. All communication mailed to XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-17 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: NJ

Complaint narrative:
XXXX continuously holds, pending transactions and refuses to release them as finalized long after merchants have captured the final amount in order to prevent refunding payments back to be available for consumer in a timely matter. They hold money for days excessively, and when opportunity might present itself take advantage of the 30 day prior authorizations and this no longer is appropriate todays day and age, digital banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Capital One on accounts that are being paid through a court-supervised Wisconsin XXXX XXXX XXXX amortization plan. I am enrolled in a Wisconsin XXXX XXXX wage earner plan, case number XXXX, before XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The plan began on XX/XX/XXXX, and is active and in good standing. To date, over {$61000.00} has been paid into the plan. My Capital One account is included in this plan and are receiving regular disbursements from the trustee. According to the trustee 's status report dated XX/XX/XXXX, Capital One has two accounts in the plan : account number XXXX ( original debt {$1900.00}, paid to date {$1500.00}, remaining balance approximately {$420.00} ). Capital One has received substantial payments through the plan. Despite receiving these court-supervised payments, Capital One continues to report one or more of these accounts as a charge-off and is reporting the account as 90 days delinquent every consecutive month from approximately XX/XX/XXXX through XX/XX/XXXX. This is inaccurate. An account that is being actively repaid through a court-administered plan should not be reported as newly delinquent every month. The reporting is also inconsistent across credit bureaus. XXXX reflects no recent derogatory activity on this account, while XXXX and XXXX show ongoing charge-off and delinquency status. The reported balance on my credit report also does not match the actual balances reflected in the trustee 's records. I have previously disputed this information with the credit bureaus, and it was returned as verified without the inaccuracies being corrected. I am attaching the trustee status report dated XX/XX/XXXX as documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am requesting the removal of a collection account that recently appeared on my credit report. I believe this account is inaccurate and/or improperly reported under the Fair Credit Reporting Act. The collection account information is as follows : - Collection Agency : JEFFERSON CAPITAL SYST - Account Number : unknown - Amount : {$2500.00} Reason for complaint : This account is re-aged, outdated, unverified, and incorrect. The information being reported is damaging my credit profile and does not appear to comply with federal credit reporting requirements. I requested proper validation of this debt and have not received sufficient documentation proving the account is accurate and legally reportable. I am requesting : 1. A full investigation of this account 2. Verification of the original delinquency date 3. Immediate removal of the collection account from all credit bureaus if the account can not be properly verified or is being reported inaccurately Please provide written confirmation of the investigation results and any corrections made to my credit report. Thank you. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
This was an old credit card debt in my business name, someone showed up at my door with paperwork from filing a civil suit for the amount that I owed, I tried contacting company on many occasions to lower interest rates so that I can pay this debt off, iv given them XXXX of dollars but I couldnt afford to keep paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was permanently limited without being given a clear or specific explanation for the decision. PayPal is currently holding my funds, which belong to me, and I have not been provided evidence of wrongdoing or any detailed justification for withholding my balance. I am requesting : * Immediate review of my account limitation, * A specific explanation for the restriction, * Release of my remaining balance, * Or immediate withdrawal access to my linked bank account/card. There are no unresolved chargebacks, fraud claims, or unauthorized transactions associated with my account to justify continued withholding of my funds. I attempted to resolve this directly with PayPal customer service but have not received a meaningful explanation or resolution. I am requesting executive review and prompt release of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, my Cash App account and linked card were hacked. I immediately reported the initial unauthorized transaction of {$100.00} to Cash App support. During their investigation, Cash App informed me that the security breach was much larger : hackers had opened an unauthorized loan/credit line ( XXXX ) and processed multiple other transactions through my profile without my consent, bringing the total fraudulent theft to approximately $ XXXXI immediately demanded that Cash App freeze the account to stop further financial progression. However, Cash App has repeatedly failed to secure my profile, leaving me completely vulnerable. Crucially, the app has locked me out of my own banking configuration screen. I am entirely unable to view, change, or remove my personal bank account and debit card information. Cash App is holding my financial data hostage, preventing me from stopping ongoing or future unauthorized electronic fund transfers from my external bank account.Cash App is in direct, severe violation of Electronic Fund Transfer Act ( XXXX ) guidelines under Federal Regulation XXXX : Failure to Issue Provisional Credit : XXXX weeks after the incident, well past the XXXXbusiness-day legal limit, I explicitly requested provisional credit. Cash App denied or ignored this mandatory statutory requirement while keeping the funds out of my possession.Exceeding the Mandatory Investigation Window : It has now been over XXXX days ( nearly XXXX weeks ) since the initial report on XX/XX/XXXX. Cash App has completely blown past its regulatory deadlines without resolving the fraud or returning my funds.Gross Support Failure and Negligence : I have spoken to XXXX different customer service representatives and XXXX separate supervisors. None have provided answers, resolution, or meaningful help.Unauthorized Lending/Identity Theft : During a support call today, XX/XX/year>, representatives completely failed to explain how an unauthorized XXXX line of credit was permitted to be established under my identity without basic security verification.Refusal to Account-Close : I have desperately requested to disconnect my personal bank information and close this compromised account to protect my identity, which Cash App refuses to facilitate.Desired Resolution : I demand that Cash App ( Block, Inc. ) immediately : Refund the full {$750.00} in fraudulent transactions and completely wipe out any unauthorized XXXX loans or balances falsely opened in my name.Immediately expunge my linked bank account and routing information from their system to stop further theft.Permanently close the fraudulent Cash App account and provide a formal compliance letter confirming my name is clear of all associated debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been an American Express customer in good standing for several years, and I am extremely disappointed with how this situation was handled. I was charged an {$890.00} annual fee on an account that was subsequently closed. When I realized the issue, I requested either a refund of the fee or the ability to reopen the card so I could at least receive the benefits intended to help offset such a substantial annual cost. American Express denied both requests because I missed the cancellation window by only a few days. As a result, I paid {$890.00} for a closed account with no ongoing access to benefits, credits, rewards, or services of any kind. I understand companies have policies, but there should also be room for fairness and reasonable customer service, especially for long-time loyal customers. What is most disappointing is not just the fee itself, but the complete unwillingness to offer any reasonable resolution or goodwill accommodation. I expected far better from a company that promotes premium service and customer relationships.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I have allowed to many people access to my Cash App and because of it my cash tag is being cloned by scammers and need to change my cashtag

Company response to consumer: Closed with explanation