vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FinCo Services Inc DBA Current
State: IL

Complaint narrative:
I XXXX XXXX am filing a complaint against a prepaid card company that has filed disputes on my behalf and has not investigated any of them upon my request, giving them receipts on transactions and providing them with evidence on my disputes! This company has not helped me during the time I gave them. The proper evidence, including police reports should be shown. I was ripped off by merchants stealing money off of my card without my authorization when it came down to one transaction at a car lot at the time I gave her my phone to show her an invoice that I paid her during the time {$3000.00} was given on the XXXX. She took my phone and charged {$800.00} without my authorization. Im asking for an investigation into all of my disputes and why the current system has not helped me resolve any of my disputes. I'm asking the Consumer Financial Protection Bureau ( CFPB ) to help me investigate why these card companies have not investigated any of my disputes during the time Ive provided evidence! Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I signed up for a SoFi individual checking/savings account on XX/XX/XXXX and was approved. On XX/XX/XXXX I called back to convert the account to Joint account since I was unable to online. The agent from SoFi customer service said he was unable to change on his end as well, then stated the best way to change the the account was to close the individual account and open a joint account. I followed these instructions but was denied repeatedly on every occasion since up until XX/XX/XXXX. I have spoken to a supervisor who was working on the case for me but after several days of progressing conversations the only response she gave was " unable to overturn the denial. '' No further explanation or alternative. I offered to send the XXXX XXXX XXXX report but stated it was not necessary. My XXXX report was without concerning flags. I have not received helpful advice nor assistance with this issue that started with a SoFi agent providing inaccurate information back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
XXXX XXXX and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am submitting a formal complaint regarding the servicing of my student loan account by Nelnet. I was originally in the SAVE plan but that is no longer available and now my account says Save Plan Pause Forbearance. This is confusing because I was not aware of any Forbearance. I originally enrolled in an Income-Driven Repayment ( IDR ) plan from XXXX. I am currently attempting to make my monthly payments, but I am also trying to enroll in an income-driven repayment plan because the interest rate on my loan is extremely high. Being stuck in this plan without any flexibility is also negatively affecting my credit score. I have experienced ongoing issues with the management of my student loan account, including inaccurate information and difficulties receiving clear and consistent assistance regarding my repayment status. Despite attempting to resolve the matter directly with Nelnet, the issue has not been properly addressed. Specifically, I am concerned about the handling of my account, including possible errors related to payment processing, repayment plan information, and the overall management of my loan balance. These issues have caused confusion and concern about the accuracy of my account and my repayment obligations. I am requesting a thorough review of my account history, including payment records and any changes made to my repayment plan. I would also like a clear explanation of my current loan status and confirmation that all information associated with my account is accurate. I respectfully request that this matter be investigated and that any errors be corrected as soon as possible. I would also appreciate written confirmation once the review has been completed. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
My truck was hit by another driver while parked outside my house. Insurance company the driver had excepted 100 % liability and under assessment found it to be a total loss. I come to find that a lien still shows in the XXXX XXXX at XXXX XXXX years after truck was paid off under original lender XXXX XXXX XXXX XXXX XXXX With no address attached! Over a month past and lien in XXXX system is still showing XXXX XXXX on there! They havent released in documents you demanded them to do, but not to XXXX. I have spoken with them numerous times, and each time stated it will be released within 72 hrs! That has been told to me I think 5 times already! 5 weeks later nothing is done! I come to find through research and digging that a XXXX and XXXX bank party is directly involved and are the actual lien/title holder to date at this very moment! XXXX XXXX was title holder and then merged to the Huntington Nation Bank. Under my tax identification number they hold all rights to lien! I reached out to them and sent me the actual Lien title release. Now I have e 2 from two different banks! Huntington isnt admitting anything by phone calls and has hung up 3 separate times when they had to produce answers! Was put on hold and disconnected all 3 times I called! I dug deeper considering all the illegal activities surfacing! My loan was for slightly less than XXXX. It was reported one time/ one month during the sale XXXX to XXXX and immediately removed from all credit reports after! The alarming part is it showed highest balance to be XXXX and change which didnt match my loan amount at all! It actually matched the sticker price exactly instead. It has never been reported that XXXX ever purchased this loan or the 2 unlawfully repossessions! Never reported anything! Much more involving deferrals and deceptive activities around that with interest in the front of loan which related in the repossessions! Much more to say and the fraudulent activities go way deeper with all said banks!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
A collection account from National Credit Management is being reported on my credit report with the original creditor listed as the XXXX XXXX XXXX XXXX XXXXor {$2400.00}. I do not recognize this debt. I contacted the company requesting validation of the alleged debt including an itemized statement, proof of the original account, and documentation showing they have the legal right to collect this debt. At this time I have not received sufficient documentation verifying that this account belongs to me so remove the account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On or around XX/XX/year>, Bank of America reversed a provisional credit of approximately {$2400.00} that had been applied to my checking account related to a prior fraud claim ( which I acknowledge was denied as the transactions were authorized ). The reversal processed as multiple debit/hold entries on XX/XX/year>, in the following amounts : {$25.00}, {$50.00}, {$65.00}, {$100.00} ( x3 ), {$140.00}, {$150.00}, {$200.00} ( x2 ), {$300.00}, {$500.00} ( x2 ). These deductions totaled about {$2400.00} and caused my account balance to drop to - {$1400.00}. I had previously filed a CFPB complaint regarding the impending reversal and the expected hardship it would cause ( limited available funds of roughly {$400.00} {$550.00} prior to reversal, with essential XXXX bills like rent and utilities due soon in XXXX ). Despite that complaint being open and pending, the bank proceeded with the full reversal deductions on XX/XX/XXXX, pushing the account negative. This has created immediate financial hardship, making it difficult or impossible to pay remaining XXXX bills and risking further overdraft fees ( {$10.00} per qualifying item, max 2 per day per bank policy ). I am not disputing the denial of the fraud claim or reopening the transactions themselves. I am complaining about the bank 's decision to process these deductions while a related CFPB complaint was active, resulting in the negative balance and associated hardship. I request that the CFPB forward this for Bank of America to review and provide relief, such as waiver of any overdraft fees triggered, a goodwill adjustment to reduce the negative balance, or other assistance to mitigate the impact. This is the full descriptionkeep it under any character limits if the portal has them ( usually generous ). After submission, you'll get a new reference number ; monitor the portal for Bank of America 's response ( typically within 15 days ).

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Unity Asset Management
State: CA

Complaint narrative:
I work ar a call center and I am not allowed any personal call. on XXXXXXXX a pre recorded call came into my office talking about XXXX XXXX XXXX and that i owe a debt. all calls are recorded so that is handy to give you. I took my break and sent the attached texts. ive also attached my reply. I still haven't got the verification nor is this company anywhere on any of my 3 credit reports. I'll be fired if the call my job one more time. the t have contacted me three times in 3 days by calling my personal phone and then immediately my place of employment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I contacted Chime XXXX times via phone and filed XXXX formal disputes, submitting evidence including the full XXXX conversation transcript ( showing multiple fraudulent Chime transfers to suspicious tags like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of no product delivery ( invalid XXXX XXXX XXXX and XXXX confirmations of no package record ), forged documents ( fake XXXX invoice and checks ). The total disputed amount was {$620.00} in fraudulent Chime transfers. On XX/XX/XXXX, I called Chime support ( XXXX ) to report a seller scam and initiate a dispute. The representative was abrupt, repeatedly interrupting me and rushing the call without fully listening to my explanation. I provided the transaction details and evidence via a portal link that XXXX had sent. The dispute was filed that day for all transfers, categorized as unauthorized/fraudulent. They claimed a review would take XXXX days but provided no immediate assistance or account suspension for the scammers ' tags. On XX/XX/XXXX, I received an email denial letter for the first dispute : " Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited... this claim is considered closed. '' The letter cited a system review and coordination with other institutions but offered no specific reasons or evidence rebuttal. I called back immediately ; the agent was rude, dismissing my evidence and hurrying me off the phone after XXXX minutes, saying that I would need to upload new evidence. I reopened the dispute that day, and waited for the agent to send the next link so that I could submit new evidence. Despite the agent 's reassurance, I was never sent a link after the phone call. On XX/XX/XXXX, I received another denial email identical to the first : no error found, claim closed, option to request investigation documents. No refunds were ever issued, and Chime did not confirm any action against the recipients ' accounts despite my requests. Throughout, support was unhelpful and dismissive, focusing on policy rather than evidence. I've since requested a copy of the investigation documents used in determining the final outcome of the investigation through a phone call on XX/XX/XXXX, but the agent attempted to claim that she could not provide those documents. When I confronted her about the blatant mistruth, she backtracked and then said that a " XXXX '' will email a copy of the documents after the phone call. She did not provide a timeline of when this email would be sent, even as I questioned, and refused to escalate the phone call so that I could speak to a XXXX myself. The transaction involved clear deception, and I provided substantial evidence showing non-delivery of a product and fraud. Chime twice denied disputes despite this evidence, and support was dismissive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: IL

Complaint narrative:
Request for full discharge for student loans due to Nel Net misleading and unlawful practices. I am writing to formal request the discharge of all student loans held by Nel Net due to the company 's deceptive practice, misrepresentation, and failure to provide proper guidance on my loan repayment options. Nel Net mislead me by steering me away from income driven repayments, which would have made my payments for affordable and eligible for eventual forgiveness. I was repeatedly encouraged to enter forbearance or deferment causing my loan balance to capitalize interests. This manipulation has lead to year of financial strain and profoundly affected my ability to meet my financial obligations. Nel net has a history of misleading my payment status to the credit agencies, severely damaging my credit score. This misleading information provided by their representatives has delayed my pursuit of favorable repayment options and contribute to an overwhelming amount of debt well beyond the original amount barrowed. Thes factors are consistent with the widespread fraudulent behaviors for which Nel Net is being sued by CFPB. Nel Net conduct has caused me significant financial harm, mental distress, and long term burden that could have been avoided with honest and fair guidance. As a barrower who relied on Nel Net advise and trusted my student loans to be fully forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: NC

Complaint narrative:
While I was attempting to set up an account with a company called XXXX, the company requested my PayPal information. I was sent a text with a security code that I was supposed to enter into the XXXX site. When I did this my screen turned red and I was advised to go back to safety. Then I immediately checked my PayPal account and saw that and unauthorized transaction showed up. It was from a strange name, foreign sounding name and the amount of money was in XXXX. I quickly filed a claim with PayPal and it was denied. I immediately called my credit union to have my checking account Frozen so they couldn't withdraw the money. PayPal will not remove the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding an unauthorized account under the name of LVNV FUNDING LLC for the amount of {$670.00} that has appeared on my credit report. This account was not opened or authorized by me and is the direct result of identity theft, for which an investigation is already underway. I am requesting the immediate removal of this account under the following federal laws : Fair Credit Reporting Act ( FCRA ) Section 605B requires credit bureaus to block fraudulent information resulting from identity theft within 4 business days of receiving a valid Identity Theft Report. The Identity Theft Enforcement and Restitution Act Protects victims and mandates corrective action by creditors and reporting agencies. Fair Debt Collection Practices Act ( FDCPA ) Prohibits collection activity on debts resulting from fraudulent accounts. Under these laws, I am entitled to have this fraudulent account blocked and removed immediately. I have already filed an Identity Theft Report with the FTC and am prepared to submit all documentation upon request. I urge the CFPB to hold the responsible parties accountable and ensure this account is removed without further delay. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I havent had Rooms to go account in XXXX years and I want it taken off my credit report. I paid it off years ago. They keep saying the information is incorrect. That is not true!

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
American Express claims that I signed up for a program called " XXXX XXXX ''. This program forced me to use the American Express card to charge {$80000.00} on the card, or I would have to pay a penalty and pay XXXX XXXX {$1100.00}. This is absurd. I never signed up for such a program and they refuse to provide documentation that I did. I am asking that the charge of {$1100.00} be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Student Debt USA, LLC
State: CA

Complaint narrative:
I was a cash paying XXXX and I requested billable statements

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
For the past XXXX years I had been using a Bilt account to pay rent each month. In XXXX of 2025, I had noticed that after a certain point, Bilt had changed their routing information and was not charging me my rent per month. In the meant time, because XXXX was not paying my rent through XXXX XXXX, I had accrued unpaid rent within a XXXX XXXX account which I never enrolled in and never noticed about until I was being charged late fees. XXXX XXXX was would charge Bilt my rent due per month but I was not receiving notice for payment from Bilt this entire time for months because they were not using an updated routing number. After a few months when Bilt wasnt noticing me of payment owed to XXXX XXXX, since I wasn't paying Bilt, I was charged a late penalty and my credit score plummeted. I had fixed the issue with the routing information but by that point the damage to my credit score was already done. I have since this issue and after always paid my bills on time and this incident has ruined years worth of credit build up and will take years to gain it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
This is an unauthorized account that is negatively reflecting my credit profile. Please help me to rectify this error/fraud. To Whom It May Concern, I am submitting this complaint regarding a debt collection account that is being reported and/or collected without proper validation. I formally requested debt validation from the collection agency pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, the collector has failed to provide sufficient documentation verifying : The original creditors full legal name and address A complete accounting of the alleged debt Documentation bearing my signature showing I agreed to the obligation Proof the collector has legal standing/authority to collect Verification that the amount reported is accurate Despite my request, the account continues to be reported and/or collection activity persists. This is a direct violation of federal law. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), a debt collector must cease collection activity until proper validation is provided. I dispute this debt in its entirety. I request that the CFPB require the company to : 1. Provide full and proper validation of the alleged debt ; or 2. Immediately cease collection activity ; and 3. Remove any inaccurate reporting from all consumer reporting agencies if validation can not be produced. Continued reporting of unverified information is harmful and constitutes inaccurate reporting. I appreciate your assistance in ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation