vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 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: Persolve, LLC - Legal - Series 2
State: VA

Complaint narrative:
I am receiving repeated calls from a debt collection agency identifying themselves as XXXX regarding a person named XXXX XXXX. I do not know this person and have had my phone number for over 15 years. I have clearly informed the callers multiple times that they have the wrong number and that I am not the individual they are trying to reach. Despite this, they have continued to call me. During at least one of these calls, the representative was rude and dismissive when I explained the situation. I am requesting that this company immediately cease all contact with my phone number and remove it from their records. Continued contact after being notified that they have the wrong person may constitute a violation of the Fair Debt Collection Practices Act. I am documenting these calls and filing this complaint to stop further harassment. This debt is not mine and I have informed the company multiple times that they are contacting the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: CA

Complaint narrative:
This has been going on since XXXX. I have made some payments but mostly been unable to. In XXXX my whole tax return was taken around XXXX and I still owe around the price of the initial loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: Block, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding a dispute I filed through Cash App on XX/XX/2026, related to a transaction with XXXX. I am extremely frustrated with both the merchants refusal to resolve the issue and Cash Apps failure to properly handle my dispute in a timely and effective manner. On or around XX/XX/2026, I booked a stay through XXXX for my sisters birthday. Upon arrival, the property conditions were unsafe and did not meet basic expectations. Specifically, the driveway was not shoveled or salted despite winter weather conditions. As a result, my vehicle became stuck in the driveway for several hours, creating a hazardous and stressful situation. This directly impacted our ability to leave the property and attend a planned excursion, significantly disrupting the purpose of our trip. I contacted the host immediately, but the issue was not resolved in a timely or adequate manner. Due to the unsafe conditions and the inconvenience caused, I requested a refund through XXXX. However, XXXX refused to issue a refund despite the clear safety concern and failure to provide a reasonable accommodation. Because of this, I escalated the matter by filing a dispute through Cash App on XX/XX/2026. I provided supporting evidence, including details of the unsafe conditions and communication with the host. Since then, I have experienced a lack of communication and transparency from Cash App. For over a month, I received no meaningful updates regarding my claim. Recently, I was informed that Cash App is reaching out to the merchant and that a resolution may take an additional XXXX business days. This response is unacceptable given that : I already attempted to resolve the issue directly with XXXX, and they denied my refund. It has already been over 30 days since I filed the dispute. Cash App has not provided timely updates or demonstrated urgency in resolving this matter. I feel that Cash App has failed to properly investigate my dispute and has not acted in a reasonable timeframe. As a consumer, I relied on their platform to protect me from situations like this, and they have not met that expectation. At this point, I am requesting : An immediate escalation of my dispute A thorough and expedited investigation into my claim A refund for the Airbnb transaction due to unsafe and uninhabitable conditions A clear explanation for the delay and lack of communication from Cash App If this matter is not resolved promptly, I am prepared to pursue further action and explore additional complaints regarding the handling of my dispute. Thank you for your time and attention to this matter. I look forward to a prompt resolution. : : :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Complaint Regarding Wells Fargo Deals System Error I am filing a formal complaint regarding a reward miscalculation. On XXXX ( XX/XX/26 ), I made a qualifying dining purchase of {$64.00} on XXXX XXXX XXXX XXXX XXXX XXXX. On Saturday ( XX/XX/26 ), I made a small {$1.00} purchase on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your system incorrectly applied the XXXX XXXX dining offer to the XXXX purchase ( {$0.00} reward ) simply because it posted faster, ignoring the Friday purchase which occurred XXXX. Customer service agents claimed they " don't have authority '' and kept transferring me to an automated bot. This is a clear system logic error. I request a manual adjustment of {$12.00} to my account immediately.

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 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
someone opened an att account in my name I reported it to police with information that i had and att ensured me that they would handle to process. instead, they sold the debt and now the company is trying to collect debt that was opened in my name illegally.

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fee I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: WI

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Validation of Debt Request - MIDLAND CRED - XXXXXXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: IL

Complaint narrative:
I am requesting the immediate removal of the following account from my credit report : Self Financial/ Lead Bank, I do not recognize this accounts and did not authorize it. This accounts is reporting inaccurate and negative information that is harming my credit. I have previously been a victim of identity theft, and this appears to be a continuation of unauthorized activity. I have attached my FTC identity theft report as proof. I am requesting that these accounts be investigated and deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK
State: IN

Complaint narrative:
Complaint : I am submitting this complaint against Freedom Debt Relief for making material misrepresentations regarding the services they would provide, charging fees prior to achieving settlements, and failing to perform as promised. At the time I enrolled in their program, Freedom Debt Relief represented that they would negotiate with my creditors to settle my debts and that they would assist in the event collection actions were filed against me, including having counsel appear or otherwise provide meaningful legal support. These representations were a significant factor in my decision to retain their services. However, after enrolling in the program and making payments, Freedom Debt Relief has failed to fulfill these promises. Specifically : They have not effectively negotiated settlements with my creditors as represented. Creditors have continued collection efforts, including the filing or threat of lawsuits. Despite prior representations, Freedom Debt Relief has not provided counsel or meaningful assistance in responding to these collection actions. Any time I contact FDR they put me on hold transfer and disconnect me mid call. They charged and collected fees before successfully negotiating and finalizing settlements with my creditors. I have suffered financial harm, including continued accrual of interest, damage to my credit, and exposure to legal liability. Charging fees prior to the successful settlement of debts appears to violate federal regulations governing debt relief services, which generally prohibit the collection of fees before a settlement is reached, agreed to, and at least XXXX payment is made. These actions constitute material misrepresentations and unfair or deceptive practices. I relied on their statements to my detriment. Resolution Requested : I am requesting that Freedom Debt Relief : Provide a full accounting of all funds paid into the program ; Refund all fees collected prior to any valid settlements ; Refund fees for services not performed ; Cease any further misrepresentations regarding their services ; Provide documentation of any negotiations purportedly conducted on my behalf. I also request that the CFPB investigate this matter to determine whether Freedom Debt Relief is engaging in a pattern of deceptive practices affecting other consumers. Supporting Documentation : I can provide enrollment agreements, correspondence, payment records, and communications demonstrating the representations made, the timing of fees charged, and the lack of performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
I am disputing a rental debt being reported by this company. I have requested full validation of the account, including the original signed lease agreement, a complete itemized accounting of all charges, proof that I am legally obligated for this debt, and evidence that the company has the legal right to report it to credit bureaus. Despite my request, the company has not provided this documentation. The debt continues to be reported inaccurately to XXXX, XXXX, and XXXX, which is harming my credit. This reporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing this account due to new and time-sensitive information. As of XX/XX/XXXX, the collection agency, XXXX XXXX XXXX XXXX, confirmed in a CFPB response that : The account was recalled in XX/XX/XXXX They no longer have access to account-level information They requested deletion of the tradeline Despite this, the account was recently updated on my credit report and has negatively impacted my credit score. If the furnisher no longer has the account and can not verify the underlying information, continued reporting and recent updates of this account are inaccurate and violate the Fair Credit Reporting Act. This account can not be properly verified and must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: NY

Complaint narrative:
XX/XX/XXXX around XXXX XXXX My checking account balance of {$2300.00} was overdrawn by Wellsfargo from my XXXX account. I had contacted my bank and I was told that a credit was given to me the amount of XXXX on XX/XX/XXXX by XXXX XXXX and that was a fraud credit. Im confused because I dont know why wells fargo took my balance. I had contacted wells fargo but they are not able to help me.

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 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I have been a member of USAA for over XXXX years and recently became the victim of an account takeover fraud that resulted in a {$1000.00} unauthorized XXXX transfer. An unknown individual gained access to my account, added themselves as a XXXX contact, and transferred {$1000.00} without my authorization. I reported the fraud to USAA immediately and submitted all requested documentation. USAA denied my claim and refused reimbursement, stating that the transaction appeared authorized. However, this was clearly the result of an account compromise, not a legitimate payment I initiated. The fraudster was able to : Add themselves to my XXXX contact list Initiate a transfer to their account Remove evidence of the fraudulent contact These actions indicate that my account security had been compromised. I respectfully request that USAA : 1. Reopen and fully reinvestigate this fraud claim 2. Provide the evidence used to determine the transaction was authorized 3. Reimburse the {$1000.00} fraudulent transfer in accordance with the Electronic Fund Transfer Act protections for unauthorized transfers As a long-time customer, I am extremely concerned that USAA did not adequately investigate the account takeover and instead placed liability on the victim. I am requesting regulatory review to ensure this case is handled fairly and in compliance with federal consumer protection laws.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OR

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SERV - XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
As of XXXX have been advising that there was fraud on the account. The company advised they would report me on my credit bureaus if I did not make payments ; yet, making a payment according to the fraud investigator meant I had no fraud. Im a senior citizen, and they are practicing elderly abuse. I had asked to close the account then, but they refused, made me pay, and the balance never decreased. Fraud was never ethically reviewed because of the payment, which I was deceived and tricked into making. Now, as a senior citizen, I can not afford to. I did not charge up the cc. It is on my alert of CR, filing compaint with FACTA too. They violated UDAAP, FACTA, FDCPA, and Edery Abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: WI

Complaint narrative:
Using PayPal, I sent a friend, XXXX XXXX, {$210.00}, for shared meals. This was sent on XXXX XXXX. PayPal repeated says the transaction was complete and that XXXX XXXX has an account. XXXX XXXX tried to access the funds using the email address but they require a social security number. He refuses to give the online company private information. I waited a month and then contacted PayPal. The digital assistant says the transfer is complete. The human assistant was no more helpful. XXXX XXXX went through the same online process. I am asking that PayPal give the money to my friend or refund it to me. I will attach the original transaction and a test transaction of {$1.00} to verify the email. Attached is the email to XXXX XXXX that he used to try to get his money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I made an ACH deposit and purchased cryptocurrency on Coinbase. During the ACH hold period, the platform displayed that I could still send up to {$1000.00} per day while the bank transfer was pending. Based on this representation, I proceeded with the transaction expecting to be able to send the funds. Because I wanted to confirm this, I contacted Coinbase support regarding the ACH hold and the stated ability to send funds. After contacting support, my account was subsequently restricted from sending or withdrawing cryptocurrency. I had not attempted to send funds to any external wallet prior to this restriction, and I did not receive any notification indicating that my ability to send would be XXXX. Despite this, the platform had clearly indicated that sending up to {$1000.00} per day was allowed. I contacted Coinbase support multiple times to request clarification about why my account was restricted and why the platform displayed a {$1000.00} send limit despite this restriction. Several support agents stated they did not know why this message was shown, and no clear or consistent explanation was provided. In a later response, Coinbase acknowledged that the platform may have displayed that I could send funds at the time of purchase even though a restriction was in place. This confirms that the platform presented inaccurate or misleading information that directly influenced my decision. Because I was unable to use the funds as represented, I was forced to sell the cryptocurrency and withdraw the funds back to my bank account, incurring approximately {$40.00} in fees that I would not have otherwise incurred. I am requesting reimbursement of these fees due to the platform providing misleading or inaccurate information at the time of transaction.

Company response to consumer: Closed with monetary relief