vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 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: Block, Inc.
State: NC

Complaint narrative:
On or about XX/XX/year>, Cash App closed my account without prior notice and confiscated my Cash App card. At the time of closure, my account contained approximately {$250.00}. Since the closure, I have been unable to withdraw, transfer, or otherwise access my funds. 

Cash App support has provided inconsistent explanations, including claims of illegal activity and later stating that withdrawals were denied due to too many attempts. My bank has confirmed that no withdrawal or transfer attempts were denied on their end. 

I have repeatedly contacted Cash App through in-app support requesting access to my funds or a manual withdrawal or mailed check, but Cash App has refused to release my balance and has not provided a clear timeline for resolution. 

The withheld funds are needed for immediate housing and moving expenses. Cash Apps refusal to release my funds is causing severe financial hardship and risk of homelessness. I am requesting immediate release of my remaining balance via mailed check or manual withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: MI

Complaint narrative:
They called me today, XX/XX/year> at XXXX. I dont have a federal student loan and havent in years. They state This is Nelnet, calling on behalf of the United States Department of Education. Call us today at XXXX to opt out of future automated calls or visit nelnet.studentaid.gov to go over all of the options available to you regarding your student loan account. Also, watch your email or mail for key information about your account. 

Problem is they are calling me at XXXX which can be considered against the law. This is not an emergency and I dont even have a federal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Inaccurate Credit Reporting XXXX  XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information appearing on my XXXX  credit report. This dispute is submitted pursuant to the * * Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681, 1681i, and 1681s-2 * *, which require consumer reporting agencies to maintain maximum possible accuracy and to reinvestigate disputed information. 

XXXX. Wells Fargo Home Mortgage Account Number : XXXX XXXX XXXX XXXX XXXXs reporting a * * late payment for XX/XX/XXXX * * on my Wells Fargo mortgage account. This reporting is * * factually incorrect * *. 

The XX/XX/XXXX mortgage payment was * * made on time and posted on XX/XX/XXXX * *, as confirmed by Wells Fargos official payment notification. Reporting this payment as late misrepresents my actual payment history and violates XXXX duty to report accurate information. 

I request that XXXX  * * remove the inaccurate late payment notation * * and update the account to reflect * * paid as agreed * * for XX/XX/XXXX. 

XXXX. XXXX, XXXX. 

* * Account XXXX : XXXX XXXX XXXXXXXXXXXX XXXX is reporting * * late payments and delinquency information * * on my XXXX account that is * * inaccurate and misleading * *. 

This account was * * closed in XX/XX/XXXX * *, and XXXX confirmed in writing that after the account was paid and closed, * * no further monthly payment performance would be reported to the credit bureaus * *. Any late payment reporting appearing after closure does not accurately reflect the accounts contractual status or reporting obligations. 

If XXXX  can not verify the reported late payments with * * competent evidence from the furnisher * *, the information must be * * corrected or deleted * * as required by law. 

Request for Reinvestigation Pursuant to * * 15 U.S.C. 1681i * *, I am requesting that XXXX  : XXXX. Conduct a reasonable reinvestigation of the disputed accounts listed above XXXX. Delete or correct any information that can not be verified as accurate XXXX. Provide written confirmation of the results of the reinvestigation XXXX. Update my credit file to reflect accurate payment history Enclosed are copies of supporting documentation, including my XXXX  credit report, Wells Fargo payment confirmation, and XXXX account correspondence substantiating this dispute. 

Please complete this reinvestigation within the timeframe mandated by the Fair Credit Reporting Act. 

XXXX See attachments. 

Sincerely, 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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing this letter to dispute certain information that is falsely listed on the credit report referenced above. The inaccurate information that appears on my credit report is as follows, capital one credit card opened XX/XX/year>, credit card type bank credit card with a closed balance of XXXX XXXX The phone number is XXXX. I have never opened or gave consent or have any prior knowledge of this account or to have this account opened during the time of XXXXXXXX XXXX XXXX Enclosed is a copy of the credit report with the inaccurate information marked or circled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I sent XXXX of XXXX XXXX XXXX to PayPal from XXXX PayPal supports XXXX  ( XXXX  ) but not XXXX now my funds are stuck on the XXXX  and paypal closed my account and isn't giving me access to my funds I only sent my funds to PayPal because they state they support XXXX  so I figured it would go to my PayPal account not because PayPal doesn't support XXXX XXXX so they support the network but not all coins is confusing and some way a setup for them to take money paypal has access to reverse the funds manually because they have the internal keys something i will need to get my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AR

Complaint narrative:
I am submitting this formal complaint regarding Jefferson Capital Systems for reporting inaccurate and unverified information on my Experian credit report in violation of federal law. 
Jefferson Capital Systems is reporting a collection account with an alleged balance of {$2200.00} originally attributed to XXXX. This account is inaccurate, misleading, and has not been properly validated despite being disputed.Violations and Legal Basis 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) Once I disputed this account, Jefferson Capital Systems had a legal obligation to conduct a reasonable investigation and verify the accuracy of the information being reported. They have failed to provide any documentation proving : A valid contractual obligation My liability for the debt The accuracy of the balance A complete payment history from the original creditor Reporting unverified data constitutes inaccurate reporting under the FCRA.2. FCRA, 15 U.S.C. 1681e ( b ) Furnishers must establish and follow reasonable procedures to ensure maximum possible accuracy. Reporting a debt without complete verification from the original creditor fails this requirement.3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692g Jefferson Capital Systems is engaging in deceptive collection practices by reporting this account without providing proper validation and by misrepresenting the legal status and accuracy of the debt.4. FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) The reporting includes inconsistent dates and lacks a verified date of first delinquency, which affects the legal reporting period and further renders the tradeline inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
XX/XX/year> i got a car loan, i had got into a crash and was desperate for a car so i can get back to work. I have an XXXX XXXX XXXX XXXX in assets and w2 income and i was given a 9.39 % loan when there websites states 5-6 % at the time. 

I am a XXXX male with an XXXX XXXX XXXX and over $ XXXX in liquid assets. Despite being a 'Super Prime ' borrower, Navy Federal charged me a 9.39 % interest rate on my auto loan. I believe this is a violation of the Equal Credit Opportunity Act ( ECOA ), which prohibits offering less favorable terms based on race. I am seeking a retroactive interest rate adjustment to the prime rate offered to similarly situated White borrowers ( approximately 5-6 % at the time )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thaxton Investment Corporation
State: OH

Complaint narrative:
I am filing this formal complaint against Heights Finance Corporation regarding predatory lending practices and demonstrably false credit reporting/debt collection activity. 

This account did not originate from a standard loan application. Heights Finance appears to have mined public court records to identify that I had previously filed for bankruptcy protection. They then mailed an unsolicited " live check '' to my home, specifically targeting me immediately after my bankruptcy discharge when I was legally vulnerable. This " XXXX XXXX XXXX' tactic relies on trapping consumers who can not legally file for XXXX XXXX again. I did not request this loan ; it was aggressively marketed to me through an unsolicited financial instrument. 

Heights Finance is now attempting to collect on this debt using accounting records that are demonstrably broken and factually impossible. 

The " Negative '' Payoff : Their reporting indicates a " Pay-Off Percentage '' of XXXX % ( negative XXXX percent ). It is mathematically impossible to pay a negative percentage of a loan. This proves their internal software is malfunctioning and their data integrity is compromised. 

Inflated Balance : The " Highest Balance '' extended was roughly {$1700.00}, yet they are currently reporting/demanding a balance of {$4700.00}. They have inflated the debt by nearly 300 % through unexplained fees and interest, likely utilizing the same " loan churning '' practices for which the CFPB previously sued Heights Finance ( XXXX XXXX. XXXX ). 

The creditor solicited this debt through predatory targeting of a bankruptcy filer and is now attempting to collect an amount based on a system that calculates " negative '' payments, I contend this debt is invalid. Their records fail the FCRA requirement for " maximum possible accuracy. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC

Complaint narrative:
On XXXX, I looked into finding more efficient ways to pay my rent to my landlord and found the XE Money Transfer app. They seemed credible at the time. I log into the account and they provided me with their bank information to initiate the transfer. I input the XE bank account correctly and even had my roommate confirm as well before wire transferring the amount of {$2800.00} to them that they were suppose to exchange into currency of Euros. On XXXX, I received an email that XE cancelled transfer XXXX and immediately called my bank ( XXXX XXXX ) and was told I'd have to wait for the transfer to post then I could dispute for a refund. I was told then that the process would take 10 days after that to get my money back. The money posted on the XXXX and I called XXXX again and was now told that XE would have to trace the funds to get funds and send them back to me. I call XE after and am told to talk to XXXX again and request a XXXX document and payment reference. XXXX provided me this and I sent it to XE on XXXX with a confirmation number yet somehow they have no idea where my funds are after self investigation. For the whole rest of XXXX I played the waiting game with XE and XXXX as I was told. XXXX sent me mail documenting everything XE would need and also once confirming that the money was sent to them so they couldn't deny that. I'm currently stationed in XXXX and had to wait for the mail to be sent to my home address in XXXX, Alabama. My mother received the letter on my behalf and sent me a pic of it to send to XE on XXXX. XE received my email and sends the same automated bs response asking for XXXX and confirmation number again. At that moment I sensed that this was going nowhere and I needed to escalate this further to get my money. XXXX insisted that I do a police report to track my money 's location and that's led me here now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I tried to respond to my last complaint and was not allowed to. However, My account was changed to XXXX different collection companies Nelnet and XXXX XXXX. I also applied for debt forgiveness because I qualified and was denied. I applied for debt forgiveness twice and still being denied when these companies fraudulent sold my account to XXXX different companies. Also, compromised my privacy too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: Chime Financial Inc
State: TX

Complaint narrative:
I purchased a set of Veneers  from XXXX, paid {$290.00} in advance for XXXX complete set, top/bottom with an impression kit, that's was to be within 10 days after receiving because I paid for priority service {$50.00} more, in XX/XX/year>. The impression kit was received, I did the impressions ans sent in the pics to customer service because they will not send the label for you to send the kit back until you provide pics that are good enough to make the veneers. So I had to purchase another impression kit, they denied my first one. They sent the label at the end of XXXX finally, I sent the impression to make the veneers, but then they sens me a message saying they arent good enough I need to purchase more impressions, they are charging me {$50.00} just fir the shipping n {$20.00} for the kit. I told them per your protocols you will not srnd the label until you get pics that are good enough to process the veneers, they sent the label so why do I have to get more kits. They continued to say they arent able to process, therefore I requested a full refund. They told me to fill out Form so that they could process the refund. Then after that they messaged me saying they could process only the bottom veneer. I specifically told them not to do that i paid fir a set and paid priority at this point it was not longer priority at the end of XXXX. They wouldn't even look right if you only wear the bottom without the top it will look crazy. They sent the bottom half anyway it came back horribly not even a full bottom set, I told them if that's how they are going to look, like this piece they sent me i really don't want it and I want my refund. I've done this with a different company before with XXXX impression they made my product within XXXX weeks. They then told me they don't do refunds. I never received the completed product or a refund. So I disputed the charge with my bank CHIME, I sent them all the documents, pics of the website that shows the set and the time frame, 10 days. Nothing they said has been true. My bank denied my claim twice, ive asked why they can't give me an answer why. Why should I have to pay for something I did not receive, and I didn't even include what I paid for the impressions in my dispute I just want my {$290.00} and there's no reason why I shouldn't be able to get it. I talked to a supposed to be supervisor that could not answer any questions about why it was denied and then hung up on me because she was asking for new documents that i should send her, but I sent the conversations, the receipts, labels and pics of the the piece they sent to me. I dont have anything else and I feel like they arent really reviewing my documents because then they wouldn't deny it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
CASH APP I sent {$100.00} XX/XX/XXXX at XXXXXXXX XXXX  for a treadmill and the person I was sending to wanted cash so I tried to get my money back off of the app and they never sent me {$100.00} back I talked to customer representative said the money was supposed to be in my account already it was never sent back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My auto loan should have been paid off with Wells Fargo on XX/XX/XXXX when they received the funds. They didnt post the funds to the account until XX/XX/XXXX but then on XX/XX/XXXX they auto drafted nearly {$700.00} out of my account for the payment. I contacted Wells Fargo on XX/XX/XXXX, I was told that they are going to hold the money until XX/XX/XXXX or XXXX at which time they will issue a paper check as a refund further extending the amount of time that I will not receive the funds that were drafted from my account. The refused to transfer the funds electricity or to issues the check sooner.

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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally bank has withheld my money from me several times in the past. The latest occurence is that currently they have locked my account for the past week. I am overdrawn by {$34.00}, but I have {$100.00} overdraft protection that they are denying me use of. Now they have withheld my monthly social security direct deposit payment which should have been available to me two days ago, and is still being held by them. Every time I call the bank, I get a different answer as to why they keep locking my account and withholding my money from me. There seems to be no one who can answer my questions honestly. I ask for a manager each time I call, and each of them have different answers to my questions each time I call. I have complained to them over and over, and yet nothing is done to correct the situation. Now they say they are closing my account and will send me a check in 10 days, but, again, they give me no reason.

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