vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 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: Block, Inc.
State: IA

Complaint narrative:
On XX/XX/year>, I sent a {$100.00} domestic payment via Cash App to a friend in Iowa. The memo field contained XXXX a typo of the recipients nameXXXX XXXX. The payment was flagged under compliance review. On XX/XX/XXXX, Cash App Compliance emailed me requesting an explanation and threatening adverse action. I did not see this email because I was communicating through in-app support, where no one mentioned that an email had been sent. In-app support told me I would receive an email. I never did the only email that existed was the XX/XX/XXXX message I had not yet seen. By the time I discovered the XX/XX/XXXX email on XX/XX/XXXX, the case had already been closed. I replied to both the compliance email and a Reopen Your Case email ( case XXXX, transaction XXXX ), explaining the typo and confirming both parties are Iowa residents XXXX I also contacted in-app support again as directed. The agent promised a follow-up email within 2 business days. No email ever arrived. On XX/XX/XXXX, I contacted in-app support a third time. The agent logged a new complaint ( case XXXX ), repeated the same 2-business-day email promise, and closed the chat. During the XX/XX/XXXX chat, the agent also suggested I contact local law enforcement. No explanation was given for what crime to report, as this is a dispute over a typo. At no point has Cash App responded to my explanation. No one has addressed the substance of my replies. Cash App has held {$100.00} of my money for over six weeks over a one-letter typo in a memo field on a domestic transaction between two Iowa residents . I am requesting immediate return of {$100.00} to my Cash App balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing a formal complaint against Midland Credit Management regarding an unverified collection account originally form XXXX ( account ending in XXXX ). I have previously disputed this item directly with the credit bureaus, and it was returned as verified. However, under the FDCPA, I am exercising mu right to demand physical verification of this debt. Because Midland Credit Management is a debt buyer, I request that they provide the complete chain of assignment, the original signed contract, and the itemized final billing statement from XXXX proving this exact balance. If Midland can not provide the physical, underlying original documentation within the required response window, this unverified tradeline must be deleted from my credit files immediately. Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Representatives were combative with me starting with demanding multiple forms of authorization that is not proper protocol. Calls that must be looked into : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pacific standard time on XX/XX/XXXX! Representatives were talking over me, utilizing incorrect pronouns when they're fully aware of my name and in addition, hanging up in my face over and over failing to do their jobs!!! Alternatively, a stop payment was not properly implemented and now theres another XXXX charge pending from XXXX thats going to result in overdraft fees. Theyre violating the letters of the law by not treating unauthorized transactions as fraud prolonging litigation. This also occurred with a dispute for a merchant : XXXX XXXX, I responded to all necessary information and there was even a confirmation number provided that it will be processed. Services were not rendered nor as described when I paid additional to have the pizza prepared a certain way. Afterwards, they never made an attempt to email me or call requesting the additional information than stating its passed the deadline for dispute filing when it was not filed properly and protocol wasnt followed. Additionally, I didnt receive my billing statements and was still charged interests rates for my accounts that werent properly informed via mail per our terms and conditions agreement as well as CA penal codes! Im requesting the CFPB to formally audit the call center and representatives that have failed their duties to mitigate, execute their task and do their jobs will engaging in consumer fraud.

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 2026-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I was terminated from company and returned XXXX XXXX to XXXX XXXX in ga. I didnt lease lease truck as a personal loan. This was a business transaction as I used my XXXX XXXX to do so as a lease operator. The total on my personal credit is {$5000.00}. This balance was to be placed on my business credit. Thats what llc is for ( dba )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
I am submitting this complaint regarding Capital Ones handling of my XXXX Capital One credit card account ending in XXXX. Capital One is continuing to report a XX/XX/year> late payment despite multiple good-faith attempts to resolve the issue. My last successful payment was in XX/XX/year>. During XXXX and XX/XX/year>, I only made payments over the phone through Capital Ones automated phone system. When I called, the automated system stated there was no payment due at the time. Capital One also had an incorrect email address on file, which prevented me from receiving account notifications or billing alerts. Before this issue, I paid {$100.00} when the minimum payment was {$28.00}. Once I became aware of the account issue, I immediately paid the remaining {$170.00} balance. I disputed the reporting with the credit bureaus and escalated directly to Capital Ones executive/compliance office. Capital One denied any system issue and refused to remove the late payment. I am requesting OCC review of Capital Ones account servicing, notification handling, automated phone system information, dispute review process, and credit reporting accuracy. I am requesting that Capital One conduct a manual compliance review and remove the XX/XX/year> late payment from all credit bureaus. Lastly when talking over the phone to a customer representative I was sent to links to file a dispute with them which were not working tried two diffrent links, three diffrent browsers and three diffrent devices I even have the emails that shows this effort. Yet they assumed when I called there was no technical issue. Which links not working screams technical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: IL

Complaint narrative:
This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX XXXX XXXX XXXX. If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice. I sent a dispute to all XXXX bureaus XX/XX/year>. Nothing was resolved.

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 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Dave Operating, LLC
State: PA

Complaint narrative:
This company has been waiving the balances of certain consumers. Consumers who owe {$300.00} or more. But when I request that same liberty, they keep rejecting it. They are scamming consumers. Why are some consumers expected to pay their overdue balance. But other consumers can ask for a waiver and it is given. I have proof of screenshots from actual users who have received waivers in the month of XXXX and XX/XX/year>. XXXX being the same month in which I am told I do not qualify for a waiver. In reality, none of us consumers qualify. But yet, they are extending the offer to other users with higher outstanding repayments. I am confident this is breaking consumer financial laws

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: IL

Complaint narrative:
This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX, XXXX, and XXXX. If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice. I sent a dispute to all 3 bureaus XX/XX/year>. Nothing was resolved.

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 2026-06-10 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: MD

Complaint narrative:
My complaint is about Chime AKA XXXX XXXX XXXX XXXX XXXX Chime failed to properly investigate a case of explicit merchant fraud. The merchant, XXXX XXXX XXXX, falsely claimed my health insurance was verified to extract a {$240.00} upfront copay. My insurance company has since confirmed that XXXX never contacted them and is out-of-network. The merchant lied to obtain my funds and is now withholding a refund for services that could not be legally or contractually rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Case XXXX with Federal Student Aid My Nelnet dashboard shows exactly {$15000.00} paid to date ( {$9800.00} applied to principal and {$5900.00} applied to interest ) .My original XXXX XXXX principal was only {$4700.00}. My dashboard principal payments ( {$9800.00} ) more than double that total. Nelnet is actively violating the XX/XX/year> federal Corinthian discharge order by carrying a remaining balance of {$3400.00} for XXXX XXXX and {$3100.00} for Chabot.Because Nelnet failed to process the automatic XXXX discharge, my lifetime payments were severely misallocated. The only reason Nelnet shows a remaining XXXX balance of {$3100.00} and a XXXX balance of {$3400.00} is because they have kept the fraudulent XXXX loan active for years. They have been siphoning mypayments into XXXX 's principal and interest instead of zeroing XXXX out and applying my payments to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
Im writing to file a complaint against JEFFERSON CAPITAL SYSTEMS for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
Subject : Approved Borrower Defense Relief Remains Unresolved No Accounting of Relief, Partial Discharge, and No Refund Determination I am filing this complaint regarding the handling of my federal student loans following approval of my Borrower Defense claim. I was approved for Borrower Defense relief under the XXXX v. XXXX settlement. However, despite the approval, I have been unable to obtain a complete accounting of the relief that was approved, the loans that were discharged, any loans that remain outstanding, or whether I am entitled to a refund. My loan servicer, MOHELA, has informed me that it does not determine discharge amounts or refund amounts and that those determinations are made by the U.S. Department of Education. However, despite numerous attempts to obtain clarification, neither MOHELA nor the Department of Education has provided a clear explanation of my account status. The issues I am experiencing include : My Borrower Defense case continues to display " Processing Discharge. '' A XXXX XXXX XXXX feedback case submitted on XX/XX/XXXX remains unresolved. My case was escalated on XX/XX/XXXX and remains under review. I have not received a complete loan-by-loan accounting showing what relief was approved and implemented. I have not received a determination regarding whether a refund is owed. I have been unable to obtain a written explanation reconciling the information displayed on my XXXX XXXX XXXX a ccount with the status of my remaining student loan balances. I am not requesting new relief. I am requesting implementation, accounting, and explanation of relief that has already been approved. I respectfully request : 1. A complete accounting of all federal student loans covered by my approved Borrower Defense claim. 2. Identification of each loan that was discharged, including the amount discharged and the date of discharge. 3. Identification of any loans that were not discharged and the reason they were excluded. 4. A determination regarding whether I am entitled to a refund related to my approved Borrower Defense relief. 5. If a refund is owed, a calculation of the refund amount and an estimated timeframe for payment. 6. Written confirmation of whether my Borrower Defense discharge processing is complete or remains pending. 7. A written explanation identifying which entity is responsible for any remaining actions required to complete my approved relief. I have spent an extended period attempting to obtain this information through normal channels and through the XXXX XXXX XXXX feedback and escalation process without receiving a clear resolution. Thank you for your assistance. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am formally disputing the accuracy, completeness, and verifiability of the account reported as " LVNV Funding LLC '' on my consumer credit report. Pursuant to the Fair Credit Reporting Act ( FCRA 611 and 623 ), please conduct a reasonable investigation and verify : Account ownership and contractual liability Complete payment history Date of First Delinquency Current balance and past due amount Account status and reporting accuracy Compliance with XXXX XXXX reporting standards If you can not provide competent evidence verifying every element being reported, I request deletion of the account from my consumer file. Please provide : 1. Method of verification. 2. Name and contact information of the data furnisher. 3. Copies of documents used to verify the account. 4. Updated credit report reflecting investigation results. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I recently discovered student loans being serviced by MOHELA. I was under the impression that I was only obtaining a XXXX XXXX private loan for my education and was not advised at all about these additional loans. I am requesting a complete review of my account and an explanation of how these loans were originated, or authorizations associated with them. If these loans were issued in error or without proper authorization, I am requesting information regarding the process for disputing them and seeking discharge or cancellation. Thank you, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 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: MOHELA
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Untimely response