vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 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: HW Holding, Inc
State: MN

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information please contact me at :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am disputing a duplicate charge from XXXX XXXX in the amount of {$4300.00}. 

Timeline : On XX/XX/2025, I purchased XXXX open-box XXXX XXXX graphics cards from XXXX XXXX. 
On XX/XX/2025, I returned the items in-store. The store scanned and verified the serial numbers and accepted the return. A full refund was issued and posted to my account. 
Several days later, XXXX XXXX charged my card again for the exact same amount ( {$4300.00} ) without my consent. I do not have the merchandise. 

I filed a billing dispute with Chase/XXXX for the later re-charge. During the dispute process, XXXX XXXX claimed that the serial numbers on the returned GPUs were scratched out. 

The items were purchased as open-box, meaning they were previously returned and handled before I received them. XXXX XXXX did not provide any evidence showing the condition of the products at the time of sale, nor any proof that the alleged serial damage occurred while the items were in my possession. 

Despite my return receipt, refund confirmation, and explanation that the store retained the merchandise, Chase/XXXX  closed the dispute in the merchants favor, stating that I did not prove I was not the one who damaged the serial numbers. 

I believe this outcome is unfair and inconsistent with the Fair Credit Billing Act. I returned the merchandise, the merchant accepted it, and I no longer have possession of the goods. The burden should not be placed on the consumer to disprove unsubstantiated claims made after a verified return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: TX

Complaint narrative:
I will have to go back and find all the related information. ClearOne advantage. I had 4 accts the 4th acct never was picked up or settled and I had called at one point and asked about it. Was told once funds built back up it would be handled. Ended up being sued by company for that acct. Had never in my life missed payments. If I had known this would happen I would have negotiated myself. Also was not told how bad it would hit me at tax time too once accts were settled so now I also owe the irs. My acct with clearine is closed because as soon as other accts were settled I shut it down. I pulled the 4th acct from them since I was already being sued. Went to court and worked out a deal with them. Maybe all that was in the fine print. But by the time the late fees, clear ones fees, taxes I would have been better off with a bank loan and credit not ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: NY

Complaint narrative:
I am submitting this complaint regarding negative credit reporting on my federal student loan account serviced by MOHELA. 

I am not disputing that my account became delinquent ; however, I am concerned that the negative credit reporting occurred without effective borrower notice. At the time the delinquency accrued, I was in the process of a documented residential move, and written correspondence was sent to a prior address and not received. Additionally, MOHELA email communications were routed to my spam folder, which I can document. 

As a result, I did not receive timely or effective notice of the delinquency before adverse credit reporting occurred. This delinquency was an anomaly relative to my long history of on-time payments and occurred during a period of repayment transition and administrative complexity. Once I became aware of the issue, I promptly brought the account current. 

I am requesting review of this matter for communication adequacy and fairness in credit reporting, and request that the negative credit reporting associated with this period be removed or otherwise corrected if, upon review, it is determined that effective notice was not provided.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal permanently limited my personal account claiming security reasons, but they refuse to provide any explanation and they also refuse to provide a release date for my funds.

I never received any prior email notification about the review or limitation. I live in the United States and I use PayPal to receive payments and to send money to my family. My account currently has {$250.00} USD inside, and PayPal is keeping my money without providing a clear date when I will be able to withdraw it.

I contacted PayPal customer support and they stated that they can not disclose the reason and that the decision is final, but they also refused to confirm when I will be able to access my funds. This is affecting my personal finances and is unfair since they are holding my money with no transparency. 

I am requesting XXXX of the following : XXXX A clear date when my funds will be released, OR XXXX Immediate release of my {$210.00} funds. 

I am willing to provide ID, proof of address, bank statements, or any documents required, but PayPal is not giving me any option to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: FL

Complaint narrative:
on XX/XX/year> U received a loan company supposed to guarantee me a loan. XXXX XXXX  now they said they needed to get money from cash app. cash app does not allow a dispute until a transacyion is complete, after its complete there is nothing a consumer can do. I am over scams taking my money and this is ridiculous to comminucate with cash app. They must be behind the scams also

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Zions Debt Holdings
State: MN

Complaint narrative:
This company is violating my rights they have not provided validation Information XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> Capital One closed XXXX of my credit card accounts ( XXXX XXXX XXXX XXXX, and XXXX ) after XXXX returned payments. These returned payments were not because I was unwilling or unable to pay. They occurred only because I accidentally selected the wrong external XXXX by XXXX XXXX bank account when submitting payments. I was never delinquent on any of these accounts. I have never had a late payment, I had a consistent positive payment history, and I corrected the situation immediately XXXX  I realized what happened. Since the closures, I have immediately paid XXXX of the accounts to a XXXX balance, and I am actively and consistently paying down the final account. Despite this, XXXX XXXX informed me that the closures are permanent policy, even though the accounts are now paid/current and I demonstrated ability and willingness to pay. This action is punitive and disproportionate to the situation. I didnt receive any prior warnings, calls from the bank, any fraud warnings or emails. My account was not delinquent it was current and I was attempting to pay large amounts to bring down the amounts. The banks action now causes my credit reports to show Closed by XXXX XXXX, which unfairly harms my credit standing and does not accurately reflect that I corrected the payment source issue right away and have maintained responsible credit management. I can provide documentation including proof of payment history, proof of income, financial aid records, and screenshots showing the accounts were paid after the returned payment error. I value my credit, acted responsibly, and am simply seeking fair treatment and accurate reporting that reflects my true credit behavior. Please assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hello, my name is XXXX and I had to get dental implants a little over a year ago. I was brand new to credit as I was XXXX and care credit was my first credit card. I instantly racked up a XXXX dollar charge on deferred interest and I thought ok, the payments will be set to a minimum amount so by the end of the term it will be payed off. Now I get on today and see a promotional purchase ending warning only XXXX  month away. Out of the XXXX dollar deferred payment charge somehow only XXXX of it was payed off. Despite at times I was putting XXXX dollars more than I had to on it and on top of that I will have back to back deferred payments rack up on me now bringing my total probably near the XXXX mark and jumping my minimum to an unpayable amount. I am lost, frustrated, and just downright stressed. And now might have to look towards bankruptcy. I feel like I should have been made clearly aware that the minimum payments would not pay enough of it. And even if you do you must call them or message them to allocate the payments to go to it. Sorry, thats unprofessional and downright wrong. Please I am begging for some kind of help

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 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet approved retroactive deferments for my federally serviced student loans. Despite these approvals, delinquent payment history continues to be reported for the same periods covered by the deferments. I contacted Nelnet multiple times and disputed the reporting through the credit bureaus, but the delinquency history was verified without reconciling it against the approved deferment periods. 

I am attaching a cover sheet and documentation showing the approved deferment start and end dates for each loan group. Reporting delinquency during periods when no payment obligation existed is inaccurate and requires correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to the ATM and withdraw XXXX XXXX I hear it counted out in the machine it gives my card back print my receipt but the door doesnt slide open for me to receive my money. Then the screen has 800 number on it I ran to get my phone. But then it said the atm cant dispense cash. And the money didnt go back to my ent card. And the receipt says it gave it to me this was at around XXXX XXXX on XX/XX/year> wellsfargo atm # XXXX location : XXXX XXXX for XXXX XXXX .its in the door flap of the atm! Who ever checks it is gon na get my money and thats all the money I have until the end of the month I have kids please fix this. Thank you ms 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 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Identity Theft Statement and Request for Removal of Fraudulent Information Re : Identity theft affecting the credit file of XXXX XXXX XXXX DOB ( XX/XX/XXXX ) Last XXXX of SSN : XXXX Current Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I, XXXX XXXX XXXX, am a victim of identity theft. An unknown fraudulent party, without my knowledge or consent, used my personal information to attempt or establish accounts, initiate inquiries, and generate negative reports that are not mine. I did not authorize these transactions or accounts. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and related federal protections : XXXX. Block and Remove Fraudulent Information Under FCRA 605B, 15 U.S.C. 1681c-2, I request that you block and permanently remove all information, accounts, inquiries, and derogatory marks identified as resulting from identity theft from my credit file. The law requires that such blocking be completed within XXXX business days after receiving this request and the enclosed documentation. 
XXXX. Fraud Alert Placement In accordance with FCRA 605A, 15 U.S.C. 1681c-1, I request the immediate placement of a fraud alert on my credit file. This will require creditors to take reasonable steps to verify my identity before opening new accounts. Please provide written confirmation once this alert has been placed. 
XXXX. Security Freeze Option I also reserve my right under the Economic Growth, Regulatory Relief, and Consumer Protection Act ( XXXX ) amendments to the FCRA to place a security freeze on my credit file at no cost. If requested, you are obligated to implement and confirm this freeze promptly. 
XXXX. Duties of Furnishers and Debt Collectors To any furnisher of credit information : you are required under the FCRA to conduct a reasonable investigation and delete any information that can not be verified as belonging to me. To any debt collector : I formally dispute all debts arising from this identity theft. Under the Fair Debt Collection Practices Act ( FDCPA ), you must cease collection efforts unless you provide proper validation and full documentation proving the debt belongs to me. 
XXXX. Notification to Downstream Users Under your obligations, you must notify any other parties to whom you furnished the fraudulent information that it has been blocked/removed, ensuring it does not continue to harm my financial reputation. 
Enclosed please find : A copy of my government-issued ID and proof of address ; An official Identity Theft Report from the FTC ( XXXX ) List of credit report identifying the fraudulent accounts and inquiries. 
I demand full compliance with these laws and request written confirmation once the fraudulent information has been removed and all alerts or freezes have been placed. 
Thank you for your immediate attention. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 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: KY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  transactions started to be made on my Chime debit card ending in XXXX while I was working in XXXX Kentucky. A total of four transactions were made in XXXX  and XXXX. I have tried to dispute the transactions with chime and it has been denied repeatedly. No funds were ever credited back to me after submitting supporting documentation of the Chime fraud, text messages I received as well as my time card from work.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: FL

Complaint narrative:
I keep trying to order a Cash App card and iy keeps telling me me an unexpected error occurred try again later

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

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

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I am submitting this complaint to request a reconsideration of credit reporting related to my Comenity Capital Bank credit card account. 
The account is currently open, paid in full, and in good standing. While I understand the reported late payment history, I have since demonstrated improved payment behavior and responsible account management. I previously contacted Comenity Capital Bank directly to request a one-time courtesy review ; however, my request was denied through standard customer service channels.

I am respectfully requesting that Comenity Capital Bank review my account at a higher level to determine whether a one-time courtesy adjustment or reporting reconsideration may be appropriate, given the accounts current status and my commitment to ongoing on-time payments.

My goal is accuracy, fairness, and the ability to continue a positive banking relationship. I appreciate a thorough review and written response. 
Thank you for your time and attention. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
CREDIT COLLECTION SERV- is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV- 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation