vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MS

Complaint narrative:
I have/had a loan for Parent Plus and it was forgiven under the XXXX XXXX XXXX It is showing under my closed account on my credit. I have all the paperwork where it was forgiven and have a {$0.00} balance. But it's showing under on my credit that I owe XXXX. I am trying to see if it's was forgiven, why it is still showing up and have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Amscot Corporation
State: FL

Complaint narrative:
In the past I have taken out many personal loans thats affecting my credit score and unable to borrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I made a reservation for a car rental through XXXX using my Citi credit card ending in XXXX. The website states there is a XXXX hour period to cancel the reservation. Within that time frame my plans had changed and I made a second reservation, then attempted to cancel the first reservation within the time frame that is clearly stated on the website. When I attempted to cancel the first reservation, I clicked the link to click, and it gave me several options, but not one to cancel, it only provided a phone number. I then attempted to cancel the second reservation within the allowed time frame, and I had the same issue, no option to cancel once the link was clicked, only a phone number. So I contacted the rental car company directly through that number listed, and they told me I'd have to cancel on the website, but again, the website did not have that option. I then contacted my credit card company and filed two disputes, one for each reservation. They denied my dispute, even though I requested the cancellation within the appropriate time frame. I asked the credit card company to refile the dispute, but they have not responded. The XXXX Case ID # 's are : XXXX and XXXX, in the amounts of {$920.00} and {$760.00}.

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 2026-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
RE : formal Appeal of Dispute Decision Merchant : XXXX XXXXXXXX XXXX XXXX Amount : {$2100.00} Claim Number : XXXX To whom it may concern, I am writing to formally appeal the denial of my dispute regarding the charge from XXXX XXXXXXXX XXXX. This claim was filed due to a total failure of service and a breach of contract by the merchant, as the repair provided was defective and left the vehicle inoperable within days. The initial decision appears to have ignored significant, time-stamped evidence that contradicts any merchant claim of a successful repair. I am requesting a re-evaluation based on the following facts : Contemporaneous Evidence of Failure : On XX/XX/XXXX, just days after the XX/XX/XXXX repair, the vehicle suffered a catastrophic mechanical failure. I have provided time-stamped text message logs from the driver ( my daughter ) at the scene of the breakdown, explicitly stating the vehicle was inoperable and awaiting a tow truck. Proof of Economic Loss : Because the merchants repair failed so completely, the vehicle was traded in for a salvage value of only {$600.00}. Replacement Proof : Attached is a third-party Gift Affidavit and Purchase Contract showing I was forced to spend {$6800.00} on a replacement vehicle ( XXXX XXXXXXXX XXXX XXXX immediately following this breakdown. Logical Rebuttal : No reasonable consumer would pay {$2100.00} for a repair and then voluntarily incur nearly {$7000.00} in additional debt for a replacement car unless the original repair was a total loss. The merchant failed to provide the functional, safe vehicle repair for which I paid. Per the Fair Credit Billing Act, I am entitled to a correction of this billing error as the service was not as described and was not functionally provided. Please see attached documents of my daughters car breaking down four days after the car was supposed to be fixed. Also me buying her a new car why would I spend {$2100.00} on a mechanic just to spend another {$7000.00} days later if the car was fixed, very unsafe and put my daughter in a very dangerous situation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt is currently in XXXX XXXX XXXX, and I intend to sue my previous landlord for improper charges and damages. Ive made attempts to contact not only the previous landlord but also the collection agency. The account has already been disputed with all three credit reporting bureaus. XX/XX/XXXX, I received a piece of mail from national credit systems advising they were attempting to collect a debt XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX confirmed she would be pulling the account from collection while my concerns were being investigated. XXXX I received an email from national credit systems attempting to collect a debt XX/XX/XXXX I sent a cease communication request and a debt validation via email. No acknowledgement or response. XX/XX/XXXX I received a text message still attempting to collect a debt and offering a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a medical debt that appears on my credit report. I do not believe this debt is valid and request that you provide full verification of this account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, please provide : 1. Proof that this debt is mine, including documentation bearing my signature. 2. A detailed itemized statement of charges. 3. The name and address of the original medical provider. 4. Proof that the collection agency has the legal right to collect this debt. 5. Verification that this account has been reported accurately to all credit bureaus. If you are unable to provide proper validation of this debt, I request that it be immediately removed from my credit report. Please investigate this matter and respond within 30 days as required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Subject : Formal Complaint Unlawful Retention of Business Funds ( Account No. XXXX ) Dear Sir or Madam, I am writing to formally file a complaint regarding the closure of my business account ( Account XXXX. XXXX ) for XXXX XXXX, which was closed by your institution on XX/XX/2026. As of today, Chase Bank continues to hold {$4700.00} of company funds without providing any formal written explanation for the account closure or for the continued retention of these funds. Despite my efforts to obtain clarification, I have not received a clear justification, written notice, or timeline for the release of the remaining balance. These funds are business operating funds and are critical for ongoing company obligations. The continued withholding of {$4700.00} without explanation is causing financial harm to my company. I formally demand the following : Immediate written explanation detailing the reason for account closure and fund hold. Immediate release of the full balance of {$4700.00}. Issuance of a cashiers check mailed without delay to the official business address on file. If this matter is not resolved promptly, I will have no choice but to escalate this complaint to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency, and pursue any additional legal remedies available to recover the withheld funds, damages, and associated costs. I expect a written response within ten ( 10 ) business days of receipt of this letter. This matter requires your immediate attention. Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sezzle Inc.
State: NJ

Complaint narrative:
This message is in response to your notice you sent post dated XX/XX/year>. I sent you, meaning SEZZLE, a notice on XX/XX/year> informing you that a fraudulent account was opened with my information as a result of identity theft. You stated that the account can't be located yet you are currently reporting this account to the credit reporting agencies XXXX XXXX XXXX XXXX. I have provided you the information you've requested to complete your investigation. I am instructing you to remove the fraudulent account from my consumer reports at all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
chime offered me an instant loan. It had three different dates and I paid info my loan before its final due date was due now. Chime never gave me any notice or notification that payments would be paid in three installments. They only noted to me that I had three installments to pay the loan in full, but installments are not required.. So while the loan was in its third month before it was due, I paid it in full. I was not late. I paid the entire loan amount {$100.00} plus interest before the due date was due and Chime wants to decline me loans because they say I miss payments. They did not give me any type of notification or contract to sign the stipulates that I had to make payments on such and such day. They didnt send anything like that to me. They only said you have XXXX months to pay this loan in full, so I paid it in full in the final month before it was due just like when you buy something on your credit card you may not pay it off your first payment you may instead go the following month and then paid in full. You are not late. You paid the note before it was due time is also guilty of keeping my money. I had another account with Chime and I closed it out and they owed me {$140.00} from my account which never came and Ive called them numerous times about it and they told me that it would be in the mail, then they quit telling me anything at all they told me they didnt see any refund due. Thats when it really made me upset because Ive been waiting on my {$140.00}. Well I wanted this other company credit card company and I didnt like them because they didnt offer loans and other ways of obtaining cash throughout the month so I came back to Chime even though they kept my {$140.00}. I figure if I stay with them and not leave again I will not have to worry about losing my Money but they still owe me {$140.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
Complaint Topic : Credit reporting Incorrect information on credit report ( re-aging / obsolete debt ) I am filing a complaint regarding an inaccurate and potentially unlawful collection account being reported by Jefferson Capital Systems ( also shown as Jefferson Capital Syst ) on my credit reports. This collection appears to be re-aged and obsolete. Account details : Furnisher / Collector : Jefferson Capital Systems ( debt buyer for XXXX XXXX ) Partial Account Number : XXXX Date Opened ( as reported ) : XX/XX/XXXX Reported Balance : {$320.00} Status : Collection / past due Reported On record until : XX/XX/XXXX This collection is derived from a Verizon Wireless account that is more than 10 years old. Despite that, it is being reported as a newly opened collection in XX/XX/XXXX, which makes the debt appear recent and extends how long it remains on my credit report. Under the Fair Credit Reporting Act ( FCRA ), accounts placed for collection or charged off can not be reported beyond the allowable period ( generally 7 years + 180 days from the Date of First Delinquency ). Additionally, furnishers are required to report the correct Date of First Delinquency to prevent re-aging. I have disputed this account through the credit bureaus, but it continues to be verified as accurate without correcting the delinquency timeline or removing the account as obsolete. I am requesting the following resolution : A full investigation into whether this account is being reported with the correct Date of First Delinquency tied to the original XXXX account. Correction of any incorrect delinquency dates and deletion of the account if it is outside the legal reporting period. Written confirmation of the results of the investigation and a description of the information used to verify the accounts reporting dates. I am attaching supporting documentation ( credit report screenshots showing the reported open date and on record until date, and dispute history/responses ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Sir/Madam, I am a common citizen of XXXX, and I am writing to formally raise a complaint regarding my experience with PayPal. An amount of {$37.00} is currently being held in my account due to a limitation placed on it. I have contacted customer support multiple times to resolve this issue, but unfortunately, I have not received any positive or satisfactory response. Despite being informed through email communication that I am eligible to receive my funds, the amount is still not being released. This situation is causing me serious stress and frustration. As a regular user who depends on these funds, it feels extremely unfair that my money is being withheld without clear justification. I have email proof confirming my eligibility to withdraw the funds, yet no action has been taken. I respectfully request a proper review of my case and immediate release of my {$37.00}. I also ask for a clear explanation regarding the limitation on my account and why my eligible funds are not being provided. I hope this matter will be addressed promptly and fairly. Complaint against PayPal Its my PayPal account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
As a Bank of America credit card holder, I had a fully paid-off card with a {$10000.00} limit when a {$30.00} charge appeared. Autopay failed to cover it, and I received no notification from the bank. The payment went 30+ days late, which I discovered via XXXX XXXX and paid immediately.I 've contacted Bank of America for assistance, but they claim nothing can be done. I request an investigation into why autopay failedpossibly due to a recent return and overpayment that disabled it. The bank faces multiple class action lawsuits for similar issues.I 've never missed a payment on any account, maintained 100 % on-time history here until now, and the balance is zero. They've provided no proof of the lapse. This derogatory mark has severely impacted my credit, and I'd like it removed so I can end my relationship with the bank.Their autopay setup is deliberately cumbersome to generate fees, which feels predatory. They fail to notify about balances or autopay issues but bombard me with loan and card offers.I 've disputed this with all three credit bureaus. Any assistance is greatly appreciated.

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 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: ID

Complaint narrative:
I am filing this complaint because I have been severely harmed by the Department of Educations handling of the SAVE plan. I enrolled in the SAVE plan in good faith based on the promise of a {$0.00} qualifying monthly payment that would count toward the forgiveness of my loans. 1. The 'Lost Months ' of Forgiveness : Since about XX/XX/year>, my account has been placed in a forced 'litigation-related forbearance ' due to legal challenges against the plan. As of today, this has resulted in roughly 19 months of lost credit toward my loan forgiveness. I was told these months would not count toward IDR or PSLF forgiveness, even though I was ready and willing to maintain my {$0.00} payment status. 2. Failure of the 'Buyback ' Remedy : While the government mentions a 'buyback ' option, this is not a viable remedy for me. My payment was calculated at {$0.00} ; being told I can 'pay ' for months that should have been free is a failure of the programs original promise. 3. Financial Hardship : Because the SAVE plan is being dismantled, I am being forced toward plans like the IBR or the upcoming RAP plan, which have significantly lower income protections. These transitions will likely result in higher monthly payments, whereas under the SAVE plan rules, I was in good standing. I am requesting that the Department of Education and my servicer provide a pathway to credit these litigation-related forbearance months toward my forgiveness progress at the {$0.00} rate I originally qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Breit Investment
State: OK

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX XXXX XXXX which represents multiple brick and mortar signature loan companies, I reached out to them as I was wanting to settle debt owed however the representative ( XXXX XXXX continued to attempt to collect a debt for XXXX XXXX XXXX XXXX XXXX which was discharged in a XXXX XXXX XXXX in XX/XX/XXXX, she claims that the wrong location was included in that bankruptcy, however I have documentation which shows the original creditor along with other alias that the business could operate under. This situation needs to be addressed, and for this I believe that the agency should take a settlement for 3 other loans that are valid which are from mid XXXX and XXXX, they are Loans on May/ XXXX XXXX XXXX XXXX XXXX. I only called to work it out not to have someone illegally attempt to collect a debt from me.

Company response to consumer: Closed with explanation