vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 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: TX

Complaint narrative:
I was confused because my advisor did not break down the loans to me I thought at the time when I would make a payment I was making it to a whole loan but instead I was just paying 1 of them and the customer service and support just isnt there when you need help I would compare the customer service to your local packed dmv office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Fell behind on payments 2023 and couldn't resolve the issue in such a short time frame given by the companies. Later on attempted to make up for the late payments and fees added on by the companies and couldn't accumulate enough to pay off full debt with other bills added on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I went through a hard time and I lost my job my account was closed on me right before I got my first check. I later received alot of fees due to oops service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX {$29000.00} XX/XX/XXXX XXXX {$200.00} XXXX XXXX, XXXX XXXX {$260.00} XXXX XXXX, XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX {$29.00} XX/XX/XXXX XXXX  {$750.00} XX/XX/XXXX XXXX XXXX {$6.00} XXXX XXXX, XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX  XXXX {$670.00} XXXX XXXX, XXXX XXXX  XXXX {$420.00} XX/XX/XXXX XXXX XXXX {$110.00} XX/XX/XXXXXXXX XXXX  {$710.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$750.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Kikoff Inc.
State: OH

Complaint narrative:
This company Kikff put latest on my credit file this was canceled on XX/XX/year> this misrepresentation this canceled by my laptop a letter was sent pay for delete they did not send a letter back to I ask them to take off the lates they will not this company is telling any consumer to call if any wants cancele on their computer it will work this miss information on them they put 90days past do false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: U.S. BANCORP
State: AZ

Complaint narrative:
I am filing a complaint regarding an improperly denied billing dispute involving a prepaid rental car reservation. 

A rental car reservation was booked through the U.S. Bank Rewards Center using reward points. The Rewards Center booking confirmation and invoice clearly state that the reservation was confirmed and paid, with a total balance of USD {$0.00} owed to the rental provider. 

Despite the reservation being prepaid, the rental car company charged my U.S. Bank credit card {$250.00} on XX/XX/year>. 

I submitted a billing dispute to U.S. Bank on the basis that the charge represented duplicate billing for a prepaid reservation. As part of the dispute, I provided the Rewards Center invoice showing that the reservation had already been paid using reward points and that no balance was owed.

U.S. Bank denied the dispute. The denial was based on a merchant name mismatch between the Rewards Center booking entity and the merchant descriptor appearing on the credit card transaction. U.S. Bank stated that the Rewards Center invoice could not be used as proof because the merchant names did not match.

No evidence was provided indicating that U.S. Bank performed a substantive investigation into the charge, including contacting the merchant or verifying whether the transaction represented duplicate billing for the prepaid reservation.

As a consumer, I have no visibility into merchant settlement structures, XXXX names, franchise entities, or payment processor descriptors. I have no reasonable mechanism to independently determine whether the charging entity was related to the prepaid reservation. 

The relevant fact remains that the rental reservation itself was prepaid in full through U.S. Banks Rewards Center, as evidenced by the invoice showing a USD {$0.00} balance owed. 

I am requesting regulatory review of U.S. Banks dispute handling and denial rationale.

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 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
I was using the social media Threads from XXXX at XXXX in XX/XX/year> ( Atlantic Standard Time ) and I found a post about someone who I suspect is selling information of stolen credit cards ( See attached image )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Dear [ Recipient Name ], I am writing to formally dispute an account currently being reported on my credit file by Jefferson Capital Systems , LLC. 

The account in question was opened on XX/XX/year>. I have previously contacted both the credit bureaus and the company directly XXXX provide accurate information regarding the ownership of this account. Despite providing proof that the current reporting contains errors regarding who owns the account, the item has not been removed or corrected. 

I am requesting that you review the documentation provided and work XXXX  resolve this discrepancy, as the company has thus far been unwilling XXXX  coordinate with me XXXX  correct these inaccuracies. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: HI

Complaint narrative:
I am a victim of a Mixed File and an Illegal Reinsertion under the FCRA. A collection account from IQ Data XXXX for $ XXXXwhich belongs to another personhas been placed on my report for the second time. This item was previously disputed and deleted, yet Experian reinserted it without the mandatory 5-day notice required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I have no relationship with the original creditor and this is a case of mistaken identity. I am being harmed by this inaccurate reporting and demand immediate permanent deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XX/XX/year>, my vehicle was declared a total loss by my primary auto insurance carrier. 

The official settlement document issued by the insurance company states : Actual Cash Value ( ACV ) : {$8300.00} Settlement Amount Paid to Lender : {$7800.00} I purchased a GAP Waiver as part of my auto finance agreement. The GAP contract clearly states that the calculation must use the market value as determined by the primary insurance carrier. 

However, the lender calculated my GAP benefit using an ACV of {$9800.00}, which does not match the official ACV determined by my insurance company ( {$8300.00} ). 

Because of the incorrect ACV used in the calculation, my GAP benefit was reduced to {$0.00}, and I was informed that I still owe approximately {$2000.00} on the loan. 

If the correct ACV of {$8300.00} had been used, the GAP benefit would have covered approximately {$1600.00} of the remaining balance. 

I formally requested a recalculation using the correct ACV provided by the insurance carrier, but the lender has not corrected the discrepancy. 

I am requesting that the lender be required to recalculate the GAP benefit using the correct ACV determined by the primary insurance company and adjust my remaining balance accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
This Zion debt holding company continues to reopen a debt collection charge for {$3600.00}, through XXXX. The original debt shows to be from company called XXXX which I have never had an account. This Zions debt holding company never provides documentation of the debt when requested. This debt only shows on my XXXX report, and will fall off when disputed, and then will reappear periodically with a different original debt holder company name. This is fraudulent activity that is negatively affecting my credit and XXXX  continues to allow and fail to properly investigate when disputed.

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing a formal complaint regarding Wells Fargo 's failure to conduct a reasonable investigation into unauthorized electronic fund transfers, as required by the Electronic Fund Transfer Act ( Regulation XXXX ). 
The Incident : Between XX/XX/XXXX and XX/XX/XXXX, four unauthorized transactions totaling {$400.00} posted to my checking account. 
XX/XX/XXXX : {$10.00} debit - Merchant : " XXXX XXXX * XXXX XXXX '' XX/XX/XXXX : {$0.00} credit - Merchant : " XXXX XXXX '' XX/XX/XXXX : {$0.00} credit - Merchant : " XXXX XXXX '' XX/XX/XXXX : {$150.00} debit - Merchant : " XXXX XXXX * XXXX XXXX '' XX/XX/XXXX : {$240.00} debit - Merchant : " XXXX XXXX * XXXX XXXX '' The Dispute : I promptly reported these transactions as unauthorized. Wells Fargo denied my claims ( Case # XXXX and # XXXX ) stating only that " the card was in your possession. '' This response fails to address the specific, documented anomalies I provided which indicate these transactions did not originate from my authorized use of the service. 
Objective Anomalies Ignored by the Bank : I submitted side-by-side evidence comparing these fraudulent charges to legitimate XXXX XXXX transactions. The bank failed to investigate two critical inconsistencies : Identity Mismatch ( Fake Account Name ) : The " verification '' deposits used the name " XXXX [ My Last Name ] ''. My spouses legal name is XXXX XXXX. I do not know a " XXXX [ My Last Name ] ''. The use of my surname with a different first name is a strong indicator of third-party identity guessing or spoofing, yet the bank treated this as a recognized family transaction without verifying the account holder 's identity. 
Protocol Mismatch ( Inconsistent Transaction Data ) : Authorized XXXX XXXX transfers consistently post with the description " TRANSFER XXXX XXXX ... '' and the category " Money Transfer ''. 
These disputed charges posted with the description " AUTHORIZED ON [ Date ] ... '' and the category " Other Outgoing Transfers ''. 
This difference in data processing proves these transactions originated from a different source or payment gateway than my authorized activity. The bank has offered no explanation for why these charges were processed differently than the standard. 
Violation : By relying solely on " card possession '' for a digital transaction and ignoring the specific technical discrepancies provided, Wells Fargo has failed to meet the " reasonable investigation '' standard of 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 monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Westcreek Financial
State: CO

Complaint narrative:
I applied for financing through Koalafi ( XXXX XXXX XXXX XXXX at XXXX XXXX in XX/XX/year>. I was approved for approximately {$740.00}, but I never returned to the store, never picked up any merchandise, and never had any tires installed. I changed my mind and did not complete the purchase. 

Despite this, the merchant marked the transaction as completed and Koalafi funded the loan. On XX/XX/year>, a payment was withdrawn from my bank account even though no goods or services were ever delivered. 

I never signed a pickup confirmation, never took possession of any tires, and no installation occurred. There is no proof of delivery because nothing was delivered. 

I contacted the company to dispute the charge and requested proof of delivery or installation, but no documentation has been provided. The payment was disputed through my bank due to non-delivery of merchandise. 

I am requesting immediate cancellation of this loan, refund of the withdrawn payment, and confirmation that no negative credit reporting will occur related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am filing this complaint regarding unauthorized XXXX  charges on my Apple Card issued by Goldman Sachs Bank USA. 

On XX/XX/year>, the following XXXX transactions posted to my account : {$53.00} {$87.00} {$70.00} {$90.00} {$80.00} {$49.00} {$34.00} I did not authorize any of these charges. 

I immediately contacted Apple Card to report fraud. While I was actively chatting with an Apple Card representative disputing the charges, additional XXXX transactions continued to post to my account in real time. 

Even after my virtual card number was replaced, further purchase attempts were still being made. 

Apple Card determined that two of the transactions ( {$49.00} and {$34.00} ) were fraudulent and reversed them in my favor. However, the remaining five transactions from the same date, same merchant, and same compromised card were denied and labeled authorized. 

I requested documentation supporting this determination, including IP address data, device information, and authentication method. I was only told that their records indicate the transaction was authorized, without explanation of the specific evidence relied upon. 

If fraud was acknowledged on this card during the same incident window, it is inconsistent to classify the remaining transactions from that same sequence as authorized. 

I am requesting reversal of the remaining charges and a detailed written explanation of the specific evidence relied upon in denying my dispute. 

Attach : Email showing 2 charges reversed Declined attempts after card replacement Chat timestamps Device Info Apple Card XXXX Statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: IL

Complaint narrative:
I am filing a complaint regarding a debt being reported and collected related to XXXX home internet service and or XXXX. 
Approximately two years ago, I attempted to initiate service with XXXX and was provided Internet Service . The service never successfully activated, and I did not use the service. 
I attempted to return the equipment shortly after, but the store manager initially refused to accept the return. Approximately one year later, I called to complain that I was erroneously being called by a collection 's agency and that prompt me to contact XXXX again. The representative said that the store manager was incorrect and to try again. I then returned the Internet box on XXXX and XXXX accepted it. 
Despite this, XXXX charged approximately {$300.00} and sent the account to collections. The debt is now being pursued by two separate collection agencies and has been reported to credit bureaus. 
I dispute this debt. The equipment was never activated ; returned to XXXX  and accepted. It is inaccurate and unfair to continue collection activity and credit reporting under these circumstances. 
I am requesting : 1. Full validation of the debt, including proof of service activation and proof that equipment was not returned.

2. Immediate investigation of inaccurate reporting.

3. Removal of any collection accounts from my credit reports if validation can not be provided.

4. Written confirmation of the resolution. 
I believe this account is inaccurate and improperly reported.

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 2026-02-18 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Fraudulent charges totaling {$420.00} were made on my Target XXXX XXXX in XXXX, XXXX, and XX/XX/XXXX in the following amounts : {$140.00}, {$140.00}, and {$140.00}. 
I promptly reported these transactions as unauthorized and completed the written dispute process required by Target XXXX XXXX. On XX/XX/XXXX, I received written confirmation from the company that the charges were determined to be fraudulent and that the full amount would be credited to my account. 

The original card associated with the fraud was closed, and a replacement card was issued. I was repeatedly informed during multiple phone calls that the approved credit would be transferred to the replacement account. 

Despite these assurances, no credit has been applied and no refund has been issued as of XX/XX/XXXX. 

I have contacted the company numerous times over several billing cycles. Each time, I was told the credit would be processed, but the funds have still not been returned. On XX/XX/XXXX, I was advised that the matter was assigned to the Fraud Department under an internal case number but no timeline for resolution was provided. 

Because the credit has not been applied after written approval, I requested that the funds be issued by check. I also sent a written demand for payment. The matter remains unresolved. 

I am seeking assistance to obtain the return of funds already acknowledged by the company as unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
A number of merchants have no authorization to transfer money from my chime account that was deactivated from XX/XX/XXXX until XX/XX/XXXX last transfer

Company response to consumer: Closed with explanation