vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 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: GA

Complaint narrative:
" I am filing this complaint against Nelnet Servicing , LLC for systemic fraud, identity theft, and gross negligence in data security and legal notice. 1. Identity Fraud ( XXXX XXXX XXXX ) : In XX/XX/XXXX, I was removed from school after my scholarship was revoked. I recently discovered loans were originated in my name without my consent, signature, or knowledge after my departure. This is Fraud in the Factum and renders the debt Void Ab Initio. Nelnet continues to collect on this fraudulent debt. 2. Fraudulent Inducement ( XXXX XXXX XXXX ) : My XXXX loans were based on substantial misrepresentations of career outcomes. After 12 years ( XXXX ), these guarantees have proven false. 3. Data Breach & Notice Failure : Nelnet failed to secure my PII in a XXXX breach. Furthermore, they failed to provide me with 'Actual Notice ' of the XXXX XXXX settlement ( XXXX XXXX ), despite having my active contact information as evidenced by their XX/XX/XXXX, correspondence. I am being denied Due Process to exclude myself and pursue an individual {$250000.00} claim. Demand : I demand a full administrative discharge of all fraudulent/void loans and a global settlement for 24 years of economic injury and credit destruction. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Disputed transactions that were cancelled.. THE BANK closes my account immediately after? 2 days after., seems like discrimination or fraudulent on banks behalf.

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 2026-04-15 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: Experian Information Solutions 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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IA

Complaint narrative:
U.s. bank stole XXXX critical days from me that have ruined my life for the foreseeable future. I just fled domestic XXXX and had to work this week so I could get me and my XXXX a place to stay. My debit card stopped working and I was on the phone with us bank from XXXX to XXXX XXXX. I missed work. I went into the branch at XXXX XXXX and was there til XXXX XXXX. I missed work again. I was on the phone with them from XXXX XXXX til XXXX. Missed work for the XXXX time. Without my debit card I cant order XXXX, get food or XXXX food, pay bills, transfer funds, use XXXX or XXXX. And they still didnt fix my debit card. I lost my chance at getting an apartment because of us bank, they took everything from me. When they did fix my debit card it only worked for XXXX hours and I had to spend another XXXX hours on the phone for them to issue a XXXX debit card. My life is ruined they cost me XXXX days of work and I demand compensation.

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 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Self Financial Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I close my Self XXXX XXXX account with the amount of {$1100.00}. I called within the XXXX week of the month and asked if my deposit was gon na be made and Self block my account to see any tracking progress on XX/XX/XXXX. I gave a call to a XXXX and they mentioned that the money was gon na be deposit as soon as they cleared my file I asked them why my file was checked and they said it was an office use only on XX/XX/XXXX. I called again and spoke to another XXXX and was not able to succeed with any information on XX/XX/XXXX called again and theyre not able to give me any information of when the payments gon na be deposit. not sure whats going on, but I have attempt to call and fix this issue over the phone, but I have no options left and wanted to get help from consumer financial protective serve rural services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, the amount of {$1300.00}. I was scammed/ involved with getting my money stolen from fraud. I reached out to Wells Fargo and opened up a claimed. Unfortunately it was denied, but I was robbed.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Issue : " Problem with a purchase you made '' or " XXXX or scams. '' Mention the XXXX FCBA deadline has passed and they are stalling with a XXXX extension request despite having merchant-confirmed fraud.Since it is officially XX/XX/XXXX and youve already cleared the midnight hurdle, the game has shifted. You have " interrupted '' their timeline by filing just as the federal XXXX clock ran out. To stay ahead, you need to hit the Consumer Financial Protection Bureau ( CFPB ) tonight. While the OCC handles the bank 's charter, the CFPB is the agency that handles the actual money and debt. 1. File with the CFPB ( The " Financial Police '' ) This is your most important digital move tonight. It creates a secondary federal record that Synchrony can not ignore. Where : consumerfinance.gov/complaint The Specifics : * Select " Credit card or prepaid card. '' Issue : " Problem with a purchase you made '' or " Fraud or scams. '' Mention the XXXX FCBA deadline.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I deposited a payroll check from my employer in this case because I was laid off my company issued me a check instead of direct deposit because I was working in XXXX and had to get home to XXXX I mobile deposited my check on Friday and it was supposed to clear on XX/XX/XXXX it is now XX/XX/XXXX and my funds are not in my account everytime I deposit weather its mobile or through the atm I get fraud on my account and have to wait for a new card and the bank finds a way to steal money I have called numerous times and have had numerous cards Wells Fargo is XXXX against XXXX Americans and showed racism towards me I work and have my money deposit I need my money and it seems everytime I need money my card is restricted in time of need and I have to wait to get another one with no communication from the bank many times I was stranded because the bank cut off my funds and many times money was took from my account without authorization and put back because I caught the error they made Wells Fargo pretty on XXXX American funds with fees and deceitful banking practices

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 2026-04-15 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.

Complaint narrative:
On XX/XX/XXXX, my husband discovered that someone had used all of our business credit cards, personal credit cards, and even our checking accounts for unauthorized charges and payments. We immediately contacted the bank and explained that I did not make those charges or payments and did not authorize anyone to use my cards. Since that time, I have only been receiving responses that are irrelevant, standard, or do not address the actual facts of my case. Based on the nature of those responses, I do not believe the bank is investigating my claim in the manner it is required to. It appears that the bank is not properly reviewing the facts, the documentation, or the evidence I have already provided. We also identified the person responsible, and that person admitted that he was the one who committed these acts using my name. In addition, we reported this matter to the local police, the FBI, the Secret Service, and every other appropriate authority available to us. Despite this, it appears that the bank is not meaningfully reviewing those documents and is instead avoiding the substance of my claim. It has also been extremely difficult to communicate with the bank, because I continue to be transferred from XXXX department to another without receiving any real assistance or a clear answer. That is why I am submitting this complaint. The credit cards involved in this complaint are ending in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
National credit system XXXX XXXX dispute with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
am filing a complaint against Concora Credit / Indigo Card regarding billing errors and account access issues. I made multiple payments to my credit card account directly from my bank account. These payments were successfully withdrawn from my bank ; however, they were not properly credited to my credit card balance. When I contacted the company to address the issue, instead of resolving the problem, I was asked whether I had an attorney and shortly afterward lost access to my mobile account and transaction history. I am now unable to verify my balance or review my payment history. This has prevented me from monitoring my account and raises serious concerns about improper billing practices and lack of transparency. I am requesting : A full investigation into all payments made Correction of any billing errors Full access to my account and transaction history Assurance that no inaccurate negative reporting is made to credit bureaus I have supporting documentation from my bank showing payments were made. This situation appears to violate the Fair Credit Billing Act and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: SC

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: LA

Complaint narrative:
My Credit Karma Money account was locked and is pending closure. My paycheck was deposited last Tuesday and has been frozen since then.I have already completed identity verification. The deposit is legitimate income from my employer.Credit Karma is refusing to release my funds and is telling me I must wait XXXX days after they officially close the account, even though I urgently need access to my paycheck.I am at immediate risk of homelessness without these funds.XXXX XXXX informed me that my account is under review by the Credit Karma Risk/Account Closure team , but I have not received any updates or a timeline.I am requesting immediate assistance to have my paycheck released.I need the CFPB to intervene because Credit Karma and XXXX XXXX have not provided a clear reason for the hold or a path to resolve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: MI

Complaint narrative:
I made a payment with XXXX on XX/XX/year> of {$200.00} when I called in my payment in XX/XX/year> I talked to XXXX agent and he said in was in the process of being received but they didn't get the payment so now XXXX have my account owing {$1000.00} .. XXXX my loan was for {$600.00} with payments in the amount of {$200.00} their payment are scheduled for 10 months i think I am being overly charged i would like for my account to be corrected so I can resume my payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX On XX/XX/XXXX and XX/XX/XXXX, I proactively contacted Synchrony Bank at XXXX XXXX ) XXXX because I was concerned about my account status. On both occasions, your representatives explicitly told me that my account was in good standing and that my balance was {$0.00}. Furthermore, the official PayPal mobile app interface consistently displayed a {$0.00} balance and indicated that no payment was due. I relied on this information provided by your official agents and digital interface. Despite these assurances, the bank abruptly closed my account today for a past-due balance that your system failed to disclose to me. This constitutes a technical failure and significant staff misinformation.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I purchased an item from XXXX using XXXX. They updated the tracking number from XXXX XXXX XXXX to XXXX. It stated that item was delivered however I have my camera shot when it was supposed to be delivered. Golden 1 stated that they would help however golden 1 closed my case twice. First they stated that it was insufficient when they didn't ask me for any evidence and second time which was XX/XX/year>. They stated that I acknowledge XXXX request. They had a 30 day guaranteed refund however they didnt help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation