vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
On XX/XX/year>, I discovered a charge to my XXXX credit card that I was unaware of. I logged into my Pay Pal account and discovered a XX/XX/XXXX {$700.00} money transfer to an XXXX XXXX XXXX, Transaction ID : XXXX. I was unaware of and did not authorize this {$700.00} money transfer, plus a {$20.00} fee. As a result of this unauthorized charge, my credit card charged me an additional {$36.00} for an advanced transaction fee, plus {$1.00} in interest. I do not know XXXX XXXX XXXX and never -- ever -- made a cash advance on this Pay Pal account. 

I reported this fraud to Pay Pal and requested a full refund of all charges. The next day I saw this posted online to my account : " Case status : Closed. Thank you for reporting this case. After our review, we found that certain transactions were authorized. Case timeline XX/XX/year>. You filed a case XX/XX/year>. This case was closed. Case details XXXX ID : XXXX XXXX Receiver info : XXXX XXXX XXXX XXXX. Date reported : XX/XX/year>. Transactions not refunded. '' There was no further explanation and Pay Pal made no effort to contact me. 

I called Pay Pal but was told to contact my credit card. There was nothing more Pay Pal could do. Again, Pay Pal would not share any details of an investigation. 

XXXX more relevant item : The credit card I had on file on my Pay Pal account had been cancelled. Somehow, Pay Pal managed to charge a credit card that was not listed on my account. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 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: TX

Complaint narrative:
I submitted my military orders to Nelnet on XX/XX/XXXX, and I received confirmation from Nelnet that the request had been processed. The purpose of submitting my orders was to place my federal student loans into deferment while I was on active assignment. 

During this period, I returned to school and was in the process of purchasing a home. While reviewing our credit report, I discovered that Nelnet had reported my account as delinquent and placed it into collections, despite my understanding that no payments were due. 

When I contacted Nelnet regarding this discrepancy, I was told that they had no record of my military orders on file. As a result, I was initially denied relief. I reopened my case and resubmitted my military documentation, along with prior written communications showing that Nelnet had acknowledged receipt of my orders. 

Nelnets failure to properly process and apply my military documentation resulted in my account being incorrectly reported as past due, which directly impacted my credit and nearly caused my family to be denied a home purchase. 

Following this escalation, I received XXXX separate Forbearance Approval Letters, all dated XX/XX/XXXX, stating that no payments are due until XX/XX/XXXX. Despite these written confirmations, my Nelnet account currently reflects a status of XXXX days past due, which directly contradicts the forbearance approval letters provided by the servicer. 

I am requesting that Nelnet correct my account status, remove any inaccurate delinquency or collection reporting, and provide written confirmation that my loans are properly placed in forbearance with no payments due until XX/XX/XXXX. 

This matter involves the documented submission of military orders and the application of federal servicemember protections, and I am requesting that Nelnet correct my account to ensure full compliance with those protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX there was an unauthorized transaction of {$8.00} from something called XXXX cloud whale a ( unknown source ) from my Wells Fargo account. Then XX/XX/XXXX they took {$11.00}, XX/XX/XXXX they took XXXX again thats when I realized there was unauthorized transactions going on and contacted my bank immediately. I spoke with someone he could not figure out what that source was so I got a knew card sent hoping that would work but it didnt because they took from me again in XXXX and XXXX {$11.00}. So I contacted the bank again, I got sent another card then the transactions stopped. I received my money back from fraud department, but then I received a mail from wells saying my account is being closed. The bank said theyre ending our relationship, I can never open up another account with them. IM baffled by how Im suffering the consequences of them not doing their part as a bank to protect me their customer and who has never had an issue like this before, now I have to find a new bank. Very inconvenient Wells Fargo!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I was traveling in XXXX for the holidays in late XX/XX/year>. Upon landing in the morning of XX/XX/year> in XXXXXXXX XXXX XXXXXXXX, I used an airport ATM to withdraw XXXX XXXX XXXX ( approximately {$120.00} USD ) from my M & T checking account. This was the only ATM withdrawal that I personally conducted or authorized while in XXXX. 

Later on XX/XX/year>, more than XXXX hours after that withdrawal, I received fraud alert emails from M & T Bank indicating additional ATM withdrawals that were flagged as suspicious. At all times, I retained possession of my debit card, did not share my PIN, and did not authorize these transactions. 

XXXX unauthorized withdrawals occurred in the amounts of {$440.00} USD and {$330.00} USD. A XXXX  attempted withdrawal of {$100.00} USD was blocked by M & T Bank. Upon receiving the fraud alerts, I immediately contacted M & T Bank, reported the unauthorized activity, and cancelled my debit card. 

Weeks later, I received written notice from M & T Bank stating that my claim was denied on the basis that the transactions were properly processed and authorized. When I contacted the bank for clarification, I was informed that the claim was denied because the transactions involved chip usage and because I was in possession of my card. 

I dispute this determination. Under Regulation E, chip usage and card possession do not establish customer authorization. I did not authorize these electronic fund transfers, did not share my PIN, and did not initiate or benefit from these withdrawals. The bank has not provided evidence that I personally conducted the transactions, only that the ATM accepted chip authentication. 

I am requesting reimbursement of the unauthorized withdrawals in accordance with my rights under the Electronic Fund Transfer Act and Regulation E.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Happy Money, Inc.
State: NJ

Complaint narrative:
Happy Money reported my personal loan account as charged-off to XXXX, XXXX, and XXXX. I dispute this reporting because the company has not provided verifiable documentation supporting the charge-off status. 
I contacted Happy Money in writing and requested proof, including billing statements and evidence of compliance with federal reporting and notice requirements. No verifiable documentation was provided, and the inaccurate charge-off information remains on my credit reports, causing harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
On XX/XX/year> I filed a claim for fraudulent transactions in total of almost {$3000.00}. The transactions were for cryptocurrency did I not authorize nor was aware was occurring on my account. The crypto transactions I contacted the merchant and the account was not under my name but my debit card was linked to use to buy crypto without my consent nor permission. On XX/XX/year> Current had denied my claim after filing a police report and FTC report for identity theft and addition documents from the merchant that these transactions were fraudulent and the claim was still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: MI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Someone opened an Apple Credit Card with my information. {$10000.00} in charges. Already filed police report and frozen my accounts with the credit bureaus. Please fix immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prime Recovery LLC
State: MO

Complaint narrative:
I have been paying this company because they sent an email threatening to garnish my check I got scared started making payments I had pay {$770.00} to date and ask for them to consider the payment paid in full they disagreed because I had made plans to settle for an {$300.00} but didnt have it I asked for the original debt and they said they couldnt provide it. I told them that goes against my fair debt act then they said they would reach out to the original creditor by the end of the day I asked for a copy of all payment and they cant provide it. Ive paid {$770.00} and all Im asking is the account be settled in full they wont agree and they have yet to send me my contract from the original debt which they should already have

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year> I was notified I needed to open the XXXX  XXXX  to avoid closure of my account. Despite regularly using the service during this time, I was later notified on XX/XX/year> that I had canceled my account. This was incorrect as I had taken no such action and was actively using the service. The XXXX notice stated my funds were transferred to " XXXX  XXXX. '' I was instructed to write to XXXX  through https : XXXX for error resolution. The response I received stated these funds could not be recovered since XXXX  had already completed the transfer and that I should contact my state for lost property. My state does not have these funds either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
XXXX # XXXX Above is the police report number. 
This is a fraud transaction that was represented by the WELLSFARGO.Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
TSIXXXX is reporting a collection account in the amount of {$310.00} on my credit report without ever providing proper notice or lawful validation of the alleged debt. I never received any written notice of this debt prior to it being placed on my credit report, which is a direct violation of FDCPA 1692g ( a ). This failure alone constitutes a statutory violation subject to up to {$1000.00} in statutory damages under the FDCPA. 
Additionally, I formally requested validation of this alleged debt well over 60 days ago, and to date, TSI has failed to provide any documentation whatsoever. Despite this, TSI continues to report this account as accurate, which is unlawful. Once validation is requested, all collection activity including credit reporting must cease until proper validation is provided, pursuant to FDCPA 1692g ( b ).

TSI has also violated FCRA 623 ( a ) ( 1 ) ( A ) by furnishing information to the credit bureaus that they can not substantiate as accurate, and FCRA 623 ( b ) by failing to conduct a reasonable investigation after receiving notice of my dispute. Reporting an unvalidated collection is not a reasonable investigation and does not meet the standards of accuracy required under FCRA 607 ( b ).

For clarity, proper validation of a collection account requires the following : Proof of legal ownership or assignment of the debt The original agreement or contract bearing my signature An itemized breakdown of the alleged balance The Date of First Delinquency ( DOFD ) Documentation showing collector authority to collect Accurate Metro 2 reporting, including dispute indicators TSI has provided none of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
b'Subject: Formal Demand for Immediate Correction of False Credit Reporting  Bank of America / XXXX XXXX XXXX charge incorrectly ruined out credit\n\nThis letter serves as a formal demand for immediate correction of a false and damaging credit report entry that has now persisted despite three formal Fair Credit Reporting Act (FCRA) disputes and more than five direct attempts to resolve this with Bank of America.\n\nThis matter concerns a fraudulent $XXXX charge on our XXXX XXXX credit card issued by Bank of America. The charge was reported as fraud, investigated, and reversed by the merchant. Despite this, our credit report still reflects a missed payment, which is factually incorrect and legally indefensible.\n\nBank of America has acknowledged this error. A representative contacted us and stated she would correct the issue. She never did. Over the following weeks, we left more than XXXX voicemail messages requesting a return call. None were returned. Instead, we received automated messages stating the issue was resolved, even though no correction was ever made and the false information remains on our credit reports.\n\nThis behavior demonstrates a systemic failure to conduct a reasonable investigation, as required under the Fair Credit Reporting Act (15 U.S.C.  1681). A dispute process that consists of silence, misrepresentation, and inaction is not complianceit is negligence.\n\nThis inaccurate reporting has caused ongoing financial and reputational harm. We are no longer requesting assistance. We are demanding immediate corrective action.\n\nWe demand the following within XXXX  business days:\n\nImmediate deletion of the false late-payment entry from all credit reporting agencies.\n\nWritten confirmation that the account reflects a zero balance and no late history.\n\nWritten explanation of how this error occurred and why repeated disputes were ignored.\n\nName and direct contact information of a supervisor or compliance officer assigned to this case.\n\nIf this matter is not fully resolved within 10 business days, we will proceed with:\n\nFormal complaints to the Consumer Financial Protection Bureau (CFPB)\n\nThe Office of the Comptroller of the Currency (OCC)\n\nThe Georgia Attorney General\n\nAnd, if necessary, civil action for FCRA violations\n\nThis situation should never have reached this point. The burden of correcting Bank of Americas internal failures will not be placed on us any longer.\n\nPlease contact us immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
Settled the account with agency didnt receive any information showing i dont owe anything just a message after payment was promised a pay to delete and an email showing the debt has been paid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 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: Self Financial Inc.
State: MD

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this account from my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: CA

Complaint narrative:
CFPB, I am filing this complaint regarding inconsistent and improper payment posting by Fizz. 

On my account, a payment in the amount of {$60.00} was submitted and has successfully cleared my bank account, yet this payment has not been posted or credited to my Fizz account. A subsequent payment of {$17.00}, made after the {$60.00} payment, was credited and posted promptly. 

Fizz has not provided any clear, transparent, or documented explanation for why an earlier payment that has already cleared my bank remains unposted while a later payment was credited immediately. This inconsistent handling of payments is unreasonable, lacks transparency, and raises concerns about the accuracy and reliability of Fizzs payment processing and posting practices. 

Delayed crediting of cleared payments creates confusion regarding account balances and exposes consumers to potential harm, including incorrect balances and related downstream effects. Screenshots documenting the cleared {$60.00} payment, the posted {$17.00} payment, and my account status have been attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Collection Service
State: ID

Complaint narrative:
Sent them a sease and desist letter via all there email accounts and mailing address. However I still recive frequent calls from this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I recently received communication regarding an alleged debt. I do not know who the collector is or have full details of this account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this alleged debt, including : 1. The amount of the debt. 2. The name of the original creditor. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that you are authorized to collect on this debt. Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus. Please respond in writing to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-01-26 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I recently received communication regarding an alleged debt. I do not know who the collector is or have full details of this account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide validation of this alleged debt, including : 1. The amount of the debt. 2. The name of the original creditor. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that you are authorized to collect on this debt. Until proper validation is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus. Please respond in writing to the address above.

Company response to consumer: Closed with explanation