vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have an active Borrower Defense to Repayment application currently under review with the U.S. Department of Education. I contacted my loan servicer,
Nelnet, to request administrative forbearance while my Borrower Defense claim i
s pending. Nelnet representatives repeatedly informed me that I am ineligible for forbearance beyond a limited amount of discretionary forbearance remaining on my account and stated that I would need to continue making payments during the review period, which I was told could take up to three years.

This information is incorrect. I am not requ
esting discretionary or general forbearance. I am requesting Borrower Defense administrative forbearance, which is authorized while a Borrower Defense application is under review and is not subject to the XXXX discretionary forbearance limit. 
Nelnet has provided conflicting and inaccurate information, directed me back and forth between Nelnet and XXXX XXXX contacts, and failed to apply the appropriate administrative forbearance associated with a pending XXXX XXXX claim. 

As a result, I am being improperly required to make payments on loans that are under federal investigation for discharge eligibility. I am requesting that Nelnet correctly apply XXXX XXXX administrative forbearance, suspend payments and collections during adjudication, and provide written confirmation of my loan status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like 30 days of no reaction. 

Please Remove/ Deleted the following Items. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$6700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Be blessed the fraudulent scam still transacting on my account My bills arent being paid and my credit rating is being tarnished This has gone on for 2 months already I refuse to wait another 60 days I have already opened a case of negligence with my legal team.

Penalties and interest raised because I can not pay my credit card bills Bank of America remain unresponsive

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 2026-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am writing to formally raise a concern regarding monthly maintenance fees charged to my checking account and the lack of accessible written customer support options. 

My account was charged a XXXX XXXX monthly maintenance fee in XXXX and a {$15.00} fee in XXXX. These charges were applied without my knowledge or clear prior notice, despite my account balance remaining above {$500.00} during the relevant periods. I maintained the balance requirement that I understood applied to my account at the time. 

It appears these charges may be the result of a change in account fee or balance waiver requirements that was not clearly or directly communicated to me. I acted in good faith based on the information previously provided, and I do not agree with being charged fees under these circumstances. 

Accordingly, I am requesting : A full reversal of the XXXX and XXXX monthly maintenance fees, and Written confirmation of the current requirements needed to avoid future fees on this account.

Additionally, I am concerned that there is no available option to contact Wells Fargo via email or live chat for account-related inquiries. The absence of written communication channels makes it difficult for customers to resolve issues transparently and without the need for phone calls. I respectfully request clarification as to why written support options are not available for my account.

If these fees can not be reversed, I would like to proceed with closing the account.

I look forward to your written response and resolution of this matter.

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 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: NY

Complaint narrative:
On Sunday, XX/XX/XXXX at around XXXXXXXX XXXX, I attempted to purchase a vehicle from XXXX XXXX XXXX XXXX XXXX. I paid a {$3200.00} down payment and a {$1800.00} shipping fee, totaling {$5000.00}. Less than XXXX hours later, around XXXX AM, I canceled the order. Despite the cancellation, the funds were still processed and withdrawn from my bank account. I have not received any email or text confirming my refund. Carvana states it can take 1015 days just to receive a refund notification, and an additional 1015 days to process the refund, which feels unreasonable and not consumer-friendly. To make matters worse, they continue encouraging me to place a new order and apply the funds instead of simply processing my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Payactiv, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding Payactiv , Inc. and their handling of unauthorized transactions on my XXXX XXXX prepaid card. 

On XX/XX/year>, three unauthorized card-not-present transactions were placed on my account by ebook merchants, including XXXX and XXXXXXXX XXXX XXXX, in the amounts of {$98.00}, {$77.00}, and {$9.00}. I did not authorize these charges, did not make these purchases, and did not enroll in any subscription or ebook service. 

I reported the unauthorized transactions to Payactiv promptly and filed a formal dispute. On XX/XX/year>, Payactiv issued a denial letter stating that no error occurred and that the dispute was closed. Payactiv did not provide any supporting evidence for this decision, including merchant receipts, proof of authorization, device or IP verification, or documentation showing my consent.

Payactiv has repeatedly instructed me to call customer service instead of resolving the matter in writing and has failed to provide copies of the documents used in their investigation, despite acknowledging that I have the right to request them.

I believe Payactiv failed to properly investigate unauthorized transactions, improperly denied my dispute without evidence, and is not following fair dispute resolution practices. I am requesting regulatory review and assistance in obtaining a refund of the unauthorized charges and correction of my account.

Payactiv replaced my card following my report of these unauthorized transactions, which indicates acknowledgment of possible unauthorized activity or compromised card information. However, despite replacing the card, Payactiv denied my dispute and concluded that no error occurred, without providing documentation or proof of authorization for the disputed charg

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The buy-here-pay-here dealership where I signed my contract, informed me that I would need to contact Credit Acceptance, the loan provider , to determine what options were available to reconcile my car payments after the vehicle became inoperable only two months after signing the agreement. When I contacted Credit Acceptance, they refused to provide assistance and would not validate or explain why the interest rate was significantly higher than what I originally understood when signing the contract. I also informed Credit Acceptance that my monthly payment amount exceeded what was reasonably affordable based on my income. I requested the opportunity to make reduced or adjusted payments that would allow me to both maintain my loan in good standing and afford necessary repairs to make the vehicle operable again. This request was denied. These circumstances are consistent with the allegations raised in the lawsuit against Credit Acceptance regarding lending practices and loan terms.

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 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX  provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/year>, my credit card was charged {$740.00} for a XXXX purchase. 

The merchandise was never delivered. 

XXXX initially confirmed that a refund would be issued, and a refund request was created on XX/XX/year>. The refund remained in in process status for more than XXXX weeks. 

Later, XXXX informed me in writing that a refund or replacement was not an option and explicitly instructed me to dispute the charge with my bank. 

Following XXXX instruction, I opened a chargeback dispute with Chase. I provided documentation showing that the merchandise was never delivered and that XXXX refused to issue a refund. 

Despite this, Chase denied the dispute and removed the provisional credit without providing proof of delivery or sufficient explanation. 

As a result, I have neither received the merchandise nor received my funds. 

I am requesting that Chase formally review and reconsider this dispute based on non-received merchandise and the merchants refusal to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX US code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$190.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: PA

Complaint narrative:
Company Name : Monterey Financial Services, LLC Method of Contact : Phone calls Dates of Contact : XX/XX/year> XX/XX/year> Call Log ( Known Calls ) : XX/XX/year> at XXXXXXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX XXXX 

Summary of Contact : Monterey Financial Services, LLC placed multiple phone calls to me over the above time period regarding a debt. The calls occurred on multiple dates, including more than one call on XX/XX/year>. 

Impact : The repeated phone calls occurred during daytime hours and disrupted my daily activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
Someone took my phone and cashapped themselves my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: NJ

Complaint narrative:
I am disputing a collection account from your agency that has appeared on my credit report without any prior notice or communication to me. This is my first awareness of this alleged debt, and I have significant concerns about its accuracy and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt your agency claims I owe. I am exercising this statutory right and demanding that you provide comprehensive validation, including the original creditor 's information, a detailed itemization of the amount claimed, and documented proof establishing my legal responsibility for this debt. All collection activities and credit reporting must cease immediately until proper validation is furnished.

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 2026-02-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Tower loan they linked and sold my information to a XXXX party and telling me I didn't pay off my loan and I did

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 2026-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-02-10 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: Chime Financial Inc
State: SC

Complaint narrative:
Company Name : XXXXXXXX XXXX XXXX XXXX Product Type : XXXX XXXX XXXX XXXX / Payment Processing Issue Type : Unauthorized Transactions/ Dispute Handling Failure Complaint Details : I am filing this complaint regarding two unauthorized transactions processed through XXXX in connection with Trust Wallet, which were debited from my account without my consent. 

On XX/XX/year>, the following transactions occurred : {$940.00} at XXXXXXXX XXXX {$900.00} at XXXXXXXX XXXX These transactions were not authorized by me. I did not approve, confirm, or benefit from these charges in any way. 

Immediately upon discovering the transactions, I contacted my financial institution and filed a dispute. The dispute reference number is XXXX XXXXXXXX, and it is currently under investigation. Despite taking prompt action, I am concerned that XXXX and/or XXXX XXXX have failed to provide adequate consumer protection, transparency, and safeguards against unauthorized activity. 

I believe these transactions constitute unauthorized electronic fund transfers under applicable consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing regarding the collection account listed on my credit report under your companys name. After reviewing my credit report, I am disputing the accuracy and validity of this account.

To date, I have not been provided sufficient documentation verifying that I am legally obligated to pay this debt, nor proof that your company has the authority to report or collect it. As such, I am requesting that this account be removed from all credit reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

If you are unable to provide complete and proper validation, including the original agreement and proof of ownership, you must delete this account from my credit file and notify all credit bureaus to which it has been reported. 

This letter is not an acknowledgment of liability for the alleged debt, but a request for correction of my credit report. 

Please provide written confirmation once this matter has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, South Carolina, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom Mortgage evaluated my VA home loan for loss mitigation following forbearance and, on XX/XX/year>, issued a determination approving only a 40-year loan modification at 6.625 % interest with a principal and interest payment of {$2600.00}. The servicer denied or did not approve a repayment plan, traditional modification, or 30-year modification. The modification offer did not include a clear, line-item accounting of how the modified principal balance was calculated, did not identify which forbearance-related amounts were capitalized versus deferred, and did not document whether a VA Partial Claim or other VA-authorized deferral option was evaluated. On XX/XX/year>, I submitted a written appeal and Qualified Written Request asking for a detailed accounting, VA compliance documentation, Net Tangible Benefit analysis, and comparison of available modification options.

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 2026-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hi, I was scamed on coinbase wallet for amount of XXXX XXXX XXXX. 

I was referd from XXXX  ( XXXX  ) the XXXX XXXX XXXX to submit a complaint to XXXX XXXX and Pensions Ombudsman ( XXXX ). Now after mor o less 2 year XXXX refer me to submit a complait to cfpb. I will hand over the hole case that was handle from XXXX. 

I have submit complaint on FBI site due to the scam and other sites to. 

I have also filed a police report in XXXX.

Company response to consumer: Closed with explanation