vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. CXX/XX/XXXXe XXXX ) and the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the CRA ( 15 U.S. CXX/XX/XXXXe XXXX ( a ) ( XXXX ) ( A ) ). I am formally demanding the following documentation within XXXX calendar days from the date of this letter : The original signed contract or application bearing my signature showing liability for this debt. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. Your debt collector license number and the state ( XXXX ) in which you are licensed to collect. Your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return the account to the original creditor and permanently cease any further action on this matter. Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. XXXXn and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs. I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within XXXX calendar days will result in further legal action. Sincerely, 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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: WV

Complaint narrative:
I am filing a complaint regarding funds being withheld after the closure of my account with Current. My account was closed around XX/XX/year>. At the time of closure, approximately {$4000.00} remained in the account. On XX/XX/year>, I was informed by Current that my remaining balance had been approved for return after providing what they asked me which was my drivers license and utility bill no longer than 45 days ago and that a check had been mailed to me. I was specifically instructed to allow up to 14 days for delivery. It has now been more than 20 days since that communication, and I have not received the check. I have contacted customer support multiple times, but responses have been delayed, generic, and have not provided meaningful information regarding the status of my funds. I am requesting immediate confirmation of whether the check was actually issued and mailed, the date it was mailed, the address used, and if necessary, that the original check be stopped and reissued. I also request prompt release of my remaining funds through an alternative method if available. I am concerned because I have been given inconsistent information and continue to be denied access to approximately {$4000.00} that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I have been trying to figure out why my payment amounts are changing each month. I already done did a forbearance as well. They already have a lawsuit against them for reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
TransUnion has been maintaining inaccurate and fraudulent information on my credit file for approximately 18 months despite a prior dispute being submitted. TransUnions own records confirm the dispute was resolved but I disagree with the resolution, yet the false information remains. Specific violations include : ( 1 ) XXXX XXXX account showing false 60-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account was paid as agreed ; ( 2 ) XXXX XXXX closed/paid-off auto loan showing false derogatory notations with a {$0.00} balance closed since XX/XX/XXXX ; ( 3 ) XXXX XXXX XXXX account # ending XXXX for {$800.00} that is fraudulent and the result of identity theft I never opened this account ; ( 4 ) An unauthorized address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) appearing on my file tied to the fraudulent account. I have submitted disputes and TransUnion has failed to properly investigate and remove this inaccurate and fraudulent information as required under the FCRA.

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 non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Glacier Bancorp Inc.
State: CO

Complaint narrative:
In early XX/XX/year>, I suffered an extreme case of XXXX XXXX, which would put me in a coma on XX/XX/XXXX. Around XX/XX/XXXX, I was scammed. The scammer sent an email through my school portal, so I didn't worry about it being a scam. It was a job offer for around {$500.00} a week, and all I had to do was help this lady, who proclaimed herself as a financial professional, with her job. It sounds too good to be true, however I was in an extreme medical vulnerable state, and also a minor. After I had helped her send checks a few times, I grew suspicious and stopped and told her I would no longer do it. Since none of the funds were in my account, I thought I was no longer tied to it and that I would be okay. However, XXXX XXXX XXXX XXXXXXXX XXXX under Glacier Bank charged me {$960.00}, and refused to help us cover some of the money. They banned me from online banking and have been harassing me to pay it back since, but I believe this is unfair since I didn't hold any of the money and I was a minor under medical vulnerability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank is engaging in Financial Hostage Taking! On XX/XX/scrub> 2026, I went in person to Chase bank, deposited a {$9000.00} check, and made a withdrawal. I was not given a debit card and was told that it would be mailed. No one told me how long it would take, just that it would be mailed. My mailing address was XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX On XXXX XXXX, 2026, XXXX days later I went back into that same branch, sought to make a deposit, and was told that I could not. I asked sought information as to why, and was told that only the branch manager could override my denial. I then got on my phone ( which is a phone that can not receive text messaging ), called the Chase hotline, spoke to a woman, who told the bank clerk what she could do, and waited in the lobby for over XXXXXX/XX/XXXX After XXXX XX/XX/XXXXI was offered to speak over the phone to the branch manager ( who was off that day ), who then gave me all of these I'm sorries and forgive us, this and that's ; the spill of futility, and promised me she would look into my issue first-thing in the morning and call me. SheXX/XX/XXXX she never called me. On XX/XX/XXXX, I called Chase, and this time I was able to speak to a man ( XXXX accent ), and it is here when he gave me a cXX/XX/XXXXe, I changed my address to XXXX ( where I am temporarily visiting ) and gave a new phone number that could accept texting. For the first time I was able to see my balance, and I logged out. But afterwards, as I looked to make a withdrawal via XXXX, I was unable to that so I called again, gave my new number, but this time told again that the " system is not allowing me to send you a text ''. This is the same issue when I spoke to the man, but he gave me the XXXX, which is what allowed me to get access to my account. The next day, XX/XX/XXXX, I logged in and made a XXXX payout to my daughter. But then, Chase sent me an email message telling me that my bill payment transfer to XXXX bank was cancelled. This despicable outcome now leaves me no other choice but to accuse Chase of seizing my money ; money that they issued back. Chase has engaged in financial hostage taking and illegal seizure of funds that are mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I've moved a couple of times the past few weeks with a new mailing address and I have a new phone number. Citi bank says over the phone that they mailed a letter to the address on file that I need to call them with a verification code on that letter so they can give me access to my savings account and checking account. But I don't live at the address on file anymore and I don't have access to that mail box. I tell them this and they end the call. I receive my social security check to that Citi Bank savings account and they will not let me access my federal social security check. I haven't been able to pay my rent and im going to be homeless. Please 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 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I applied for a second mortgage and I applied through it through XXXX XXXX and I thought it was with with XXXX and it turned out about a month later it went to a place called Shell Point and Shell Point or just unbelievable they didn't send me any checks now like they won't even let me pay off the loaner give me a payoff figure

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/scrub> 2026, I enrolled in credit repair services and submitted XXXX XXXX disputes to TransUnion disputing multiple accounts as fraudulent identity theft items. The XXXX statutory reinvestigation window under 15 U.S.C. XXXX ( a ) ( XXXX ) ( XX/XX/XXXX ) has elapsed. TransUnion failed to resolve XXXX accounts that were simultaneously deleted by bothXX/XX/XXXXand XX/XX/XXXX during the same reinvestigation cycle : ( XXXX ) XXXX XXXX XXXX, account ending XXXX, balance {$31000.00} deleted by XX/XX/XXXX, still negative on TransUnion ; ( XXXX ) XXXX Bank XXXX, account ending XXXX, balance {$1900.00} deleted by both XX/XX/XXXXAND XX/XX/XXXX, still negative on TransUnion only. Both accounts are disputed as fraudulent identity theft accounts. TransUnion has failed to block these items within XXXX business days as required by 15 U.S.C. XXXX, failed to complete reinvestigation withinXX/XX/XXXX days under XXXX, and continues reporting items that XXXX other bureaus confirmed can not be verified, in violation of XXXX ( b ). A XX/XX/XXXX and Final Notice was mailed via XXXX Certified Mail on XX/XX/scrub>, 2026. No resolution has been received. What would be a fair resolution? field paste this :

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 2026-06-01 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I did a dispute from a company I never had business i talk to the bank i explained everything they denied me the the disputed I called again TD bank i explained everything with more re details I even told them i talked to the company was taking money from my account they said was fraud still pending i need money back that work so hard to earn it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On Sunday XX/XX/, 2026, about XXXXXX/XX/XXXX, a buyer paid me {$92.00} via Cash App for an item on XXXX XXXX XXXX I was present and saw him input the information on Cash App, confirming that he sent the money to the right account. However, a week later, the money still has not shown up in my account. The transaction number wasXX/XX/XXXXXXXX. The transaction said complete right after he sent the money, but the money never arrived in my account. The sender sent me screenshots of the transaction, which I have attached. Note that I changed my Cash App profile picture after the transaction and the new one is up on these screenshots, so there is no doubt that my account was the account he sent money to. I contacted Cash App support on Tuesday XX/XX/XXXX via in-app chat and phone, but they said they were unable to help me because that transaction number did not show up with my account. The sender also told me he contacted Cash App support, but I still have not seen the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi has never sent me a billing statement. When i went on line to view them, the system would not accept my information, saying I had no account. So now I have an outstanding bill on an account I don't have! I then called and was shifted around with no help for almost an XX/XX/XXXX Then I was told that the statements could be mailed, but it would take XXXX to XX/XX/XXXXdays. I would be charged interest and fees in the meantime. Then I was told they'd fax them, but no fax came through. This is unacceptable. You can't pay a bill you can't see.

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 non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by National Credit Systems ( Account No. XXXX ) on my XXXX credit report. I have never entered into any agreement with National Credit Systems, nor have I received any original documentation proving this debt belongs to me. I submitted a formal dispute to XXXX on or around XX/XX/2026. XXXX notified me that National Credit Systems verified the information as accurate. However, National Credit Systems has never provided me with any of the following : a signed original agreement, a complete account statement, proof they are licensed to collect debts in Florida, or proof they legally own or have authority to collect this debt. I also sent National Credit Systems a formal debt validation letter via USPS Certified Mail requesting documentation. They have failed to provide adequate proof this debt is mine. The continued reporting of this unverified account is damaging my credit score and causing me financial hardship. This account is scheduled to remain on my report until XX/XX/2031. I am requesting that National Credit Systems immediately provide verified documentation proving this debt belongs to me, or permanently delete this account from my XXXX, XXXX, and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I logged into my Capital One XX/XX/XXXX app on XX/XX/XXXX2026 and saw that my rewards were drained. Someone hacked my account and used it to purchase a XXXXXX/XX/XXXX e-Gift card for {$150.00} on XX/XX/XXXX. I called XXXX to check the balance of the card and it was {$0.00}. Someone used it to purchase XXXX things on XXXX on XX/XX/XXXX. XXXX is investigating what happened. They said someone with a different name used the gift card. I have no idea how this happened. When I contacted Capital OneXX/XX/XXXXI received the following response : " Hello, I understand that you believe your Shopping Rewards were redeemed fraudulently and you are requesting to have those rewards reinstated. Unfortunately, we can not reissue Shopping Rewards that have been redeemed for e-gift cards. We have no liability for hacking or loss of your Shopping Rewards. Please see section XXXX of our Terms of Service for more details. To help prevent further fraudulent activity, we would recommend you change the password to your email account, Capital One XXXX account, and/or your ( retailer ) account, immediately. Best, XXXX Capital One Shopping Supervisor '' My virtual shopping rewards wallet was breached due to poor platform security. Capital One XXXX closed my inquiry without attempting to trace the malicious IP address or protect my data.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
XXXX 2026 I was a victim of fraud regarding a XX/XX/XXXX transaction that was not associated with the XXXX & XXXX service I requested A subcontractor came to my home and sold me a remote device that was a {$10.00} knock off via his private XX/XX/XXXX account for {$120.00}. I immediately contactedXX/XX/XXXX within XX/XX/XXXXof this fraudulent transaction after a legitimate XX/XX/XXXXservice technician alerted me to the fraud. XX/XX/XXXX opened a case that day but never followed through with the promised investigation. I was told today XX/XX/year>2026, that I would not be reimbursed, they would suspend MY account and I needed a police report in order to have the fraudulent XX/XX/XXXX workers XX/XX/XXXX account investigated. I am concerned the person who sold me the remote under false pretenses will continue to prey on unsuspecting customers.XX/XX/XXXX is punishing me, the victim, instead of stoping the perpetrator of the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
my email account was compromised by unauthorized third parties. After gaining access to my email, the scammers were able to access financial accounts connected to my personal information, including accounts associated with XXXX and XXXX. The unauthorized access resulted in fraudulent transactions being initiated from my Chase Bank account totaling approximately {$6000.00}. I did not authorize these transactions, transfers, or purchases. The transactions were conducted by criminals who gained control of my email and used that access to facilitate fraud involving cryptocurrency platforms, including XXXX and XXXX. As soon as I became aware of the unauthorized activity, I secured my accounts, changed passwords, and reported the fraud to Chase Bank. I also reported that my email account had been compromised and that the transactions were the result of a scam and account takeover. Despite these facts, Chase denied my fraud claim and has refused to reimburse the approximately {$6000.00} that was taken from my account. I am requesting that Chase provide all documentation, records, and evidence used in its investigation and denial of my claim. I am also requesting a full review of whether Chase complied with its obligations regarding unauthorized electronic transactions and account takeover fraud. I believe I was the victim of a sophisticated fraud scheme involving the compromise of my email account and the unauthorized use of my financial information through XXXX and XXXX. The transactions were not authorized by me, and I should not be held liable for losses caused by criminal activity. I respectfully request that the CFPB investigate this matter, require Chase to conduct a thorough review of my claim, and assist in obtaining reimbursement of the approximately {$6000.00} in unauthorized transactions. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation