vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have provided evidence that these loans were not authorized by me, I did not sign for these loans and provided a police report stating this. I have submitted packets of information to NELNET disputing these loans several times and placed alerts on my credit reports. NELNET keeps sending form letters asking for the same information every time I am in contact with them. I have called them several times and the last time I talked to " XXXX '' and she told me the documents were illegible stating pages 8,9,11 and others could not be read. I told " XXXX '' the packets with the information were clear and I asked her if the documents were scanned by NELNET and she told they were so the problem is on their side not mine. The last evidence I submitted were Text messages between my ex wife and myself about these loans that clearly show these loans are not mine but were put in my name by my ex wife and daughter without my knowledge. These loans were taken out in XXXX and XXXX when I was in the process of a divorce and my EX and daughter put the loans in my name without my consent and knowledge. All of this information was provided to NELNET and it seems the organization does nothing but stall and send me conflicting letters as to the disposition of the loans along with conflicting date of when " payments " are due!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Coinbase, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX of XXXX I was locked out of my Coinbase account. I have a case number started but after 90 days, Coinbase has no explanation to why they locked the account. Im still unable to access XXXX of XXXX of dollars for over 90 days. Ive called customer support, Ive gone online, after 90 days there is no explanation oas to why coinbase locked my account. I can not access my hard earned money. Its not right! The Coinbase user agreement is vague and essentially they can lock down your account, Take your money, and give you no explanation for an extended period of time. I seem to be in that situation. I email them every day and the responses I get are vague, ambiguous and dont go anywhere. Id like to get my money back but more importantly Id like to raise awareness as to the risks of putting your money on Coinbase. Coinbase can steal your money and tell you nothing. People need to know that. Ive started on Coinbase in XX/XX/XXXX. I never had an issue signing in until XX/XX/XXXX of XXXX. Ive now been locked out for over 90 days with no explanation. I worked hard for that money and I could use it to provide for my family. But Coinbase has locked me out of the account. Coinbase also debited my account {$300.00} to charge me for the account that they have locked me out of, which was extremely frustrating. Can someone help me? What action can I take to get my money back from Coinbase?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I am filing a formal complaint regarding an unresolved issue with my Credit Karma Money account involving a returned transaction that continues to show as pending, despite the merchant already releasing the funds. On XX/XX/year>, I made a purchase through XXXX XXXX using my XXXX XXXX debit card. The transaction was returned the same day, and the merchant has confirmed that the funds were released back to my account. However, as of today, the transaction is still listed as pending, and the funds have not been made available to me. I have contacted customer support multiple times and have been told that this delay is due to the system, with no clear explanation, timeline, or resolution provided. This response is insufficient given the circumstances, especially considering : The merchant has already completed their part by releasing the funds The amount is significant and urgently needed No provisional credit has been issued while the matter remains unresolved XXXX XXXX advertises timely processing and access to funds once merchants release transactions. The current situation contradicts those expectations and has caused financial inconvenience. I am requesting the following : 1. Immediate release of the pending funds back into my account 2. A clear explanation of why the funds are being held despite merchant release 3. Review of my account for eligibility for provisional credit during this delay 4. Improved transparency regarding pending transaction timelines going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I Asked for the total loan amount on the car in which he stated XXXX but it was XXXX he stated the car was repossessed and thats a lie it was at the shop ( XXXX ) because it had a blown engine in which I had a warranty on it so the insurance company paid it off in full the account shows it was closed on XX/XX/XXXX then re opened by ncb management on XX/XX/XXXX why wait 2 years to put it on my credit? This is incorrect debt its already been resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
My Cash App account was compromised and accessed without my authorization while it was locked. I did not approve or initiate the transactions that removed my funds. This is an unauthorized electronic funds transfer and I am requesting an immediate fraud investigation and reimbursement. Please review : Login activity ( IP address and device access ) Any changes made to my account security The transactions in question I did not give permission to anyone to access my account, and I was unable to access it myself at the time. This situation is causing immediate financial harm, including risk of eviction and repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Deletion from Credit Report : To Remove Account To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. The reason these items should be deleted are indicated below. Item/Account Info or # as listed on Report : Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information please contact me at :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi started to charge a $ XXXX monthly fee for their credit card without notification. they have charged this twice and i requested a refund and closure of the account. They refused to issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: TN

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I received a phone call that appeared to come from Navy Federal Credit Union. This number was saved in my phone as my banks official contact. The caller identified themselves as a representative from the fraud department and followed what I recognized as standard bank procedures. They were able to accurately reference my account information, including my account balance, without me providing it. Based on the caller ID and the information they had, I reasonably believed I was speaking with my bank. I was informed that my account had been compromised and that a fraudulent loan had been initiated through XXXX XXXX. I was told immediate action was required to protect my funds and prevent damage to my credit. While acting under this belief, I followed the callers instructions, which resulted in {$1600.00} being transferred from my checking account through XXXX XXXX. I now understand that this was a sophisticated impersonation scam involving caller ID spoofing and social engineering. My actions were taken under false pretenses, based on the belief that I was securing my account. I did not knowingly authorize a legitimate transfer to another individual. Immediately after the call ended, I became suspicious when I did not receive a follow-up call. I then contacted Navy Federal Credit Union directly using my saved contact number and was informed that they had not contacted me and that I had been the victim of a scam. I reported the incident immediately and worked with their fraud department to secure my account and file a claim. I also filed a claim with XXXX XXXX. Despite these circumstances, Navy Federal denied my claim twice, stating that I authorized or participated in the activity. This conclusion does not take into account that my authorization was obtained through impersonation, deception, and social engineering. I am requesting that this matter be reviewed again as a case of fraud. The transaction was not a legitimate or informed authorization, but one induced by a third party posing as my financial institution. Given the use of caller ID spoofing, the fraudsters access to accurate account information, and my immediate reporting of the incident, I believe this situation warrants reconsideration and reimbursement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Denefits LLC
State: TX

Complaint narrative:
I entered a payment plan around XX/XX/year> for services from XXXX XXXX XXXX, which included direct mentorship and program access. I did not receive the promised mentorship and made multiple attempts to get help. My access was later removed, preventing me from using the services. I informed Denefits and was told to contact the provider, but I have been unable to reach them. Despite this, Denefits continues to attempt to collect payment. I dispute this debt because services were not delivered and access was revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding a misapplied payment and the lack of resolution despite multiple attempts to address this matter. My account associated with the XXXXWells Fargo partnership was closed in XXXX following the dissolution of the partnership, with a XXXX balance at the time of closure. On XX/XX/XXXX, I made a payment of {$12000.00} to XXXX XXXX intended for this account. After noticing that the payment had not been properly credited or returned, I contacted XXXX multiple times and was initially advised to wait a few days. On XX/XX/XXXX, I contacted both XXXX and Wells Fargo. Wells Fargo acknowledged seeing a transaction but could not confirm the amount. Around XX/XX/XXXX, I was informed that refund checks would be issued within XXXX business days. However, as of today, I have not received any refund. Since then, I have made numerous calls to Wells Fargo and have been transferred across multiple departments ( at least XXXX ), each indicating they could not assist and redirecting me to a case XXXX. I received a letter from Wells Fargo dated XX/XX/XXXX stating that additional time was needed to research the issue. Given that the account was closed with a XXXX balance, it is unclear what further research is required or why this matter remains unresolved. Additionally, I have been unable to speak directly with the assigned case XXXX despite repeated requests. I am consistently told they are unavailable, with varying explanations ( in meetings, at lunch, or away from their desk ), and no follow-up has been provided. I also want to note that Wells Fargo appears to have changed my closed account number from ending in XXXX to XXXX without explanation, which raises further concerns regarding account handling and record accuracy. As of now, the total amount owed to me is {$13000.00}. This issue has been ongoing for over a month, involving a significant sum of money, with no clear communication, resolution, or accountability.

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 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: FL

Complaint narrative:
I am filing this complaint against Balanced Healthcare Receivables for failing to provide legally required debt validation for an alleged medical debt of {$1200.00}. I spoke with company representatives on XX/XX/XXXX and XX/XX/XXXX, requesting an itemized bill to verify the legitimacy of these charges. During these calls, I was told I must wait 45 days to receive a copy of the bill. This delay is a direct violation of my right to a timely debt validation under the FDCPA ( 15 U.S.C. 1692g ). The only information accessible to me is a generic online account summary ( Account # XXXX ) that shows a balance but lacks any itemization, dates of service, or the name of the original creditor. Although the company claims to have sent an email on XX/XX/XXXX, I never received it. They have repeatedly refused to re-send this documentation to my verified email address, instead insisting on an arbitrary 45-day waiting period while continuing to provide options to pay the unverified balance online. Furthermore, this medical debt is less than 365 days old. Under current credit reporting standards, medical collections under one year old should not be reported. I am concerned the company is withholding information to pressure me into paying a debt I can not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX, account XXXX XXXXXXXX has been reported on my credit report claiming a debt I do not owe. I provided the leasing company, XXXX at the XXXX, a notice that I was moving out within the time allowed. The management group in accounting said the notice was not adequate per the lease, so I called the leasing office to resolve it and they stated they would handle it with accounting. I never got a call back or any other invoices until the collection notice 198 days after my face to face with the leasing office. I paid my early termination as instructed by the leasing office of {$1000.00} dollars and my final invoice of {$61.00} no additional charges when I left and gave them my keys. I called the leasing office 2 times after that and they never returned my call. It is my understanding that the management group and the manager that authorized my move out left the company. I assumed it was resolved. I got a number of emails confirming from the apartment acknowledging my move out from the complex. I have attempted numerous times to dispute the account and even disputed it directly with the collection company. XXXX removed the account as it could not be verified, however Equifax and XXXX XXXX have ignored my attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
I am filing a complaint against KeyBank regarding their handling of a dispute involving merchandise that I paid for but never received. I purchased a motor for my vehicle from XXXX XXXX XXXX located in XXXX, New York. After waiting over one month, I never received the item. Because the merchandise was not delivered, I filed a dispute with KeyBank. During the dispute process, the merchant provided documentation claiming that the item had been picked up. This statement is inaccurate. I submitted documentation to KeyBank showing that I did not sign for or pick up any merchandise. Despite this, KeyBank denied my claim and stated that they did not make an error in releasing payment to the merchant and that the matter was no longer their responsibility. They instructed me to resolve the issue directly with the merchant. I attempted to resolve the issue with the merchant. I contacted them and also went to the business location in person. A manager stated that they could not issue a refund and that only the owner could authorize one. When I requested to speak with the owner, I was told he was on vacation. The manager refused to provide contact information for the owner, leaving me with no way to resolve the matter. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ), financial institutions are required to conduct a reasonable investigation of disputes and correct errors when consumers do not receive goods or services as agreed. KeyBank appears to have relied solely on the merchants unsupported claim and failed to properly consider the documentation I provided showing that I did not receive the merchandise. This does not appear to meet the requirement for a good-faith, reasonable investigation. Additionally, the transaction qualifies as a billing error involving goods not received. I did not authorize release of funds for merchandise that was never delivered or picked up. By denying the claim without adequately reviewing the evidence, KeyBank failed to provide the consumer protections required under federal law. I am requesting that KeyBank : Reopen the dispute Conduct a reasonable and good-faith investigation Review the documentation showing I did not receive the item Provide a refund for the transaction Provide documentation explaining the basis of their decision

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
When I opened the CitiBank portal to make my monthly payment it showed a remaining balance of {$61.00}. I paid that amount in full. XXXX then showed my new balance once payment was processed would be {$0.00}. I logged onto the portal today, XX/XX/XXXX and saw a new balance of {$5.00}. When I phoned to ask why, I was told it was accrued/unpaid interest. But if the {$5.00} was truly added interest, my XXXX payment would have been {$67.00} and I would have paid that amount instead. By hiding the {$5.00}, I would not have even opened the CitiBank portal to make a payment, because the balance as far as I knew was {$0.00}. This would have resulted in a late fee and negative reporting to credit agencies. This smells like a trap, so I'm reporting it as fraud.

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 2026-04-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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