vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I received a debt notice from Creedence resource management regarding a debt owed to XXXX XXXX XXXX for {$160.00}. I called Creedence resort management on XX/XX/year> and paid that debt in full. I was declined a receipt when I asked for one. I escalated to a supervisor explaining that the debt was impeding my ability to move and that it was urgent. I was told that I would receive a receipt in a week. I did not receive a receipt and called back XX/XX/year>. I was again declined a receipt and told that it would be a week. I escalated to a supervisor again who was able to provide a receipt by the end of the day. On XX/XX/year> I received a notice from XXXX XXXX XXXX stating they have been trying to reach me regarding the same debt as above, and that they were going to report it again to the credit bureau. I called them and they stated that it was a different debt, then whenever I clarified, it was the same debt they stated that I had not paid it. When I verified that I had paid it with the date and the account number, they stated that it was transferred to XXXX XXXX XXXX on XX/XX/year>. If that is true, Creedance resource management transferred the debt to a new company knowing it was paid, the same day that I paid it. If they did not transfer it that day, they still transferred it knowing that it was paid in full. This, to me, is extremely fraudulent and unethical. XXXX XXXX XXXX states that they needed email evidence showing that I paid the debt. I sent this to them, however, I have not received a response back- though they were happy to take a duplicate payment for the same debt. If I had not of called Creedence resource management demanding that they send me a paid receipt XXXX XXXX XXXX could have easily charged me the same debt, or I would continue to get hit on my credit. Based on the way that this has unfolded, it seems like that is the way both companies do business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
What happened? : Account type : Checking Bank : U.S. Bank ( U.S. Bancorp ) Summary : Repeated overdraft fees despite documented hardship and repeated requests to stop/reverse. Details : I/we experienced a family medical and housing hardship in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX .. To cover rent and medical bills, we used incoming funds and deliberately avoided depositing them at U.S. Bank. Despite contacting U.S. Bank multiple times through all the trials ( including a Supervisor on XX/XX/XXXX ) to explain the hardship, request a freeze on fees, and ask for reversals, we were told there is no alternative and that no one above the Supervisor could assist. Fees have continued to accrue at a rapid pace. According to U.S. Banks own disclosures, they may assess up to three {$36.00} overdraft fees per day under certain thresholds and promote an Overdraft Fee Forgiven grace optionnone of which was made available in a workable way during hardship or would have helped without sameday funds. We requested a freeze and fee relief and were refused. Reference : XXXX page, if needed. We requested opt-outs/stops to prevent new fees ( e.g., debit/ATM overdraft opt-out and stopping preauthorized debits ), but we still received additional fees tied to items clearing during the negative period. There are no available funds to immediately bring the account to a {$0.00} balance. The banks refusal to pause fees or offer reasonable hardship options is causing the balance to snowball. Requested resolution : 1 ) Reverse recent overdraft/extended negative fees assessed during the documented hardship window ; 2 ) Freeze further fee assessment while we work on a plan ; 3 ) Provide a direct contact in an Executive Resolution team who can consider hardship and propose a path that does not require immediate full payoff ; and 4 ) Confirm the account will not be reported to XXXX while we actively work on resolution ( or, if closed, report as paid/settled once resolved ). Timeline/contacts : Calls on XX/XX/XXXX, including a Supervisor who stated no one else could assist. We can upload statements, call notes, and hardship documentation. This complaint is submitted in good faith. We seek a fair, written resolution consistent with U.S. Bank policy and consumerprotection expectations.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
" I am filing a complaint against Credence Resource Management for attempting to collect a debt that has already been legally resolved and verified as paid. On XX/XX/XXXX, I received a collection notice from Credence for an XXXX XXXX XXXX XXXX account ( ending in XXXX ) for the amount of {$650.00}. However, my official XXXX Credit File ( Confirmation # XXXX ), which was finalized on XX/XX/XXXX, explicitly shows that this account was investigated and updated. The XXXX results for this same debt ( previously held by XXXX XXXX XXXX ) confirm : XXXX Status : Reported as PAID IN FULL. Balance : {$0.00}. Credence Resource Management is attempting to collect on a zero-balance, paid account. I am requesting that they immediately cease all collection activity and provide written confirmation that this invalid account has been closed in their system. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I was a victim of Westlake auto loan transferred and was not notified that my loan was being transferred until my vehicle was repo and once i was in contact with them there loan term was unfair and its reporting on my credit report as inaccurate and i also never sign a contract with the company with as well under the fair credit report all 15 USC 1681 i was not treated fair i was trying for the last 30 days this is my XXXX time and there not reading my dispute

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
On XX/XX/year> I recieved a payment of {$4000.00} in XXXX through the XXXX network from my employers payroll provider, XXXX XXXX ( XXXX ). The transaction confirmed on the XXXX with thousands of confirmations. Transaction hash : XXXX The funds were sent to my Coinbase deposit address XXXX. This is the same exact address I used for a {$3000.00} XXXX deposit just last week that went thru fine ( tx hash : XXXX ). Nothing changed on my end between these XXXX transactions. The deposit doesnt show up in my account at all, not even as pending. It looks like Coinbase rotated my deposit address without telling me. But their own help page ( XXXX XXXX XXXX ) says " All addresses that have been generated for your account will remain associated with your account forever. They are safe to re-use to receive future payments. '' So this shouldnt be an issue. I first contacted support thru chat on XX/XX/XXXX ( case XXXX ). The agent told me the address wasnt associated with my account, then later in the same conversation confirmed it actually was the same address from my previous deposit. He told me to wait XXXX hours. After XXXX hours nothing changed so I called phone support and spent over XXXX hours on the phone going back and forth. They kept asking me to contact XXXX XXXX ( the sender ) even tho the XXXX clearly shows the transaction completed and the money was sent to a coinbase controlled address. I provided the transaction hashes, my saved address from XXXX passwords, cited their own help article, and they still couldnt give me a straight answer. After XXXX hours I was told an " XXXX team '' would look into it and it could take up to XXXX business days. Case number from that call is XXXX. So to be clear, first I was told wait XXXX hours. Then after waiting and calling back I sat on hold for over XXXX hours just to be told wait another XXXX days. Meanwhile {$4000.00} is sitting at an address that coinbase controls and their own agent already confirmed belongs to my account. Their own status page also shows they had deposit issues across multiple networks that same week ( XXXX, XXXX, XXXX, XXXX between XXXX XXXX ). I am a paying Coinbase XXXX member. I shouldnt have to fight this hard for a deposit that is clearly confirmed on the XXXX at a valid coinbase address. I am requesting Coinbase credit the {$4000.00} USDC to my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
Nelnet serviced my federal student loans. In XXXX I moved frequently, worked sporadically, then went on XXXX after being let go. I asked Nelnet multiple times for XXXX XXXX and XXXX XXXX options. They refused affordable plans, loans went into XXXX. XX/XX/XXXX : Nelnet sent IRS Form XXXX stating * * entire remaining balance cancelled * *. I disputed in writing ; Nelnet said account was " valid and accurate '' with no explanation. XX/XX/XXXX : U.S. Dept of Education sent Debt Statement demanding * * {$24000.00} * * despite XXXX Credit dropped XXXX points. XXXX threatened. Nelnet 's servicing failures match their history of lawsuits/enforcement actions for XXXX mishandling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing this complaint because inaccurate or misleading banking reports associated with several financial institutions are preventing me from obtaining basic banking services. Several of my bank accounts were closed as internal business decisions even though the final balances were XXXX and there were no outstanding debts, charge-offs, or financial losses to the institutions. Despite this, information reported to consumer banking reporting agencies such as XXXX XXXX XXXX and XXXX appears to be causing automated denials when I attempt to open new bank accounts. In at least XXXX instance, an unauthorized or fraudulent payment was deposited into my account without my knowledge or consent. I did not initiate, authorize, or benefit from this transaction, and any implication that I participated in fraudulent activity is inaccurate. I have contacted the institutions involved and requested clarification and correction of the reporting, but the issue has not been resolved. Because this reporting is preventing me from accessing essential banking services such as receiving payments, paying bills, and maintaining a safe place for my funds, I respectfully request that the CFPB require the institutions to review their reporting, verify the accuracy of the information furnished to XXXX XXXX XXXX and XXXX, correct any inaccurate or misleading information, and remove any unverifiable derogatory reporting. I am requesting that my consumer banking file accurately reflect that the accounts were closed with XXXX balances and no financial loss to the institutions.

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: LIVE OAK BANCSHARES, INC.
State: AZ

Complaint narrative:
I transferred XXXX from live oak bank to my XXXX account. XXXX claims that " XXXX credit is not associated to my name '' so the funds are frozen by XXXX. I did provide XXXX all the required documents ( LiveOak account verification letter, monthly statements ) to prove that the account is mine. XXXX is asking live oak bank to " reach out to appropriate servicing team on XXXX and to initiate a recall request along with a completed uniform indemnity agreement, which is also know as hold harmless form ''. I did reach out to live oak requesting to do it and they just say " We reached out to XXXX '' without explaining whom did they reached out, what did citi respond or if they initiated the Recall with filling out the form. Live Oak doesnt respond back to my emails nor respond back to my voice mails or calls. I starting the process of filling a complaint in the XXXX court against both the banks of wrong doing. Prior to that i kindly request you to get involved XXXX last time and resolve it before i go all out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MA

Complaint narrative:
{$4000.00} was sent to my Cash App account associated with my $ XXXX. The account was originally created with a phone number, which I no longer have access to. Cash App support can locate the account but refuses to restore access because I can not provide the full debit card number previously linked to the account, even though I can provide my government ID, the last XXXX digits of the card, and other identifying information. XXXX repeatedly instructs me to try again in XXXX hours without offering manual identity verification or escalation. I am requesting assistance recovering access to my account and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: VA

Complaint narrative:
Subject : Credit Report Defamation and Inaccurate Reporting Complaint I am writing to formally report inaccurate and damaging information that appeared on my credit report while I was in the process of attempting to purchase a home. During the home-buying process, I reviewed my credit report and discovered items that appeared as damages or derogatory information that I do not believe are accurate. These negative entries have caused harm to my credit profile and affected my ability to move forward with purchasing a home. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, consumer reporting agencies are required to ensure that the information they report is accurate, fair, and properly verified. The presence of inaccurate or unverified damaging information on my credit report is harmful to my financial standing and reputation. These inaccuracies can be considered a form of defamation to my character because they portray financial behavior that is not accurate. As a result, this reporting has negatively impacted my ability to secure housing and financial opportunities. I respectfully request a full investigation of the information being reported. Any items that can not be verified as accurate should be removed immediately in accordance with the Fair Credit Reporting Act. I am requesting written confirmation once the investigation has been completed and the corrections have been made to my credit report. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
My phone and debit card were stolen. Shortly after the theft, multiple unauthorized transactions occurred on my Current account on XXXX XXXX XXXX These transactions included numerous XXXX XXXX transfers to a person named XXXX XXXX in XXXX, XXXX, as well as ATM withdrawals in XXXX, XXXX. I do not know this person and did not authorize any of these transactions. The transactions occurred rapidly and emptied my account within a short period of time. The total amount taken was approximately {$3500.00}. I reported these transactions to Current and filed disputes, but the bank denied my claim and stated that the transactions were authorized by me. These transactions were not authorized and occurred after my phone and debit card were stolen. I am requesting that Current reopen the investigation, review device access records, ATM withdrawal evidence, and authentication logs, and reimburse the unauthorized transactions in accordance with Regulation E protections for unauthorized electronic transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX pulled {$400.00} out of my account that was for an unscrupulous vendor in XXXX. Chase Bank gave me a provisional credit of {$400.00}. I heard nothing from either Chase nor XXXX. On XX/XX/XXXX I called Chase to ask about The posted debits and credits of {$50.00} that were taken from my account pertaining to this fraudulent transaction. I was told by a man at Chase that the refund had been received that I would get the money, during the conversation. I never once told him that the issue had been resolved. I waited for my deposit. It never arrived. On XX/XX/XXXX I called Chase and XXXX in XXXX Claims told me that they had refunded the money back to XXXX because I had said it was resolved. Chase had held onto the refund and then finally returned it on XX/XX/XXXX. She told me they did this because I had reported it had been resolved. That was not the case. The person I talked to on the XXXX misstated the facts. XXXX told me to try to deal with XXXX and file an appeal and if that didnt work to call back and they could do something. Now Chase says they can not reactivate a closed claim and XXXX will not talk to me because a bank had initiated the transaction. XXXX also says they have not received the {$400.00} yet that it can take up to 90 days to receive the refund. I was defrauded of {$400.00} not because of the actions of XXXX but because of how Chase handled my dispute. Chase held the money for weeks yet made no attempt to contact me nor even notify me that they were holding money for me that I had reported as fraudulent charges. Chase says that they record all calls. I asked them to listen to the call that I had made wherein they tell me I said it was resolved. I am a senior citizen and this is senior abuse. I live off Social Security and having {$400.00} taken fraudulently is not acceptable. Chase did me a severe disservice by holding onto money and not making any attempt to contact me. They knew something was wrong or they would not have held it for weeks waiting to see what would happen. Please help me in the resolution of this. Chase had no business returning money that a company had sent to me as a reimbursement for fraud without my permission nor consent. I have listed below my contact information however I did not list XXXX information as my complaint is with Chase bank. Please help me in the resolution of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: AR

Complaint narrative:
Dear Debt Recovery Solution LLC This letter is being sent to you in response to your recent communication regarding the alleged debt referenced above. I am formally requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Be advised that this is not a refusal to pay, but a request that you provide proper verification as required by federal law. Specifically, I request the following documentation : XXXX. Proof that you are legally authorized to collect this debt, including any documentation showing assignment or ownership of the account. XXXX. A full itemized statement of the alleged debt, including principal, interest, fees, and payments made ( if any ). XXXX. A copy of the original signed agreement or contract that created the obligation. XXXX. The name and address of the original creditor, and any evidence showing how the amount claimed was calculated. XXXX. Proof that this debt is within the statute of limitations for collection in my state. Until this information is provided, you must : - Cease all collection efforts, including phone calls and written communication. - Refrain from reporting, or must remove, any related information from my credit reports with XXXX XXXX, and XXXX, as unverified debts can not be lawfully reported. If you fail to validate this debt and continue collection efforts, you will be in violation of the FDCPAand subject to civil liability. Please provide all requested documentation in writing to the address listed above. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description, but someone may still be able to identify me. I consent to publishing this description after the CFPB has taken these steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. Im a XXXX of XXXX XXXX. I was checking my credit report and noticed some fraudulent transactions that were the result of fraud. Someone stole my personal information and opened an account. Please remove all the following fraudulent items from my credit report.

Company response to consumer: Closed with explanation