vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I reached out in XX/XX/year> and was responded through cfpb portal that the account would be removed with XXXX XXXX. This need to be removed as soon as possible due to the response or will pursue with legal action for damage on credit report with this still remaining after receiving verification it would be removed. Please have this removed from all credit bureaus at the earliest convenience. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: NY

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a merchandise-not-received dispute. I purchased a custom wetsuit on XX/XX/XXXX. The merchant repeatedly delayed shipment and continued promising delivery into XX/XX/XXXX. No tracking number was ever provided and I never received the merchandise. I filed a dispute under XXXX merchandise not received ( Reason Code 13.3 ). Capital One denied the dispute solely on the basis that it was not reported within 60 days of the statement date. This is not a billing error dispute under the Fair Credit Billing Act 60-day rule. This is a merchandise-not-received claim governed by XXXX network rules, which allow disputes within 120 days of the expected delivery date. The merchant extended the expected delivery date into XX/XX/XXXX. Capital One refused to review the dispute under the appropriate XXXX reason code and instead applied the incorrect 60-day billing error standard. I am requesting that Capital One properly review this claim under XXXX 13.3 timing rules based on the extended expected delivery date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
For years and several applications I have applied for different credit cards with this bank. The latest was XX/XX/2026. Despite having excellent credit reports, excellent XXXX XXXX in the XXXX 's. High credit limits on all of my opened credit cards, as high as {$40000.00} om one card. A high 6 figure stable of 20 years income. Several high limit unsecured personal loans. Paid off mortgage, .Debt to income ratio is 1 %. No late payments ever. No over any limits ever. Successfully kept all cards current and open with monthly use. Most cards paid in full well before due dates. No minimum payments. All of that they continue to deny. It could be an act of Discrimination. Or the other reason maybe the computer system has my information crossed with another person with my name that has bad credit. The computer and algorithms makes mistakes but the human touch to rectify a mistake isn't happening. Incompetence is another factor when trying to get a live representative to look at the application. Another reason is I've been a victim of ID identity theft and have my credit bureaus frozen but I remove the freeze from all bureaus well before applying. I also have a fraud alert on all my bureaus as well. Other credit cards have asked for more information to confirm that I was the one applying for new credit, by sending a copy of a current bill, my drivers license as an example. The reason for my serious complaint is I was advised to get a secured card with a large down payment of {$5000.00} which I was willing to do, to start a relationship with them and overtime show consistency with them. I was again denied!! Zero liability, zero risk to them! Discrimination Absurdity. I take my credit and good name seriously everyday. Without good available credit many doors are closed to you. It's very very important to me. I just want to get to the bottom of my denials. Period. An approval should be issued now.

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 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am submitting this statement to formally report that the account listed under National Credit Systems, account number XXXX, with a balance of {$11000.00}, is the result of identity theft and does not belong to me. I did not open, authorize, or benefit from this account, and I was unaware of its existence until it appeared on my credit report. Any contract, agreement, or activity associated with this account was done without my knowledge or permission. Because this account was fraudulently opened or used in my name, I am requesting that it be investigated immediately and removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable identity theft protections. I am also requesting that any collection activity related to this account cease while the investigation is being conducted. I am willing to provide any additional documentation necessary, including a copy of my identification, a police report, and an identity theft report filed with the Federal Trade Commission. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Nelnet is lying to borrowers about their responsibilities regarding the repayment of loans that were transferred to them from other servicers. They are doing so in violation of Consumer Financial Protection Act of 2010 and Fair Debt Collection Practices Act ( FDCPA ) - 12 CFR 1006.18, amongst others. I have 3 MPNs that were provided by Nelnet upon my previous complaint - years XXXX, XXXX and XXXX. It is unclear to me if there are any other MPNs for which Nelnet is collecting loans. If there are any other MPNs and Nelnet can not produce such MPNs : THE COLLECTION OF ANY LOAN THEREUNDER IS UNAUTHORIZED AND ALL AMOUNTS DUE MUST BE DISCHARGED. ADDITIONALLY ALL PAYMENTS MADE MUST BE RETURNED AS ILLEGALLY COLLECTED. Further, my MPNs for XXXX or XXXX do not contain language related to the use of a loan servicer or a right to transfer of my loan. While, the MPN for XXXX states that the Department of Education has these rights, THAT IS NOT THE CASE IN THE MPN FOR YEARS XXXX OR XXXX. To be clear, I NEVER CONSENTED TO BE CONTACTED BY OR TO WORK WITH ANY ENTITY OTHER THAN THE DEPARTMENT OF EDUCATION OR ITS " DIRECT LOAN SERVICER '', AS REFERENCED IN BOTH THE XXXX AND XXXX MPN. The transfer to Great Lakes and Nelnet were CLEAR violations of the agreement made when the XXXX and XXXX XXXX were signed. Moreover, NELNET HAS LIED REPEATEDLY TO ME AND POTENTIALLY OTHER BORROWERS THAT IT SERVICES. In the latest correspondence sent to me by Nelnet ( page XXXX of the attached ) and over the phone, Nelnet has erroneously represented the following : 1 ) " [ The Education Department ] may transfer the loan from its current servicing company to a different servicing company of their choice at any time ''. This is a lie. Neither my XXXX or XXXX MPNs contain language to this effect. Nelnet is certainly aware of this and yet has repeated this lie constantly in the hope that they will trick enough borrowers into continuing to pay, despite a questionable contractual responsibility to do so. 2 ) " When you signed your Master Promissory Notes ( MPNs ), you agreed to keep your contact information current with your loan servicer. This can be found in the Rights and Responsibilities Section of your MPNs. '' This is another lie. THERE IS NO REFERENCE TO A LOAN SERVICER IN EITHER THE XXXX OR XXXX MPN. Again, Nelnet is attempting to warp the truth by fraudulently claiming that I made a representation about contacting Nelnet when, in reality, I NEVER AGREED EITHER EXPRESSLY OR IMPLICITLY TO HAVE ANY SORT OF CONTACT WITH NELNET. These are clear, documented lies purported by Nelnet to me and potentially others in official communication. There must be repercussions for these acts and I am prepared to take all steps necessary to ensure that a fair resolution is reached. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Back in XXXX my Robinhood account was closed and restrictions placed on accounting turned in required documents Robinhood sent me some of the funds and left remaining XXXX in account please help me retrieve my funds its been years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: WA

Complaint narrative:
I had a XXXX XXXX membership with the club located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I cancelled my membership onsite in XX/XX/year>. Despite the cancellation, the club attempted to charge my checking account again in XX/XX/year> and XX/XX/year>. Because the charge did not go through, I later discovered that an alleged balance was sent to a third-party debt collector, Aldous & Associates , for {$250.00}. I also returned to the club in person twice to discuss the issue, but the matter was not resolved. Since my membership had already been cancelled before the account was placed into collections, I believe this debt was referred in error and I dispute that I owe this balance. I am requesting that the debt collector provide validation of the debt, including the original agreement and a complete billing history showing how the amount was calculated. I also request that XXXX XXXX review my account cancellation status and recall the account from collections if it was sent in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
When I received this card I was making my payments online and then it blocked me from the site, due to no number on file, I tried to have number added and could not get to the right queue to make payment. I kept getting charge fees, so on XX/XX/2026, I called and requested the payoff balance and made sure that this was everything because I did not want to deal with them any longer, I paid the amount they gave me in full and had them close the card. Almost two months later the sent me a text and an email that I now ow {$28.00}, I called and spoke with a supervisor on XX/XX/2026 and let her know that I requested a full payoff and need this removed. I called to check on XX/XX/2026, now it shows I owe {$57.00}. Please help, this is a trap for customers that have financial troubles and it does not 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 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Re : Account Number : XXXX To Whom It May Concern : This letter serves as formal written notice pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. You are hereby instructed to CEASE AND DESIST all communication with me regarding the above-referenced account. Under federal law, once a consumer notifies a debt collector in writing that they refuse to pay a debt or request that communication cease, the debt collector must stop all communication except to : 1. Advise that further collection efforts are being terminated ; 2. Notify that certain specified remedies may be invoked ; or 3. Notify that the debt collector intends to invoke a specified remedy. You are directed to immediately stop contacting me by telephone, mail, email, text message, or through any third party, except as permitted under the statute cited above. Be advised that any continued contact outside of what is legally permitted will constitute a violation of federal law. I am documenting all communications and will not hesitate to pursue complaints with appropriate regulatory authorities and any other remedies available to me. This correspondence is not an acknowledgment of any debt, nor is it a promise to pay. I do not admit liability for the alleged account. Govern yourselves accordingly. Sincerely, -- - XXXX 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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: AR

Complaint narrative:
Dear XXXX XXXX XXXX XXXX This letter is being sent to you in response to your recent communication regarding the alleged debt referenced above. I am formally requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Be advised that this is not a refusal to pay, but a request that you provide proper verification as required by federal law. Specifically, I request the following documentation : 1. Proof that you are legally authorized to collect this debt, including any documentation showing assignment or ownership of the account. 2. A full itemized statement of the alleged debt, including principal, interest, fees, and payments made ( if any ). 3. A copy of the original signed agreement or contract that created the obligation. 4. The name and address of the original creditor, and any evidence showing how the amount claimed was calculated. 5. Proof that this debt is within the statute of limitations for collection in my state. Until this information is provided, you must : - Cease all collection efforts, including phone calls and written communication. - Refrain from reporting, or must remove, any related information from my credit reports with XXXX, XXXX, and XXXX, as unverified debts can not be lawfully reported. If you fail to validate this debt and continue collection efforts, you will be in violation of the FDCPAand subject to civil liability. Please provide all requested documentation in writing to the address listed above. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
XXXX. Failure to Prove Chain of Title The Bill of Sale ( Page XXXX ) is a generic assignment for a bulk pool of accounts. It explicitly states that the accounts transferred are described in an electronic file named XXXX. However, this original business record has not been produced. The " XXXX XXXX '' summary provided on XXXX XXXX is a document prepared for litigation rather than the original electronic Sale File required for ownership verification. XXXX. Inadequate Interest Itemization I continue to dispute the accuracy of the claimed balance. Statements reflect a massive interest charge of {$500.00} applied on XX/XX/XXXX. Simply stating this is " accrued interest '' is insufficient under the Credit Card XXXX, which mandates a " daily balance method '' of calculation. Please provide a, day-by-day itemization proving how this amount was reached. XXXX. XXXX XXXX XXXX XXXX Given the Plaintiffs documented history of regulatory enforcementincluding the XXXX CFPB XXXX Order regarding suing without documentation and the multi-state settlement regarding " robo-signing '' I am requiring strict adherence to evidentiary standards. The " XXXX XXXX XXXX '' on XXXX XXXX appears to be the same generic, non-specific document type cited in these prior legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: GA

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 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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I was charged a late fee of {$27.00} by PNC Bank on XX/XX/XXXX despite making more than the minimum payment on my credit card and on time ( due date was Sunday, XX/XX/XXXX and payment was initiated on XX/XX/XXXX via the PNC banking app ). My credit card payments are always on time. I contacted the bank on XX/XX/XXXX and they reversed the fee, but I am reporting this as a potential systematic billing error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
RADIUS GLOBAL SOLUTI is falsely reporting on my credit. I have never had any accounts with them. Per my research RADIUS GLOBAL SOLUTI 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 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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
In beginning XXXX I received a letter from U.S. bank saying they are closing my account. The issue was that i continued to have fraud and the incorrectly added a fraud claim on some items that were not fraud which caused my account to go into over draft when the reversed the charges. I called the bank 3 times in XXXX and today which is XX/XX/XXXX the are telling me the same. The bank is still holding my last direct deposit.

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 2026-03-03 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: NY

Complaint narrative:
XXXX either lost or stole my refund from a seller in the amount of XXXX. I called them 4 times! I called XXXX 2 times. I emailed the seller who said a refund was issued! XXXX said they always have trouble with XXXX!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal was linked to my XXXX XXXXXXXX XXXX XXXX My XXXX was stolen on XX/XX/year>, and a charge of {$5000.00} was made on PayPal by the thief to a co-conspirator. I reported the fraud to my bank immediately, and they reversed the fraudulent charges and disallowed the {$5000.00} fraudulent charge, along with other fraudulent credit card charges of approximately {$70000.00} on cards and accounts unrelated to PayPal. I had my identity stolen and dealt with this for 4 months. PayPal states they paid the {$5000.00} under the guaranteed payment, and even though PayPal agrees it is fraud, they say that because it was an " authorized device '' it's my responsibility. My bank reversed the payment on the card and under the Truth and Lending Act my responsibility for the fraudulent use of my card is {$0.00}. PayPal is threatening to send me to Collections in 8 days if I do not pay the {$5000.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation