vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I electronically deposited a payroll check from the State of Michigan through XXXX XXXX XXXX XXXX mobile app on XX/XX/XXXX. According to Navy Federals published Funds Availability policy, deposits made on a federal holiday should have funds available on the third business day after approval. 

On XX/XX/XXXX, I received an email stating that my funds would instead be held for up to XXXX business days. I contacted member services and a supervisor, neither of whom could provide an explanation or resolution beyond stating that the funds would be available by XX/XX/XXXX, which exceeds the stated XXXX business day timeframe. When directly asked what information did they receive and from where that indicated the check needed to be held, neither could explain. Again, this is a payroll check from the State of Michigan. The check comes from a government entity and is valid. 

Navy Federals website does not disclose the possibility of an arbitrary XXXX business day hold on deposited funds. The Funds Availability chart provided on navyfederal.org only indicates that the physical check should be retained for XXXX days, not that they would/could hold the funds themselves for XXXX days. I relied on these disclosures when depositing my check and scheduling bill payments, which are now impacted by this unexpected hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
To Whom it May Concern, I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681 et seq., regarding the continued reporting of TRANSWORLD SYSTEMS account that is CLOSED yet still appearing on my consumer credit reports. TRANSWORLD SYSTEMS is continuing to furnish information on this closed account in a manner that is inaccurate, misleading, incomplete, and not reflective of the accounts current legal status, in violation of federal law. Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher may not report information it knows or has reasonable cause to believe is inaccurate. Additionally, FCRA 623 ( a ) ( 2 ) requires furnishers to promptly correct or update information so that it is complete and accurate. Further, reporting a closed account in a manner that adversely impacts my creditworthiness without proper qualification or clarity constitutes materially misleading reporting, which courts have repeatedly held to be actionable under the FCRA. Failure of Reasonable Procedures Under FCRA 6239 ( b ) once a dispute is received-whether directly or through a consumer reporting agency- the furnisher must conduct a reasonable investigation and verify the accuracy of the information being reported. Continued reporting of this closed account without CORRECTION or DELETION indicates a faliure to maintain reasonable procedure to ensure maximum possible accuracy, as required by FCRA 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am writing to dispute the accuracy of the payments being reported by Nelnet. I experienced a brief hardship that resulted in missing exactly XXXX monthly billing cycles between XXXX and XXXX of 2025. I have since brought the account fully current and am up to date on payments. 

However, my credit report shows XXXX missed payments for this single event. This is because my servicer has split my single monthly obligation into multiple sub-loans and is reporting a late payment for every single sub-loan for each of the XXXX months missed. 

This reporting is factually misleading under the fair credit reporting act ( FCRA ). It creates an inaccurate picture of my creditworthiness, suggesting years of non-payment rather than a single 90day delinquency. I have always made XXXX single monthly payment to this servicer, and the reporting should reflect the number of billing cycles missed, not the number of internal loan identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
The company continues to call frequently and contacting my aunt early in the morning XXXX her phone number is ( XXXX ) XXXX. They also call me frequently back to back all day at ( XXXX ) XXXX. I want them to stop calling third parties and the only communication going forward should be by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Lendmark Financial Services
State: CA

Complaint narrative:
On XX/XX/XXXX i agreed to purchase a car from XXXX XXXX for {$7500.00} the salesman contacted Lendmark Financial Services and spoke with XXXX XXXX XXXX, we told her that we would be putting down {$5500.00} and was told that with tax, tiltle and fees the loan would be around {$3000.00}, We were told to get insrance and go to Lendmark Financial on Monday XX/XX/XXXX. XXXX already had the loan prepared and told us to start signing the loan agreement. she never disclosed anything to us, both he the salesman and XXXX added products to the loan with out our knowledge or consent and never even gave us a copy of the documents. we wore told a lie and we beleived XXXX our loanwas around {$3000.00}. This was the first time i have ever dealt with a loan.and we were taken advantage of because we are senior citizens and trusted these people. She clearly violated all the TILA laws. which specifilly says that every thing must be disclosed before we sighed the documenbts. She also commited fraud by adding products to the loan with out our knowledge, NOW I HAVE A LOAN OVER {$6000.00}. WHEN FRAUD AND TILA VIOLATIONS OCCUR ACTION AGAINTS THIS COMPANY MUST TAKE PLACE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year>, PayPal claimed to have completed a chargeback refund in the amount of {$250.00} USD ( Case ID : XXXX ). The refund was supposed to be credited to my debit card issued by XXXX XXXX XXXX 

Despite PayPal stating that the refund was completed and closing the case in our favor, the funds never arrived. 

I contacted XXXX XXXX XXXXXXXX, and they confirmed that no refund or chargeback credit was ever received, and no ARN ( Acquirer Reference Number ) exists for this transaction. 

Over the past XXXX months, I repeatedly contacted PayPal by phone and in writing, requesting the ARN / Refund Trace ID and official confirmation of where the funds were sent. Each time, PayPal either refused or was unable to provide this information and instructed me to wait, with no resolution provided. 

The refund has not been received, and PayPal has failed to provide necessary transaction details. I am requesting that PayPal either provide the ARN / Refund Trace ID so the bank can trace the funds, or immediately reissue the refund of {$250.00} USD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX charged an annual membership fee of {$52.00} after I attempted to cancel. They refused cancellation unless I appeared in person or mailed a handwritten letter, which I can not do due to lack of transportation and funds. The charge caused an overdraft and financial hardship. I am requesting a refund, cancellation, and overdraft fee reversal.

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 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: DC

Complaint narrative:
The debt is more than XXXX XXXX XXXX and they keep putting changing the dates and year of the debt on my credit report this was a debt in 2013 and they keep updating it like its a fresh debt this should not keep appearing on my credit report the Jefferson lock they keep changing the year of the debt in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I filed multiple complaints with Chase about fraud that has been on my account they gave me a temporary credit which is now reversed and I am now in debt {$980.00} multiple of these transactions I did not receive and I need a refund they told me to file a complaint for it to be reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: TX

Complaint narrative:
On XXXX I purchased clothes from XXXX. While checking out with my XXXX XXXX card the register crashed/ froze. The cashier said we would have to use a different register. Just in case the card did get charged we used my mother 's store card instead. That same day I checked the XXXX XXXX app and it showed the charge of {$250.00}. 
First time we called and got through to them after hours on hold they told us the store needed to fix it and sent us dispute paper work. The paperwork never arrived. My mother went in to XXXX and talked to a manager. They looked up both cards. They could see my mother card for the charges but mXXXX XXXX XXXX  card was not any their system for any purchases. She told us there is nothing they could do on their end that I would need to call XXXX XXXX. We called them again was on hold forever and then got yelled at continually by a rep, telling us to contact the store not them. Finally got this guy to transfer us to a supervisor. This guy told us our dispute was closed due to lack of evidence. He sent us another form this time by email. We sent it back with pictures of the receipt but here were almost XXXX  months in and I still have no resolution for this dispute. XXXX XXXX is doing everything they can not to help and I don't know why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: MS

Complaint narrative:
Original creditor XXXX XXXX refuse stated account sold to Plaza service. Once contacted only want to settle for amount of original loan. The loan had been refinanced through net credit for different amount. Each year since XXXX after disputing through XXXX XXXX XXXX XXXX service reset date as if the collation just occurred and my credit score has dropped XXXX and XXXX reset drop it another XXXX point as if XXXX. This deceptive practice has harmed me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am currently in a hardship and acquired XXXX overdraft fees. Although there was a grace period, I still did not have funds to fix the XXXX charge Wells Fargo let go through and XXXX although my account was already low. Ive asked Wells Fargo to decline any ach that XXXX through if I do not have the funds but they continue to let charges go through and them fees will occur.

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 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank closed my credit card account due to fraud while Im traveling abroad. 
I have no money with me ( {$150.00} ), and no other card. 

Bank gave me a virtual card to use, which does not allow me to withdraw funds but at least allowed me to make purchases. 
Today I made a purchase worth {$0.00} ( less than XXXX dollar ), and the bank disabled my card again. 

The bank is behaving like a bully and forcing customers to spend hours, when doing nothing wrong. The authorities must put a stop to it or make bank compensate clients for unreasonable shutdowns The bank already cost me XXXX  of dollars due to canceled orders, and now ruining 2 days of vacation and negatively impacting my health, and forcing me to make unnecessary expenses such as international phone calls.

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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Re : Formal Dispute Inaccurate Credit Card Account / Demand for Deletion To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and verifiability of the above-referenced credit card account currently being reported on my consumer credit file. This letter constitutes a dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Basis for Dispute Inaccuracy and Lack of Verifiable Documentation This account is inaccurate and/or unverifiable for the following reasons, including but not limited to : 1. Failure to Provide a Valid Credit Card Agreement You have failed to provide a copy of the original, signed, or otherwise legally binding credit card agreement that establishes my liability for this account. Without a valid agreement bearing my signature or other competent evidence of assent, this account is not legally enforceable and not verifiable under the FCRA.

2. Unverifiable Under FCRA 611 ( a ) ( 1 ) ( A ) Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation and verify the accuracy of the information. If you can not verify the account with competent, documentary evidence, the law requires that the information be deleted.

3. Inaccurate Reporting in Violation of FCRA 623 ( a ) Reporting an account without possessing or producing the underlying credit agreement constitutes the furnishing of inaccurate and misleading information, in violation of 15 U.S.C. 1681s-2 ( a ).

4. Incomplete Consumer File FCRA 609 Under 15 U.S.C. 1681g, I am entitled to full disclosure of all information used to verify this account. To date, no credit agreement or admissible proof of obligation has been provided. 

Demand for Permanent Deletion Because you can not produce a valid credit card agreement or otherwise verify this account as required by federal law, I hereby demand the following : Immediate and permanent deletion of this account from all consumer reporting agencies to which it has been reported Written confirmation that the account has been deleted and will not be reinserted Cessation of any further reporting of this account Please note that continued reporting of unverifiable or inaccurate information after receipt of this dispute may constitute willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, exposing you to civil liability. 

This is not a refusal to pay, but a lawful demand for accuracy and verification as required by federal statute. 

If this matter is not resolved within the statutory time frame, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General, and to pursue all available legal remedies. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My checking account was closed without clear notice or a detailed explanation. I requested written documentation explaining the reason for the closure, the account status, and any reporting made to consumer reporting agencies. The company did not provide the requested information. As a result, the account appears to be reported inaccurately and is causing ongoing harm. I am requesting a full investigation, correction of any inaccurate reporting, and written confirmation of the findings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received the Capital One credit card in XXXX. It was working from then on from XXXX. 
I started out as in XXXX limit got it all the way up to XXXX after interest due to me not being able to work from from XXXX to XXXX. I had to live off credit and they close my account. I tried to let them know that I was not working at the time not trying to pay them but they close the account anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
GoodLeap financed a solar system installation on my home that included a 25-year workmanship warranty and a 25-year roof penetration warranty. The installation caused roof damage related to penetrations and mounting points. 

The installer, XXXX XXXX, is now out of business. As a result, the promised warranties can not be honored, and there is no available remediation for the roof damage caused by the installation. 

I formally disputed the loan with GoodLeap. I am continuing to make payments under protest to protect my credit and because I am preparing to list my home for sale next month. This loan is associated with a UCC-1 lien, which may interfere with my ability to close.

GoodLeap has indicated that nothing can be done, leaving me responsible for property damage tied to financed work.

I am requesting that GoodLeap be required to : -Properly investigate the dispute -Address the failed workmanship and roof penetration warranties -Provide written justification for denial -Allow escrow of disputed funds at closing or offer appropriate remediation This situation places me at financial and legal risk through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: MD

Complaint narrative:
I am filing this complaint regarding multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) by the above-named debt collector.

1. Failure to Validate and Failure to Demonstrate Standing ( FDCPA 1692g ) I timely disputed the alleged medical debt and requested validation. The collector has failed to provide competent evidence establishing that it has lawful authority to collect or that I have any legal obligation to pay. 
Specifically, the collector failed to produce : Any bill of sale identifying this alleged account Any chain of title tracing the alleged obligation to the collector Any signed contract or agreement creating liability Instead, the collector sent an itemized hospital billing statement, which does not establish standing, ownership, or consumer liability and does not constitute proper validation under federal law.

2. Improper Third-Party Disclosure After Cease Notice ( FDCPA 1692c ( b ) ) After I explicitly instructed the collector to cease communications, the collector disclosed information regarding an alleged debt to my wifes phone number, a third party not authorized to receive such information.

This disclosure included collection-related information and occurred after a cease notice, in direct violation of federal law.

3. Continued Collection Activity After Cease Request ( FDCPA 1692c ( c ) ) Despite receiving my cease-communication notice, the collector continued collection activity by : Disclosing debt information to a third party Continuing collection communications outside of what is legally permitted 4. False, Deceptive, and Unfair Practices ( FDCPA 1692e, 1692f ) By continuing to collect without producing evidence of lawful authority and by using medical billing records in place of legal validation, the collector misrepresented the legal status of the alleged debt and engaged in unfair and deceptive practices. 
Requested Resolution I am requesting that the CFPB require the collector to : Cease all collection activity immediately Close the account or provide legally sufficient validation Confirm deletion of any credit reporting related to this account Provide written assurance that no further third-party disclosures will occur

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Newport Intermediate Inc.
State: NY

Complaint narrative:
I discovered that my personal phone number is being used on a XXXX XXXX account without my authorization. I have not given anyone permission to use my number. I am receiving multiple transaction notifications via text messages to my phone, indicating that money is being added or used on an account that does not belong to me. I contacted the company to request that my phone number be removed and released, but the issue has not been resolved. No Social Security Number or other personal information was involved.

Company response to consumer: Closed with explanation