vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payactiv, Inc.
State: WA

Complaint narrative:
I am filing a complaint regarding my bank 's handling of a disputed hotel charge and the resulting negative balance on my account. The XXXX XXXX charged my account {$1000.00}. I disputed this charge and provided documentation showing that the hotel 's own billing billing statement reflects a final balance of {$0.00} after all payments were applied. I am not disputing that i stayed at the hotel. I am disputing the amount charged. The hotel records show that payments were already made through card payments, cash payments, and a prior XXXX booking. Despite this evidence, my bank denied the dispute and stated that I " authorized the charge, '' without addressing the documentation showing the amount itself is incorrect. The charge depleted my account and caused my balance to become approximately negative {$450.00}. My account was then frozen, preventing access to funds and interfering with my ability to receive direct deposits and pay bills on time. I requested both provisional credit and reconsideration of the dispute. Both requests were denied. I am requesting : A full reinvestigation of the disputed charge. Review of the bank 's handling of this dispute. Correction of the negative balance caused by this charge. The whole amount that was charged to me. Assistance addressing the financial harm caused by the frozen account and denied dispute. This situation has caused significant financial hardship, including delayed bill payments and risk to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On or around XX/XX/year>, I sent a payment of approximately {$4700.00} through Cash App to the user XXXX. I sent this payment because I was led to believe it was for a legitimate purpose/transaction. After sending the money, I realized I had been misled and that the situation was not legitimate. At that point, I believed I had been scammed. Shortly after the transaction, I contacted Cash App support to report the issue and requested help recovering the funds. I provided the transaction details and explained that I did not authorize or intend to complete a fraudulent transaction. Despite reporting the issue promptly and submitting a dispute, the claim was later marked as completed without reimbursement. I then appealed the decision and requested a supervisory review. This complaint is based on that sequence of events and the loss of funds connected to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV aka Resurrgent Capital has been attempting to collect a debt that has charged off and no longer valid as it is passed the 7 year window. They have illegally done re aging on both my XXXX XXXX and XXXX credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: LA

Complaint narrative:
I am a victim of student loan identity theft. I have provided the servicer, Central Research Inc., with a complete fraud discharge package, including an FTC Identity Theft Report ( Report # XXXX ) and a formal Police Report ( Case # XXXX ). Despite receiving this legal documentation, Central Research Inc. is engaging in the following misconduct : Illegal Documentation Demands : Central Research Inc. is stalling the discharge by demanding my high school and college transcripts. Per Federal Student Aid regulations and the Higher Education Act, transcripts are not a legal requirement for an identity theft/forgery discharge. Identity Mapping : After I reported the fraud, Central Research Inc. willfully updated the fraudulent account with my legitimate contact information ( address and phone number ). They are now using this " identity mapping '' to fabricate a link between me and a debt I do not owe. Fair Credit Reporting Act ( FCRA ) Violations : While the credit bureaus have temporarily removed the fraudulent accounts following my dispute, Central Research Inc. continues to attempt to verify the debt as legitimate. By willfully mapping my personal data to this account, they are creating the conditions for the fraudulent data to be reinserted into my credit file. I am requesting a full discharge of the fraudulent loan, an immediate reversal of the unauthorized data merging by Central Research Inc., and the complete deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I requested ally bank to refinance my brand new truck from a 23.09 % interest rate. But they refused. Ive paid over {$5000.00} in 6 months just for it to go all to interest. I understand they need to make money off of the loan but once this loan is paid off they will have double the amount due to interest.

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I created my etsy account I believe on XX/XX/year>, I was advised to create a paypal account because it would be safer. I received a bunch of emails that were supposedly from XXXX, saying that I had to put in my bank and credit card information. But I now believe that some of them were fake emails and they may have stolen my information that way because someone marked themselves as friends and family and transferred themselves {$1200.00} to their account. They transferred themselves in XXXX through Paypal. I contacted my bank and my credit card company and had to cancel my accounts so that this transaction did not go through. I also contacted PayPal that day and made a claim on on the transaction. They said there was nothing they could do until the transaction went through.When the transaction went through they said that it is legitimate transaction and it is coming from my IP address so they will not refund my account. I've disputed the transaction multiple times but they are saying they won't give my money back and I have to pay the whole amount or it will get sent to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against Jefferson Capital Systems regarding an account appearing on my credit report under account number XXXX with a balance of {$720.00}. I have no knowledge of this company whatsoever and I do not recognize this account. I was never contacted by Jefferson Capital Systems prior to this account appearing on my credit report, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires that a debt collector notify a consumer in writing within 5 days of their first communication. I am demanding that Jefferson Capital Systems provide me with documented proof that I authorized my personal information to be shared with their company. I never gave my consent for my personal and financial information to be furnished to Jefferson Capital Systems, and I am requesting full documentation showing how they obtained my information and under what legal authority they are using it. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, any entity that obtains a consumer 's credit information must have a permissible purpose for doing so. I am requesting proof of that permissible purpose as well. Since I have no knowledge of this account and was never properly notified before this hit my credit report, I am demanding that this account be immediately removed from all three of my credit bureau reports, XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint regarding a collection account currently being furnished by LVNV Funding LLC on my consumer reports. I dispute the accuracy and completeness of the reporting associated with this account and request a complete investigation. I request documentation supporting the reporting of this account and the basis for furnishing information to consumer reporting agencies. Please provide : 1. Documentation identifying and connecting my specific account to LVNV Funding LLC records 2. Complete account-level payment and transaction history 3. Itemized explanation of the balance being reported 4. Date of First Delinquency ( DOFD ) 5. Documentation supporting authority to collect and report this account 6. Documentation showing what information was supplied to credit bureaus 7. Documentation supporting the accuracy of all account information currently furnished I am requesting this investigation pursuant to rights and obligations arising under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including : FCRA : 15 U.S.C. 1681e ( b ) : Requirement for reasonable procedures to assure maximum possible accuracy. 15 U.S.C. 1681i : Duty to conduct a reasonable reinvestigation of disputed information. 15 U.S.C. 1681s-2 ( b ) : Furnisher duties after notice of dispute. FDCPA : 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in debt collection. 15 U.S.C. 1692f : Prohibits unfair collection practices. 15 U.S.C. 1692g : Requires validation and notice regarding the alleged debt. If the information being reported can not be substantiated and verified with supporting documentation, I request correction or deletion of inaccurate information and a written explanation of the investigation conducted. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: NC

Complaint narrative:
PayPal closed my account down after I tried verifying my identity with them multiple times and are refusing to let me transfer XXXX $ off of my account until XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo changed the minimum required monthly balance on the checking account that I had with them. They did not notify me appropriately. Apparently, the notification was sent and hidden in one of the monthly statements, and no other communication was sent after that. I logged into my account after a few months and realized I had been charged six months ' worth of monthly service fees. I called up Wells Fargo to ask what happened, and they told me the minimum monthly required balance had changed. I fixed the problem immediately and transferred funds to make my balance the required amount, and I requested them to reverse those six months ' worth of late fees/service fees. They told me they can only reverse two months ' worth of fees. The charge was unexpected and takes advantage of me as a consumer, not informing me appropriately that such a big change had been made to my account and then charging fees. Even after I had fixed the issue, they refused to refund the fees on my account.

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 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: MO

Complaint narrative:
XXXX submitted XXXX, uploaded add ' l doc. ( sent incorrect form ), corrected on XX/XX/XXXX when I realized I had sent incorrect docs., call servicer and was indicated my modification was closed because I did not submit correct doc. by XX/XX/XXXX. On letter rcv 'd dated XXXX the deadline was XX/XX/XXXX. I only found this XX/XX/XXXX date out after receiving letter via e-mail on XXXX. XX/XX/XXXX, Sent on XX/XX/XXXX ( had a difficult time opening this file on way they sent it ). Rcv 'd certified on XXXX ( date of sale ). On XXXX stmt. a sale publication was charged to my acct for {$500.00} on XX/XX/year>. Dates and communications are out of site!! Dual tracking and due diligence is in order for this one. Please see all docs. attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: FL

Complaint narrative:
Cash advance I borrowed {$900.00} XXXX paid {$1600.00} XXXX owe {$1500.00} I am requesting an investigation into this lending practice and a review of excessive interest and fees charged after repayment of the original principal amount multiple times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
There was an unauthorized charge on my credit card in the amount of XXXX XXXX From XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/year>. I did not authorize this charge. Ive attached an Invoice for estimate of installation of services for a mini Split on a business operated residence ( rental property ). I am also attaching a photo that is time stamped showing the old unit still in place, As of XX/XX/year>. Additionally I have completed and submitted a FTC Identity Theft report and requested new card and removal of charge multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I intentionally used my American Express Platinum Card to purchase a baggage fee with XXXX XXXX through XXXX in order to use the airline incidental fee credit associated with the Platinum Card benefit. Both XXXX records and the XXXX receipt reflect the XXXX XXXX as the selected form of payment. However, the charge ultimately posted to a different American Express card, apparently due to a payment processing discrepancy outside of my control. I contacted XXXX XXXX, XXXX, and American Express multiple times. XXXX and XXXX records both show the XXXX XXXX information correctly. American Express acknowledged that the charge posted to a different card and denied my request for the airline incidental fee credit because the transaction did not settle on the XXXX XXXX account. My concern is that all merchant-facing documentation reflects that I intentionally used the eligible Platinum Card for this purchase, yet I am being denied the associated benefit due to a processing discrepancy that I could not reasonably detect or prevent. I am requesting review and resolution of this matter, including consideration of a courtesy airline incidental fee credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet XXXX XXXX XXXX. I am a class member in the XXXX v. XXXX ( now XXXX XXXX XXXX ) settlement. Despite having received official notices of Full Settlement Relief in XX/XX/XXXX, my servicer, Nelnet, continues to report an improperly inflated balance and is still actively accruing interest in direct violation of the settlement terms. And has been doing so since XXXX, NELNET has been reporting and causing damage to my credit by improperly charging interest despite the terms under of the settlement, interest should not accrue while applications are pending or after relief is granted. COMPLAINT : Nelnet Student Loan Servicing SUBJECT : NELNET in Direct violation ( XXXX v. XXXX - now XXXX XXXX XXXX ), interest accrual, and credit reporting for student loan accounts. Complaint also sent to the following : Nelnet Student Loan Servicing ( Attn : Borrower Defense/Escalation Department ) U.S. Department of Education ( Federal Student Aid Ombudsman Group ) Consumer Financial Protection Bureau ( CFPB Complaint Portal ) PPSL ( XXXX XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Kovo
State: CA

Complaint narrative:
We were unable to extend you credit at this time due to unverifiable information on your background check : Re : Kovo account : Application issue Inbox Kovo Support XXXX XXXX ( XXXX minutes ago ) to me Hi XXXX XXXX We were unable to extend you credit at this time due to unverifiable information on your background check. Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is The Federal Trade Commission, Equal Credit Opportunity, XXXX XXXX XXXX, XXXX, XXXX XXXX DC XXXX. Sincerely, XXXX Customer Success // Kovo XXXX {$30.00} for every friend you invite with your personal referral code! Download the Kovo app at https : //www.kovocredit.com/download today. On Monday, XX/XX/year>, XXXX PM XXXX wrote : Transcript : [ Agent ] Hi XXXX, how can I help? [ User ] i got a message saying unable to proceed with your application Content : The user is unable to proceed with their application and received a message indicating an issue. XXXX XXXX ( XXXX minutes ago ) to Kovo XXXX, what does that mean? what is your method of verification, regarding this discrimination?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Stark Collection Agency, Inc.
State: TX

Complaint narrative:
This is now my second attempt communicating to provide valid documentation that the following accounts are in the result of fraud, THE STARK COLLECTION IS VIOLATING THE FDCPA BY STILL REPORTING FRAUDULENT ACCOUNTS THAT ARE IN THE RESULT OF IDENTITY THEFT. ( XXXX ) ( XXXX )

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
i got my identity stolen in 2023 and it was used at a XXXX XXXX XXXX XXXX clinic and i have never been to that facility nor to a XXXX XXXX clinic in general. i have fought this for 3 years and nothing gets resolved and nothing gets sent to me.

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
CLOSE Credit card XXXX - U.S. Bank Business Triple Cash Rewards Card Enough phone insults I have experienced connected to this card.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was out of town for a job and my backpack got stolen with all my belongings. Wallet, Keys, Phone, all my belongings. Someone used my phone and debit card and withdrew {$3000.00} cash and spent over {$1800.00} in transactions by the time I got a new phone and had a way to contact Wells Fargo. I had to find a way to book a plane ticket home from Florida to XXXX so I could get a new ID and phone in order to go to the bank and do all the verifications I needed to do to submit a fraud claim. Wells Fargo gave me provisional credits on the fraud transactions and then after investigations tried to tell me it wasnt fraud it was me who made the transactions. I called them 3 different times and got told theirs nothing further they can do about my money being missing now that the claim is closed. Wells Fargo is making false accusations and robbing me of my money.

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