vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: ME

Complaint narrative:
I was instructed ( by AidVantage representatives ) to not make payments on my XXXX XXXX XXXX student loans while my XXXX  XXXX XXXX loans were being separated and processed under federal borrower defense discharge ( Servicer-directed nonpayment ). During this time, my account remained in administrative hold status, and interest accrued continuously ( Interest accrual during forced hold ). I was not provided a way to make payments without interfering with federal processing ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: CA

Complaint narrative:
XXXX. On XX/XX/XXXX, I disputed the DEPTEDNELNET ( Nelnet ) tradeline with TransUnion. 
The dispute was approved, and the tradeline was removed from my credit report after the creditor failed to verify the information as required under the Fair Credit Reporting Act ( FCRA ). 
XXXX. On or about XX/XX/XXXX, the same DEPTEDNELNET tradeline was reinserted onto my TransUnion credit report after having been previously deleted. 
XXXX. I did not receive written notice from TransUnion within XXXX business days of this reinsertion, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I disputed the reinserted DEPTEDNELNET tradeline again with TransUnion. 
XXXX. Following this dispute, TransUnion updated the account with the remark Dispute resolved subscriber disagrees, which allowed the negative tradeline to remain on my credit report. 
XXXX. This conduct constitutes repeated reinsertion and continued reporting of information that had previously been deleted, without proper notice, and despite the account being obsolete and disputed multiple times. 
XXXX. As of the date of this statement, the DEPTEDNELNET tradeline remains on my TransUnion credit report for the third time, despite prior deletion and unresolved statutory violations. 
XXXX. In addition to reinserting the previously deleted tradeline, the furnisher and bureau increased the negative information associated with the account, demonstrating the addition of new data to an obsolete tradeline after notice of prior disputes and deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AmeriCollect
State: WI

Complaint narrative:
They sent me a bill for medical debt that is not my responsibility. I had XXXX XXXX insurance through the state of Wisconsin that should have covered the bill. It is illegal for a provider to send a bill to anyone with medical insurance through the state of XXXX. The provider had my medical insurance information and so did the collector. Last year they posted it on my credit report illegally and it was reported as charged off. As of XXXX it is reported as open and I am now being harassed for the money by their attorney. They extensively damaged my excellent credit score and continue to find new tactics to collect a debt that is legally not mine. They should be taking this up with the insurance company that underwrites my policy through the state of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I was charged {$240.00} for a product that I never received. Despite notifying XXXX multiple times, they continue to demand payment and are insisting I provide a police report before they will take any action. Jefferson Capital is now attempting to collect this debt and has reported it to credit bureaus, even though the debt is disputed and unverified. I have repeatedly informed both XXXX that I am not responsible for this charge, but collection attempts continue. 

I want the debt removed from my credit report and collection attempts stopped, as this charge is invalid and XXXX has not fulfilled their obligation to provide the product.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
God day. I have provide all need information for both account, you have closed here the need information, The documents upload in the complaint were requested by XXXX and XXXX in respond to my prior compliants concerning the same credit reporting issue, please apply verified information to the previously closed complaint and proceed with reivestiagtion, Thank you and continue to have a very blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I received a credit card that I did not apply for and its on my credit report. This was fraudulent. I did not open this account. My identity has been compromised. The account is Wells Fargo. And it was sent to my old address.

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 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Concora Credit XXXX XXXX XXXX XXXX, NC XXXX Attn : Compliance / Customer Relations To Whom It May Concern, I am writing to formally dispute the continued assessment of fees and to demand corrective action regarding my Concora Credit account ( account ending in XXXX ). 
On XX/XX/year>, this account was paid in full in the amount of {$1200.00}. At that time, I explicitly requested that the account be closed. Despite this request, the account was not closed as instructed. I have since made multiple additional requests to have the account closed, all of which have gone unfulfilled. 
As a direct result of Concora Credits failure to close the account per my request, fees have continued to be assessed improperly. These charges are not the result of consumer inaction, but rather the failure of your organization to execute a clear and documented closure request. The continued assessment and reporting of fees under these circumstances is inaccurate, misleading, and unfairly damaging to my credit profile. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of credit information are required to ensure the accuracy and integrity of information reported to consumer reporting agencies and to promptly correct or delete information that is inaccurate or misleading. 
This request is made in good faith and in the interest of resolving the matter efficiently. Should this issue remain unresolved, I am prepared to pursue further remedies, including formal disputes with the consumer reporting agencies and submission of a complaint to the Consumer Financial Protection Bureau. 
I expect your prompt attention to this matter and written confirmation of resolution. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CO

Complaint narrative:
I am submitting this complaint because Halsted Financial Services , LLC sent me a debt collection notice regarding a debt that does not belong to me and disclosed another individuals private debt information to my email address. 

On XX/XX/year>, I received an email from Halsted Financial Services identifying the alleged debtor as XXXX XXXX and referencing an account originally with XXXX XXXX, XXXX that was sold to XXXX XXXX, XXXX. The email included detailed debt information, including creditor names, balances, account references, dispute rights, and deadlines. I am not XXXX XXXX and have no association with this individual. 

This communication constitutes an improper third-party disclosure of consumer debt information. The notice was sent directly to my personal email address, exposing private financial information belonging to another consumer. 

Compounding this issue, Halsted Financial Services , LLC has previously contacted me regarding a separate debt that I actually owe, which raises serious concerns about account contamination, inadequate internal controls, and improper handling of consumer data. The reuse of my contact information for an unrelated consumers account suggests a failure to maintain accurate records and safeguard personal information. I am concerned that this error may indicate broader deficiencies in the companys data handling and consumer privacy safeguards. 

This error caused confusion and concern that the debt was being improperly attributed to me, and it demonstrates questionable collection practices and data management procedures. 

I believe this conduct violates federal consumer protection laws governing debt collection and third-party disclosures, and I am requesting that the CFPB review Halsted Financial Services , LLC practices for compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: IA

Complaint narrative:
I asked cash app why have I paid twice for replacement card 's and never received them? They explained that I have more than XXXX cash app account and I need to close the other account or I can not have another card. I did not receive a refund for the card 's purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XXXX I purchased a new XXXX XXXX  and tried purchasing XXXX games which were XXXX different prices. Received text about fraud. Responded to text that it was not and transaction was attempted minutes later as stated in text with no issue. Next day on XXXX attempted to purchase some online and transaction did not go through. Assumed it was a site error. Did not retry transaction as I was giving site time to fix issue. Later that day went out to eat and attempted to use card to pay bill. Card was declined. Customer service called from restaurant and attendant states issue would be resolved in XXXX minute. Was unable to pay for dinner. Someone else ended up paying. This was a big inconvenience. Today XXXX attempted to purchase something online and card was declined again. Checked mobile app and card seemed to be fine. Called customer service to discuss issue. Attendant states card must be unlocked by supervisor. Requested to speak with supervisor. On phone call for over XXXX minutes. XXXX stated they would connect call but never spoke to supervisor. Attendant states supervisor was in a meeting now. Issue was never resolved and card is still locked. Attendant states they would place a request to unlock card and to wait an hour or so for card to be useful. Still unable to use card and purchase is timed. May lose my purchase. Very inconvenient. Displeased with this practice. Transaction was allowed but card was locked after? Very silly practices. Not happy and outraged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Check my report and best buy and XXXX XXXX ran my credit never applied for nether

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 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I sent money to wrong person by mistake it was XXXX $ so not a small amount. As soon as I knew i did everything i could do and was supposed to do. I reported it contact cashapp and waited. It went from taking a day, to a week to XXXX days to reply and I did not hear from them till XXXX months later. They do not contact other person, they won't do anything at all. I tried to contact other person but you know very well they not going to give back the money. He lied, CashApp not helping and took way too ling to reply. Just funny they won't do anything but just say you should do this. Mistakes happen and they don't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
A collection company claiming that owe a medical debt for services that I didnt receive, it was put on my credit report and removed after my dispute, they have now sold it to another company and put it on my credit report in which I have once again disputed it. Its for {$1400.00} from XXXX XXXX XXXX who has sold it to XXXX XXXX services.

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 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I've asked cash app to refund several time to refund because I was scammed the refused, there is no protection because the scam can use there app to get my money. Then I asked them track the number down so I can sue the scammer but cash app refuses to give me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent them a letter to verify that the XXXX  XXXX was valid.

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 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
XXXX XXXX XXXX  has filed an obtained a default judgement against me on behalf of tempoe llc in XXXX XXXX  district court, I was never served with a summons or complaint, I never received a notice to appear, my default judgement arrived via usps with my writ of garnishment, They did not give me any notice of this debt or that it was even owed by me, they failed to verify or validate this debt. The debt in question was a result of identity theft and not mine to begin with, and XXXX  was ordered to stop all collection actions in XXXX. they have now filed a XXXX  of garnishment that was filed. The attorney they have listed on the court documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was paid but after I went to cash it they stop payment an they was a problem cashing it didn't find out until 2 months later. My employer XXXX XXXX had not paid me and gave me a bad check to avoid paying me. XXXX was the name of the owner and check written my account was over draft and closed due to the problem the sender did. And it causes chaos in my financial background since.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Company : Synchrony Bank Product : Credit Card XXXX XXXX XXXX Consumer State : Illinois Complaint Details I am submitting this complaint regarding Synchrony Banks improper denial of a fraud claim and appeal for an unauthorized credit card transaction, and its failure to comply with the Fair Credit Billing Act and Regulation Z. 

An unauthorized charge in the amount of approximately {$8400.00} appeared on my XXXX XXXX account issued by Synchrony Bank on XX/XX/XXXX. The transaction is identified as originating in Florida. I did not authorize, initiate, or participate in this transaction. Neither I nor any authorized user on the account was physically present in Florida at the time of the charge, and no permissionexpress or impliedwas given to any third party to use the card or account. 

The fraudulent charge was reported immediately on XX/XX/XXXX, at approximately XXXX XXXX., by calling the phone number listed on the back of the credit card. 

Despite timely reporting, Synchrony Bank denied the fraud claim and a subsequent appeal, holding me financially liable. Synchrony asserts that I benefited from the transaction ; however, the bank has failed to provide any evidence to support this determination. 

During communications, Synchrony Bank acknowledged that it can not determine or provide basic transaction information, including : Whether the transaction was card-present or card-not-present Whether the transaction occurred in-store or online What was purchased or whether it involved XXXX or multiple items Whether any goods were shipped, and if so, to what address Despite the absence of evidence demonstrating authorization, Synchrony continues to assign liability to me as the consumer. This improperly shifts the burden of proof and is inconsistent with Regulation Z ( 12 CFR 1026.12 and 1026.13 ), which requires the creditor to demonstrate authorization before imposing liability for an alleged unauthorized transaction. 

Additionally, the disputed charge remains reflected on my account, causing ongoing financial harm. This raises further concerns regarding compliance with Regulation Z billing error resolution requirements. 

A Better Business Bureau complaint was submitted today documenting these issues. A police report documenting this transaction as unauthorized credit card fraud/identity theft is scheduled to be filed on Monday, XX/XX/XXXX. 

I am requesting CFPB assistance to require Synchrony Bank to : XXXX. Reverse the unauthorized charge XXXX. Correct my account balance XXXX. Confirm that no adverse credit reporting has occurred or will occur XXXX. Properly apply federal consumer protection requirements under Regulation Z

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 2026-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Yes I had open the accounts on line had to go to a branch for identication showed them my ID and such they had to issue another debit card had nothing but problems then said they was closing my account saying it didn't belong to me I don't understand now I can't get my funds back it's XXXX dollars the name of the back is Wells Fargo and the name on my account is XXXX XXXX XXXX. 

Thank you 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
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I disputed this collection account and requested full debt validation. The company did not provide complete validation or proof of ownership, yet continues reporting the account. The account is also appearing with inconsistent creditor names and duplicate-style entries across my credit reports. This is inaccurate and misleading reporting and is causing ongoing credit harm. I am requesting deletion of the account due to failure to properly validate and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: NV

Complaint narrative:
Under the doctrine Estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted XXXX XXXX XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX XXXX XXXX a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an account on my credit that does not belong to me. I asked XXXX XXXX XXXX to remove the unvalidated information showing {$3700.00} and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXX XXXX XXXX  ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX XXXX XXXX and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe XXXX XXXX XXXX You can not because this is not my debt nor do I owe XXXX XXXX XXXX anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM XXXX XXXX XXXX  NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!

Company response to consumer: Closed with explanation