vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and duplicative credit reporting related to my federal student loans, which have been serviced by Nelnet and the U.S. Department of Education.

After reviewing my credit reports, I discovered that my student loans are reporting duplicate late payments and incorrect delinquency dates across multiple tradelines. These inaccuracies appear to stem from servicer transfers and administrative changes, during which negative payment history was improperly duplicated or re-aged.

As a result, my credit file materially overstates delinquency and misrepresents my true repayment history, causing ongoing consumer harm.

. SPECIFIC PROBLEMS IDENTIFIED The issues include, but are not limited to : Duplicate late payment notations for the same periods of time appearing across multiple student loan tradelines ; Incorrect date of first delinquency and last activity dates that do not align with my actual repayment status, including periods of deferment, forbearance, income-driven repayment, or administrative transfer ; and Continued reporting of delinquency by subsequent servicers for periods that predate their servicing authority.

Federal student loans constitute a single obligation, even when transferred between servicers. Negative payment history may not be duplicated or carried forward in a manner that exaggerates delinquency.

3. WHY THIS IS A LEGAL VIOLATION ( IMPORTANT ) Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681e ( b ), consumer reporting agencies and furnishers must ensure maximum possible accuracy. Reporting that is duplicative, misleading, or that overstates delinquency violates this standard.

Under 15 U.S.C. 1681c ( a ), negative information may not be re-aged to make delinquency appear more recent than it is.

Under 15 U.S.C. 1681s-2 ( b ), once notified of a dispute, furnishers must conduct a reasonable investigation and correct or delete any information that can not be fully verified.

Higher Education Act Pursuant to 20 U.S.C. 1080a, federal student loan servicers are required to furnish accurate, consistent, and non-duplicative information to credit reporting agencies. Servicer transfers do not create new delinquent obligations.

Consumer Financial Protection Act ( CFPA ) Under 12 U.S.C. 5536, it is unlawful to engage in unfair, deceptive, or abusive acts or practices, including misrepresenting loan status or furnishing information that causes consumer harm through inaccurate credit reporting.

4. HARM CAUSED The inaccurate reporting has : Artificially suppressed my credit scores ; Created barriers to obtaining mortgage approval ; Misrepresented my creditworthiness to lenders ; and Caused ongoing financial and emotional distress.

This harm is ongoing as long as the inaccurate information remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Company : Nelnet Issue : Incorrect information/ Attempts to collect debt not owed While the debt remains formally disputed and unvalidated. Nelnet claims in 30 days to put my loan into default, which is an improper threat of acceleration. They have provided me with no proof of signed promissory notes and have failed to provide any signed or electronically authenticated documentation, proof of ownership, or method of verification. The response to my prior dispute consisted of conclusory statements without evidence despite unresolved disputes and identity theft concerns. and a lack of validation, Nelnet is engaging in collection activity and threatening acceleration, I am requesting that Nelnet : Provide documentary proof of the alleged debt Cease collection and default actions pending validation Correct or delete any credit reporting related to this account This complaint concerns failure to conduct a reasonable investigation and improper collection activity during an active dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : FINAL NOTICE FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account.

Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation.

Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title, including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information, if required by law in your jurisdiction.

A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to consumer reporting agencies is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information.

Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1692f Unfair practices 15 U.S.C. 1692g Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within fifteen ( 15 ) calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and court costs.

This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and pursue civil litigation. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened XXXX Certificates of Deposit ( CDs ) online with TD Bank, funding them from my checking account. At the time of opening, there was no prominent disclosure that closing the CDs, stopping automatic renewal, or liquidating them would require an in-branch visit or notarized documentation, making it effectively impossible for cross-border banking customers like myself to manage these accounts. 

Despite TD Bank allowing online instructions for funding CDs, wiring funds, closing checking and savings accounts, and making XXXX payments, they refuse to allow any online instructions to liquidate these CDs to my own account. no logical explanation is possible to explain the disparity ( or at least lack of clear disclosure ). 

Additionally, no renewal notices were sent to my email, despite a clear agreement at account opening that such notices would be provided. 

These practices constitute a lack of transparent disclosure, inconsistent online service policies, and unfair barriers to account access, resulting in significant inconvenience and potential financial harm. I request that the CFPB review TD Banks policies regarding CD closure, renewal notices, and online account management, and ensure that consumers are properly informed of restrictions at the time of account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/year> I became aware of unauthorized charges when my credit report showed a late payment of {$170.00} and a balance of {$4600.00} on a credit card that was paid off and I thought closed on XX/XX/year>. When I first paid this it was posted to the wrong account and took many calls to get right and that was done on XX/XX/XXXX XXXX. I have frozen my credit on all three credit bureaus on XX/XX/year> and filed a dispute with Synchrony Bank on XX/XX/year> and with, XXXX XXXX and XXXX. I also confirmed with JC Penney on XX/XX/year> that the JC Penney card was closed and customer service confirmed it was closed due to inactivity. I was informed by Synchrony bank this card was used in the XXXX Texas area on XXXX and XXXX. I was not in the XXXX area during that time but in my home in XXXX Indiana. I have not been in the XXXX area for several years.

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I received a letter from BMO Harris stating that they are closing my account immediately and there is nothing I can do about it. The card is paid in full and I do not have a balance at this time. My husband and I have each our own credit card with BMO Harris Bank. He received a letter in the mail stating that if he didnt use the card that they may close the account, he used his credit card so that the line of credit would stay open. I did not receive a letter warning me at all about what might happen with the card. They just closed it without any type of warning this appears to be unfair practices against one customer over another as indicated by my husband getting a letter and me getting nothing. BMO Harris should have allowed me an opportunity to keep the card. I tried to apply for a new card and was denied by having them close the credit line. It hurts my credit score and now that Ive applied for a new credit card and did not get it. That also hurts my credit score. BMO Harris is hurting my credit score by unfairly closing my account without any type of warning they do give warnings to some customers as my husband was warned about 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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: IA

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
FOLLOW-UP COMPLAINT : Coinbase made XXXX written promise to recover my {$150000.00} XXXX, then refused to honor it after the condition was met. 

BACKGROUND : On XX/XX/XXXX, I transferred {$150000.00} XXXX from my Coinbase retail account to my Coinbase Prime institutional account via Base network. Coinbase 's interface showed Base as " compatible '' and allowed the transfer to preview successfully. The transaction completed on-chain ( TX : XXXX ), but funds were never credited to my XXXX account. 

THE WRITTEN PROMISE : On XX/XX/XXXX, Coinbase Prime Operations wrote to me : " If we adds Base network to XXXX in the future, your funds will be recovered. '' THE CONDITION IS NOW MET : Base XXXX  IS NOW SUPPORTED on Coinbase Prime. I confirmed this in XX/XX/XXXX by logging into XXXX and seeing XXXX XXXX deposit functionality available. 

COINBASE CHANGED THE TERMS : In their response to my prior CFPB complaint ( # XXXX ), Coinbase now XXXX they need a separate " asset recovery for misrouted funds '' feature - a completely different condition than what they promised. They are moving the goalposts. 

WHY THIS IS WRONG : XXXX. Both Coinbase retail and Coinbase XXXX are owned by Coinbase , Inc . 
XXXX. Base blockchain is owned and operated by Coinbase XXXX. Coinbase controls the wallet holding my funds 4. Coinbase made a specific written promise that recovery would occur when Base was added 5. Base is now added, but Coinbase refuses to honor their promise EXHAUSTED REMEDIES : - Coinbase Prime Ticket # XXXX : Open XXXX months - Formal Complaint # XXXX : Open 3 months, no progress - XXXX closed support tickets since XX/XX/XXXX - Prior CFPB complaint # XXXX : Closed with inadequate response - DFPI Complaint # XXXX : Filed XX/XX/XXXX - Formal demand letter sent to Coinbase XXXX  : XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: IN

Complaint narrative:
I am filing a complaint against LoanMart XXXX XXXX XXXX XXXX ) for harassment, negligence, and mishandling of my vehicle title after settlement payoff. 

Prior to payoff, I was subjected to aggressive and harassing collection conduct by LoanMart. Despite this, I paid my settlement in full. 

On XX/XX/year>, I contacted LoanMart specifically to update my mailing address. During that call, I was expressly assured by LoanMarts representative that my address had been successfully updated to XXXX XXXX XXXX XXXX, XXXX, IN XXXX and that my vehicle title would be mailed to that address after payoff. 

Contrary to this assurance, after the loan was paid in full, LoanMart negligently mailed my vehicle title to an incorrect address. This error was entirely within LoanMarts control and represents a failure to exercise reasonable care in handling a sensitive legal document.

As a direct result of LoanMarts negligence, I lost a confirmed vehicle sale in the amount of {$11000.00} because I could not timely produce the title. This constitutes actual, quantifiable financial damages.

LoanMart has compounded this negligence by attempting to require that I pay for a replacement title, despite the fact that the address update was confirmed and the error was caused solely by LoanMart.

I am requesting CFPB assistance to hold LoanMart accountable for its negligent title handling, unfair practices, and resulting financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OZK
State: IL

Complaint narrative:
I am writing regarding insurance proceeds currently being held in escrow by my mortgage servicer following a covered insurance claim. 

The insurance claim was approved, repairs were fully completed, and I paid for the repairs out-of-pocket. I have provided all documentation requested by the servicer, including invoices, proof of payment, and evidence of completed repairs. 

Despite satisfying all conditions for release of the funds, the servicer has failed to respond to multiple written requests for release of the escrowed insurance proceeds. It has now been more than 30 days since my last communication, with no response or explanation provided. 

At this point, the continued withholding of funds constitutes an unreasonable delay. The servicer is acting as a custodian of these funds and has no remaining justification to hold them. 

I am requesting immediate review by the servicers compliance department and prompt release of the insurance proceeds being held in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: GA

Complaint narrative:
Company : Klarna , Inc.

Issue Type : Fraud / Unauthorized Transaction Product : Buy Now, Pay Later ( BNPL ) What happened On XX/XX/XXXX, unauthorized and fraudulent charges were made on my Klarna account. I reported the fraud to Klarna the same day it occurred ( XX/XX/XXXX ) through their reporting process. 

Despite reporting the fraud immediately and fully cooperating, Klarna has failed to resolve the fraud claim. As of XX/XX/XXXX, more than 80 days have passed with no final determination, no permanent credit, and no clear explanation for the delay. 

Unauthorized/fraud claims should be handled promptly. Klarna has had more than sufficient time to investigate and resolve this matter. The prolonged delay is unreasonable and has caused ongoing financial stress and uncertainty. 



Why this is a problem? 
I reported the fraud the same day it occurred I did not authorize the transactions Klarna has not provided a final written decision Klarna has not permanently removed the fraudulent balance The investigation delay exceeds a reasonable timeframe for fraud resolution Klarnas failure to timely resolve this fraud claim appears to be an unfair consumer practice and a failure to properly handle an unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 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: NY

Complaint narrative:
This is based on closed case- XXXX. I am still being charged a subscription fee from XXXX XXXX even after my case was closed. This is about my Chase credit card. On XX/XX/year> I was charged {$6.00} on my chase card by XXXX after the case was closed and Chase said it was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
My account was fraud and I was trying to get my money back and they denied me twice when I sent all information clearly showing that it was fraud. And I wanted to know why they denied me and they have not sent me any information when I have all evidence that it was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: MI

Complaint narrative:
I put in a complaint and received a correspond PayPal XXXX Bank they closed the complaint but like i side before they still done understand their role. Kicking the can down XXXX XXXX does not resolve the problem. I have provided receipts proving that their service provider kept the money and sent invoices to PayPal XXXX XXXX  XXXX they, claimed they have received a copy of my cancelled check, interesting I used my personal credit card. use XXXX which is wire transfer. Pay Pal/ XXXX XXXX XXXXXXXX in reviewing my account the money was not applied of course not, I paid XXXX XXXX my credit card who sold me the classes, I have XXXX receipts plus Bank statements that shows proof that XXXX XXXX those funds. The date on my statement matches. Pay Pal continue to give me temporary credit. meaning they are still billing me for {$3000.00} dollars that I do not owe. PayPal name is all over my Receipts along with XXXX. Showing XXXX got paid. Of course, they did Pay Pal sent emails showing XXXX were paid the same day of purchased. Now receipts are proof of payments, documenting financial transactions with detail vendors dates and the exact total amounts. I'm asking for an XXXX  this has been going on since XXXX XXXX through XXXX Pay Pal talks a bad game I have all the receipts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tri-State Adjustments, Inc.
State: TN

Complaint narrative:
This regarding a complaint previously submitted regarding XXXX. The complaint number is XXXX. This has now been turned over to a collection agency. 

The original complaint : I have stage XXXX XXXX XXXX. I have a XXXX XXXX plan with XXXX. As a result I was prescribed a breathing device ( since returned ). The device was provided by XXXX, a division of adapthealth. XXXX has a capitation agreement with this company.I had met my maximum out of pocket/co-insurance maximum for the XXXX XXXX 's for the service clearly state that I owe no further payment to this company.I also have contacted XXXX, who have repeatedly called the company and also sent a certified letter with all the pertinent information to the company which they signed for on XX/XX/year>. I received no response from the company. The dates of service were XX/XX/year> which they claim I owe {$140.00} and XX/XX/year> also for {$140.00}. They also charged my credit card on file for service on XX/XX/year> for {$140.00}. In my certified letter I also requested a refund for this charge which was also ignored. I am receiving threats about referring these charges to an an attorney or collection agency. The harassment is becoming a real burden along with trying to cope with my XXXX. If I owed this debt, I would gladly pay it. But, I don't. In fact, the company owes me {$140.00}. If you need further information, please advise. 

Attachments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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