vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, pa XXXX XXXX XXXX XX/XX/year> Jefferson capital systems XXXX XXXX XXXX XXXX XXXX, XXXX, NM XXXX Cease and desist/debt validation demand- violations of the FDCPA & FCRA 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. Code 1692g ) and the Fair Credit Reporting Act ( IS U.S. Code 1681s-2 ). u 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 FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ). I am formally demanding the following documentation within 15 calendar days from the date of this letter : 1. The original signed contract or application bearing my signature showing liability for this debt. 2. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. 3. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. 4. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. 5. Your debt collector license number and the state ( s ) in which you are licensed to collect. 6. 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 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. 16811 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 ), Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal action. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> @ XXXX XXXX PST I stopped to get money at an ATM that discover bank 's mobile app told me was part of the XXXX XXXX XXXX and was a no fee ATM. I used the ATM and requested {$280.00} and the ATM took a long time finally the screen went blank and a receipt came out, but the door where the money comes out never opened. I received XXXX dollars and my account was debited the {$280.00}. I immediately called the number on the ATM and spoke to a woman who said she worked for XXXX XXXX I explained what happened and she said " we have received other complaints about that specific ATM and it looked to be out of money ''. She then told me I had to call my bank because she could not do anything to help me or send me any info as per federal law. She told me that discover would need to investigate and call XXXX. I called discover after hanging up and they said to wait XXXX hours to see if it gets corrected. It did not so I called discover and filed a dispute. I was asked to upload supporting documents which all I had was the receipt saying it gave me {$280.00} so I uploaded that and was told to wait and they would let me know. It only took 5 days before I got a letter from discover denying my dispute. I called and discover says they will not reopen my case and XXXX keeps telling me that discover needs to investigate. Both companies keep telling me I need to go to the other to work this out. XXXX even told me they will not send me the documents they used to deny my claim because federal law will not allow it. I do not know what to do and want to know where my money is at.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
XXXX. I sent this response back in late XXXX notifying Robinhood of the unauthorized charge. XXXX. Provided all of the information requested along with notification to Robinhood that Hims Hers have provided partial but not all credit. XXXX. The total of XXXX which was the amount of the charge has been held and no provisional credit has been provided for almost 90 days. In addition I let Robinhood that I did receive partial refund however still was owed approximately XXXX dollars and a release of at a minimum the difference in balance to allow me to use the card. XXXX. I requested an update last week, was told my case was closed without notification to me and without my balance being released. XXXX. When I spoke to the service agent about this she said I would receive and email within XXXX hours. That never happened and received an email 5 days later. XXXX. When there email still had nothing to do with this issue she said she needed to send me to Disputes which would respond in XXXX. XXXX. That still didnt happen and now I received this last email mail that states what is listed below. XXXX. No one has requested information, and if the statement below is something I needed to respond too, well I already shared this info and as mentioned I have not received the difference. Hi XXXX, XXXX you're well. We're reaching out regarding your dispute against XXXX XXXX XXXX XXXX for {$1900.00}, because additional information has been requested. The merchant issued a refund on XX/XX/XXXX for {$1600.00}. Please respond by XX/XX/XXXX. Without this information, the dispute is less likely to be resolved in your favor. We appreciate your attention to this matter. Sincerely, XXXX - Robinhood Support Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Today, XX/XX/2026, I received an email from EverBank stating, Congratulations, your account was opened, even though I did not perform this action at all. I contacted them, and they closed the account. I also contacted the credit bureaus and placed a freeze on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I am a 1XXXX XXXX XXXX XXXX XXXX XXXX, VA mailed XXXX property tax refund checks totaling {$3600.00} to loanDepot XXXX weeks ago due to my XXXX exemption. On XX/XX/year>, loanDepot admitted they don't know the correct internal address for such checks, have no tracking system once received, and claimed 60 days to process which has no basis under RESPA. RESPA 1024.17 ( f ) ( 2 ) requires surplus refunds within 30 days. I am requesting full refund of {$3600.00}, escrow payment adjustment, and written process confirmation. XXXX filed XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
On XX/XX/XXXX I spoke with a representative from my mortgage company who told me that if I made my payment by XX/XX/XXXX I would not receive a late on credit report that there would be no negative reporting. I relied on this information. Despite this, I was reported late. I am requesting removal of any negative credit reporting, as I was misinformed by the companys representative.

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 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im filing this complaint because there are collection accounts showing up on my credit report that are not mine. I keep a close eye on my credit, and these accounts suddenly appeared without my knowledge or permission. I never approved or had anything to do with them, and its frustrating and unacceptable to see wrong information reported under my name. This needs to be investigated and fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: MOHELA
State: ID

Complaint narrative:
I previously filed a complaint regarding a misapplied payment made in full in XX/XX/XXXX. The payment was not correctly applied by MOHELA, and my account has continued to show an incorrect remaining balance. I opened a XXXX XXXX request with MOHELA on XX/XX/XXXX. As of today, this issue has been unresolved for over XXXX months. MOHELA responded to my prior CFPB complaint with an interim response stating they would provide a final response within 60 days but they failed to meet that deadline. I was notified on XX/XX/XXXX that they missed the deadline, and as of now the issue remains unresolved. Despite acknowledging the issue is under review, MOHELA continues to report my account as past due and continues sending delinquency notices for a balance that should not exist and has been non-responsive to my requests for administrative forbearance while they work on getting this resolved. This situation has now escalated to the point where my account is approaching 90 days past due, creating a risk of improper negative credit reporting due solely to a servicer error. I have also escalated this issue to the XXXX XXXX XXXX XXXX XXXX, and the matter remains unresolved. I am requesting immediate correction of my account balance, removal of all incorrect past-due status, and confirmation that no negative credit reporting has occurred or will occur as a result of this servicer error.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had deposited {$10000.00} with XXXX for a real estate transaction and since I lost the transaction, I was supposed to receive back my deposit. But the company is keep saying that they will send me back the founds, tomorrow, or next week and it never happened. I really don't know what I should do next?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I am filing a complaint against Blackhawk Network regarding a {$200.00} gift card fraud issue. I filed a dispute on XX/XX/year> ( case number : XXXX ). I also had a previous case ( XXXX ) which was closed and replaced. I provided all requested documentation promptly and fully cooperated with the investigation. However, it has now been over 60 days with no resolution, reimbursement, or meaningful updates. I have attempted multiple follow-ups but have not received a clear status or timeline. I believe this delay is unreasonable and constitutes poor handling of a fraud claim. I am requesting a full reimbursement of the {$200.00} or a replacement card with the full balance restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: FL

Complaint narrative:
I paid {$10.00} on the XXXX which brought my loan down to {$2500.00}. I checked my balance again around XXXX XXXX and it was back up to {$2600.00}. My interest accrues at a XXXX a day, thereabouts. {$40.00} was added to my loan with no explanation. I tried reaching out immediately but their XXXX XXXX XXXX said no one was available. I requested info over email and am awaiting a response. I make $ XXXX {$240.00} a week. Never in the history of my loan have I been charged {$40.00} A DAY in interest. I cant afford that and that is incorrect. The website says your balance may change if you add loans but that they do not charge late fees. I have not added loans. See attached documents and screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: OK

Complaint narrative:
I initiated XXXX balance transfers on XX/XX/year>. I called after it had been 14 business days and my financial institutions still had not received the checks ( I called them as well ) I was told to give it more time. I called again and again a third time always being told about the 14 business days. By this point we are nearly at a month. I spoke with someone who said she would put a stop payment and send new checks overnight and she walked me through looking up the overnight addresses for both XXXX XXXX and XXXX XXXX XXXX. Today I looked at the account and see no evidence of this. It still looks like the previous balance transfers are waiting. So I call again and after XXXX minutes through the automated system finally get a rep who is asking for my full social security number. I decline and give my card number, last XXXX of social and she sends me a code. She reads off about the 14 days again and tells me to wait longer. I explain XXXX said she would stop payment and send overnight checks. She said they dont do that. Then she asked me to hold for a specialist. She transferred me to her supervisor who repeated the same things about the 14 days ( XX/XX/XXXX to XX/XX/XXXX is more than 14 business days ). But also I explain XXXX did a stop payment and told me she would send checks overnight but apparently that was incorrect. Instead of apologizing for the incorrect information she becomes increasingly condescending and is telling me that because I put a stop payment now I have to wait another 14 business days. Ok- I say but your employee came up with that solution and it wasnt correct. I asked so it has been almost a month so youre saying almost another month or longer? And she says yes. I said how could someone just makeup that they will do the overnight thing and walk me all through it? I am genuinely concerned. She said maam I am not going to go back and forth with you over this. I said I just dont understand. It doesnt make sense. And she hung up on me with XXXX effort of any resolution even XXXX that could be disappointing. I wasnt looking for perfection I just wanted to please have to stop calling and have a real solution. So I did have to call again and speak with someone else to complete the stop payments and reissue the checks. I XXXX percent do not trust that this will happen though. I called later can cancelled my new checking account with US Bank because I cant trust them for basic communication and consistent information or even mild professionalism or kindness. Due to the delay, I am also concerned about potential financial impact and request that any resulting fees or interest be addressed.

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 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Company : PayPal , Inc . Issue : Improper handling of a fraudulent account breach and unauthorized transactions. Description of Incident : I am filing this complaint against PayPal for their failure to resolve a clear identity theft case and for their ongoing attempts to collect a debt resulting from fraudulent activity. 1. Account Breach & Negligence : On XX/XX/XXXX, my account was compromised. The unauthorized party changed my primary phone number and added a fraudulent recovery email ( XXXX ). My legitimate email is XXXX. Despite reporting this breach to PayPal multiple times, PayPal continued to send all investigation updates and sensitive notifications to the hacker 's email address, effectively locking me out of the process. 2. Unauthorized Transactions & Bank Action : Between XX/XX/XXXX and XX/XX/XXXX, several unauthorized cryptocurrency transactions and transfers from my linked XXXX checking account were made. I reported these to both PayPal and XXXX. Following a thorough investigation, XXXX verified the fraud and issued a permanent credit to my bank account. 3. PayPals Failure to Investigate : PayPal opened a fraud case but has been consistently uncooperative. They refused to provide case numbers via my verified email. They refused to participate in a three-way verification call with my bank ( XXXX ) XXXX They closed the investigation in favor of the fraudster without providing any explanation or evidence. I am currently being held responsible for a {$460.00} negative balance caused by these fraudulent transactions. 4. Lack of Access : To this date, I have XXXX access to my account. Every time I contact customer service, I am promised a callback from a supervisor that never occurs. I have been a customer for over 15 years, and the company has failed to protect my financial data or follow standard fraud resolution protocols. Desired Resolution : Immediate reversal of the {$460.00} negative balance. Correction of my credit report to ensure no " collection '' items are reported. A formal apology and the permanent closure of my account once the balance is cleared. Provision of my full transaction and communication history for my personal records.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I was selling an item online on XXXX XXXX for XXXX. I was contacted by a person and sent an email by said scammer stating they had sent me XXXX through a XXXX account and that i needed to return XXXX to them but my account only had XXXX in it so they told me to send that to them. They requested I use an online banking system called Chime to make the transaction. So I created the Chime account, transferred the XXXX to Chime and sent the money. All the while not knowing it was a Scam. After realizing it was a scam I contacted my personal bank to stop the transaction and report fraud but they couldn't help due to me sending the money to Chime. I then contacted Chime to dispute the transaction and they basically told me there was nothing could do other than file a police report. ( Which we know won't get me anywhere and won't get my money back ) Chime was very unprofessional and would not even attempt to resolve a fraudulent scamming issue. They could have very easily removed the amount from the scammers account, cancelled my transaction, and gave me my XXXX back but had NO interest in helping me at all. They will not even investigate the issue and directed me to file a police report. I did file a police report with XXXXXXXX XXXX XXXX Report XXXX # XXXX. Chime made it seem as if I was making this up and that there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Truist bank -Deposited check from state on XXXX -Account flagged for fraud -Check cleared and showed in account -Told to open new account and transfer funds so that frauded account could be closed -Bank attached new account to old account so it was blocked for fraud as well - Called every day for update, to be told I need a letter from the state departments bank stating funds would not be returned but funds have cleared and are sitting in account

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