vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
EdFinancial told me IN WRITING that late payment marks can be removed if I was receiving public assistance during the delinquency period. I WAS receiving public assistance ( SNAP/food stamps ) for the ENTIRE delinquency period. I have proof. Instead of processing my legitimate request, EdFinancial sent me a FRAUD FORM which is completely wrong. I am NOT claiming fraud. These are my legitimate student loans. I am disputing the ACCURACY of the credit reporting based on EdFinancial 's OWN STATED POLICY. 

BACKGROUND I have federal student loans serviced by EdFinancial EdFinancial reported me as 90 days delinquent in XX/XX/XXXX My deferment was approved on XX/XX/XXXX, retroactive to XX/XX/XXXX I filed a complaint with the FSA Ombudsman EDFINANCIAL 'S OWN POLICY ( FROM THEIR WRITTEN RESPONSE ) : " Negative credit reporting may be removed if, during the period of delinquency, you were eligible for an Economic Hardship Deferment ( receiving public assistance... ). '' I QUALIFY UNDER THEIR POLICY : I have been receiving SNAP benefits ( food stamps ) continuously for approximately TWO YEARS SNAP is a federal public assistance program administered by the USDA SNAP qualifies borrowers for Economic Hardship Deferment under 34 C.F.R. 682.210 ( s ) ( 6 ) My SNAP benefits FULLY COVER the delinquency period ( XX/XX/XXXX XX/XX/XXXX ) THE PROBLEM : Instead of processing my request under their public assistance policy, EdFinancial sent me a FRAUD FORM. This is completely wrong. I am NOT claiming these loans are fraudulent. I am NOT claiming someone else opened these accounts. These ARE my legitimate student loans. I am ONLY disputing the accuracy of the late payment marks based on EdFinancial 's own policy that public assistance recipients qualify for removal. 

I called EdFinancial on Monday, XX/XX/XXXX to clarify that this is NOT a fraud claim and to cancel the fraud form. I also sent a written clarification letter via certified mail. 

ADDITIONAL ISSUE BUREAU DISCREPANCY : EdFinancial stated in writing that the ONLY delinquency is " XXXX XXXX 90 Days Delinquent. '' However, XXXX  is reporting a 90-day late mark in XX/XX/XXXX a FULL YEAR before the only delinquency EdFinancial acknowledges. This proves inaccurate furnishing. 

DOCUMENTATION ENCLOSED : Illinois DHS SNAP Benefits Verification Letter SNAP Benefit Payment History showing coverage for XXXX XXXX Copy of EdFinancial 's letter stating public assistance qualifies for removal Copy of my government-issued ID

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Starmark Financial LLC
State: NC

Complaint narrative:
XXXX XXXX, an agent with Starmark Financial, threatened me and was very rude to me because my monthly payment declined. I was not able to work due to a severe snow storm, I did not have the money to pay him on time. I did make my payment but only after he threatened me. He said he was on a recorded line but after we talked and resolved the issue he called me back from a different number and threatened me with financial ruin if I did not comply with his demands. He is rude and abusive and I want him disciplined.

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 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ZWICKER & ASSOCIATES
State: NC

Complaint narrative:
XXXX XXXX, an agent for Zwicker & Associates calls me constantly demanding money. He is polite when he calls at first. He says that he is on a recorded line. After we speak he calls me back from a different number and threatens me with financial ruin if I do not pay him. He called me a loser and said that its my fault that Im in this situation. Then he said that I probably come from an entire family of losers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: OR

Complaint narrative:
I've already submitted a previous complaint against this bank for the same issue. The bank is again refusing to send me a replacement debit card, after the address on my account was changed without my knowledge.

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 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Original Creditor : XXXX XXXX Bank XXXX. - Closed account as [ PAID OFF ] Debt amount : {$1100.00} 1099C Received : [ NO ] Account Purchaser : XXXX XXXX XXXX LVNV FUNDING LLC Debt amount : {$1100.00} Validation Letter : [ NO ] Copy Of Original Contract : [ NO ] Contract showing I owe " XXXX XXXX XXXX LVNV FUNDING LLC '' [ NO ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
Shepherd outsourcing XXXX there are no signatures on any documents of alleged debt using my drivers license is not identification because I used the company in the past, the signature on document is not my name, the alleged account was charged off there fore no 1099 was sent and according to the IRS it is income, the alleged contract was broken when the alleged arbitration was broken cease and desist until all information is received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland management says I owe XXXX dollars. It was removed off other credit boroughs but not experian. For one this is really old. For two I dont owe what they said and so it was removed by others and I want it off XXXX  as well so its off my credit all together as its messing me up!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: PR

Complaint narrative:
CFPB XXXX Complaint Narrative Date : XX/XX/XXXX Subject : Complaint Against Citibank , N.A . Macys  XXXX XXXX Account ( Ending XXXX ) I am submitting this complaint against Citibank, XXXX, XXXX of the Macys  XXXX XXXX account ending in XXXX. 

The account was unilaterally closed by the creditor in XX/XX/XXXX despite being current at that time. The account had been open since XXXX and maintained in good standing prior to the closure. 

After the account was closed, Citibank continued to assess interest charges, late fees, and initiated repeated collection calls. These charges and collection activities occurred after the creditor terminated the account relationship. 

I dispute all interest, late fees, and penalties applied after the account closure, as they were not the result of willful nonpayment. I made good-faith attempts to resolve this matter by proposing a reasonable settlement, but the alternatives offered were not honored. 

I respectfully request that the Consumer Financial Protection Bureau review the legality of the account closure, the continued assessment of post-closure fees and interest, and assist in facilitating a fair resolution limited to the legitimate balance owed. 

Supporting documentation, including account statements and the account closure notice, is attached. 
Sincerely XXXX Phone XXXX XXXXXXXX

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 2026-02-08 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: WI

Complaint narrative:
This is in reference of case number XXXX Anytime I send money or get money I always get notified but these particular transactions no notifications. I just happened to just go my history and found them. 
So they are telling me since I found them in my history. It is my fault therefore they closed my account. Seems to me like it's a scam with cash app working together. If you don't catch it, they let it continue. When you complain they close your account, and denied all the claims. But when I have you all look into it. Stay safe my complaint it's still open and working on it, so out of the {$1000.00} put {$100.00} back and say it is closed again with all complaints being denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
On Sunday, XX/XX/year>, at approximately XXXX XXXX, I went to pick up a {$2500.00} Western Union cash transfer at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX. 

The XXXX XXXX counter employee initially told me they could not pay the transfer because it was still morning and they did not have enough cash on hand. I asked for some type of written confirmation that the pickup was not completed at that time, because I had already provided the pickup name and transaction information and wanted documentation before returning later. No written confirmation was provided. 

I asked for a supervisor. After the supervisor arrived and was present observing, the same counter employee ( not a different person ) then required me to provide my Social Security number verbally and my occupation. This SSN request was not made at the beginning and only came up after the situation escalated.

The employee did not provide any secure/private method for SSN entry. I was not given a form to write it down, and I was not offered a way to enter it directly myself on a keypad/keyboard. I was required to say my SSN out loud at the counter in a public retail environment, which created a serious privacy and identity-theft risk. The supervisor did not correct the process or provide a private/secure method while present. 

I ultimately did receive the funds, but I am concerned that my SSN was collected in an unsafe manner, inconsistently, and without clear necessity for a {$2500.00} pickup. 

Transaction info : Amount : {$2500.00} XXXX : XXXX Location : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX Date/Time : XX/XX/year> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I never took out a loan with this company. I am not sure what this debt is that is being reported to a collector. I never signed or authorized a loan from this company. I ask that this account please be removed from my credit report as I am a victim of identity left.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hunter Warfield , Inc. is reporting a debt that I do not legally owe. 

A lease amendment confirms that I moved out of the residence, and the charges being reported were incurred after my move-out date. The amendment indicates that the moved out designation is checked and states that signatures are not required once a resident has moved out. 

Despite documentation showing that I am not responsible for these charges, Hunter Warfield reported this account to the credit bureaus on XX/XX/2024 in the amount of {$2900.00}. 

I have disputed this debt and requested validation. Reporting a debt without establishing legal responsibility constitutes inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
This correspondence constitutes formal notice that FirstPoint Collection Resources has unlawfully obtained, accessed, and/or used my consumer report without permissible purpose or authorization, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I have never provided your company with written, verbal, or implied authorization to access my consumer credit file. As such, your actions constitute a willful violation of 15 U.S.C. 1681b, which strictly limits the circumstances under which a consumer report may be obtained. No such circumstance applies here.

Additionally, pursuant to 15 U.S.C. 1681c-2, any information resulting from an identity misuse, unauthorized access, or lack of lawful purpose is required to be blocked and deleted immediately. Your continued reporting, collection activity, or verification of this account after receipt of this notice will be considered knowing and intentional noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is not my account it needs to be removed immediately opensky I told them I did not open this account I tried fixing it its not fixed yet remove this account immediately

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 non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I presented a valid California springing durable power of attorney that was executed and notarized while the principal had capacity, along with physician documentation confirming the principals current incapacity, at a Bank of America branch in XXXX XXXX, CA. The branch refused to accept the power of attorney, stating that the notarization did not have a notary block, despite the document containing a complete California notary acknowledgment with seal and commission. 

The branch cited a preference for a boxed notary block format and showed me a sample California notary certificate template. I requested that the POA be submitted for compliance/legal review and that the bank provide a written basis for any refusal. The branch declined to provide a written refusal and stated they could not share the applicable policy. The refusal is preventing access to funds needed for essential expenses. 

I am requesting that Bank of America conduct a compliance/legal review and either accept the valid POA for account access or provide a written, specific basis for refusal by the banks XXXX  department . I have attached branch notes documenting dates, personnel, and the reasons given for refusal.

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 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a * * formal Cease and Desist request * * regarding ongoing debt collection activity related to the account referenced below. 

Pursuant to my rights under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) * *, as well as applicable * * Georgia consumer protection laws * *, I hereby demand that * * all communication and collection activity cease immediately * *. 

Despite this notice, I continue to receive communications that I believe are * * harassing, misleading, unauthorized, inaccurate, and/or unsupported by proper validation * *, in violation of federal and state law, including but not limited to : * * * FDCPA, 15 U.S.C. 1692d, 1692e, and 1692f * *, prohibiting harassment, false or misleading representations, and unfair collection practices ; and * * * Georgia Fair Business Practices Act ( GFBPA ), O.C.G.A. 10-1-390 et seq. * *, which prohibits unfair or deceptive acts or practices in consumer transactions.

Effective immediately, I request the following : 1. * * All communication with me must cease * *, including phone calls, text messages, emails, letters, and any third-party contact.

2. * * Written validation of the alleged debt * *, including : * The name of the original creditor * The full account number * The amount claimed * Documentation establishing your legal authority to collect 3. * * Immediate cessation and correction of any inaccurate or unverified credit reporting * * pursuant to the Fair Credit Reporting Act ( FCRA ) and applicable Georgia law.

4. * * Written confirmation * * that this cease-and-desist request has been received and complied with.

This letter is * * not an admission of liability * *, nor an acknowledgment that the alleged debt is valid.

Failure to comply may result in * * additional complaints to state and federal regulators and pursuit of all remedies available under federal and Georgia law * *, including statutory damages where applicable. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: IA

Complaint narrative:
I am currently enrolled in the Save plan, interest is accruing however no payment is due until 2028. I have been making interest payments + additional sum to bring down the balance. Nelnet posts on their website that any payment made will go to interest first, then balance. This has not been the case. My payments have not paid down the interest and therefore it has continued to grow. I called and asked for resolution of this and was told I would need to call every time I make a payment to ensure the money is allocated to interest first. I asked if this could be resolved and why information posted online contradicts what is happening and did not get an answer or attempt to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am filing this complaint regarding an unauthorized electronic funds transfer that has not been resolved despite being properly and promptly disputed. 

On XX/XX/year>, a transaction in the amount of {$600.00} was processed through XXXX via XXXX XXXX from my account. I did not authorize this transaction, did not initiate it, and did not receive any goods, services, or benefit from it. Upon discovering the charge, I immediately reported it and filed a formal dispute with the company. The dispute reference number is XXXX XXXXXXXX, and the status remains listed as in progress. 

Although I complied with all dispute procedures and provided the required information, the company has failed to resolve this matter in a timely manner. I have not received provisional credit, a clear explanation of the investigation process, or a definitive resolution timeline. The lack of meaningful communication and delay in handling this unauthorized transaction is concerning. 

Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, consumers are entitled to protection against unauthorized electronic fund transfers. Financial institutions are required to conduct prompt investigations and provide provisional credit when disputes are not resolved within the prescribed time limits. The continued delay suggests a failure to meet these regulatory obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: MO

Complaint narrative:
I recently found out about the XXXX  and XXXX data breach so I filled out information & realized I was impacted so I decided to order a copy of my credit report on XXXX  and realized ( 4 ) fraudulent accounts on my XXXX, ( 4 ) fraudulent accounts on my XXXX  & ( 5 ) fraudulent accounts on my XXXX  reporting that I didn't open nor belong to me & is a obvious result of identity theft ... the perpetrator also applied with multiple names and addresses that I never associated with the only name and address that I associate with Is XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX mo, XXXX! There's a lot of inconsistent information reporting on my credit file. 
The accounts that needs 2 be removed or deleted are : XXXX  : ( 1. ) lead  bank, ( 2. ) XXXX XXXX bank , ( 3. ) the XXXX XXXX XXXX ( 4. ) XXXX XXXX, ( 5. ) XXXX XXXX XXXX 

XXXX  : ( 1. ) XXXX XXXX XXXX ( 2. ) XXXX XXXX XXXX bank, ( 3. ) self financial lead bank, ( 4. ) XXXX  XXXX XXXX, XXXX  : ( 1. ) XXXX XXXX  company, ( 2. ) XXXX XXXX XXXX bank, ( 3. ) self financial lead bank, ( 4. ) XXXX XXXX  XXXX

Company response to consumer: Closed with explanation