vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital One is in willful violation of state and federal statutes and is engaging in Common Law Fraud under Minnesota standards. In response to CFPB XXXX # XXXX, Capital One officially admitted that this account involves an " unauthorized third party. '' By their own admission, they have acknowledged that I am not the liable party and that no valid contract exists between us. Despite this, I received a billing statement on XX/XX/year>. Their actions meet the five elements of fraud in Minnesota : XXXX. False Representation : Representing a fraudulent debt as a valid personal liability via mail. XXXX. Knowledge of Falsity : Capital Ones own records confirm the account is unauthorized ; they know the representation of debt is false. XXXX. Materiality : This false claim directly impacts my credit standing and financial legal liability. XXXX. Intent to Induce : Sending statements on a closed, " unauthorized '' account is a calculated attempt to induce payment or acknowledgment of a debt I do not owe. XXXX. Injury : I have incurred significant administrative labor and time spent to correct a known error that the company has already admitted to. Statutory Violations : FDCPA 15 U.S.C. 1692e : Using deceptive representations to collect a debt they know is not mine. FDCPA 15 U.S.C. 1692c ( c ) : Failing to honor a standing Cease and Desist ( C & D ) by continuing collection contact. FCRA Violation : Because the account is closed and flagged as unauthorized, Capital One lacks a " permissible purpose '' to maintain this data or contact me regarding it. Capital One can not claim a debt is " unauthorized '' to the CFPB while simultaneously sending me collection mail. This is willful non-compliance. My government issued IDs are attached as well as proof their attempt to collect via XXXX on XX/XX/year>. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I was in a data breach someone stole my personal information and made this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. THIS IS A NEW COMPLAINT CONCERNING ATTEMPTS TO MAKE A PAYMENT AND CONTINUE ERROR MESSAGE FROM TD BANK WHO IS REFUSING TO FIX THE PROBLEM! I am filing this complaint to request an investigation into TD Bank 's payment processing system used for Nordstrom credit card accounts, which appears to be blocking or interfering with my ability to submit payments, resulting in potential late fees and penalties. Recently, TD Bank assumed responsibility for processing payments for Nordstrom credit card accounts. Since this transition, I have experienced repeated problems attempting to make a payment on my account. Specifically : The system refused to process or accept my payment attempts, preventing me from making a timely payment. I contacted TD Bank customer service multiple times and was placed on extended holds exceeding XXXX minutes. After the hold, a representative returned and claimed they could not hear me, then instructed me to call back. This effectively terminated the call without resolving the payment issue. Because the system and customer service channel failed simultaneously, I was prevented from making a lawful payment on the account. This raises serious concerns that : TD Banks system may be improperly blocking payments. The failure of both online and phone payment channels may create a situation where consumers incur late fees or penalties through no fault of their own. The conduct may constitute unfair or deceptive practices under federal consumer protection law. Requested Investigation I respectfully request that the Consumer Financial Protection Bureau investigate : Whether TD Banks payment system is blocking or delaying legitimate consumer payments. Whether customers are being improperly charged late fees or penalties due to system failures. The contractual and operational relationship between TD Bank and Nordstrom Card Services regarding payment processing and fee assessment. Whether this conduct violates federal consumer protection laws prohibiting unfair or deceptive financial practices. Requested Resolution I request that : My account be credited for any fees or penalties resulting from the inability to submit payment. TD Bank ensure that payment systems function properly and allow consumers to make payments without obstruction. The CFPB determine whether systemic issues exist affecting other consumers. Supporting Evidence Available I can provide : Call logs showing repeated attempts to contact TD Bank. Records of payment attempts. Documentation showing the timing of the system failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
When I check my credit report, I had a collection for {$12000.00} that I did not authorize I later found out that my information was part of the XXXX data breach prior to this account being open in my name. I would like to have this fraudulent account removed from my credit report at all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I requested a credit limit increase on XX/XX/year> and was denied due to too large of a cash advance balance from back in XXXX of last year. I asked why there was still a balance remaining for the cash advance portion of my debt, as it should have been payed off long ago. I was told there is no way to pay just a cash advance portion of debt, that they were considered one balance- purchase balance and cash advance balance, one balance. In essence, they are not allowing me to pay off the cash advance portion of my balance, only my credit purchase balance. And they are using this balance as the reason I can not get a higher credit limit or lower my XXXX, even considering I have never missed a payment, always pay more than the principal balance due, and my credit has improved dramatically since the time this account was opened, over XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Hometap Equity Partners, LLC
State: MN

Complaint narrative:
I had about {$300000.00} in equity in my home. I recieved {$67000.00} from Hometap. They now say I have no equity. They took it all in fees and other methods. I could lose my home. They took it all. I think I didn't fully understand what I was getting into.

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 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a written request to Nelnet asking that all eligible Direct loan groups not already enrolled in PAYE be placed into PAYE, without ending any grace period, deferment, forbearance, in-school status, or other non-repayment status early. Nelnet confirmed receipt of this request on XX/XX/year>, but for three months it has failed to process the request or provide a meaningful written response. I still have not received clear confirmation of which loan groups are enrolled in PAYE, whether the request was approved or denied, or when PAYE will take effect for the affected loan groups. I am also concerned that this delay could materially prejudice my repayment options if federal repayment-plan rules change while my request remains unprocessed, and I want that concern documented as part of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I had to apply for a new repayment plan because for some reason my payment doubled from XXXX to XXXX this year. While my application is processing, they have always deferred my payments, which is something that they say is to avoid late payments and/or default. They are not done processing my application, and have even told me to request another payment plan when I have already done that. I have been reaching out to them asking them to please do a deferment for XXXX as well because they are still processing my application, but I never get a direct answer, They reply to me telling me how to apply for a different repayment plan. They do not communicate addressing anything I am asking, they just keep sending me generic emails about how to apply for a new repayment plan. When I try to do another application I get a message they are already processing XXXX. I can not make my payment in XXXX due to the high amount and now I am up to my due date still trying to get a deferment with no response. Nelnet has been my loan servicer for quite some time. I have also tried to use an application my XXXX company gave to me, which outlines the amount they feel I should be paying based on my income and retirement survival in a few years. Again, no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: Chime Financial Inc
State: FL

Complaint narrative:
I am updating my complaint to clarify that the account ending in XXXX is a credit account subject to Regulation Z ( 12 CFR 1026.13 ). Chime has failed to resolve this billing error after XXXX attempts. Under Regulation Z, the creditor has the burden of proof to show a transaction was authorized. Chime continues to claim the merchant provided evidence of authorization, yet I am providing an email from the merchant ( XXXX XXXX dated XX/XX/year>, explicitly stating that " payment method verification for the card ending in XXXX still needs to be completed '' and that my identity is unverified. If the merchant can not verify the cardholder or the payment method, Chime can not meet its regulatory burden of proof. Chime is in violation of the billing error resolution procedures required by TILA/Regulation Z. I am requesting that the permanent credit be applied immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
RE : XXXXXXXX XXXX Card # XXXX I was buying tickets on XXXX XXXX website on XX/XX/year> and an American Expresss ( AE ) advertisement appeared on screen as I was paying. The Ad invited me to apply for an AE-Delta card and if approved, receive {$500.00} in rebate for total {$2500.00} purchases in 60 days. I applied for the card and upon approval, purchased four air tickets with this new AE card, for a total amount of {$4000.00}. The approval was confirmed without any condition attached. When I received the 1st statement ( dated XX/XX/year> ), the {$500.00} credit was not on it. I called AE customer service and was told the credit will come later. So, I paid AE {$3500.00} promptly, the entire balance less {$500.00} credit to be applied. When the next AE statement ( dated XX/XX/year> ) arrived, the credit still not applied. I called AE again and AE agent told me my card/credit was denied for unknown reasons. Therefore, I told AE agent how the card was applied and approved, registered my complaint and requested a management review and feedback. During the next 4-5 months, I called AE every time a new statement arrived because the credit was never applied, but interest and late fees started to add up. On each call, I told the same story about the cards approval, repeated my complaint and demanded review and feedback. To this date, no AE manager ever calls to review my account/complaint. Instead, AE credit department started calling in XX/XX/year> about balance pass due. I asked these callers about my multiple complaints, but no one knows anything about it and can not find any record. Now AE has sent my account to XXXX ( a collection agency ) and its people started to call and harass me. I told XXXX the same story and asked them to take me to court. My questions to AE are : 1. If the card was approved, why not the credit ( I would use my other credit cards for the tickets if there was a condition on the approval ). 2. If the card was denied, why did AE send me approval confirmation and let me charge the tickets purchase on it? An important facts to point out : American Express recently paid {$230.00} XXXX penalties to US Justice Department for deceptive practices, including misrepresenting card rewards. I think this would be an excellent example of new and repeat offences.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Monday, XX/XX/XXXX, a {$500.00} ATM withdrawal occurred in my checking account. This is fraud, as I was not the one to withdrawal the money. I received a fraud alert that afternoon. However, not too long after, someone withdrew XXXX large checks from my savings account -- one for {$7400.00} and XXXX for {$8700.00}. Immediately, I spoke with Chase customer service. The following phone numbers are the different departments managing my two fraud claims, filed and processed between the days of XXXX XXXX. On XX/XX/XXXX, I visited my local Chase branch to speak with a bank representative in person and filed a police report. The bank representative I met with closed my checking and savings accounts, and opened two new accounts for me. The rest of the money in my checking account was sent to me in the form of a cashier check, received on XX/XX/XXXX. But, I have still not received money from Chase for the {$500.00}, {$7400.00}, and {$8700.00} fraudulent withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I have no debt with Cedar, no agreement. I dont owe them any money and dont have any agreements with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: TX

Complaint narrative:
- I am a Post-Class Applicant in the XXXX XXXX XXXXXXXX settlement. - My borrower defense case # is XXXX. - My application is dated XX/XX/XXXX and was technically submitted on XX/XX/XXXX. - I attended XXXX XXXX XXXX XXXX XXXX XXXX in the XXXXXXXX XXXX XXXXXXXX Settlement Agreement. - The Department of Education missed the court-ordered adjudication deadline of XX/XX/XXXX for " post-class '' borrowers, triggering automatic loan discharge and repayment per Section IV.C.4 of the XXXX XXXX XXXX settlement. - On XX/XX/XXXX, XXXX XXXX denied the Department 's request for an extension. - Despite three formal emails sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX, the Department has failed to process my mandatory Full Settlement and repayment Relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I made a federal tax payment through XXXX using a credit card issued by Chase. The payment was processed by XXXX XXXX XXXX and included two charges made at the same time : a service fee of XXXX and a tax payment of XXXX. At the time of payment, the credit card issuer displayed both transactions with a transaction date of XX/XX/XXXX in the account activity. I captured a screenshot from the issuer account showing the XXXX XXXX XXXX transaction dated XX/XX/XXXX. XXXX activity records also show the same payment dated XX/XX/XXXX. The service fee posted on XX/XX/XXXX and received the 5 percent bonus reward for the quarterly category. The XXXX tax payment later posted as XX/XX/XXXX and the issuer denied the 5 percent reward. When viewing the transaction details now, the issuer system shows the transaction date and posted date as XX/XX/XXXX. This differs from the transaction date that was displayed to me at the time of purchase. I have a screenshot from the issuer showing the XXXX transaction dated XX/XX/XXXX before it was later changed. I relied on the transaction date displayed by the issuer and XXXX when making the payment. The change from the originally displayed transaction date of XX/XX/XXXX to XX/XX/XXXX resulted in the denial of the advertised 5 percent reward even though the payment was made on XX/XX/XXXX and both charges were part of the same transaction. I contacted Chase and provided documentation including screenshots and XXXX records showing the XX/XX/XXXX transaction date. The issuer declined to adjust the reward and stated the purchase posted XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year> my account was hacked or something the first transaction was them sending money to there self I immediately reported to cashapp when I seen it my account was locked and even i was unable to withdraw the rest of my money then after I went back to work from my break and 20 minutes later cashapp unlocked my account and they proceed to buy bitcoin and immediately sell it and withdraw the money in total is lost {$5300.00} dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This is a copy of the letter I have sent to them on several occasions. I am writing to formally dispute the debt your office has attempted to collect from me for more than sixteen months. This alleged debt is not mine. I owe nothing, and I have repeatedly informed you of this. The situation stems from fraudulent activity involving the property manager, XXXX XXXX, who was running a scam at the time. I was not responsible for any charges created through her misconduct, and I have no legal or financial obligation for the debt you are attempting to collect. Your continued attempts to contact me about a debt that does not belong to me constitute harassment and are a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am demanding the following : Immediate cessation of all collection attempts, including phone calls, letters, emails, or any other form of communication. Written confirmation that your office has closed this matter and removed my information from any collection activity. If this harassment continues, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Attorney General, and any other relevant regulatory agencies. I will also consider seeking legal counsel to protect my rights. I expect written confirmation within 14 days that this matter has been resolved and that all collection activity has ceased. I never received anything. Kimball Tirey & St. John at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and their XXXX XXXX location has harassed me via letters soooooo much after knowing this debt is not mine. I have had to buy another phone for new business moving forward with a new number because so many of my business contacts have my previous number and changing it would interfere with work. This has to stop. It is affecting my mental health, and this law firm are known for scamming.

Company response to consumer: Closed with explanation