vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding the data breach involving my federal student loan servicer, Nelnet. I received notification that my personal information may have been exposed as part of this breach. As a borrower, I am very concerned that sensitive personal information associated with my student loan account may have been accessed by unauthorized parties. This raises serious concerns about the security of borrower data and the safeguards in place to protect consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I had a Citibank/Aadvantage Select credit card account for many years # XXXX, in the name of XXXX XXXX XXXX XXXX Because I was moving from XXXX ( original address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) to XXXX, I wanted to close the account, which I did on XX/XX/XXXX. Attached is a letter from Citibank closing the account. ( For some reason they created a new account I couldn't use # XXXX ). At this time the last statement I received, XX/XX/XXXX showed a balance due to me of {$380.00}. On XX/XX/XXXX, I called Citibank on their service line ( there wasn't a way to log into this old account and start a " chat '' ) at XXXX. I requested that the funds they owed should be sent to me at my new XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX address. ( You can see on the letter to me stating the account was closed that they have this correct address. ) The representative said they'd be sending the {$380.00} out as a check and it would arrive within a week. I never received it, so I called the service number again on XX/XX/XXXX, and again they said they'd send it out, but it never arrived. On XX/XX/XXXX I called again and was told it would be sent to me but it never arrived. On XX/XX/XXXX I received a letter from Citibank stating that they were " working on some issue '' associated with the account, but again no check arrived. On XX/XX/XXXX I called again. I specifically made sure that they had the correct address in the system, as I worried that it might have gone to my old XXXX XXXX address. ( In any case all my XXXX XXXX mail was being forwarded to my XXXX address. ) Again, I was told the {$380.00} amount would be sent out in a week ; however it hasn't arrived. Note that at each interaction above I made sure that the address to which they'd send the check was my new XXXX XXXX address. This clearly represents intentionally foul business behavior on the part of Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
I opened an online savings account with Barclays in XX/XX/XXXX and transferred approximately {$25000.00} from my personal savings account at XXXX XXXX. On XX/XX/XXXX Barclays requested verification documents including my driver 's license and a bank statement showing the source of funds. I provided the requested documents immediately. On XX/XX/XXXX I called Barclays after not receiving a response to my email inquiry about the status of my account. During that call I was told the review had been completed and the restriction on my account had been removed. However, on XX/XX/XXXX I attempted to transfer {$1500.00} from the same XXXX savings account into my Barclays account and the transfer was returned. I also received an email from Barclays indicating my account was still frozen. I contacted Barclays Customer Care multiple times beginning XX/XX/XXXX seeking clarification. On XX/XX/XXXX I spoke with a representative identifying herself as a Fraud Manager who told me the account was under review and that the review would take 35 days. On XX/XX/XXXX I called again and was told the timeframe had changed to 1015 days and that a manager would call me back within 48 hours. I never received that callback. During these calls I also received an email stating that my account access had been suspended. I am now unable to log into my account or view my balance. Despite fully complying with every request for documentation and repeatedly contacting Barclays for updates, I have been given no explanation for why my account remains restricted or when my funds will be returned. My primary concern is the return of my funds. During one call I was informed that if the account could not remain open, the funds would be returned to the originating account. I am requesting confirmation of the current balance being held and the immediate return of my funds to the originating XXXX XXXX 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 explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
Visit XXXX XXXX XXXX or call XXXX XXXX take advantage of payment options on your outstanding balance of {$670.00} for your XXXX XXXX Bank XXXX XXXX. ( XXXX XXXX ) account. Pay : - {$470.00} in up to XXXX monthly payments. XXXX % off, that's a savings of {$200.00}! - Payments as low as {$75.00} - {$670.00} in up to XXXX payments - XXXX time payment of {$670.00} This text is from XXXX XXXX, a debt collector. Reply stop XXXX opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: KEYCORP
State: NY

Complaint narrative:
Hello Ohio Dept of Commerce, I was referred to you by a Key Bank customer service representative ; if you can refer me in the right direction, I would greatly appreciate it. I received a Key Bank gift card some years ago ( maybe 6 years ago ). The gift card amounts to {$700.00}. When I tried using the card a few times last year, and also this year, all of my transactions were denied. I called Key Bank today to find out about my remaining balance on the gift card- and they mentioned that the {$700.00} was sent back to the Comptroller of Ohio back in XX/XX/XXXX, as the card was inactive. The expiry for this gift card is XX/XX/XXXX. XXXX. The card is still active, but the funds were mistakenly sent back to the Ohio comptroller. The Key Bank representative mentioned that since this card was never registered or used, the {$700.00} balance was sent back to the Ohio comptroller. She mentioned that I need to contact the Ohio Dept of Commerce regarding refunds and/or any next steps. Since the funds were already transferred back to the Ohio Comptroller, they can not assist any further. Can you please let me know if I've contacted the correct party? I am sending an email as I'm currently overseas on business. If this is the correct party to contact, can you provide me with a phone number ( and office hours ), so that I can call in to discuss details? I have the original debit-gift card, along with the original letter the gift card came in. Thank you very much for your help regarding my inquiry. Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be XXXX % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I purchased some XXXX XXXX in XXXX or XXXX. I got fired from a job that I worked for XXXX years. I had trouble paying it during that time in my life. So years went by. Well I got a good job but it had already been like XXXX years. So I csllled and asked if we could just do XXXX payment of {$1500.00}. They said no. So here it is on the XXXX or XXXX year. I need to clean my credit again. I have more delinquents equivalent to XXXX XXXX number of kids.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account on my credit reports that has been re-aged in violation of the FCRA. The account ending in XXXX originally from Synchrony Bank has been reported with an updated balance every single month making the debt appear more recent than it actually is. This constitutes re-aging which artificially extends how long negative information appears on my credit report and damages my credit score. I have disputed this account with all three credit bureaus. I am requesting that XXXX XXXX XXXX immediately cease re-aging this account and correct the reporting or delete it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am disputing a {$130.00} charge posted XX/XX/year> in XXXX, XXXX that appears on my Chase credit card statement as a taxi transaction. I did not authorize this transaction and did not pay for any taxi rides using my credit card during my trip. All taxi rides were paid in cash. Chase denied my dispute stating that the chip was used and the card remained in my possession. However, Chase has not provided the documentation supporting this conclusion. I specifically requested : - A copy of the transaction receipt - The merchant name and full merchant information - The method of card verification used ( chip, PIN, signature ) - The documentation relied upon to deny the claim Chase closed the dispute without providing this information. I am requesting that Chase conduct a reasonable reinvestigation of this billing dispute and provide the documentation supporting this transaction, consistent with the investigation requirements under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a California State Contractors license. I needed a bond or a CD naming the State as being able to withdraw the account. I closed my contractors license XXXX years ago. In XXXX they said the XXXX hold was over and I can now withdraw the money. I took the paperwork with me to the bank and requested my money. They refused. They said they can't find it. Even with the lock on it from the XXXX just releasing it. I have been to the bank about twice a week asking for the money the past XXXX weeks. Nothing but run around. It appears except for the bank XXXX, XXXX XXXX, XXXX, no one at BMO cars to return my CD. My current estimate of value is {$24000.00} of the CD. XXXX has agreed to receiving questions about what he has done to return the money. His phone is 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 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Lien Receivables LLC
State: CA

Complaint narrative:
I am filing a complaint regarding repeated threats of legal action from Lien Receivables LLC concerning a disputed towing claim involving my family. I am not the debtor, registered owner, or responsible party for the vehicle in question, yet the company has repeatedly contacted me by phone and text message discussing the alleged debt. The collector has attempted to pressure me to intervene with my mother regarding payment and has made statements suggesting legal action against her. These communications include threatening voicemail messages and text messages discussing the claim, threatening legal action against my mother and placing a lien on our house, and criticizing my brother, who is disputing the matter. I believe this constitutes improper third-party contact and harassment regarding a disputed debt. I am not the debtor and have no responsibility for the alleged claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Hawes Klein LLC
State: AL

Complaint narrative:
I purchased some XXXX XXXX in XXXX or XXXX. I got fired from a job that I worked for XXXX years. I had trouble paying it during that time in my life. So years went by. Well I got a good job but it had already been like XXXX years. So I csllled and asked if we could just do XXXX payment of {$1500.00}. They said no. So here it is on the XXXX or XXXX year. I need to clean my credit again. I have more delinquents equivalent to XXXX XXXX number of kids.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RESOURCE MA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MA 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 non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Branch Messenger, Inc.
State: AL

Complaint narrative:
On XX/XX/year>, I rented a vehicle from a company advertising itself as Hit The Pavement Auto Rentals. The advertisement stated that the rental included valid insurance coverage and that the vehicle was ready for rideshare platforms such as XXXX and XXXX. I paid the rental fee using my Uber Pro Card issued through Branch. After renting the vehicle, I uploaded the provided registration and insurance documents to XXXX in order to drive on the platform. XXXX immediately flagged the registration and suspended my account because the documentation could not be verified. I then contacted the insurance company listed on the insurance card, XXXX XXXX XXXX. Their XXXX XXXX confirmed in writing that the policy number listed on the insurance card does not exist and that XXXX has no record of any policy issued in my name or for the vehicle VIN provided. The insurer stated that I was sold a non-existent policy using false documentation. This means the rental service was misrepresented because the vehicle was advertised as insured and rideshare-ready, but the insurance coverage provided with the vehicle was fraudulent and the registration was flagged as invalid. I disputed the transaction with Branch, but the dispute was denied even though I provided documentation confirming the insurance policy never existed. This transaction should be classified as fraudulent misrepresentation of services rather than a normal service dispute. Because the vehicle was falsely represented as insured and compliant for rideshare use, the agreement is void due to fraud in the inducement. I am requesting that Branch reopen the dispute and reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear XXXX, I am writing to formally register another complaint regarding my credit report. I have previously navigated this process and have been transferred from one representative to another without resolution. I have received and retained multiple written communications from your organization stating that an investigation would be conducted and that I would receive a response. Unfortunately, this has not occurred, and I have observed inconsistent timelines in your correspondence : some indicate a 60-day response period, while others suggest 30 days. I wish to emphasize that this situation appears to be in violation of the Fair Credit Reporting Act. The account in question does not belong to me and must be expeditiously removed from my credit report, records, and personal identification. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX From : XXXX XXXX ( Legal ) XXXX Sent : Thursday, XX/XX/year> XXXX AM To : XXXX XXXX Subject : Notice of Dispute Good morning Ms XXXX, I hope this email finds you well. I am working in the Litigation department for PayPal. We received your Notice of Dispute from XXXX regarding issues with an unknown PayPal Credit account. Upon review of your account, it appears that the limitations on your account have been lifted and your account has been restored. There is no longer a balance on your account ending in XXXX. Has this matter been resolved? If not, I'd like to set up some time next week to discuss what we can do to resolve this matter as quickly as possible. Best, XXXX XXXX XXXX XXXX XXXX Paralegal, Litigation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX Misrepresentation & Price Packing ( Texas DTPA Violation ) In XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX advertised this vehicle online for {$31000.00}. Upon arrival, the dealer admitted the car was a " return '' ( Used ). Despite this, they processed the financing through XXXX as a 'New ' vehicle to justify a total contract price of over {$52000.00}. This reflects over {$21000.00} in fraudulent price packing. I am demanding a Reformation of the Contract to the advertised price of {$31000.00}. 2. Failure to Apply Warranty Refunds ( CFPB Consent Order 2023-CFPB-0015 ) I canceled all protection products except XXXX. XXXX claims refunds were applied, yet my balance remains at {$30000.00} despite having paid over {$15000.00} in cash. If applied to principal, the balance should be approximately {$16000.00}. If applied to payments, the account should not be " Past Due. '' XXXX is illegally withholding my refunds while charging interest on an inflated principal. 3. Fair Credit Reporting Act ( FCRA ) Violation XXXX granted me an extension to pay by XX/XX/XXXX. I made the payment on XX/XX/XXXX ( Confirmation # attached ). Despite paying 10 days before the deadline, XXXX reported a negative/delinquent status to the credit bureaus. I demand the immediate deletion of all negative reporting associated with this period as the payment was made within the agreed-upon extension. 4. Illegal Acceleration XXXX has issued an Acceleration Letter for {$2100.00}. This acceleration is based on a fraudulent principal amount. I demand a Stay of Repossession while this case is under investigation by the XXXX DMV and the CFPB. RESOLUTION REQUESTED : Audit : Itemized breakdown of all payments and warranty refund applications. Correction : Reduce principal to {$31000.00} and release the title once {$31000.00} ( total ) is satisfied. Credit Fix : Delete all negative credit reporting from XX/XX/XXXX. Cease and Desist : Immediate stop to all repossession efforts.

Company response to consumer: Closed with explanation