vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: TN

Complaint narrative:
am filing this complaint regarding the handling of my secured XXXX XXXX credit card and associated XXXX XXXX account. In XX/XX/year>, I initiated a {$460.00} ACH payment toward my secured credit card. The Self mobile application reflected the payment as credited, and my available balance updated accordingly. Based on the information displayed in the app, I continued using the card. Shortly thereafter, I was notified that the payment was unsuccessful due to insufficient funds. Weeks later, the company reversed the payment, assessed returned payment fees, and adjusted my balance significantly. In addition, I had active billing disputes on certain transactions. Provisional credits were issued and later reversed after the company stated the transactions were verified. However, I was not provided documentation showing merchant verification or evidence supporting the denial of those disputes despite my written request. Regarding my secured deposit, my credit limit increased over time from {$150.00} to {$450.00} and ultimately to {$500.00} based on deposits funded through both external bank transfers and internal transfers from my XXXX XXXX account. Upon requesting account closure, the company stated that my total {$500.00} deposit consisted of {$200.00} from my XXXX XXXX account and {$300.00} from a credit card limit increase deposit. This does not fully align with my understanding of how my deposits were funded and applied. Despite requesting a complete transaction-level ledger, including : The posting and reversal timeline of the {$460.00} payment All returned payment fees Documentation supporting dispute denials A detailed breakdown of the source and application of each secured deposit the company has not provided full documentation supporting the reported balance. The account is now reporting a {$520.00} balance on a {$500.00} limit as closed. This reflects utilization above 100 % and has caused significant XXXX XXXX harm. I am requesting that the company provide complete documentation supporting the reported balance and correct any inaccurate credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
This complaint is directed to XXXX XXXX Due to financial constraints I missed XXXX payments in XXXX XXXX and XXXX of last year but was able to make payments in XXXX and XXXX. I called them to ask for a payment deferral while I was getting my finances sorted and they said no. On the night of XX/XX/year> they repossessed my car without giving me prior notice ( right to cure ). I was under the impression that since I had made the last XXXX payments and put extra money in each payment to help with late fees, that I was in no danger of being repossessed. If they had sent the right to cure notice I would have gotten the money together to cure the situation. When I called them about the repossession they informed me that I needed to pay for the XXXX missed months ( XXXX, XXXX and XXXX ) plus {$500.00} in repo fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXXCiti XXXX XXXX XXXX ref XXXX XXXXBank Name: CitiXXXXType of account: Deposit account - XXXX checking accountsXXXXClosest bank is at XXXX XXXX XXXX XXXX XXXX IL XXXX. XXXX XXXX. No physical banks exist in Texas.XXXXXXXXAfter depositing a personal check from my mother-in-law into my account via mobile deposit, my account has been blocked, frozen, under review and I have even been told it is being closed. That was on XXXX. I have called every day and have not received any reliable information. I have not had access to my account ever since. Nobody has told me why I can't get in and nobody has helped me at all. Meanwhile, the check cleared my mother -in-laws bank on XXXX That lets me know that my funds have been deposited as well.XXXXStill, I cannot get anyone to give me access to my account. No fraud was committed and they don't seem to care that they have caused me to almost be evicted since it has been so long now. I can't pay bills or anything else. I need to have access to my funds immediately. This is not fair or legal to tie up my money.XXXXI have called and complained every day. Here are the numbers that I have called.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 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am unemployed and contacted Firstmark prior to my payment due date to request hardship assistance. I submitted a request through their portal indicating that I could not afford my upcoming payment due to unemployment. After my payment due date passed, I was informed that hardship options could only be processed once the account was delinquent. Once my account became past due, Firstmark denied my forbearance request ( stating I had no remaining forbearance eligibility ) and instead offered a 12-month Temporary Loan Modification on XX/XX/year>. I followed up regarding how to proceed and formally accepted the Temporary Loan Modification terms on XX/XX/year>. Despite accepting the modification, Firstmark has not processed or implemented it. I have received no written confirmation of approval, no implementation timeline, and no clarification of my account status. Instead, I continue to receive multiple daily collection calls and delinquency notices while being told the request is under review. Firstmark has stated my account is now past due and referenced potential credit reporting, even though I proactively contacted them prior to delinquency and followed their required process to request hardship assistance. Additionally, I have requested written confirmation of whether my account will be negatively reported while the modification is pending and disclosure of any alternative hardship options ( such as interest-only payments, extended-term re-amortization, or administrative forbearance ). I have not received substantive written responses to these requests. My loan includes a co-signer, and Firstmarks delay in processing an accepted modification while continuing collection activity creates unnecessary risk and potential harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: IL

Complaint narrative:
I am filing this complaint regarding LVNV Funding LLC and Resurgent Capital Services for inaccurate and unverifiable reporting of an alleged debt. The account is reported inconsistently across consumer reporting agencies, including conflicting balances, reporting timelines, and removal dates. LVNV/Resurgent has failed to provide : Complete chain of assignment Documentation establishing ownership of my specific account Authority for third-party furnishers to report Itemized accounting of the balance Continued reporting without competent verification violates : 15 U.S.C. 1681e ( b ) Maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Accurate reporting obligation 15 U.S.C. 1681c ( a ) ( 4 ) Date of First Delinquency integrity 15 U.S.C. 1681i Reasonable reinvestigation requirement I am requesting permanent deletion of this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Debit was discharged but account still reported on my credit report and I'm receiving notices from 3rd party debit company who I have not contract with. I have requested a 1099c but I never received a copy and I have requested this collection be remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
My XXXX desktop home computer was infected by a session-hijacking virus on XXXX XXXX XXXX XXXX I immediately noticed the unusual behavior and used several reputable antivirus software programs to scan and remove the virus from my system. I then began changing passwords, revoking login sessions, and regenerating backup codes from secondary devices ( XXXX XXXX + XXXX XXXX XXXX The next morning, Cash App notified me by email. XXXX XXXX XXXX XXXX : The email XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been linked to your Cash App account. XXXX XXXX XXXX XXXX : The phone number ending in XXXX has been linked to your Cash App account. XXXX XXXX XXXX XXXX XXXX Your email address has been unlinked from your account. My attempt to unlink the unknown email address was unsuccessful because the threat actor immediately restored it at XXXX XXXX At XXXX XXXX, I contacted Cash App Support to report the breach and provide information. The support representative informed me that they have escalated the case to the investigation team, who will report back within 10 business days. After restoring mobile access to my account via the infected XXXX system, I contacted Cash App Support at XXXX XXXX via the in-app chat to report the unauthorized transaction. The representative confirmed that the investigation is in progress. Lastly, I revoked the hijacked session and fully reinstalled XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: DISCOVER BANK
State: TX

Complaint narrative:
Fraudulent activity occurred on my credit card account with Discover, and my card was replaced. During this time, there was also a disputed charge from XXXX XXXX. Discover issued a temporary credit while conducting its investigation but later concluded the charge was valid. However, XXXX XXXX has confirmed that a refund was processed and that the funds were received. Discover has stated they did not receive or apply the refund. Because my account was under active fraud and dispute investigation, I reasonably believed the matter was still under review and did not clearly understand that payments were still required. As a result, multiple late payments were reported to the credit bureaus, significantly damaging my credit. I intend to pay the balance in full to prevent further harm, but I am requesting a full review of the investigation process, confirmation of whether a refund trace was conducted, and reconsideration or goodwill removal of the negative credit reporting given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have made a complaint about an old collection account that keeps appearing on my credit and I am sharing the updated message with the credit reporting agency Experian and transunion and XXXX The old account is XXXX XXXX XXXX Account number is XXXX I am demanding this account be deleted from my credit profile permanently I have proven my claim I dont owe this debt And XXXX XXXX agreed to delete this trade line off my credit report They have been found in violation for coming after me for a debt that has been voided and if this collection remains on my report I wish to seek legal counsel for I the consumer deserves an accurate credit report I use my credit to sustain my yearly living. I am a aware Experian or transunion didnt verify this debt before allowing it to be posted on my credit report I am very upset at there decisions and according to the fcra ( 15 U.S.C . 1681 ) promotes the accuracy, fairness, and privacy of consumer information by requiring credit reporting agencies ( CRAs ) to maintain reasonable procedures, ensuring maximum possible accuracy. The credit reporting agency failed me and they didnt ensure possible accuracy because if they did they would of knew that this debt was re aged and there isnt a valid contract For them to collect on my credit has been damaged and I am not accepting this outcome the FCRA includes a private right of action. That means that the law allows consumers to file a civil lawsuit against any party that violated their rights under the law. They do not have to wait for a regulator to take action.

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 2026-02-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems , LLC / XXXX Issue : Incorrect information on your report / Improper use of your report I am filing this complaint because Jefferson Capital Systems is reporting a fraudulent debt on my credit file that originated from identity theft at XXXX. Several years ago, I discovered an unauthorized XXXX account had been opened in my name. I contacted XXXX immediately to report this as a fraudulent account. At that time, XXXX failed to properly investigate or close the account, claiming I could not provide " sufficient information '' despite the fact that I never opened the account and therefore had no original records for it. In XX/XX/year>, this " zombie debt '' resurfaced when Jefferson Capital Systems sent a collection notice to my current address and subsequently placed a derogatory collection entry on my credit reports with the major credit bureaus. This reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : Inaccurate Reporting : I have no contractual relationship with XXXX or Jefferson Capital ; this debt is the result of identity theft. Failure to Cure : XXXX was put on notice years ago regarding the fraud and failed to mark the account as disputed or fraudulent. Continuing Collection of Identity Theft Debt : Jefferson Capital is attempting to collect on a debt that was previously flagged as fraudulent. I am requesting that the CFPB compel Jefferson Capital Systems and XXXX to : Cease all collection activity regarding this fraudulent account. Permanently delete the collection entry from my XXXX, XXXX, and XXXX credit reports. Provide written confirmation that this account has been closed and that I am released from any alleged liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a deposit from a vendor for an amount of {$19000.00}. Shortly afterwards, I received a text indicating that {$19000.00} have been electronically transferred to an account ending in XXXX. I did not authorize or approve this transfer and was not aware of who initiated the transfer until I spoke to Bank of America. I submitted a claim with Bank of America. Bank of America froze my account for deposits only and told me they would investigate it. It appeared to be fraud.

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 monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Accounts Referenced : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} XXXX. The XXXX XXXX XXXX Account referenced in your correspondence dated XX/XX/year> To Whom It May Concern : This letter serves as a formal request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and investigation requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s2. I am responding to your recent correspondence regarding the abovereferenced accounts. Your prior response indicated that you were unable to complete your investigation due to alleged insufficient information. However, federal law requires that a debt collector possess and provide proper validation before continuing collection activity or reporting information to any consumer reporting agency. Accordingly, I request complete validation for BOTH accounts listed above, including but not limited to : The name and address of the original creditor The complete account number and date of alleged default A copy of the original signed agreement creating the alleged obligation A full payment history showing how the alleged balance was calculated Documentation demonstrating your legal authority to collect this debt Proof of assignment or transfer of the debt to Credit Collection Services The date the debt was placed for collection and the date of first delinquency Please note the following : 1. Until proper validation is provided, all collection activity must cease. 2. Reporting unverified information to credit bureaus may constitute inaccurate reporting under FCRA 1681e ( b ) and 1681s2 ( b ). 3. Any continued reporting without validation will be considered disputed and may result in complaints filed with the CFPB, FTC, and State Attorney General. If you can not provide the requested validation, you must immediately delete any credit reporting associated with these accounts and cease collection efforts. All future communication regarding this matter must be conducted in writing. This is not a refusal to pay but a request for validation of the alleged debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: WI

Complaint narrative:
We made mortgage payment of XXXX to Salene Finance and it is not showing on our monthly statement. They are charging us XXXX in fees and late charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: VA

Complaint narrative:
I made a purchase to Klarna or an item during the XXXX holiday. I never received the item and I reached out to Klarna to report it at that time. They stopped the payments and theyve reached out to the merchant and came back to me, telling me that it was denied. Today I have not received a product and I since found out that the business is a scam. Ive sent all evidence to Klarna, and they are refusing to cooperate and trying to force me to pay for a product that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
I received a call once I got out the shower, a call from cashapp I check XXXX and its the same number so I think its legit. They ask are u trying to change your information I say no and they ask whats the last 4 of your account number I say it The call hangs up and I get XXXX $ took out my account now Im left with XXXX XXXX Please help me Im scared

Company response to consumer: Closed with explanation