vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: EMG ACQUISITION GROUP, LLC
State: NV

Complaint narrative:
I revoked ACH authorization with this lender and notified my bank. Despite revocation, the company continued attempting electronic withdrawals. I contacted the company by phone and email to request cessation of all electronic debits and confirmation of revocation. The company refused to handle the matter by phone and did not respond to emails.

After ACH debits were blocked by my bank, the company began attempting to charge my debit card without authorization. These card charges were not approved by me and occurred after revocation of authorization. I disputed these transactions with my bank as unauthorized and canceled my debit card to prevent further access. 

The company has not provided any confirmation, response, or resolution and continues attempting to access my funds through multiple payment methods despite revocation and notification. I am requesting that the company cease all electronic withdrawals immediately and stop attempting to access my bank account and debit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: F.H. Cann & Associates, Inc.
State: NJ

Complaint narrative:
I was sent an alert today XX/XX/year> that a negative credit account was placed on my consumer report from a XXXX  party company called FH CANN & ASSOCIATES for an account from a school called XXXX XXXX for the amount of {$4800.00}, which I never attended. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I paid my account balance in full in the amount of {$2500.00} on XX/XX/XXXX. The payment due date was XX/XX/XXXX, making the payment 6 days late. Based on my long-standing experience with this account, late fees were historically not assessed immediately after the due date. After submitting the payment, I verified the account by phone two days later, as Comenity/Bread Financials online account system is frequently unavailable. At that time, the account showed a {$0.00} balance owed.

At an unknown later date, a {$41.00} late fee was added without adequate notice. Due to limited system access and the account showing a XXXX balance when I checked, I was not aware of any remaining amount due. As a result, this residual fee went unpaid and the account was later assessed a second {$41.00} late fee on XX/XX/XXXX, totaling {$82.00} in fees despite the balance having been paid in full. 

When I contacted Comenity Bank to request a courtesy waiver, my request was denied. I was informed that because a late fee had been waived once previously in XX/XX/XXXX, no further waivers would be granted, and that their policy had changed. I was never notified of any policy change, nor did I consent to revised terms or receive updated disclosures. 

I have been a customer since XXXX and promptly paid over {$2500.00} to satisfy this account. Assessing compounding late fees after full payoffwhen system outages and lack of clear notice prevented awareness of a residual balanceconstitutes an unfair and deceptive practice.

Additionally, I am concerned that these fees may result in inaccurate or misleading credit reporting, as the delinquency stems solely from fees added after the balance was paid and was not reasonably discoverable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 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: IN

Complaint narrative:
I am disputing an unauthorized {$1400.00} charge for a hotel booking through XXXX that appeared on my Apple Card in XX/XX/year>. 

I did not authorize this transaction. I never made a hotel booking, never received a booking confirmation, never received a cancellation notice, never received a refund, and never stayed at any hotel associated with this charge. 

After discovering the charge, I attempted to contact XXXX directly but was unable to reach them despite extended hold times. Because no confirmation or service was ever provided, I disputed the charge with Goldman Sachs. 

Goldman Sachs has repeatedly issued temporary credits and then reversed them, stating only that the charge appears authorized. However, they have never provided any documentation or evidence supporting this conclusion. I have not been shown a booking confirmation, reservation details, proof of hotel check-in, or any other evidence demonstrating authorization or delivery of services. 

Under the Fair Credit Billing Act, I am not responsible for unauthorized charges or for charges where services were not provided. Goldman Sachs repeated reversal of provisional credits without providing proof of authorization or service delivery constitutes a failure to properly investigate this dispute. 

I am requesting : 1. Permanent removal of the {$1400.00} charge 2. Written confirmation that I am not liable for this transaction 3. Assurance that my credit report will not be negatively impacted by this disputed charge I am submitting this complaint because my attempts to resolve this matter directly with Goldman Sachs have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I WAS THIS MORNING ONLINE SHOPPING. AT XXXX FOR CROCERYS AND IT SAID XXXX EMAIL ME AND SAID THEY BLOCK IT TO. ME HAVE ACCSESS ITS MY RIGHT OF LAW TO SPEND WHAT EVER I WANT ITS FOOD AND STUFF I NEED FOR MY HOUSE SO I DONT!! STARVE!! 
T I WANT .MY MONEY AS ASAP OR ILL GET SSA TO LOCATE THEM NOW AND ARREST THEM AND THEY CAN ITS MY RIGHT TO HAVE XXXX XXXX MONEY THAT SSA HAD GAVE ME GO FOR YEARS AS IVE. BEEN ON IT AT ALONG TIME 14 15 YEARS NOW!!! THANK YOU SIGN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: FL

Complaint narrative:
I have a collection debt of {$1100.00} from XXXX XXXX works on my credit report. As the moment the company XXXX XXXX XXXX XXXX is on charge of the collection. This debt do not belongs to me. I never lived before in that state and I never had an account with that company. I already contact them and also filled a dispute about this collection. I need help to remove it from my credit.

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 2026-01-30 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: CA

Complaint narrative:
I am filing this complaint against Nelnet Servicing , LLC for repeated, harmful servicing errors, misrepresentation of the amounts I allegedly owe, inaccurate credit reporting, failure to produce valid promissory notes for loans they claim I signed, and a breach of my personal data that has jeopardized my ability to verify that these debts are mine. 
XXXX. Misrepresentation and Miscalculation of Debt : Nelnet has reported inflated loan balances and payment amounts to the credit bureaus that do not reflect the terms of any valid promissory notes I have signed. I only have one executed promissory note, yet Nelnet is reporting over {$70000.00} in student loan debt tied to my identity. This misreporting includes 90-day late payments that have been inaccurately reported, damaging my credit. 
XXXX. Lawsuit Alleging Miscalculated Repayment Amounts : A class action lawsuit ( XXXX XXXX Nelnet Servicing , LLC, XXXX ) alleges that Nelnet grossly miscalculated monthly repayment amounts for borrowers and continued to report those inflated, inaccurate amounts to credit reporting agencies, even after disputes were submitted. According to the complaint, Nelnet reported a borrowers SAVE plan payment as over {$1900.00} per monthfar above what the repayment plan actually requiredleading to negative credit impacts and denial of a mortgage loan. The suit contends Nelnet failed to reasonably investigate disputes. 
XXXX. Inaccurate Credit Reporting : Nelnet has continued to furnish inaccurate and unverifiable debt data to Equifax, Experian, and TransUnion despite disputes. This likely violates the Fair Credit Reporting Act ( FCRA ) section 1681s-2 ( b ), which requires furnishers to accurately investigate and correct reporting errors. 
XXXX. Invalid or Missing Promissory Notes : Nelnet can not produce valid, signed promissory notes for the loans they claim I owe. Disbursements appear to have occurred without legally enforceable documentation, which would violate Title IV rules governing student loans and call into question the legitimacy of their claims. 
XXXX. Data Breach/ Identity Concerns : My personally identifiable information was accessed, used, or disclosed without my authorization, which suggests a failure to safeguard my data. Other borrowers have raised similar concerns about data security and potential identity theft related to Nelnets data practices. 
XXXX. Failure to Provide Documentation / Servicing Errors : Nelnet repeatedly fails to provide accurate billing statements, correct application of payments, or timely responses to disputes and requests for documentation. This has caused ongoing confusion, stress, and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have 4 cards through Synchrony XXXX XXXX, XXXX XXXX XXXX, XXXX and a home card. Closed all at no warning had some for 10 years almost payments never late pay more then min never max out or come close to on cards. Reason was high risk per my transunion report get ahold of them review report nothing has changed its the same everything in good standing nothing new has been opened or closed credit score is excellent so I ask them what on my report to them made me high risk and no one can tell me. I dont understand and its frustrating because I work hard to make sure I pay and keep everything in good standing.

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 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I paid this TJMaxx credit card account in full and closed it on XX/XX/year>. I never received the physical card. At the time of payoff, I was told the balance was paid in full and the account was closed. 

A {$58.00} late fee that was not disclosed at payoff remained on the account. I was not notified that this fee was outstanding. Despite the account being closed, this undisclosed fee was allowed to age and was later reported as a XXXX day delinquency and a charge-off, causing severe damage to my credit score. 

I contacted Synchrony Bank to dispute the undisclosed fee and inaccurate credit reporting. Synchrony has since submitted a request to waive the late fee and remove the charge-off. I am filing this complaint to ensure the inaccurate reporting is corrected and that the charge-off and related derogatory information are deleted from my credit reports. 

I am requesting confirmation that the late fee is waived and that all inaccurate delinquency and charge-off reporting related to this account is removed from XXXX 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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Refund was issued by the merchant and was advised by the merchant that the refund was sent to my account on XX/XX/year> at XXXX XXXX  for the amount of XXXX XXXX. This transaction does not show up in my account anywhere, when talking to chime they insist there is no refund and it was reversed the same night of the purchase. Problem is no where in my account shows any credit at all from chime. When asking them where in my account a credit for the amount shows no one can give me an answer except that it was put back after being reversed, problem with that is no credit shows anywhere in my account. The problem I have with the explanation they are giving me is if it was reversed as they state, then why would the merchant issue a refund for the amount the following day and they are able to give an exact time it was sentseems very fishy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions delay of funds availability and account restrictions on my checking account. 

I opened this account separately and had no unresolved disputes on it. Despite this, my paycheck that was scheduled to be available on my normal pay date was delayed until a later date without explanation. 

When I contacted Navy Federal Credit Union, the automated system referenced a negative account that does not belong to this account and is tied to a separate unresolved dispute on a related member account. 

Navy Federal Credit Union has not provided a clear explanation or justification for delaying my wages or linking my account to a separate disputed matter. This has interfered with my access to earned wages and caused financial harm. 

I am requesting immediate availability of my funds and confirmation that my account will not be restricted or affected by disputes on other accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2025 I was trying to transfer money from my US Bank account to XXXX XXXX 
A pop up banner came to my attention stating that they ( I thought it was XXXX XXXX ) could help me with the transfer. I clicked on it and they said they could help with the transfer I gave them access to my computer. They darkened my screen so I could not see what they were doing. Seconds later US Bank called to inform me that they thought there was fraudulent activity on my account in the amount of {$1100.00} and {$1200.00} {$2300.00} total. I asked them how did they detect the fraud and they said the transaction was on the XXXX XXXX. The bank did credit my account for the full amount of {$2300.00}. Then they took the credit back then they re-credit it then took it away again?? I have talked with them several times each time being put on hold for at least 30 min or longer. They ( the Bank ) knew where my money way going, the acknowledge it was fraud and they still payed them off? I did not get any services rendered for the {$2300.00} and I would like it returned to my account. I closed that account and had my computer inspected for malware and anything left behind. I like my US BANK but I think the fraud department has a lot to be desired. The case number is 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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/26, I booked a XXXX XXXX  online for {$80.00}. The service was never provided. The merchant submitted false documentation, including a photo that is not me and a phone number that does not belong to me. I submitted photos to Capital One showing the evidence was false and requested they correct my account. Capital One reviewed the evidence but closed the dispute as no error found without addressing the fraudulent documentation. I am requesting a re-investigation and reversal of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: ME

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM ET, I returned a phone call to TD Bank employee XXXX XXXX ( XXXX XXXX ) at the XXXX XXXX XXXX branch ( XXXX ). I was returning a call based on an email I received from her requesting that I contact the bank. 

When I called, the employee immediately began discussing specific details of my account activity, including approximate dollar amounts of cash deposits over the past XXXX months and specific XXXX transactions they wanted to ask about. At no point during the call did she verify my identity through security questions, PIN, partial Social Security number, date of birth, or any other authentication method. 

This represents a significant security failure. I initiated the call, but the employee had no way to confirm I was the account holder. Anyone with access to my phone numberor anyone spoofing my caller IDcould have called that branch and received detailed information about my account activity. 

I am concerned that TD Bank 's identity verification practices on inbound calls are either inadequate as a matter of policy or were not followed by this employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WVH, LLC
State: CA

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by SIMPLIFIED REVENUE RECOVERY. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. SIMPLIFIED REVENUE RECOVERY can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and C. The date the account was acquired by or assigned to SIMPLIFIED REVENUE RECOVERY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting

Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Lendmark Financial Services
State: VA

Complaint narrative:
My account with Lendmark Financial as charged off in XX/XX/year>. I reached out to lender to surrender the vehicle for repossession and they refused to pick up the vehicle. The informed me I still owe which I understood and accept responsibility for the balance but I am in the process of moving to another state and I do not want to tow the car that I cant register or drive because it was charged off. I am considering filing XXXX  just no not have to drag the vehicle around that they already charged off.

Company response to consumer: Closed with explanation