vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Hi, I reached out to Navy Federal for my credit card multiple times XXXX  even did a letter personally explain explaining to them what happened as well as gave them my police report I spoke with multiple supervisors, and I was told that the issue would be resolved, but it just kept being pushed to the side and saying that I was at fault after I showed them proof of being a victim of identity the multiple times also XXXX  contacted the credit bureaus. I reached out for help multiple times through the bank and they still charge me the full amount unfortunately which made my credit go down extremely bad created hardship for me. Also, I was charged {$800.00} to throw out the large chargers and settle. I paid {$800.00} just so it can be off of my credit and its still showing up on my credit account and that {$800.00} was a part of my rent. Navy Federal has not kept their word they have not sent me a proof of settlement for my letter as promise also have not taken anything off of my credit. They have not been truthful and XXXX requesting justice and for this to be taken care of as soon as possible and removed completely even if I can get my {$800.00} reimbursed thank you so much and I hope you have a very blessed day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am writing to formally dispute the reporting of XXXX and XXXX late payments for the above-referenced account, which appear on my credit report for XXXX, XXXX and XX/XX/year>. 
These derogatory marks are inaccurate and do not reflect the true status of my loan during that period. 
In XX/XX/year>, I submitted a request for deferment due to financial hardship following job loss. That request was approved, and deferment was confirmed to be in effect from XX/XX/year> through XX/XX/year>. I have included a copy of my original email request, as well as confirmation of approval sent to me on XX/XX/year>. 
As such, this account should have been placed in deferment status before the late marks were reported. Reporting it as XXXX and XXXX days delinquent is inaccurate and harmful to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: WA

Complaint narrative:
I am submitting this complaint regarding XXXX Ones handling of a billing dispute on my XXXX credit card. 

On XX/XX/year>, I was charged {$2900.00} by a merchant operating as XXXX XXXX XXXXXXXX. 

I do not own any deeded interest, timeshare, points, membership, or transferable vacation property at XXXX XXXX XXXX XXXX XXXX XXXX. Written correspondence from XXXX confirms that I have no ownership interest. 

Despite this, the merchants contract identifies me as the Owner of a XXXX property and states that I am offering rental weeks at that resort. There was no underlying ownership interest for me to rent or sell. 

During the sales discussion, I was told that the company was working with XXXX in connection with rental or release activity, which created the impression of affiliation. After approximately XXXX months passed without any rental or resale activity, I contacted XXXX directly and was informed that they are not affiliated with the merchant and that I do not own any property there. 

The written contract also discloses that the company has sold XXXX ( XXXX ) vacation properties in the previous XXXX years. During the sales discussion, I was told that properties were selling and that results could reasonably be expected within approximately XXXX  months. The persuasive portion of the call occurred before the recorded verification segment. 

After the provisional credit was reversed, I contacted Capital XXXX and was told that if I provided proof that I was not affiliated with XXXX, the matter would be addressed. I relied on that instruction and submitted written confirmation from XXXX. After providing that documentation, I was then informed that proof of cancellation within XXXX  days was required. My dispute was based on misrepresentation and lack of ownership, not cancellation. The basis for review appeared to shift after I provided the requested documentation. 

XXXX XXXX treated this as a services rendered dispute and did not evaluate whether advertising a property interest that I do not own constitutes a legitimate underlying transaction. I believe XXXX XXXX failed to conduct a reasonable investigation under the XXXX Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The Bank of America secured credit card account is reporting incorrect and inconsistent information on my credit reports. The account has been closed for years, yet the credit bureaus continue to show inaccurate delinquency, incorrect payment history, and an account status that does not match the actual history of the account. 

I previously disputed this information, but the errors were not corrected. The information being reported is inaccurate and can not be verified as required under the FCRA. I am requesting a full reinvestigation and correction of all inaccurate information.

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 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: SC

Complaint narrative:
I've reached out to all companies listed below for a signed bill of sale and was told by all companies that they didn't have XXXX on file. This company is violating my rights. They have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ), yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under XXXX XXXX. XXXX ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. 
lead XXXX {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: PA

Complaint narrative:
Please make quick correction to my phone number : ( XXXX ) XXXX Also, please be aware that I sent XXXX separate Mobile Money Transfers to XXXX on XX/XX/XXXX to XXXX different individuals with different names and phone numbers. 

XXXX individual got their money {$26.00}. Fees added total remitted $ XXXX transfer was remitted directly through XXXX XXXX XXXX XXXX XXXX XXXX the other recipient hasn't received theirs since XX/XX/XXXX till today 's date. A Same amount {$26.00}. 

This second transfer had no fees. Because, per XXXX says : " If remittance are made directly from XXXX XXXX or from XXXX account to another XXXX account, there's {$0.00} fees. '' While this second transfer was remitted through my XXXX XXXX direct to the recipient XXXX Account. 

The funds were debited from my bank account. 

XXXX individuals - XXXX different names- XXXX different phone numbers- And they're NOT related. 

They're family/friends to me. That's all! 

And the XXXX individuals are not related in any way On XX/XX/XXXX, I sent Mobile Money Transfer via My XXXX XXXX to a family/friend in XXXX in XXXX amount of {$26.00}. 

I sent this money to the recipient in XXXX XXXX account. 

On Thursday, XX/XX/XXXX, My recipient in XXXX who sent the money through XXXX XXXX reached out to me that they were unable to get the money. 

I reached out to XXXX via their chat and phone call for assistance to the issue. 

On the XXXX XXXX, XXXX representative I spoke with - I have the call transcript and partial of the chat - failed to fully address my concern. 

Instead, the XXXX representative decided to address a transaction, which is first one, that I didn't call in about. 

On XXXX chat, while I was addressing the situation by uploading transaction images, XXXX XXXX representative consistently keeps disconnecting the chat. 

I kept calling back into XXXX chat, the same thing - While the chat is ongoing as I'm addressing the issue, the representative on chat seem angry, but I insisted that the transaction they were addressing has nothing to do with the transaction images I have already uploaded that they were seeing So, what the XXXX representatives was addressing, I was like XXXX doesn't seem to be helpful ' and the XXXX representative XXXX kept, time and again, disconnected the chat. 

So, I called XXXX, and the rep on the phone, again, couldn't address the issue for which I called. 

So, I told XXXX of the last XXXX representative on the chat that I was going to further the complain to you guys and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I reside in Florida. Sequium Asset Solutions , LLC has been attempting to collect an alleged telecommunications and cellular debt from me and has reported this alleged debt to credit reporting agencies. Florida law requires debt collectors to be properly licensed and authorized to conduct debt collection activity within the state. Based on my review, Sequium Asset Solutions , LLC does not appear to be authorized to conduct debt collection activity in Florida. On or around XX/XX/XXXX, I became aware that this alleged debt in the approximate amounts of {$450.00} and {$1200.00} was being reported on my credit report. This reporting has negatively impacted my credit profile. I dispute the validity of this alleged debt and dispute the companys authority to collect in Florida. I requested validation of the debt and proof of their authorization to collect in this state on or about XX/XX/XXXX but I have not received sufficient documentation. By reporting this account to credit reporting agencies while lacking proper authorization to collect in Florida, the company may be misrepresenting its legal status and furnishing disputed information without proper verification. I am requesting that : 1. The company provide proof of lawful authorization to collect in Florida. 3. The account be removed from my credit report if they can not demonstrate lawful authority and proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicated that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I would like to file a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate Consumer financial protection act ( CFPA ) Specifically, Cash app failed to take timeless effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as if they did not comply with era resolution requirements under Electric funds transfer act EFTA and Regulation E. These actions have caused significantly inconvenienced financial loss for me. Please resolve and appropriate redress on this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have been trying to get refunds for serval transactions I made by mistake or overpaid and they told me to get in touch with my financial institution and never reviewed my complaints only said case was closed due to fraudulent activity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cashapp reported my transfers from my various accounts as business income, they reported it to the franchise tax board as XXXX income which is false but now the XXXX is charging me {$5000.00} and are threatening to garnish my wages

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: IL

Complaint narrative:
A foreclosure deed was recorded against my property ( XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ; XXXX XXXX ) on XX/XX/XXXX with no notice, no service, no filings and no lawful foreclosure process ever provided to me. I received no foreclosure complaint, judgement, sheriff sale notice, docket, sale confirmation, sheriff 's deed, certified mail, or service attempts. Right-to-Know responses confirm no attempted service and no foreclosure docket exist. 

The only document I ever received before the deed was recorded was a COFFEE-STAINED packeted hand delivered by an unidentified individual, with no supporting documents, no identification, no lawful service procedure, and endorsed with only a first name. 

The first written communication referencing foreclosure or property removal was an email from XXXX XXXX, XXXX dated XX/XX/XXXX - believed to have been spam until opening it XX/XX/XXXX. On XX/XX/XXXX, I then received a letter dated XX/XX/XXXX ( more than two months after the foreclosure was conducted ) contradicting the foreclosure timeline. 

I request that all communication occur exclusively through the CFPB portal and that no external outreach be made to bank personnel or county level offices until documentation is reviewed. 

I am requesting that XXXX provide ( through the portal ) all foreclosure filings, service records, internal servicing notes, loss mitigation records, accounts, IRS reporting, and all records related to property entry and disposition. A full narrative and supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significantly inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I reside in Florida. Sequium Asset Solutions , LLC has been attempting to collect an alleged telecommunications and cellular debt from me and has reported this alleged debt to credit reporting agencies. 

Florida law requires debt collectors to be properly licensed and authorized to conduct debt collection activity within the state. Based on my review, Sequium Asset Solutions , LLC does not appear to be authorized to conduct debt collection activity in Florida. 

On or around XX/XX/XXXX, I became aware that this alleged debt in the approximate amounts of {$450.00} and {$1200.00} was being reported on my credit report. This reporting has negatively impacted my credit profile. 

I dispute the validity of this alleged debt and dispute the companys authority to collect in Florida. I requested validation of the debt and proof of their authorization to collect in this state on or about XX/XX/XXXX but I have not received sufficient documentation. 

By reporting this account to credit reporting agencies while lacking proper authorization to collect in Florida, the company may be misrepresenting its legal status and furnishing disputed information without proper verification. 

I am requesting that : 1. The company provide proof of lawful authorization to collect in Florida.

3. The account be removed from my credit report if they can not demonstrate lawful authority and proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Signed up For Account XXXX I still can not access it online

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: CO

Complaint narrative:
This is my third issue with Citi. 
I have a feeling they are using AI to process disputes. 

This is a dispute with XXXX for three bottles of sea buckthorn oil. 
The package was received damaged and returned. I assumed the refund was processed but later found out from XXXX that they are claiming there was an error or issue refunding me back to my Citi bank card. They emailed me multple times explaining this that even though they owe me the refund and have tried to refund me, it didn't go through. They told me to take this to my bank and they can reopen and win the dispute. 

I have sent this, word for word, to Citi bank several times. It makes no sense with such cut and dry support that this would be denied. My only thought is they are not using humans to investigate these disputes but rather using pure AI. 

XXXX  XXXX on XX/XX/year>

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 2026-02-22 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: GA

Complaint narrative:
In 2018, I became aware that my identity had been stolen and I filed a police report at that time. I did not fully understand the importance of completing a formal identity theft affidavit then, but I have now completed a Federal Trade Commission XXXX XXXX XXXX, which is attached along with my police report. 
The {$6900.00} collection account reported by National Credit Systems, originally from XXXX XXXX XXXX XXXX, is not mine. I previously disputed this account and requested validation, including a copy of the original signed lease agreement bearing my signature and documentation proving I am legally responsible. The company failed to provide a signed lease or sufficient documentation tying me to this account. 
I am formally notifying the company of this identity theft and providing supporting documentation. Under the Fair Credit Reporting Act ( FCRA 605B ), accounts resulting from identity theft must be blocked from reporting once proper documentation is provided. I am requesting the immediate removal of this fraudulent account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I used an in-network ATM machine on XXXX/2026 at approximately XXXXXXXXPM. The address is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Upon using the ATM I attempted to withdraw {$400.00} USD, the machine acts as if its dispensing my cash ( making counting sounds ) then stops and doesnt ever open the drawer for me to lift my cash. Instead it prints a receipt and keeps my money! I even tried to get help from the store clerk and she was VERY ignorant and XXXX towards me shutting down all help saying its not her problem then I tried calling the number on the ATM .. they claim its family owned and not directly connected to that specific ATM, I found that strange also. Contacted my bank ( Current ) and they have filed a dispute for me which has still yet to be updated with any refund or chargeback to my lost funds! The {$400.00} was debited from my account as if the atm dispersed my money as it should have! Please help there has to be some way to verify this was indeed a major technical error???

Company response to consumer: Closed with explanation