vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint as the account holder regarding inaccurate and unverifiable information being reported in connection with my Capital One credit card account. 

On or around XX/XX/year>, I disputed the reported account status directly with the company and through the consumer reporting agencies. Despite these disputes, the company has continued to report the account status without providing documentation explaining how the information was verified or which specific records were reviewed. 

I requested a written explanation of the method of verification used to confirm the reported account status, including the records relied upon to determine accuracy. To date, the company has not provided this information. 

A prior CFPB complaint was submitted regarding this issue. That complaint was closed without a substantive response, as the company declined to address the merits of the dispute and instead cited privacy concerns. As a result, the underlying verification and accuracy issues were not addressed. 

At this time, material inconsistencies remain across consumer reporting agencies, and the company has not demonstrated that the reported account status is accurate or verifiable. The continued reporting of this information without explanation has adversely affected my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
I have called at minimum 4 times now trying to resolve this to no avail. I have record of all calls. 
When I finally got through to the XXXX  department on XX/XX/XXXX, I was greeted with an attitude. After the call was made for this {$51.00} charge, there was not one email confirmation or mail correspondence following. 
I called today XX/XX/XXXX to both check the status of my new replacement card and was told that it wasn't sent AT ALL because I keep my credit cards locked. The representative on XX/XX/XXXX never told me anything of the sort. Here we are rolling up on almost 30 days and no card. 
Additionally, I asked about the dispute and was told a completely different date and a completely different amount than what I reported was not considered fraud. Literally all of the information that I have provided on XX/XX/XXXX was completely wrong. The new representative researched it and stated that I had never made a dispute for this particular date and amount. This was literally the only dispute that I was disputing so I have no idea or clue how the other date was concocted. 
Enraged at this level of horrible service and incompetence, I immediately had them close the card. 
I want the disputed amount back. I have proof from XXXX XXXX that this was NOT a valid charge that I purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: CA

Complaint narrative:
I used the Cash app to send {$100.00} to my daughter 's account ( same as I used last year for XXXX. She never received it. I asked her to verify her ID, but it was different by one character now and tied to a different phone number. 
I requested a refund in the app as instructed. 
After a few days, I called support to ask for their help, and they said that the receiving party needs to approve the refund. I said she has no access to that account. I asked if they could move the funds to the correct account. They said no. 
They asked me for the mobile number that was tied to the old account. I provided about a half dozen old numbers, and one matched. They said that the recipient needs to call to initiate the refund. 
I made the point that it makes no sense that the recipient has to approve the refund. It could have gone to anyone, and they would just keep the money. Why would the recipient be the one to " approve '' the refund when it was a gift, not a purchase of goods? 
I asked for a manager and they went through all the motions, then ended the call by saying they " submitted a report to that team. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo honored a court-ordered bank levy in Texas but can not verify the underlying court order, writ, or proof of service. Exempt wage funds were seized without notice or exemption forms. I am disputing the levy and requesting investigation and return of exempt funds.

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 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear Jefferson Capital I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX  The name and address of the original creditor and the current creditor. XXXX  Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

XXXX Proof that the original creditor securitized the debt.

XXXX  Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: VA

Complaint narrative:
Subject : Misapplication of {$15000.00} Payment and Wrongful Delinquency Reporting Despite Overpayment Company : Nelnet Description of Incident : I am filing this complaint because Nelnet has reported a XXXX delinquency on XXXX of my accounts despite the fact that I am " paid ahead '' by over {$17000.00}. This reporting error is a violation of the Fair Credit Reporting Act ( FCRA ) and has caused my credit score to drop from XXXX to XXXX, jeopardizing a {$750000.00} mortgage loan. 

The Error and Misapplication : Overpayment Status : My monthly payment is {$790.00}. Over the last 12 months ( XX/XX/XXXX thru XX/XX/XXXX ), I have paid a total of {$27000.00} into my accounts. By any reasonable accounting, I should be " paid ahead '' for nearly two years. 

XX/XX/XXXX Payment : I made a lump-sum payment of {$15000.00}. Nelnet unilaterally applied this to a single high-interest account group and closed it, rather than distributing it to keep all groups current. 

XX/XX/XXXX Correction Attempt : I called Nelnet in XXXX. I provided explicit instructions to distribute that {$15000.00} across all accounts to ensure no delinquency. Nelnet claims this was not done because we also discussed a potential future consolidation. 

The Defense : Nelnet is currently claiming the delinquency is " accurate '' because I received notices in XXXX and XXXX. However, those notices were the direct result of Nelnets failure to follow my XXXX instructions and their refusal to apply funds already in their possession. 

XX/XX/XXXX Admission : In XXXX, a Nelnet agent admitted the error and manually adjusted the {$15000.00} across my accounts. However, Nelnet is now refusing to retract the negative credit reporting, claiming it was " accurate at the time. '' Legal and Financial Argument : Under the FCRA, furnishers must report accurate information. Reporting a borrower as 90 days delinquent while holding {$15000.00} of their unapplied funds is inaccurate and misleading. Nelnet had the funds to satisfy the debt ; their internal misallocation does not constitute a consumer delinquency. This " technical '' delinquency has caused me massive economic damage in the form of higher mortgage interest rates on a {$750000.00} loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: IA

Complaint narrative:
Optum bank administers a XXXX XXXX Account which I currently hold. I repeatedly over the course of several months have uploaded a claim for Optum Bank to process through my XXXX XXXX Account. They have not processed the claim. I contact customer service, they claim they are referring the problem to an escalated level within the company. Nothing happens. I also hold an XXXX account with Optum. Their bill payment feature to providers is not working and their customer service team is either unwilling or unable to fix it. They are holding over {$12000.00} of my money on account and are completely unresponsive to my attempts to get their software to work correctly. Please publish this complaint far and wide so other customers will learn how terrible the customer service is at Optum Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
My federal student loans related to the XXXX XXXX XXXX XXXX were approved for XXXX XXXX discharge. However, MOHELA has failed to apply this discharge to my Direct Consolidation Loans and has obstructed escalation by disconnecting calls when I request a supervisor. 

I am requesting correction of my loan records, XXXX XXXX discharge of my consolidation loans, and refunds of all payments made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX I was charged {$760.00} by a merchant listed as XXXX XXXX XXXX after purchasing tickets online for the XXXXXXXX XXXX XXXXXXXX at the XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX  directly by phone because I had questions about the tickets. The venue informed me that : Tickets were not yet on sale They do not sell tickets through third-party vendors Any party selling tickets at that time was fraudulent I immediately contacted American Express and disputed the charge. American Express initially approved the dispute and issued a provisional credit. 

XXXX weeks later, American Express reversed the credit despite acknowledging that no tickets were ever delivered to me no seat numbers, no barcodes, no confirmation, no transfer link, and no proof of fulfillment of any kind. 

American Express stated that the merchant was allowed until XX/XX/XXXX to provide the tickets and that I could not dispute the charge again until after the event date. They also stated that this did not qualify as fraud because I voluntarily provided my credit card number, even though the transaction was induced under false pretenses. 

This is incorrect under the Fair Credit Billing Act. The merchant has no authority to sell tickets for this event, and American Express accepted the word of a fraudulent seller over the venue itself while providing no evidence of delivery. 

American Express failed to properly investigate this dispute, reversed a provisional credit without proof of delivery, and misapplied federal consumer protection law by forcing me to wait until after a future event for goods the merchant is incapable of providing. 

I am requesting that American Express be required to permanently reverse this charge and correct their dispute handling procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
On XX/XX/year>, I received an adverse action notice denying my application for an Indigo Mastercard issued by XXXX XXXX  and serviced by Concora Credit. The notice referenced an Indigo Mastercard application and included reference number XXXX. The stated reason for denial was that other credit card accounts were not in good standing. 

The same notice further stated that the credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. However, the notice did not identify the specific affiliate or outside source relied upon, did not describe the nature or substance of the information obtained, and did not explain how that information was used in evaluating my application. 

Because the decision relied on information outside of a nationwide consumer reporting agency, I am requesting disclosure of the nature and substance of that information, including the identity of each affiliate or outside source relied upon, the type of information reviewed, and the date or timeframe in which such information was accessed or evaluated, as required by the Fair Credit Reporting Act. This request is made pursuant to my right to receive a meaningful disclosure of the information relied upon, sufficient to allow me to understand and evaluate the basis of the adverse action. 

I further request that this disclosure be provided in writing and sent to my mailing address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, WA XXXX. I am requesting a written response rather than a verbal explanation or a generic summary. 

This request is made solely to obtain the disclosures required by federal law and to ensure that the adverse action process complied with applicable consumer protection requirements. I am not disputing the creditors right to make a credit decision, but am seeking transparency and statutory compliance regarding the information used to reach that decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Southwest Business Corporation
State: WV

Complaint narrative:
I am submitting a complaint regarding Insurance Claim ILD # XXXX and Loan # XXXX with XXXX XXXX, administered by SWBC Loss Draft Department. 

On XX/XX/year> I contacted SWBC regarding the release of insurance proceeds from a recent loss. I was informed that a supervisor escalation would occur and that I would receive either a decision or a call by the end of business day XX/XX/year> As of now, the funds have not been released, and I have not received any written confirmation or explanation for the delay. The insurance proceeds are due to me and are intended for property restoration. There is no contractual, legal, or investor-related reason to withhold these funds. 

I have made multiple requests for immediate release of the full insurance proceeds, including a documented escalation to a supervisor. Despite this, SWBC XXXX XXXX has failed to provide a timeline or confirm disbursement, effectively delaying access to funds to which I am legally entitled. 

I am requesting that the CFPB investigate this delay, require immediate release of the insurance proceeds, and ensure that SWBC / XXXX provides written confirmation of disbursement. 

Supporting Information : Loan Number : XXXX Claim Number : ILD # XXXX Date of initial call : XX/XX/year> Notes : Supervisor escalation requested, commitment made for resolution by end of business day XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Bitstamp USA, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I sent a {$30000.00} wire transfer from my XXXX XXXX  to Bitstamp USA , Inc . 
The funds were received by Bitstamp but have not been credited to my account or made available for withdrawal. 

Despite completing all requested identity verification including a live video verification, Bitstamp has continued to hold my funds with no clear explanation or timeline for release. 
This prolonged delay has caused financial hardship and I am requesting immediate release of my funds.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one bank put a deposit on hold until XX/XX/XXXX, I deposited XX/XX/XXXX, when I called to see why my deposit hadnt posted on XX/XX/XXXX I was told they were holding it till XX/XX/XXXX to verify it. The check was from my XXXX  account from work at XXXX XXXX so its from the federal government. The person was very rude and told me I had to get a number from my HR department for her to talk to I said just call the number on the check. After talking to her I called the number on the front of the check and the lady I spoke with said all they have to do to verify is call the number on the front of the check when Im on the line or in the bank. I spoke with multiple people at capital one and none wanted to call the number they do not have a bank I can go to so its only online and I dont have a different number to call or email to send my concerns I want my money and cant understand why they cant just call the number on the front of the check to verify or why it is being held for so many days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. XXXX. XXXX. XXXX. XXXX. The name and address of the original creditor and the current creditor. 
Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
Proof that the original creditor securitized the debt. 
Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
CREDIT REPORT DISPUTE LETTER ( Fair Credit Reporting Act 15 U.S.C. 1681 ) EXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX  Via Certified Mail Return Receipt Requested To Whom It May Concern, I am writing to dispute inaccurate, incomplete, unverifiable, and/or obsolete information appearing on my consumer credit report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

The following account ( s ) are being reported inaccurately or can not be verified : Creditor Name : Jefferson capital system ___________________ Account Number ( Partial ) : XXXX Reason for Dispute : ___________________ Under 15 U.S.C. 1681c and 1681i, you are required to conduct a reasonable reinvestigation and delete any information that is inaccurate, unverifiable, or obsolete. 
If the disputed information can not be verified within the time allowed by law, it must be removed immediately. Please provide written confirmation of the results of your investigation along with an updated copy of my credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, _____________________________ XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation