vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year> I made an order through XXXX and they never sent my order nor would they refund my money I spoke with cashapp XXXX a dispute and gave them all the evidence and they said they denied me because I isn't specify what the product or service was which I did in all the evidence so I was told to appeal and for over a week now ive talked to so many people and not one submitted the appeal and now they say they won't

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
( Against Experian XXXX / XXXX | Demand for Total Deletion ) Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Company : Experian Information Solutions , Inc . 
Issue : Inaccurate Credit Reporting / Failure to Conduct Proper Reinvestigation I am submitting this complaint against Experian Information Solutions , Inc. regarding inaccurate, misleading, and unverifiable credit reporting associated with my XXXX  / XXXX XXXX XXXXXXXX XXXX XXXX  ) secured credit card account. 
Experian is currently reporting this account as paid, closed, and with a XXXX balance, yet continues to report 30-day and 60-day late payments. This reporting is inaccurate and misleading. This was a secured credit card account backed by a security deposit, and any balance should have been fully satisfied upon account closure. 
Additionally, the account reflects a highest balance exceeding the stated credit limit, which indicates reporting inconsistencies involving fees or interest that have not been properly explained or verified. 
Experian has failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ), and has failed to properly reinvestigate this account under FCRA 611. Reporting late payments on a paid and closed secured account without complete documentary verification is a violation of the Fair Credit Reporting Act.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
am submitting this complaint again because Wells Fargo has failed to resolve this matter despite multiple complaints filed through the CFPB. The bank continues to provide identical, boilerplate responses that do not address the substance of my complaint. 

I have formally and repeatedly requested full disclosure of all investigative methods, procedures, findings, and supporting evidence related to this matter. Wells Fargo has refused or failed to provide any such disclosure, which raises serious concerns regarding the legitimacy and adequacy of its investigation. 

Despite clear and repeated explanations, Wells Fargo has asserted that I personally activated a credit card that I never received. This assertion is factually false. Nonetheless, Wells Fargo has relied on this claim to repeatedly bill me, resulting in substantial and ongoing harm to my credit report and financial standing.

The continued reliance on a false premise, combined with the refusal to disclose investigative information and the repeated issuance of identical responses, suggests either a failure to conduct a lawful investigation or the possibility of improper and deceptive billing practices.

This conduct may constitute violations of applicable consumer protection laws, including but not limited to obligations related to fair investigation, accurate credit reporting, and dispute resolution.

Given the seriousness of this matter, I respectfully request that the CFPB require Wells Fargo to conduct a proper and documented investigation, provide full disclosure of all investigative materials, correct all inaccurate credit reporting, and bring this matter to an immediate resolution.

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 2026-01-29 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: GA

Complaint narrative:
CREDENCE RESOURCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE 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 2026-01-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America acknowledged over {$42000.00} in unauthorized XXXX debit card transactions and over {$40000.00} pending in a prior CFPB response, yet no reimbursement was ever provided. These transactions occurred during the pandemic XXXX debit card period tied to federal enforcement and class litigation. I am requesting full restitution with interest and written explanation for continued nonpayment.

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 2026-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: TN

Complaint narrative:
My deposit has been delayed and it's had been a snow storm here in Tennessee. I hardly have any food left. This has caused me great hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
CARTER-YOUNG is falsely reporting on my credit. I have never had any accounts with them. Per my research CARTER-YOUNG 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLast 4: XXXXCredit Bureau : XXXX XXXX  Credit Bureau Address: XXXX XXXX XXXX XXXX Md XXXXTo Whom It May Concern,\nThis letter serves as a formal notice of dispute regarding inaccurate, incomplete, and/or unverifiable information currently being reported on my consumer credit file. I am disputing this information pursuant to my rights under the Fair  Credit Reporting Act (FCRA).\nUnder 15 U.S.C. 1681e(b), consumer reporting agencies are legally obligated to maintain and follow reasonable procedures to ensure maximum possible accuracy of the information they report. The continued reporting of the items listed below constitutes a failure to meet this statutory requirement.\nFurthermore, pursuant to 15 U.S.C. 1681i(a), you are required to conduct a  reasonable reinvestigation of each disputed item and either verify, correct, or delete the information within 30 days of receipt of this notice.\nThe following items are being formally disputed:\n\nCreditor Name: XXXX XXXX Account Number: XXXXBasis for Dispute: This account is inaccurate, incomplete, and/or cannot be verified as required by law.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Issue : Failure to process a refund ( {$200.00} ) and multiple missed delivery windows. 
* XX/XX/XXXX : Requested a refund. The company quoted a 10-business-day turnaround for a check in the mail ( Expected XX/XX/XXXX ). 
* XX/XX/XXXX : Refund not received. Requested a reissue, and the company quoted a 15-business-day turnaround for the check in the mail ( Expected XX/XX/XXXX ). 
* XX/XX/XXXX : The date they reissued the check * XX/XX/XXXX : Followed up on the status of the reissue ; funds still not received ( Expected XXXX ). 
* XX/XX/XXXX : The date they reissued the check * XX/XX/XXXX : Issue remains unresolved, still haven't received the check. Despite previous requests, the company quoted another 15-business-day window for another reissue.

* Escalated to a supervisor. Requested a stop payment on the check and a credit back to the account. Was told this would take 12 billing cycles. I can't wait any longer.

Actions Taken : I have contacted the company over four times ( including calls after the dates above ) over the course of three months. Each time the promised deadline passed, and when it came up on the next call, there was no resolution. The company doesnt have in place any procedures or intention to resolve the issue in a timely manner. I also have a balance thats due XX/XX/XXXX. I am requesting an expedited return of the balance to my account or a direct deposit to another checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I provided a written notice of intent to vacate on my move out date. The property confirmed my move-out date as XX/XX/year> in writing on XX/XX/year>. I vacated the unit and returned my keys on XX/XX/year> and signed official move-out paperwork with the property the same day. On XX/XX/year>, I paid {$1200.00} covering prorated rent, utilities, and cable through my final date of occupancy. 

Despite this, the property generated an inflated move-out statement totaling {$4700.00} that includes duplicate rent charges, post-vacate rent, and a full reletting fee. My lease expressly limits the maximum charge for insufficient notice to one months rent of {$1700.00}. The statement also falsely classifies my move-out as lease abandonment and records 0 days notice, which contradicts proof of the written notice, confirmation email, payment records, and signed move-out paperwork. 


XXXX paid {$3000.00} to the property based on this inaccurate ledger and now seeks reimbursement through Bounce AI. XXXX XXXX XXXX is separately attempting to collect the remaining balance. I disputed these charges with the collectors and provided documentation, but both continue to report and attempt to collect amounts derived from the same inaccurate accounting. The debt being reported is therefore inaccurate, duplicative, and based on charges that are inconsistent with the lease and the documented facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: CITIBANK, N.A.
State: DE

Complaint narrative:
Received new card and new account from Citi, made a purchase online and Citi denies purchase, flags as fraud and locks account. 

Called Citi and they refused to verify that is was me over the phone because they were unable to verify my phone number, mind you it was the same phone number these clowns allowed me to open the account with. 

Citi clowns decide that the only way they will verify me is by mailing me a code through usps. Never received code as promised. Called and asked that account just be closed they refused without verification code. 

Citi clowns refusing to close account, have locked ability to make purchases and wont allow me to at least lock card. 

Close the account clowns, I dont need you, nor do I care to do business with a circus.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: B9, Inc.
State: NM

Complaint narrative:
I have a b9 account app we're I get my work deposite on XXXX XXXX I received email that my account was going to be close that I needed to find a form we're my remaining deposite was going to be transfer so I did find the for and send it back I send the info by mail too I received a messages that the form was received I send a messages that I needed to make a despite because I didn't know why I got a charges off wallet fee and a monthly fee and I need to know the reason why the account was close XXXX seance the XXXX I have not received a messages from them I need my money now

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I deposited a {$490.00} payroll check from XXXX XXXX ( drawn on XXXX XXXX ) via mobile deposit. The funds were first promised to be available on XX/XX/XXXX. I went to a branch that day around XXXX and was told there was an adjustment, and the funds would be available by XX/XX/XXXX at XXXX. I waited, but the funds did not show. On XX/XX/XXXX, I went to the branch at XXXX and was told the funds would be available by XXXX. I went home and called customer service later ; they said the funds would be available today but did not give a specific time when I asked. As of now, the funds have still not been made available. This delay is causing financial hardship, including potential late rent. I am requesting immediate review and release of my fund

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 2026-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollins & McVay, P.A.
State: KS

Complaint narrative:
I contacted XXXX and XXXX XXXX. XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, KS XXXX email XXXX XXXX on XX/XX/year> about a completed garnishment in the amount of {$1900.00} but they have take take extra funds in the amount {$310.00} equaling XXXX and was told that my garnishment was completed and could they life the garnishment order. I was told by a receptionist that I still owed {$180.00} which was incorrect. Today they have taken out {$190.00} which is the over the amount explained that is still owed. I am asking that you contact this company and have the extra amount garnished from my checks be returned immediately my agreement order is fully completed and I do not owe them anymore funds. I have proof of all documents needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am requesting a review of my federal student loan due to deceptive practices by the XXXX XXXX  XXXX and mismanagement by my loan servicer, Nelnet. I enrolled in the XXXX XXXX XXXX in XXXX program based on promises of career placement assistance and improved employment opportunities, which were not provided. I relied on these representations when taking out federal student loans. 
After XXXX, I was left without the employment outcomes promised, and my loan balance increased significantly due to accrued and capitalized interest during a period of forbearance. Approximate dates : enrollment XXXX ; graduation XXXX ; forbearance XXXX. Approximate loan amount : {$71000.00}. 
Actions I have taken : I submitted a formal complaint letter and supporting declaration to my loan servicer requesting full discharge under Borrower Defense to Repayment, and I am requesting CFPB review and assistance in ensuring all relief and remedies available are applied. 
The XXXX XXXX XXXX has previously been found by the Federal Trade Commission to engage in deceptive and misleading advertising, resulting in a {$190.00} million settlement that included loan forgiveness for affected students. My experience mirrors these findings, as I relied on similar misrepresentations regarding career placement and employment opportunities. 
Thank you for your time and attention

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX disclosed, sold, or otherwise transferred my personal identifying information and credit file data to Jefferson Capital Systems , LLC without my knowledge, consent, or authorization. I am a Florida consumer, and I was not provided advance notice, meaningful disclosure, or an opportunity to consent to any such transfer of my data. 

I do not acknowledge, recognize, or admit to owing the alleged debt. Notwithstanding this, XXXX furnished my consumer data and alleged account information to Jefferson Capital Systems, which then used that information for collection and credit reporting purposes. 

This unauthorized disclosure constitutes an improper dissemination of consumer information and violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including the requirement that consumer data be furnished only for a lawful and permissible purpose and with maximum possible accuracy. It also implicates Florida consumer protection and privacy standards, including protections against unfair or deceptive acts and practices under the Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.201 et seq. ), as well as XXXX recognition of consumer privacy and data security obligations. 

At no time did XXXX provide documentation demonstrating a lawful basis for the transfer of my credit file, proof of my consent, or proper validation of the alleged account prior to disclosure. As a result, any collection or credit reporting activity by Jefferson Capital Systems is based on an unauthorized and invalid data transaction. 

This complaint is submitted without waiver of rights and does not constitute an admission of liability or acknowledgment of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UPGRADE, INC.
State: MA

Complaint narrative:
How you doing I have an issue with Upgrade Bank. I disputed some charges which my provisional credit was giving but they have suspended my account. I cant access that money nor the money I had in my account my name is XXXX XXXX. I literally have called for days they keep saying Ill get an email update when they make a decision its been over a week with no update while Im trying to resolve these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: MO

Complaint narrative:
Derogatory Marks Change Your Derogatory Marks factor has moved from Excellent to Fair. 

XXXX XXXX XXXX collection was added to your file Between XX/XX/year> and XX/XX/year>, a new account in collections was added to your report. The collection agency is JEFFERSON CAPITAL SYSTEMS XXXX. The original creditor was XXXX XXXX. 

When you've fallen behind on payments and your debt is sent to a collections agency, you can end up with a derogatory mark on your credit report. This often causes a pretty big drop in your score. 

Learn more about accounts in collections. 

Double dipping on old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/XXXX, I paid {$3800.00} through PayPal directly from my bank account for seat covers that were advertised with specific photos and descriptions. What I received were counterfeit items that did not resemble the advertised product in any way. 
I opened a dispute with PayPal for item not as described. PayPal automatically denied the claim stating that purchases of vehicles are not covered by buyer protection. This is incorrect. No vehicle was purchased. This transaction was for seat covers, which are accessories and are explicitly covered under PayPals XXXX Protection Terms of Service. 
I contacted PayPal by phone and spoke with a representative who confirmed that the dispute team clearly did not review the case or the reason for dispute and acknowledged that it had been misclassified. The representative opened an appeal on my behalf. 
Despite this, PayPal denied the appeal again using the exact same incorrect reason, claiming it was a vehicle purchase. PayPal failed to properly review the evidence or correct their error. 
Funds were withdrawn directly from my bank account, and PayPal is refusing to provide buyer protection for counterfeit and incorrectly delivered merchandise. 
I am requesting reversal of this transaction and enforcement of PayPals XXXX XXXX policy for goods not as described.

Company response to consumer: Closed with explanation