vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX XXXX that I owed {$10000.00}. This was for a credit card that I never opened from a bank that I never used. This is a fraudulent attempt to collect money that was never owed. I ran a credit report on XX/XX/XXXX and I have no history of this credit or debt in my entire credit history. 

The language in the letter was demeaning, threatening, and scary. 

This letter was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
In 2022, while I was renting a house, my personal identifying documents were stolen from the residence. 
The stolen items included my Social Security card and my birth certificate. 
After the theft, i began receiving notices of accounts and credit activity that I did not apply for or authorize. [ believe my personal information was used without my consent to open these accounts. I included the notification that my ssn and emails were compromised around that time also to show what happened.

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 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Bought a brand new 2025 XXXX XXXX in XX/XX/year>, the truck has been in and out of the shop since XX/XX/year> and still in having different malfunctions on this brand new vehicle, from engine light, rear view camera going out, power train malfunctions, XXXX lights, alarm randomly going off, trunk operates on and off track. Etc! 

Nevertheless with all this, there has been no communication and update while my vehicle is in service unless i call in or go to dealership! Unacceptable, not safe and no longer wants the problematic vehicle and need to buy back which is law for brand new vehicle!

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am filing this complaint because NTL Recovery Agency reported a collection account to TransUnion without ever notifying me of the alleged debt. 
I did not receive any initial communication, notice of debt, or opportunity to dispute prior to this account appearing on my credit report. I first became aware of the alleged debt only after reviewing my Experian credit report. 
Additionally, the account is being reported with inaccurate and misleading information. XXXX XXXX lists XXXX XXXX XXXX as the original creditor, despite the fact that I never had a consumer relationship with that entity. This is a misrepresentation of the nature and origin of the debt. 
The collection is also being reported as an open account, which is inaccurate and misleading for a collection account and materially impacts my creditworthiness. 
Despite the lack of prior notice and the inaccurate reporting, XXXX XXXX continues to furnish this information to Experian. This has caused harm to my credit profile and interfered with housing-related financial decisions. 
I am requesting that XXXX XXXX either provide competent proof of their authority and the accuracy of this account or permanently remove the tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: SC

Complaint narrative:
I've been trying for over a year to reorder a cash app card which I've had one for years .. when try to order it gives an error message and no one can tell me why cash app says no further information they have... I've done everything that's required for a card to be reorder plus I've been verified! I've been cussed at by agents and the worse thing a agent has done and said is XXXX harassed me in chat and on phone I also XXXX this documented and ive told cash app ab the situation over XXXX over nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: AZ

Complaint narrative:
XXXX was negotiated to {$51000.00} as a cash pay price. Banner billing department sent over incorrect information and are now charging {$110000.00} for the XXXX. Banner billing said they see the agreed amount in their records but will not give me a copy of those records nor will change the charged amount. I have been getting sen text messages from the debt collectors of copies of my previous bills

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am writing to formally dispute Citibanks furnishing, sale, and/or transfer of inaccurate and misleading information regarding an alleged account that was provided to a third-party collection agency.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( FCRA 623 ), Citibank, as a furnisher of information, has an ongoing legal duty to ensure that all information furnished to third parties, including debt collectors and consumer reporting agencies, is accurate, complete, and not misleading. Furnishers are also required to conduct a reasonable investigation when information they have furnished is disputed.

The collection agency to whom Citibank furnished this information issued a collection notice that fails to comply with 12 CFR 1006.34 ( b ) ( 5 ), which requires a clear and accurate itemization of the alleged debt, including interest, fees, payments, and credits since the itemization date. The notice provided was incomplete, inaccurate, and misleading, preventing me from understanding how the alleged balance was calculated.

This failure demonstrates that Citibank furnished inaccurate, incomplete, or unverifiable account information, directly resulting in unlawful and misleading collection activity. Furnishing information that leads to false or deceptive representations violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from providing information they know or should know is inaccurate, as well as FCRA 623 ( a ) ( 2 ), which requires correction and updating of inaccurate information.

Citibank remains legally responsible for the accuracy of information it furnishes, sells, or assigns, even after an account is transferred or placed with a collection agency.

I am formally requesting that Citibank : Conduct a reasonable investigation pursuant to 15 U.S.C. 1681s-2 ( b ) Correct, update, or withdraw any inaccurate or misleading information furnished Instruct the collection agency to cease collection activity until accurate and lawful validation can be produced Provide written confirmation of your findings and corrective actions taken If Citibank fails to properly investigate and correct this matter, I will pursue all available remedies, including filing formal complaints with the Consumer Financial Protection Bureau , the Federal Trade Commission , and my State Attorney General, and seeking relief under applicable federal law.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
According to the company, they said I changed my address which I never changed it still the same for the past nine years also, they said that I updated my email a XX/XX/XXXX and I only have one XXXX address and they have that incorrect. Ive been calling them every day since XXXX XXXX even before that to find out when my check should be arriving so this day they have not updated anything. Send me any email regarding the account close account and have not even let me know when Im gon na get my check which is a big problem with my landlord, and I need to pay my rent and still have not been able to because of them so please help me with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Chime Financial Inc
State: NC

Complaint narrative:
Multiple credit card accounts have been opened in my name by XXXX XXXX. No one including this company and police departments will assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Olympus1 LLC
State: AL

Complaint narrative:
I am filing this complaint against Alleviate Financial Solutions for failure to acknowledge my program cancellation and for withholding my dedicated savings account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Leafy Financial, LLC
State: FL

Complaint narrative:
At XXXX XXXX  I called leafy financial to inquire about a debt that was put in collection. Individual picked up the phone identified herself and asked for certain information to confirm that I am the individual she did and asked me what I be paying credit or debit. I said no I just want a request of validation when I asked for the request of validation she automatically informed me that I was already in review for litigation. I did not say nothing. I continue to ask her about the information that I need to verify the dead because of all the scams that are going on, she informed me about certain information and that shes educating me then she goes on to say that if I am unable to pay that I would all I would go to court. I become frustrated and ask her. Why is she bringing up court because I never brought up anything about suing or court I just asked for a request of validation in the conversation she also explains my consequences if I dont pay, I can be sued and I would have to pay the loan plus their attorney fees so therefore she already is implying that Im guilty instead of letting me know. Hey, Ill send you the debt validation. She explains more and she keeps saying that shes trying to educate me. I felt very upset due to the fact that I thought she was threatening me and pressuring me because she kept implying about court and about consequences that can happen if I dont pay, she also kept telling me and reminding me that theres consequences if I dont pay, I was letting her know I just want the debt validation and she never sent it to me. The call is actually recorded by the company. They pacifically said they record every phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: OK

Complaint narrative:
Phone calls and emails to friends family non stop since XXXX. Never notified of any of this were told to cease and desist. Im 100 % XXXX and the non stop harassment affecting my medical issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: AZ

Complaint narrative:
On XX/XX/XXXX, I placed an order with XXXX using Klarna for a total of {$58.00}. Payments made were : XX/XX/XXXX : {$14.00} XX/XX/XXXX : {$14.00} XX/XX/XXXX : {$14.00} I did not make the final payment because I filed disputes and Klarna paused payments. 

The item was never delivered to me. Tracking later showed the package was marked as returned overseas contact failed/inaccessible. I never received any delivery attempt notice, no door tag, no email, no phone call, and no instruction that the package was being held for pickup. Without any notice, it was impossible for me to accept or collect the package. 

I contacted XXXX and filed a dispute. XXXX denied the refund. I then filed XXXX disputes with Klarna. Klarna denied both disputes, stating that under their policy I am required to accept and/or collect all deliveries, despite the fact that I was never notified of any delivery attempt or pickup requirement and there is no evidence I was contacted. 

I requested that Klarna provide proof that I was notified of delivery or pickup. No such proof was provided. Klarna relied solely on policy language rather than the facts of non-delivery. 

I am requesting that Klarna reopen the dispute and issue a refund for goods not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: TX

Complaint narrative:
This is my second CFPB complaint against Nelnet regarding the inaccurate and unlawful reporting of late payments on my federal student loan accounts. Nelnets prior final response, which I have attached, proves my complaint rather than resolves it. Despite extensive explanation, Nelnet failed to provide any documentation establishing a lawful delinquency timeline, proper notice, or compliance with federal reporting standards. Instead, Nelnet relied on conclusory statements and recycled explanations while continuing to furnish late-payment data that is factually impossible, procedurally defective, and legally inaccurate. 
Nelnet continues to report late payments on the following accounts without proof of required notice, repayment resumption, or progressive delinquency stages : DEPTED / NELNET Acct # XXXX Late Payment {$4500.00} DEPTED / NELNET Acct # XXXX Late Payment {$2200.00} DEPTED / NELNET Acct # XXXX Late Payment {$1000.00} DEPTED / NELNET Acct # XXXX Late Payment {$4600.00} DEPTED / NELNET Acct # XXXX Late Payment {$4800.00} DEPTED / NELNET Acct # XXXX Late Payment {$3700.00} Nelnet has never produced documentation showing : When my loans exited deferment When repayment officially resumed When a first missed payment allegedly occurred When XXXX and XXXX delinquency notices were sent Nelnets own records previously showed months reported as paid as agreed, yet they simultaneously claim severe delinquency without demonstrating how the delinquency began or progressed. A borrower can not legally jump from current status to reported late payments without proper notice and a documented timeline. Re-uploading or duplicating the same notices does not cure missing notice requirements and does not establish accuracy. 
This conduct mirrors the widely documented servicing failures affecting over XXXX XXXX borrowers, for which Nelnet has already faced litigation, regulatory scrutiny, and public enforcement actions. Nelnets continued reporting after repeated disputes and after its own inability to document accuracy constitutes willful noncompliance, not a good-faith error. 
I have already filed FTC complaints and Attorney General complaints regarding this conduct. Nelnet is fully aware of the legal standards and has chosen not to meet them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
In XXXX of XXXX, I have received a notice of garnishment about a XXXX debt that I have never heard of, a court judgement not of my acknowledgement and they sent my employment a letter garnish wages. This seems to me a fraud of identity theft! How can you send something from over XXXX years ago that have no clue of nor I owed anyone of that time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: PNC Bank N.A.
State: PA

Complaint narrative:
I used the ATM at PNC bank XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX on XX/XX/XXXX for a cash deposit into my checking account with PNC. During the deposit, I presented the ATM with XXXX bills equaling {$1300.00}. The bank slip had only showed a deposit of {$850.00} {$500.00} short of what it should have been. I had then realized that the ATM deposit limit is only {$850.00}, but it did not return the {$500.00}. I immediately pulled into a parking spot at the bank and called a customer service number. I was then told by whoever I was speaking with that they would put a dispute in for me and I should receive my money after an investigation which could take up to 10 days. Following that XXXX  days and after receiving a letter stating the dispute did not find any problem with it, I called again to refile the dispute. A provisional credit of {$500.00} was added to my account, and customer service stated that somebody would contact me in regards to the dispute. I then received another letter stating that the {$500.00} provisional credit would be removed from my account. On Thursday, XX/XX/XXXX, after receiving no other calls, I called the PNC at the address stated above to speak with someone from the location where it had happened in hopes to get some answers. I spoke with an XXXX that had answered the phone and explained to her the situation. She informed me that there was nothing she could do to give me any information on my dispute, but informed me that she would escalate the dispute so that somebody would reach out to me and go over the issue. Later that day, a lady named XXXX had called me. I explained what was going on to her. She then told me that the first XXXX disputes that I had made were not filed correctly, but stated how much she trusted her dispute/investigation team. She told me that she would then file my dispute correctly, and reach out to me on Saturday, XX/XX/XXXX, to give me an update. I received no calls on Saturday, or even the following Monday from anyone from PNC. I then took it upon myself to call PNC again on Tuesday XX/XX/XXXX and requested to speak with XXXX again. I left a voicemail for XXXX, as she was not available at the time, and she called me back a couple hours later to inform me that her investigation team had not found the money, so I asked to please redispute for a XXXX time and that I would be closing my bank account with PNC if this is not resolved. I am 100 % certain that I deposited {$1300.00} into the ATM. I have a witness that double counted the money for me before making the deposit. My account has since went into negative balance, and I am relying on the bank to give me my money back. Ive called way too many times without receiving any answers on why they will not give me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I had my ears pierced at a jewelry store in XXXX XXXXXXXX XXXX The piercer sold me diamond stud earrings receipted as solid XXXX gold for {$1400.00} and immediately inserted them as piercing jewelry. He instructed me to keep them in for XXXX weeks during healing, as is medically necessary. 

When I could finally remove them after XXXX weeks in late XX/XX/XXXX, I discovered the gold plating had completely worn off, revealing silver-colored base metal underneath. The earrings were NOT solid XXXX gold as receipted- they were gold-plated. I have photographic evidence clearly showing the exposed base metal. 

I immediately returned to the merchant in late XX/XX/XXXX and requested a refund for this misrepresented merchandise. The merchant admitted there was a problem by offering replacements, refused my refund request citing a " no refund '' policy, and forced replacement earrings on me without my consent.XXXX XX/XX/XXXX, I filed a chargeback dispute with Capital One for {$1400.00} ( Case XXXX ). 

I provided : * Photographic evidence showing worn plating and exposed base metal * Original receipt showing purchase as " XXXX XXXX XXXX '' ( solid XXXX white gold ) * Detailed written statement explaining the fraud * Timeline documenting I could not inspect during mandatory healing period The merchant 's response was simply that " goods were as described and received in good condition '' with no supporting evidence or certifications. 

Capital One rejected my dispute in under XXXX hours on XX/XX/XXXX. When I called to provide additional documentation including the receipt, multiple supervisors stated they " can not go past the merchant 's no-refund policy '' and demanded " proof the merchant agreed to refund me '' - which is impossible since the merchant refused. 

The supervisors acknowledged I provided photographic proof of fraud but stated Capital One 's " hands are tied '' by the merchant 's store policy. One supervisor hung up on me when I questioned this logic. Another stated they need the merchant 's agreement to a refund before they can help - a XXXX that makes chargebacks impossible. 

Capital One is refusing to investigate clear photographic evidence of fraud ( plated jewelry sold as solid gold for {$1400.00} ) because of a merchant 's " no refund '' policy. Store policies do not override consumer protection laws or chargeback rights for fraudulent merchandise.

Company response to consumer: Closed with explanation