vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TN

Complaint narrative:
XXXX is constantly harassing me over a bill that somebody put in my name. I told them I never received the phones. They call all day and night. They send texts messages and emails. I do not owe them anything! I did not receive the phones. Im tired of them harassing me! They found out XXXX of my new numbers recently and they are calling it. Ive tried to tell them to leave me alone! Its been taken off my credit report and then they put it back on there under a different name or account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
One main debt collector called my work phone and my work to collect the debt and used my name to my coworkers. Explained to them what was going on. This is unacceptable and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This inaccurate collection account is unfairly damaging my credit and making it extremely difficult for me to secure stable housing and provide a safe home for myself and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I was approved for a Capital One XXXX XXXX credit card. Shortly thereafter, and prior to receiving the physical card, my account was placed under restriction. Upon contacting Capital One fraud services ( as instructed in the mobile app ), I was instructed to provide identity verification documents, which I promptly submitted. Between late XXXX and XX/XX/year>, I have fully complied with every request for additional documentation, including submitting both a government-issued ID and a bank checking account statement as requested. Despite being told by multiple representatives and supervisors that my documents were verified and that a resolution would occur within a 1-to-10 business day window, my account remains restricted. I have initiated contact with Capital One repeatedly, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today, XX/XX/XXXX. On several occasions, I was provided with specific dates for follow-up calls or resolution, none of which were honored by the company. I have spoken with XXXX different supervisors who have stated they are unable to assist and have directed me to wait indefinitely for a " back office '' review that has now exceeded all provided timelines. Multiple times, I was told that my case was in " final review '' and that they should call me in a couple of days or 1-10 business days at most. I called on XX/XX/XXXX, as I was previously informed this would most likely be the date they were going to reach out to me, and i was told to keep waiting until XX/XX/XXXX, which would be the last of those XXXX business days from XX/XX/XXXX, which was the date my case was supposedly referred for " final review ''. I called today, XX/XX/XXXX, and was told there was nothing they could do and that they no longer had a timeframe for me, which basically puts me on indefinite wait.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
not my account never lived at the address asscoaited wth this accont

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
My doctor 's office closed in XX/XX/2025. In XX/XX/2025 the doctor 's office sent me 2 bills for appointments in XXXX and XXXX of XXXX. I had paid my copay and my insurance paid their portion. I have an estimation of benefits from my insurance that shows that they have paid. I called my insurance and confirmed that they have paid. I shared the XXXX with my doctor using the portal, to which she never responded. I do not have access to the portal now and the doctor 's office is permanently closed and I have no way of contacting them. I was sent a debt collection letter from TSI on XX/XX/XXXX for {$240.00}, which I disputed and sent with a copy of the XXXX. I just received another letter from TSI with a statement date of XX/XX/XXXX of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau : I am writing to file a formal complaint against Summitt A * R, a debt collection company, for engaging in the unlawful practice commonly known as " debt parking '' placing a derogatory collection account on my consumer credit report without first providing the federally mandated written debt validation notice required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Consumer Financial Protection Bureaus Regulation F ( 12 C.F.R. Part 1006 ). What Summitt A * R Did : Summitt A * R placed a collection account on my credit report, causing immediate harm to my credit score and financial standing. Prior to reporting this account, Summitt A * R failed to send me the required written validation notice within five ( 5 ) days of its initial communication, as mandated by 15 U.S.C. 1692g ( a ). I did not receive any written notice informing me of : ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor ; ( XXXX ) my right to dispute the debt within 30 days ; ( XXXX ) that the debt would be assumed valid if not disputed ; or ( XXXX ) that I could request the name and address of the original creditor. By reporting the debt to credit bureaus before completing required disclosures, Summitt A * R strategically pressured me to pay a debt I had no meaningful opportunity to verify or dispute the hallmark of illegal debt parking. Applicable Law Violated : FDCPA 1692g : Requires debt collectors to provide a written validation notice within 5 days of initial contact, informing consumers of their right to dispute the debt. CFPB Regulation F ( 12 C.F.R. 1006.30 ( b ) ) : Explicitly prohibits debt collectors from furnishing information to a consumer reporting agency regarding a debt before speaking with the consumer or before mailing the validation notice and waiting a reasonable time for it to be received. FCRA 1681s-2 : Prohibits furnishers from reporting inaccurate information to credit bureaus, including accounts reported in violation of applicable law. Harm Suffered : A significant and unexplained drop in my credit score. Denial or unfavorable terms on credit applications. Emotional distress, XXXX and time spent investigating and addressing the unauthorized reporting. Deprivation of my federally protected right to receive, review, and dispute the alleged debt before it damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had called several times in XXXX when notified by XXXX XXXX that my payment didnt go through. Wells Fargo informed me they still had a stop payment for XXXX XXXX from year XXXX. I stated why would you still have a stop payment on them when problem had XXXX XXXX resolved? On phone for 3 hours XX/XX/XXXX trying to get them to give me a letter or listen to the recording to verify I had requested the stop payment be removed. They refused to check. They also refused to let me put in my own complaint. Came back to the phone and told me they put it in and I couldn't do it myself. Then was supposed to get transferred to Case Manager and phone call never went through. I finally hung up in disgust and tired from my XXXX condition.

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 2026-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient / Sallie mae have spent YEARS ( XXXX ) putting me on forbearance, I never even knew of IBR until it was way too late to make a difference. This has caused over XXXX in interest that I could have avoided. I dreaded the calls... they got around the limit of how many times you can call by calling about 1 loan per call. Disgusting. I was told there was a pair of settlements in this exact problem but I never was included in either settlement. Knowing my history with this company, it's part of their normal neglect. This is the next step for me to attempt to get justice on this regard. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Subject : Formal Complaint Huntington Bank Promotional Bonus Denial Based on Misleading Information I am submitting this complaint regarding Huntington Banks refusal to honor a {$400.00} checking account promotional bonus after I relied on inaccurate information provided directly by a Huntington representative online on XX/XX/XXXX. Prior to funding the account, I contacted Huntington specifically to verify what would satisfy the promotional direct deposit requirement. I explained that I would be depositing a payroll check issued by my employerXXXX XXXX XXXX XXXX XXXX XXXX and asked whether this would qualify for the promotion. I was explicitly informed that a payroll check would qualify as long as it reflected payroll in the memo from my employer. Based on Huntingtons representation, I proceeded to open and fund the account within the promotional period by depositing a payroll check from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I also kept the account open and maintained it in accordance with the promotional requirements and my agreement with Huntington. After doing exactly what I was instructed to do, Huntington later denied the promotional bonus by claiming the deposit did not qualify because it was not an ACH direct deposit. This is unacceptable. Consumers should be able to rely on information provided by bank representatives, especially when that information directly affects eligibility for a financial promotion. Huntingtons inaccurate and misleading guidance caused me to lose the opportunity to qualify under the promotion despite making a good faith effort to comply. Had I been correctly informed of the ACH-only requirement, I would have immediately established ACH direct deposit through my employer within the required timeframe. This complaint is not simply about a denied bonus. It concerns Huntington Bank providing inaccurate information to consumers regarding promotional requirements and then refusing to take responsibility when consumers rely on that information to their detriment. I opened and funded this account specifically because of Huntingtons advertised promotional offer and acted in reliance on Huntingtons instructions. Denying the bonus under these circumstances is unfair, misleading, and inconsistent with reasonable consumer expectations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 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: AR

Complaint narrative:
AROUND XX/XX/2025 NELNET FEDERAL STUDENT LOAN SERVICER REPORTED TO ALL THREE MAJOR FEDERAL CREDIT BUREAU THAT I WAS 90 DAY PAST DUE ON MAKING ANY PAST STUDENT LOAN MONTHLY PAYMENTS. EVEN THOUGH I HAVE NEVER MADE NO PAYMENTS ON NONE OF THE PAST ACCOUNTS. AND HAVE NOW DESTOYED MY ENTIRE LIFE AND GOOD CREDIT SCORE AND HISTORY.THAT I HAD BEFORE NELNET REPORTED THOSES XXXX OLD XXXX TO XXXX XXXX XXXX STUDENT LOAN ACCOUNT AS 90 DAYS LATE PAYMENT AROUND XX/XX/2025 EVEN THOUGH I HAVE NEVER MADE NO PAYMENTS. SEE MY PAST GOOD CREDIT SCORE AS OF XXXX XXXX XXXX AT XXXX GOOD CREDIT XXXX AT XXXX GOOD CREDIT XXXX AT XXXX XXXX XXXX FAIR CREDIT SEE MY PRESENT POOR BAD CREDIT SCORE GIVEN ME XXXX XXXX XXXX AT XXXX POOR BAD CREDIT XXXX AT XXXX POOR BAD CREDIT XXXX AT XXXX BAD CREDIT DUE TO NELNET FEDERAL STUDENT LOAN SERVICER REPORTING 90 DAY LATE PAYMENT AROUND XX/XX/2025 EVEN THOUGH I HAVE NEVER MADE NO PAYMENTS WHICH MEANS ALL XXXX OLD ACCOUNT ARE MORE THAN XXXX XXXX XXXX NEGATIVE WITH NO PAYMENTS MADE PLEASE DELETE ALL 14 ACCOUNT ASAP. AND UPDATE ALL FEDERAL CREDIT REPORTS AND INCREASE BACK MY CREDIT SCORE OF XXXX POINTS THAT WAS TAKEN FROM ME PLEASE. AND BY FEDERAL CREDIT REPORTING ACT THOSE XXXX OLD XXXX TO XXXX XXXX XXXX NEGATIVE ACCOUNTS ARE SUPPOSED TO BE DELETED AND REMOVED AFTER 7 YEARS. ESPECIALLY SINCE I HAVE NEVER MADE NO PAYMENTS. BUT NELNET HAS SOMEWAY ILLEGALLY FOR OVER 15 TO 23 YEARS HAVE BEEN LYING AND FABRICATING AND FALSYFYING FALSE AND WRONG PAYMENT INFORMATION TO ALL THE FEDERAL CREDIT BUREAU THAT I HAVE BEEN MAKING ON TIME PAYMENTS EVEN THOUGHT I HAVE NEVER MADE NO PAYMENTS OVER 15 TO 23 YEARS AND I HAVE NOT SIGNATURE NOR DATED NO FORBEARANCE AND NO DEFEARMENTS FOR NO 15 TO 23 YEARS I HAVE NOT. SINCE AROUND XX/XX/2025 I HAVE FILD MANY DISPUTES ON THE PHONE AND IN WRITING AND ONLINE TO NELNET AND ALL THREE FEDERAL CREDIT BUREAU BUT THEY STILL WILL NOT UPDATE AND CORRECT AND FIX ALL MY FEDERAL CREDIT REPORT SHOWING ACCURATE INFORMATION OF ME NEVER MAKING NO PAYMENTS..... WHICH MEANS ALL 14 OLD ACCOUNTS ARE MORE THAN 7 YEARS OLD. BY FEDERAL CREDIT REPORTING ACT LAW 7 YEARS OLD PLEASE DELETE AND REMOVE FROM ALL MY CREDIT REPORTS. SO PLEASE COMPEL AND ENFORCE FOR EVIDENCE THAT NELNET AND ALL FEDERAL CREDIT BUREAU LIKE XXXX AND XXXX AND XXXX CREDIT BUREAU TO DELETE AND REMOVE ALL 14 OLD NEGATIVE 15 TO 23 OLD PAST STUDENT LOAN ACCOUNTS SINCE I HAVE NEVER MADE NO PAYMENTS. EVIDENCE IS OVERWHELMING MORE THAN 7 YEARS OLD ( FCRA ) FEDERAL CREDIT REPORTING ACT LAW PLEASE DELETE AT ONCE. PS. I HAVE ALSO HIRED XXXX XXXX XXXX XXXX OVER THE MONTHS TO ALSO HELP FILE DISPUTES AND CHALLENGES TO GET THOSE OLD 15 TO 23 YEAR OLD ACCOUNTS REMOVED SINCE I HAVE NEVER MADE NO PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I went to check my balance and notice {$1000.00} missing and charges trying to come so I froze my card. XX/XX/XXXX transactions to XXXX XXXX a minute a part between XXXX on the XXXX. No alerts. No balance notifications. Nothing. I contacted XXXX XXXX and they say that theres nothing they can do or even provide me with what was purchased. Nothing can be bought by typing in a card or every minute. Its impossible. Charges were in XXXX. I live in XXXX XXXX. Never left my house. I have a target account with my debit card on it but it clearly shows I bought nothing since XX/XX/XXXX online and nothing in-store since XX/XX/XXXX. My XXXX timeline shows I never left and theres nothing XXXX that can be purchased every minute. Chime took a week without ever contacting me to say there was no error. I never made those transactions thats the error. XXXX disputes, they end the call, tell me they will reschedule our by email, wont reopen the dispute without evidence. How can I have evidence when I never made the transactions?! It says XXXX liability on the website and you cant even talk to their dispute team. But they told me to request a loan. I cant get a new bank because to live I had to advance. My car payment is late. Every month I pay my car and insurance. Why would I waste a {$1000.00} i dont have on XXXX?! I worked hard for my money and they refuse to give it back. No signing anything like XXXX XXXX XXXX and getting their money back. They just let my money go unprotected like its nothing. I need my money back. I have bills. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: UT

Complaint narrative:
I applied to the XXXX XXXX preferred card as credit karma offered me the credit karma guarantee in which I will be paid {$50.00} if I was not approved. I was not approved and have received no way of obtaining the {$50.00} that I was essentially guaranteed. They do not have a customer service phone number so I have no way of reaching them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
On XX/XX/year>, I was the victim of a remote hacking incident that affected multiple accounts and payment platforms. The fraud began with four unauthorized transactions occurring within approximately 20 minutes. Two attempted purchases at XXXX ( {$300.00} USD and {$150.00} USD ) were recognized and canceled by XXXX as fraudulent. When those transactions failed, the hacker accessed my PayPal account remotely through my laptop. Using my PayPal account, the hacker ( identified as XXXX XXXX ) sent two unauthorized Friends and Family payments : {$230.00} XXXX {$620.00} XXXX The {$230.00} XXXX payment was funded from my PayPal balance, while the {$620.00} XXXX payment was withdrawn from my linked bank account. Thankfully, I was online at the time and immediately changed my passwords to stop further unauthorized activity. I contacted PayPal immediately after the incident and opened a fraud case. My request for reimbursement was denied. I later contacted PayPal by phone, explained the hacking incident in detail, and requested another review, but the claim was denied again. One PayPal representative advised me to contact my bank regarding the {$620.00} XXXX transaction. After doing so, PayPal later refunded that transaction on XX/XX/year>, stating : Your financial institution has advised us that this payment was unauthorized. Despite PayPal acknowledging the unauthorized nature of the activity and refunding the bank-funded transaction, PayPal has refused to refund the {$230.00} XXXX transaction that came from my PayPal balance . I believe this distinction is the only reason the second fraudulent transfer remains unresolved. I have repeatedly contacted PayPal customer service for assistance. Multiple representatives stated they would open or escalate support tickets, but no action was taken. Representatives also refused to provide confirmation emails, and my PayPal doesn't show any pending tickets. Additional related fraudulent activity occurred shortly afterward, including unauthorized activity involving my XXXX card and XXXX account on XX/XX/year>. I ultimately factory reset my laptop and changed all account passwords to secure my devices and accounts. ( I am including screenshots ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or about XX/XX/year>, I received a phone call from an individual who identified himself as Detective XXXX XXXX of the XXXXXXXX XXXX XXXX calling from a XXXX area code. He informed me that I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Over the course of approximately XXXX minutes, the caller escalated his threats significantly. He claimed to have text messages bearing my name messages that never existed on any of my devices and threatened to distribute them to my employer, the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), my clients ' families, and my wife 's employer. He further stated that if I did not settle the matter directly with the victim 's family, he would refer the case to the State Attorney 's office, and that XXXX would be legally required to remove my son from our home. As a result of these threats, I suffered a XXXX XXXX and became physically ill. Under extreme duress, I transferred {$2400.00} via XXXX to the individual as a partial payment of the demanded settlement amount. Shortly thereafter, the individual sent me fraudulent settlement paperwork purporting to be a legal document. Upon reviewing the document, I recognized it as fraudulent and immediately took the following actions : Contacted Wells Fargo and filed a fraud claim Filed a police report with the XXXX XXXXXXXX XXXX XXXX Submitted a complaint to the FBI via IC3.gov Filed a complaint with the Federal Trade Commission Filed a complaint with the FCC Submitted a notice to the Florida Attorney General regarding criminal impersonation of a law enforcement officer and extortion

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOVERY is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY 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