vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: U.S. BANCORP
State: CA

Complaint narrative:
Bank alleged I lived in an apartment complex I did live in 10+ years ago, but did not when the account was opened. I have mortgage statements showing I was living in a different residence at the time the account was opened. I would like to discuss this with the bank but when I try to reach out with the extension they provided with the letter they sent, the recording does not recognize the extension. Please let me know if I need more information to dispute if this account was actually opened in my name, please let me know.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received a debit card today in the mail from Citbank ( XXXX ). I then called their fraud department and opened up a fraud case. They could not confirm or deny over the phone.

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 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
At or around XX/XX/year>, my former landlord attempted to refund my security deposit via XXXX to my American Express High Yield Savings Account. 
My American Express savings account does not accept third-party wire transfers and only allows wires sent by the account holder. As a result, American Express rejected the incoming wire on the same business day it was received. 

American Express informed me that the wire funds were returned to the senders bank via XXXX and provided me with the IMAD number corresponding to the XXXX return. American Express confirmed verbally that the return was completed on the same day they received the wire transfer from the sender. 

However, my landlord states that they have not received the returned funds, even though almost one month has passed since the return date. 

I requested written confirmation or documentation from American Express confirming that the XXXX was returned ( for example, a trace confirmation or written transaction record referencing the XXXX ). American Express has stated that they can not provide any formal documentation or written proof of the returned wire, despite confirming verbally that the funds were returned and providing the XXXX number. 

Because American Express is refusing to provide written confirmation of the XXXX return, I am unable to demonstrate proof of the returned funds to the sender or their bank, leaving me unable to recover my security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Monterey Financial Services LLC
State: MO

Complaint narrative:
I was trying to take some online classes in order to change professions and ended up with XXXX XXXX who allowed you to finance the course through Monterey Financial. During the financing process I was not aware that most forms of payment unless require a fee to make the payment. Then if you miss a payment, they make many, many, many calls a day to get you to pay, but the only way to pay quickly is to incur a fee, even from a debit card, thus making something may already be hard to pay even harder, not to mention the product I got was lack-luster at best, so it is insult to injury to be paying off something so useless, but that was on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: PA

Complaint narrative:
I used PayPals platform because i figured they are a trusted, well established company. I have had nothing but trouble with accessing my funds ever since my package was delivered to the buyer ( XX/XX/year> ) and even before that date as well. I have stayed in contact with agents throughout this process and asked about release dates of my funds, what more I can do to have them released quicker and so on. On the delivery date, I made sure to contact a PayPal agent again to let them know it was delivered, as soon as possible. I was told by another agent on the phone, the previous day before delivery, that once I provided screenshots of all proof of delivery ( Which i did, with timestamps on one of the screenshots, pictures of the product and a summary of the shipment and text message proof as well from the buyer ) my funds would be released within 24 hours.Now it is past 24 hours later and still no funds. I contacted PayPal agains immediately after waiting the 24 hours and seeing no funds. I was then told from another agent just a little bit ago, that now there is an Issue on PayPals end and there is nothing they can do to release my funds and now say i must wait until the XXXX of XXXX which is the last day of the XXXX period window, since the XXXX of XXXX, XXXX I understand PayPal has security measures in place to protect buyers and sellers, but from the information that I provided to show proof of delivery, and after being told from multiple PayPal agents that my funds would be released within 24 hours from delivery and providing proof and yet the funds are still on hold and it has been 24+ hours and they say their is an Issue and i must wait another 8 days. That is absolutely unacceptable. I have been essentially lied to and told a numerous amount of different information from multiple PayPal agents which turned out to not be true. I have a large sum of money on hold and I have been patiently waiting for weeks on my funds and have shown nothing but respect to PayPal throughout the entire process and provided everything in my power to show proof of what was asked of me. I have been counting on this money as i have fell on hard times being laid off recently right before the winter time here in PA and with past due bills waiting to be paid and a grandmother that i reside with who, has XXXX, has made this entire process extremely difficult. Having access to my funds as soon as possible ( hopefully well before the XXXXXXXX XXXX XXXX XXXX XXXX will be nothing short of a tremendous help to me. It is only right at this point as the package has been delivered and all proof as been provided for said package. Thank you for your attention to this matter!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: The J. G. Wentworth Company
State: IA

Complaint narrative:
b'I hired JG Wentworth, XXXX XXXX XXXX It officially started XXXX XXXX XXXX XXXX I put in XXXX into their little secret savings thing or whatever they took XXXX a month out of my checking account on top of this I then added XXXX and another XXXX because I hate being in debt I called probably 15 or 20 people talk to XXXXXXXX the supervisor you name it the two credit cards XXXX XXXX cards I was in debt with and they added a loan for my XXXX XXXX XXXX which they were not supposed to because Ive been with them for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  on top of everything else. My credit score went from XXXX to so bad I cant even get a XXXX credit card at this point. I finally was so frustrated over the different answers and telling me the fees were included when they werent when I said I would accept the offer. I called XXXX XXXX three months ago and they told me that my debt was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was never informed of this. Ive never heard of this company Ive never heard of any of it. I had XXXX left to pay on all of this XXXX  debt thats all I had left. I picked up the phone on XXXX XXXX  and called XXXX XXXX XXXX and they said oh you XXXX I said no I dont thats the last time Ive heard certified letters again or sent to both of them asking for documentation asking who owns the debt. Its been two months today and I have heard XXXX nothing I fired JG Wentworth that day too and they gave me the XXXX back thats all they said they had left in my account. I have all the bank statements money theyve taken out the contract. The fee is unbelievable so breach a contract and this worker associates. Where did they come from? Why was I never told anything about this company and yeah, so Im just waiting for them to come sue me how unethical how wrong at every level I show a lot of grace but Im not a doormat for anybody and I will fight them death fight them because this is XXXX and wrong at every level. Nobody owes me anything I plan on paying the XXXX  off but the fact that they came back at XXXX this is a company Ive never heard of again and then sent me one email stating that I owed XXXX I said nothing back. I need a hero right now. This is beyond wrong at every level so XXXX  plus everything else later my credit is still trashed. Im so stressed out on top of taking care of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that Ive taken care of for XXXX XXXX years with no income, but pulling out my IRA out of my stock market. I have nothing left hardly and this is what I get for a company that was supposed to help me.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: WA

Complaint narrative:
My BD case was finalized on XXXX XXXX. I was awarded full settlement on all loans paid to Nelnet. I contacted Nelnet who said they never received notice of my case. I sent copies of my award letter and proof of all the payments made into my XXXX account. Nelnet said it would need confirmation from the XXXX of XXXX. 
Nelnet sent me a letter on XX/XX/year> confirming receipt of the XXXX of XXXX letter that all of my federal loans have been approved for discharge I am entitled to a full or partial refund of payments made to my loan servicer. The letter also states all of my loans have now been XXXX. 
It lists all of my loan disbursements : XXXX in total for an amount of {$76000.00}. which is slightly less than what is listed in my XXXX profile which equals {$77000.00} It does not provide any information on how or when I can obtain this refund but if I have questions to call XXXX which I did and spoke with XXXX who told me that Nelnet has no time frame on when refunds will be issued, they can take years to decide and after a decision is made, they inform the Dept of XXXX how much I am entitled to and the Dept of XXXX will notify the XXXX XXXX Treasury to issue me a check. When I asked XXXX if I could escalate this issue since it had already been 6 months since my BD ruling she offered to transfer me to the escalation team at Nelnet and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank decided to decrease my credit limit across all XXXX  cards I have in good standing with them, with zero warning that will significantly impact my credit score. 

I thought I had no problem with Citibank with any of these accounts, but as of XX/XX/year>, one of my account went from credit limit of {$12000.00} to {$4900.00}, another card with limit of {$3000.00} to {$1400.00}, last card from {$30000.00} to {$9400.00}. These changes made all three cards appear close to maxing out, which has significant impact on my credit score. 

The email state that they pulled information from XXXX  and decided that my revolving balance is too high, but this is nothing new. I wasn't applying for any new account. I have not inquired to increase my limits or decrease my limits, in fact, Citi decided to increase my limits months ago.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am submitting this complaint against LVNV Funding LLC regarding a collection account that is being illegally reported twice under the same account number ( # XXXX ) for {$1200.00}, with the alleged original creditor listed as XXXX XXXX XXXX. XXXX tradeline is reported as LVNV FUNDING LLC and the other as LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX  ), both reflecting the exact same balance and account number. This constitutes duplicate reporting, which is inherently inaccurate, misleading, and prohibited under the Fair Credit Reporting Act and XXXX XXXX reporting standards. A single alleged debt may not be furnished multiple times in a manner that inflates or distorts a consumers credit profile. 
In addition to the duplicate reporting, I never received the required written notice of this debt prior to it being placed on my credit report. This is the first and most serious violation. LVNV failed to provide the mandatory initial notice required under FDCPA 1692g ( a ), depriving me of my right to timely dispute the debt before adverse credit reporting occurred. That violation alone carries statutory damages of up to {$1000.00}, which nearly equals the amount LVNV is attempting to collect. After discovering the account, I formally requested debt validation well over 60 days ago. Despite this, LVNV has continued to report and attempt to collect without providing lawful validation. To date, LVNV has failed to produce a single document demonstrating that this debt is accurate, legally owed, or that LVNV has authority to collect or report it. Proper validation requires, at minimum, the original XXXX XXXX agreement bearing my signature, a complete itemized accounting of the balance, the date of first delinquency, a full chain of title or assignment from XXXX XXXX to LVNV, proof of LVNVs legal authority to collect, and evidence that the required written notice was properly sent and delivered. None of this has been provided.

LVNV Funding is a well-documented junk debt buyer with a long history of consumer lawsuits, regulatory actions, and enforcement proceedings for improper collection practices, including filing lawsuits without proof, mass litigation based on incomplete data, failure to provide validation, and inaccurate credit reporting. The conduct at issue hereduplicate tradeline reporting, failure to send required notice, and continued reporting without validationmirrors the exact unlawful tactics LVNV has repeatedly been cited and sued for nationwide. Continuing to furnish this account in its current form constitutes inaccurate reporting under FCRA 1681e ( b ), failure to conduct a reasonable investigation under FCRA 1681s-2 ( b ), violations of FDCPA 1692g, and noncompliance with XXXX XXXX accuracy and completeness requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Cordoba Legal Group, PLLC.
State: MO

Complaint narrative:
First, the name on my account with them is XXXX XXXX. I have gotten married since I started this account. 
I hired XXXX-Cordoba to help me negotiate and consolidate my debt. I have received multiple letters from creditors stating my payments are seriously delinquent and my credit has been harmed because no work had been done on my case but they had collected 3 payments. I was told that I was at fault because I had not stopped completely paying my debt and it could not be settled until I did. Im glad I did continue to pay the majority of them or things could get worse.

I have demanded my money back and was told by my representative for XXXX Cordoba, XXXX XXXX, that I would be getting my money back once my third payment cleared. I have received calls that I feel are to convince me I did something wrong and confuse me. I have refused any further calls and told them I will only communicate via email moving forward.

I informed them that I am filing complaints with you all and the MO Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am filing a complaint regarding Bank of Americas denial of my XXXX dispute for services not rendered. 

On [ insert date ], I sent a {$500.00} XXXX payment to a hairstylist as a deposit for a hair appointment. After the payment was sent, the merchant failed to provide a confirmed appointment time despite my repeated attempts to contact her by text and phone. My messages went unanswered for days and my calls went to voicemail. 

Because the merchant did not confirm an appointment time and failed to communicate, no service was ever provided. I attempted multiple times to resolve the issue directly with the merchant before canceling. Only after I requested a refund did the merchant respond, offering excuses and attempting to reschedule, but still without acknowledging the prolonged lack of communication. 

I canceled the appointment due to non-performance and requested a refund for services not rendered. The merchant refused, citing a non-refundable deposit policy. However, no service was performed, and the failure to provide the service was due entirely to the merchants lack of communication and failure to confirm the appointment. 

Bank of America denied my dispute solely because the XXXX payment was authorized, without properly evaluating that this was a service-not-rendered dispute, not buyers remorse or fraud. 

I am requesting that Bank of America reconsider this dispute, conduct a proper review of my evidence, and issue a refund for services not rendered.

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 2026-01-22 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: CA

Complaint narrative:
I received a vague collection call from National Credit Systems ( NCS ) stating I have an 'important business matter. ' I have no knowledge of any outstanding debts. When I called back to ask for the account number, the name of the original creditor, and their mailing address to verify this claim, the agent refused to provide any information and hung up on me. I am concerned about potential identity theft or fraudulent collection practices. I request full written validation of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report. The account listed below is the result of identity theft and was opened and/or used without my knowledge, authorization, or consent. I did not apply for this account, did not sign any contract, and did not receive any benefit from it. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 and 1681s-2, I am requesting that this account be investigated, blocked, and permanently removed from my credit file. 
Fraudulent Account Information : Navy Federal Credit Union ( NAVY FCU ) Account Type : Installment Auto Loan Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ( as reported ) Date Opened : XX/XX/year> ( also reported as XX/XX/year> ) Balance Reported : {$61000.00} Status : Collection / Charge-Off Comments : Charged off as bad debt ; dispute noted This account does not belong to me and is the direct result of identity theft. 
Under 15 U.S.C. 1681c-2, consumer reporting agencies and furnishers of information are required to block and remove information resulting from identity theft once notified by the consumer. Additionally, under 15 U.S.C. 1681s-2 ( b ), you are required to conduct a reasonable investigation and correct or delete any information that can not be verified as accurate.

I hereby request that you : Conduct a thorough investigation of this fraudulent account Immediately remove and permanently delete all related reporting from my credit file Cease all collection activity associated with this account Provide written confirmation once the investigation is complete Please be advised that continued reporting or collection of this fraudulent account after receipt of this notice may constitute willful noncompliance with the FCRA and applicable federal law.

Enclosed/attached are copies of my government-issued identification and proof of address for verification purposes. I am prepared to provide an FTC Identity Theft Report and/or police report if required. 
Please respond in writing within 30 days, as required by federal law. 
Sincerely, XXXX XXXX XXXX

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I scheduled a payment in the amount of XXXX to be made to my Capital one Quicksilver card using my other bank account since I had not transferred the money over. I received a text message from Capital one, saying '' we would like to clarify some details about a payment made on your XXXX Credit Card ending in XXXX. To protect you, we restricted your account to prevent new transactions until this is resolved. Please call us at XXXX. When you call, we may need to contact the bank you used for this payment and the bank account owner, it that isnt you. 
So, I called and told them it was mine and they still wanted to call my bank. I did not feel comfortable about allowing them access to my account information and giving them permissions. The credit card company still took my payment and restricted my card. 

My point is that the bank the transaction was made from was not verified but they still took the money and applied to Capital one. Is this legal?

Company response to consumer: Closed with explanation