vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I had a Navy Federal Credit Union checking account that was originally opened in XXXX and later closed. At the time of closure and afterward, I never received any final statements, notices, collection letters, or electronic communications stating that I owed a remaining balance. No debt from Navy Federal ever appeared on my credit report. 

In XXXX, I reopened a new Navy Federal checking account with no knowledge of any outstanding balances from prior accounts. After reopening the account, I overdrew the account by approximately {$22.00}. 

On XX/XX/XXXX, my employers direct deposit of {$200.00} posted to my account. Immediately upon posting, Navy Federal applied an Adjustment Debit of {$180.00}, leaving me with little to no access to my wages. I expected only the {$22.00} overdraft to be recovered. 

When I contacted Navy Federal, I was informed that the funds were applied to balances allegedly owed on two previously closed accounts. This was the first time I was ever made aware of these alleged balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
I received a notification of debt collection from XXXX, after I contacted company they inform me is an collection agency representing XXXX XXXX XXXX  ( Valor Intelligent process ). Immediately contact XXXX XXXX XXXX and they could not verify my info, requesting to visit the store. Visiting the store, and providing my driver license or ssn they could not verify anything. I have not contact the collection agency because I dont own nothing tXXXX XXXX XXXX XXXX XXXX So I want to clarify what is this about, because at this moment I have no knowledge about owning money to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: Chime Financial Inc
State: AL

Complaint narrative:
I haven't received my direct deposit from my job, they sent it to my chime account but there wasn't any funds in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.

Complaint narrative:
I am a borrower whose student loans are serviced by Sloan Servicing. I am a post-class applicant under the XXXX XXXX XXXX ( formerly XXXXXXXX XXXX XXXXXXXX ) settlement. 
My borrower defense application is currently pending. Under the terms of this federal court-approved settlement, borrowers with pending applications are not required to make payments, and loan servicers are prohibited from collecting payments during the protected forbearance period. The U.S. Department of Education has until XX/XX/XXXX to issue a decision on my application. 
Despite these protections, Sloan Servicing auto-debited more than {$500.00} from my bank account on or about XX/XX/XXXX. This payment was not authorized and should not have been collected. 
My underlying school, Florida XXXX XXXX XXXX XXXX, has lost accreditation and closed, and is recognized by the Department of Education as a de facto fraudulent institution for borrower defense purposes. 
I contacted Sloan Servicing to request an explanation for the unauthorized debit, confirmation of my protected forbearance status under the XXXX settlement, and assurance that no further payments would be collected while my application remains pending. Sloan Servicing did not provide this information or otherwise resolve the issue. 
I am requesting an investigation into Sloan Servicings improper payment collection, a full refund of the unauthorized debit, written confirmation that my account is correctly placed into protected forbearance, and assurance that no further collection activity will occur while my borrower defense application remains pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DreamSpring
State: PA

Complaint narrative:
Account Name : ACCION NM Account Number : XXXX Original Loan Amount : {$10000.00} Reported Balance : {$14000.00} as of XX/XX/year> I am submitting this complaint regarding inaccurate and misleading reporting of my ACCION NM business loan on my credit report. 

This loan was originally issued for {$10000.00}. The account was later charged off, written off by the creditor, and is currently being reported with a balance of {$14000.00}. The reported balance now exceeds the original principal of the loan, without any clear or verifiable contractual basis for the additional amount. At the account was closed, I had paid the loan down to {$9.00}, XXXX, which was the only amount owed and should be the only amount reflecting on my credit report. 

Under the contracts governing law, XXXX XXXX law, once a loan is charged off and a final or stated balance exists, continued accrual of interest or fees must be supported by specific, verifiable authority. The law does not permit a creditor to treat a loan as an indefinitely open account accruing escalating charges after charge-off. 

XXXX XXXX account stated doctrine reflects that when an accounts balance is finalized, post-charge-off treatment as an open account for interest purposes is inappropriate. See XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( confirming that interest provisions applicable to open accounts do not apply where an account becomes stated ). 

I do not dispute the validity of the original loan. I dispute the method and amount of current reporting, which is factually inaccurate and misleading. The only verifiable balance that should appear on my credit report is the original contract amount of {$10000.00}, or such lower amount as properly calculated under the contract, which in this case would be the XXXX, XXXX owed at the time the account was closed. The currently reported balance of {$14000.00} can not be verified as accurate or legally collectible as the account is continuing to accrue interest even after account closure and post charge-off. 

I have attempted to address this directly with the furnisher and with the credit reporting agencies, but the incorrect reporting persists. I am requesting that XXXX XXXX  ( as furnisher ) and the credit bureaus correct my credit report to reflect the accurate balance of this account. If the accurate balance can not be verified, then the account should be removed from my credit report to ensure compliance with the XXXX XXXX XXXX XXXX requirements for accuracy and completeness. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo has indicated that there response has been the same. That myself and spouse has visited there office and signed for this {$190000.00} no payout loan that is filled with redacted underwriting. The claim is was for our protection. So after XXXX  years at this property valued at {$60000.00} we are accused of signing for a {$190000.00} no cashout refi we are disputing the signatures on this loan and seeking a refund of {$65000.00} for overpayment of this property m

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 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
I have the collection on my account that I dont know who it is. I disputed it, but they keep canceling it. Credit corpse solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account was hacked. The scammers gained access to my PayPal account through an old work phone number tied to an existing email address. They added a XXXX business account. Added a phillipines mailing address. Changed the name on my account. Added an email address to it. Changed my password. Turned on XXXX factor authentication. XXXX my current email address tied to it along with my actual information. I cancelled my bank account. Frozen my credit purposely. Drained my credit and savings so that they can't get into it. Because they ended up gaining access through the email address and into my bank, that I was able to cancel. I filed complaints both through the FTC and the FBI ( XXXX ). I asked PayPal to cancel the account. They said they did. Then I received an email that said that they only paused the account. I called them again and they told me I had to only communicate with them through email and now when I email them they won't allow me to cancel my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX, two checks were deposited from the sale of farm land. Both checks came from an attorney 's trust. One check was deposited into checking and the other into savings. Both checks were placed on hold. When we asked why, they said because they are so large, they have to be on hold until they are paid. ( Note one check was over {$93000.00} and the other over {$98000.00}. ) On XX/XX/XXXX, both checks were paid to Chase. This was confirmed through the attorney handling the transaction. 

On XX/XX/XXXX, with both checks still on hold, we went in person to the local branch. They were not able to explain why the checks were still on hold, other than to say it is how things are done. They provided a phone number to get the hold released now since both checks had been paid on the XXXX. 

On XX/XX/XXXX, we contacted the Chase using the number provided to us. We received multiple excuses, but Chase adamantly refused to release the funds. Here are their excuses : 1. Chase had not yet collected funds from the issuing bank. we provided Chase proof from the attorney 's office that they were paid on the XXXX, 7 days ago. 
2. The amount of the checks was too large and they had to verify authenticity. We again pointed out that first, Chase does not have the legal right to determine what amount is too large or too small. We also pointed out that the checks were paid on XX/XX/XXXX so obviously they were valid checks. 
3. Chase sets the policy and decides when to release them. Chase has determined that 10 days is the acceptable hold time. Again, Chase does not have the right to decide when we can spend our money. 

It appears that by accepting the funds from the issuing bank and refusing to release the money to us, Chase has in essence stolen from us. We have been told that the bank invests the funds and then collects on the interest from those investments for a number of days before giving the money that is rightfully ours to us. Chase has been holding our money for 7 days now. It seems that they should be paying us interest on those funds from the date they receives payment until the date they decide it is ok for us to spend our money. This idea of big corporations, including banks, deciding how and when consumers get or spend their money has to stop. For 7 days they have had our money in their possession and refused to release it to us. That money was to be used to pay off a mortgage. So now in addition to Chase keeping interest on money that should have been released to us once the checks were paid, they now should also have to pay the mortgage interest for all the days we have had to wait to pay off the mortgage. 

Holding checks until the issuing bank has released funds, until the receiving bank has collected the funds is understandable. Holding checks for no provided reason, money that does not belong to the bank, seems to be a form of theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) is illegally reporting and attempting to collect a debt that was previously deleted from my credit reports. 

This alleged debt originated with Capital One Bank USA, NA. The original Capital One tradeline was deleted from both XXXX  and XXXX  in or around XX/XX/XXXX after prior disputes. XXXX was not reporting at that time. 

In XX/XX/XXXX, XXXX reinserted this same debt onto my XXXX  and XXXX  credit reports without providing any reinsertion notice as required by FCRA 611 ( a ) ( 5 ) ( B ). I was never notified within XXXX business days that previously deleted information had been reinserted. 

XXXX is also unlawfully re-aging the account by reporting a new date opened of XX/XX/XXXX, despite the alleged date of XXXX  delinquency being XX/XX/XXXX. Reporting a new date opened misrepresents the age of the debt and violates FCRA 623 ( a ) ( 5 ) and 607 ( b ). 

PRAs reporting is demonstrably inaccurate and unverifiable. XXXX  has already deleted this account, while XXXX continues to report it to XXXX and XXXX. The same furnisher reporting the same debt inconsistently across credit bureaus proves the information is not accurate. 

Additionally, XXXX has attempted to contact me via text messages and voicemail without first providing proper written debt validation as required by FDCPA 1692g. 

XXXX has failed to provide : A complete chain of assignment from Capital One Proof of legal ownership of the alleged debt Certification required for reinsertion after deletion XXXX has no lawful basis to report or collect this debt. Their actions constitute illegal reinsertion, re-aging, inaccurate credit reporting, and unlawful collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
We got an email saying we owed them money after our lease agreement was done then we contacted them again they said they owed us money and that theyll contact us back got back to us said we owed them XXXX $ my girlfriend went and gave them a XXXX $ check recently they started sending us another bill stating we owed them XXXX $ for unknown reasons we asked for an itemized list and theyve never provided us we such list

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
My vehicle was repossessed by American Credit Acceptance and later released back to me. While the vehicle was in their possession and/or at auction, the brake line was damaged. When I went to retrieve the vehicle from auction, only the brake line was repaired. Immediately after this repair, multiple warning lights illuminated on the dashboard ( including brake/ABS-related warnings ), indicating additional mechanical and/or electrical issues.

The vehicle was not returned to me in the same condition it was in prior to repossession and is currently unsafe to operate. I believe the damage occurred while the vehicle was under the control of American Credit Acceptance or its agents, or as a result of negligent or incomplete repair.

Despite notifying American Credit Acceptance, they have refused to address the additional issues or authorize further repairs, yet they continue to demand full monthly payments on a vehicle that is unsafe to drive. I am disputing the condition of the vehicle and the obligation to continue payments until the damage caused during repossession is properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of my debit card dispute. 

On XX/XX/year>, two transactions were processed on my debit card for XXXX purchases in the amounts of {$8300.00} and {$8400.00}. 

The merchandise was returned to Costco, and the merchant confirmed receipt of both returns and issued refunds. I have documentation including refund confirmation emails from Costco, XXXX  return tracking numbers showing delivery to Costco, and screenshots from my Costco account showing both orders marked as returned and refunded. 

I disputed the transactions with Capital One and provided all requested documentation. Despite this, Capital One denied the dispute stating that the transactions were valid, without addressing or acknowledging the merchants confirmation that refunds were issued. 

I contacted Capital One again and the claim was reopened, and I resubmitted the documentation via fax. However, the dispute was denied again without a proper explanation or consideration of the refund and return evidence. 

I believe Capital One failed to properly investigate this debit card dispute and did not conduct a reasonable review of the documentation provided. 

I am requesting a full review of my dispute, proper consideration of the refund evidence, and correction of my account to reflect the issued refunds.The disputed transactions are associated with Capital One claim number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have reported XXXX XXXX XXXX XXXX XXXX to the Attorney General 's Office for fraudulent charges. Complaint tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I, XXXX XXXX, am disputing the reporting of the American Express account on my credit report. This account was included in my XXXX  XXXX bankruptcy filed XX/XX/XXXX, and any activity reported after my discharge is inaccurate and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Specifically : Account shows late payments or balances after discharge in XXXX. 
American Express can not legally report any post-bankruptcy activity. 
I am requesting : Immediate removal of all post-discharge reporting for this account from my credit file. 
Full verification of any reported information. If verification can not be provided, the account must be deleted. 
Update all credit bureaus to reflect accurate bankruptcy status and XXXX balance. 
Continued reporting of this inaccurate information is a violation of the FCRA, and I reserve the right to pursue all available legal remedies, including escalation to the CFPB. 
Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I received a firm offer for credit in the mail from SoFI which indicated that SoFi had already reviewed my credit and had reapproved me for a credit card and all I needed to do was approve the application. 

On XX/XX/year> I entered the confirmation number and was denied the credit card citing my credit situation. I requested the matter be escalated as this was completely misleading and received a response back from XXXX XXXX a resolution specialist who continued to focus on the reasons in the adverse action letter and ignoring the fact that this wasn't an INVITATION TO APPLY. SoFi sent me a letter in the mail advising that my credit HAD ALREADY BEEN REVIEWED and I was preapproved for a credit card. This firm offer of credit was not genuine and misleading and goes against Regulation B of the Equal Credit Opportunity Act amongst other misleading conduct.

Company response to consumer: Closed with explanation