vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: VA

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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
On XX/XX/2026, while walking in XXXX XXXX listening to a podcast, two guys on bikes stole my XXXX XXXX. The phone had no internet due to a needed update. I chased them but they got away. A police officer helped me check Find My XXXX, which showed locked, but no internet on the device prevented tracking. The stolen phone caused major problems verification codes went to it, making it very difficult to access my accounts. Flight and weather delays stranded me longer in XXXX XXXX and XXXX. I set up my new XXXX in XXXX, but XXXX support and number transfer added another day of delay. When I finally logged into Coinbase, my XXXX BTC and XXXX ETH ( worth over {$6000.00} ) were stolen. The thieves changed the account language to XXXX. Coinbase logs show they detected unauthorized access on XX/XX/XXXX, blocked one withdrawal, but did not freeze the account. Roughly 21 hours later on XX/XX/XXXX, the attackers drained everything while I was still trying to get home with no access. I request full reimbursement due to Coinbases failure to secure my account after detection. Law Enforcement ID 's : XXXX XXXX Report : XXXX. XXXX FBI IC3 : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
EasyPay Finance verbally admitted to me several months ago that my account was paid in full and that their {$800.00} demand was a billing mistake. They assured me it was resolved. However, on XX/XX/year>, they resumed harassing phone calls demanding the same erroneous balance. I demand that EasyPay manually audit my payment history, correct their database, update my account to a {$0.00} closed balance, and cease all phone contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am responding to your contact regarding the alleged debt referenced above. Under the Federal Trade Commission and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following : The name and address of the original creditor The amount of the alleged debt Copies of any documents bearing my signature showing I agreed to this debt Proof that your agency is licensed to collect debts in my state Documentation showing you have the legal authority to collect this debt Until you provide proper validation, you must cease collection activities and reporting this account to any credit reporting agencies. If you can not validate this debt, I request that you immediately : Delete all references to this account from my credit reports Cease all collection efforts Send written confirmation that the account has been removed and closed This letter is not an acknowledgment or acceptance of the debt, nor is it permission to restart any statute of limitations. I request all future communication be in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Beginning XX/XX/year> to XX/XX/year> several unauthorized transactions were made from my CashApp account where money was transferred from my bank account onto my CashApp balance and then withdrawn and deposited into 2 bank accounts that did not belong to me and that I did not recognize. Over {$19000.00} was successfully deposited into the unknown bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was robbed and contacted chase immediately after j saw charges being made while i was in the hospital that i did not authorize, these people used my passcode and made XXXX XXXX dollar purchases on a sports betting app that i have not used in almost 2 years chase denied my claim when i explicitly stated i did not have possession of any of my cards

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
Im filing this complaint regarding deceptive advertising, failure to honor a published manufacturer incentive, and ongoing mishandling of my consumer case by XXXX XXXX XXXX and Nissan Motor Acceptance Company ( NMAC ). On XXXX XXXX XXXX I leased a XXXX XXXX XXXX through NMAC. Prior to signing, Nissans official website advertised a {$3500.00} Cash Bonus incentive for this vehicle. I presented this incentive directly to the dealerships General Manager, including proof from Nissans own website. Despite this, the GM refused to honor the incentive and stated that I would have to go directly through XXXX corporate. He also made it clear that he was not going to get any money out of the deal, referencing the fact that he previously had to correct errors made by one of his finance managers during my XXXXXXXX XXXX XXXX purchase of a XXXX XXXX XXXX. This conduct constitutes false advertising and unfair or deceptive acts or practices, violating : 15 U.S.C. 45 ( a ) Unfair or Deceptive Acts or Practices ( UDAP ) Truth in Lending Act and Regulation Z requiring accurate disclosure of credit terms Consumer Leasing Act requiring clear, nonmisleading lease information CFPB UDAAP Standards prohibiting practices that mislead or materially interfere with consumer understanding State deceptive trade practices laws prohibiting advertising incentives that are not actually available After the dealership refused to honor the incentive, I contacted Nissan Consumer Affairs and opened Case # XXXX. I received an occasional call during work hours, and immediately afterward the representative closed the case, claiming they were unable to reach me. This was false. Since then : I have repeatedly called to follow up The case continues to be closed without resolution The Consumer Affairs team repeatedly has to reopen the case I added an alternative number for my husband, who has more daytime availability, yet no one has ever called him When I call back, Im told there is no way to contact anyone directly, and the only action they can take is to send an email saying that I called This demonstrates : Failure to investigate a legitimate consumer complaint Unfair administrative barriers preventing resolution Badfaith handling of a documented dispute Systemic avoidance of accountability Im submitting this complaint because all internal attempts to resolve the issue have been ignored, dismissed, or prematurely closed without investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have a synchrony bank account and I was told that my balance was {$1600.00}. I was told last week that if I was to call and ask for the interest of {$660.00} and XXXX {$2.00} to be way then I would have to pay the balance off in full which would be {$990.00}. I asked if they can waive the interest so that I can pay the {$990.00} off in full which they denied and said that there was nothing they can do and would not help me. I spoke to XXXX which is an account manager account number XXXX. I also spoke to XXXX another account manager XXXX and I spoke to the collections department XXXX, who was a manager and refused to give me her ID number

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 2026-05-19 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My Wells Fargo account was compromised. It was hacked into buy an entity posting as a financial institution trying to make my girlfriend alone and they were able to get into my separate checking account. Wells Fargo has shut my account down in the negative and now Im being reported to credit bureaus this isnt fair they told me to today they refused to fix things back to where they were when IMy Wells Fargo account was compromised. It was hacked into buy a entity posting as a financial institution trying to make my girlfriend alone and they were able to get into my separate checking account. Wells Fargo has shut my account down in the negative and now Im being reported to credit bureaus this is it fair they told me to today they refused to fix things back to where they were when I had a positive balance it would not open an account for me

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 2026-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable reporting by XXXX concerning a collection account reported by National Recovery Agency ( Account # XXXX ). On XX/XX/XXXX, I sent a debt validation request via certified mail directly to National Recovery Agency. To date, I have not received proper validation or supporting documentation of the alleged debt. Despite the lack of validation provided directly to me, XXXX has repeatedly verified and continued reporting this account as accurate. I requested a reinvestigation and asked XXXX to provide the method of verification and supporting documentation used to verify this account. However, no meaningful investigation appears to have been conducted. This account relates to an alleged medical debt from XXXX, yet the collection account was opened in XXXX. I have serious concerns regarding the accuracy, completeness, and compliance of this reporting under the Fair Credit Reporting Act ( FCRA ). I am requesting : - Immediate deletion of this account from my credit report unless proper documentation can be provided - A complete description of the procedure used to verify this account - Copies of all documentation relied upon during the investigation I believe XXXX has failed to conduct a reasonable investigation as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Milestone card no matter what I paid to them the fees where always make me over my limit. I had not charged anything on this in months, for what I paid the account should of had a balance or paid in full. I closed this account will send card back cut up. I feel like they are scamming me an a predator.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CO

Complaint narrative:
* '' On or around XXXX XXXX XXXX XXXX XXXX at approximately XXXX each time, I called Westlake Financial from my phone number to obtain a vehicle payoff balance. The agent gave me a verbal payoff quote of {$18000.00}. I explicitly instructed the agent I'd pay over the amount, and pay {$21000.00}, and I was assured the {$3000.00} overpayment would be refunded to me XXXX XXXX, or XXXX XXXX XXXX XXXX where I received the check from. Westlake Financial received my {$21000.00} payment one month ago. However, they kept the entire amount and are now stating they do not owe me a refund. Because this binding agreement was made verbally, I am formally requesting that Westlake Financial 's compliance department pull and review the recorded audio logs of my phone call from that date to verify the agent 's instructions. I am seeking a refund of my {$3000.00} overpayment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Bridgecrest is attempting to collect and/or report a deficiency balance after repossession. I have disputed the balance and requested documentation proving how the deficiency was calculated, but Bridgecrest has not provided sufficient verification. I also disputed the Bridgecrest reporting with the credit bureaus. I sent disputes to XXXX by certified mail on XX/XX/year>, XXXX by certified mail on XX/XX/year>, and XXXX by certified mail on XX/XX/year>. In those disputes, I requested that the Bridgecrest account be investigated and that Bridgecrest verify the accuracy of the reported balance and status. Despite these disputes, Bridgecrest continued to verify or report the deficiency balance without providing complete documentation proving the balance, sale records, required notices, or itemized fees. On XX/XX/year>, I sent Bridgecrest a written dispute and request for documentation by certified mail. I requested documents including the vehicle sale date, sale location, auction or sale records, buyer invoice or bill of sale, sale proceeds, a full deficiency balance calculation, an itemized breakdown of repossession, storage, transport, and sale fees, third-party invoices supporting those fees, and proof that required pre-sale and post-sale notices were mailed or delivered. Bridgecrests response did not adequately prove the claimed deficiency balance. The documents provided did not include complete sale records, proof of the actual sale transaction, third-party fee invoices, or sufficient proof that required notices were properly mailed or delivered. I later sent Bridgecrest another written request for the same documentation. Bridgecrest responded with essentially the same insufficient packet and did not provide the specific documentation I requested. Bridgecrest also did not provide a meaningful explanation of its method of verification. The materials provided appear to rely mostly on the original sale contract and a deficiency calculation letter, but they do not include supporting proof showing how Bridgecrest arrived at the claimed deficiency amount. I am concerned that Bridgecrest is collecting and/or furnishing an inaccurate or unverified deficiency balance to the credit bureaus. I want Bridgecrest to provide complete documentation proving the deficiency balance, including all sale records, fee invoices, notices, and the full accounting, or correct/delete any inaccurate or unverified balance being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing this complaint regarding a collection account being reported by XXXX XXXX XXXX XXXX on my Experian credit report. I do not recognize this debt and have no knowledge of this account. This account is the result of identity theft and/or inaccurate reporting. I was never properly notified about this alleged debt prior to it being placed on my credit report, and I have not received sufficient documentation proving that this account belongs to me. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting a full investigation into this matter. I am demanding that XXXX XXXX XXXX XXXX and the credit bureaus provide complete validation of this debt, including : - Original signed agreement or contract - Full account history - Proof that I am legally responsible for the debt - Documentation showing how this account was verified - Name and address of the original creditor Because this account is fraudulent and unauthorized, I am requesting the immediate removal of this collection account from my credit reports. I also request that all collection activity cease unless proper verification can be provided. Please investigate this matter immediately and remove all inaccurate information from my credit file.

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 2026-05-20 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Notice of Billing Error & Fair Credit Billing Act Violation I am filing a formal complaint against the credit card company for a critical billing error and a failure to perform a reasonable investigation under the Fair Credit Billing Act. Due to a technical glitch on a merchant website on XX/XX/year>, my account was debited TWICE for the exact same transaction amount of {$330.00}. Both charges settled and posted on XX/XX/year>, totaling a deduction of {$660.00}. Because I cancelled the transaction within 24 hours, the merchant issued a single credit of {$330.00} on XX/XX/year>. This left the second duplicate charge running on my balance. The credit card company 's dispute department has closed my case ( Letter dated XX/XX/year> ) and forced a re-billing entry, falsely claiming that the merchant credited the account. The bank is failing to perform basic arithmetic : they are applying a single merchant refund to cover two separate debits. DOCUMENTARY EVIDENCE OF SYSTEM ERROR : I have attached absolute proof that the credit card company generated two completely unique alpha-numeric Transaction IDs on my ledger for the same date and amount. The bank 's dispute system matched the single refund to the first ID and blindly closed the case, completely ignoring the second running transaction : Transaction ID XXXX : XXXX ( Acknowledged in Case ID : XXXX ) Transaction ID XXXX : XXXX ( Running on my Credit Statement )

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 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Subject : Dispute of SAVE/IDR Student Loan Servicing Errors To Whom It May Concern, I am writing to formally dispute the handling of my student loan account by Nelnet. I believe errors were made regarding my SAVE/Income-Driven Repayment ( IDR ) plan and account servicing. Specifically, I dispute the following : Incorrect processing of my SAVE/IDR repayment plan Inaccurate payment status and/or balance information Possible improper reporting of delinquency or late payments Failure to properly update or maintain my repayment information These issues have caused financial hardship, confusion regarding my loan status, and potential negative effects on my credit profile. I have attempted to review and resolve these concerns, but the account information still appears inaccurate. I request that Nelnet conduct a complete investigation of my account and : Correct all inaccurate information Update any improper credit reporting Provide written confirmation of corrections Remove any incorrect delinquency, forbearance, or payment history entries caused by servicing errors Please investigate this matter promptly under applicable federal consumer protection and student loan servicing laws. Attached are copies of supporting documents, including payment records, account screenshots, and related correspondence. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filling a dispute in regard to Chase Banks handling of credit card dispute Claim # XXXX related to charges from XXXX XXXX in XXXX, Louisiana for XXXX XXXX XXXX. I reserved and paid for hotel rooms that were explicitly advertised as smoke-free accommodations. Upon arrival, all rooms provided had a strong and persistent smoke odor that materially differed from what was advertised and purchased. I immediately reported the issue to hotel management during the stay. The hotel attempted to mitigate the odor using an air treatment machine but did not provide alternative smoke-free accommodations or a refund. The condition of the rooms was not corrected. During the dispute process, I submitted photographic evidence showing that smoke detectors or fire safety devices appeared to be missing or disabled in at least two rooms. This raised additional concerns about the condition and safety of the rooms provided. Despite this documentation, Chase Bank denied the dispute and later reaffirmed the denial upon reconsideration. The denial did not address the photographic evidence submitted and did not provide a substantive explanation of how the evidence or reported conditions were evaluated under the applicable service not as described dispute standard..

Company response to consumer: Closed with explanation