vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 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: CO

Complaint narrative:
Hello, XXXX reaching out because XXXX having a serious problem with my XXXX forgiveness, and I need help. I had XXXX out of XXXX qualifying payments when it should have been XXXX. XXXX months that should have counted toward my XXXX payments were instead put into deferment without my request, even though I was working in public service during that time. At the time, my payments were very low ( ~ {$13.00} ), but now the next XXXX payments are {$260.00} each because of the deferment. I already made XXXX {$13.00} payment and XXXX {$260.00} payment since I was already supposed to be at XXXX. XXXX now at XXXX but will be out another {$530.00} before I get to XXXX because of this error. Those XXXX months should have already brought me to XXXX payments, but because of this error, XXXX being forced to pay hundreds of dollars unnecessarily. I submitted a borrower-paid buyback request to fix this, but I understand it can take up to 20 months to process, not the 45 days as promised. XXXX asking for help with : XXXX. Expedited processing of my buyback request so these months can count. XXXX. Clarification on whether the $ XXXX XXXX paying now will be adjusted or refunded if the buyback is approved. XXXX. Any assistance to correct this unfair situation so my XXXX eligibility and finances arent negatively impacted by a deferment I didnt request. This is a significant financial burden, and I hope your office can help me get this resolved. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I had an auto insurance policy with XXXX XXXX XXXX XXXX and had their XXXX XXXX installed and active for approximately XXXX year. I was never notified of any issues with the app installation or usage during my entire coverage period. After I switched to another insurance company, XXXX claimed that the XXXX XXXX was not properly installed and sent my account to Credit Collection Services ( CCS ) for {$100.00}, claiming it was a discount that needed to be returned. I contacted CCS and they confirmed this was related to the XXXX XXXX discount but provided no documentation or proof that the app was improperly installed. I am disputing this debt as I believe it is unjustified. XXXX had a full year to notify me of any issues with the app but chose to only raise this issue after I cancelled my policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I leased a couch through Acima. I unfortunately lost my job and was unable to pay. A debt collector has been calling me, my family and ex husband threatening to locate me and file a claim. I asked for verification of the debt or a website so I know they are valid and they can not provide either until the debt is paid. The messages they leave are very frightening. They are also requesting XXXX the original price.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX I called and asked that my savings account be closed. I did this after seeing how awful their service is with an unrelated issue. I had done XXXX XXXX transfers prior to XXXX to clear out 100 % of funds. Those cleared on XXXX and XXXX. It is showing today, XXXX a {$2.00} negative balance even though it let those XXXX transfers complete. I was lied to on XXXX and told the account was closed. Today I see it is not. On both the online chat and on the phone they continue to give me the runaround. XXXX says just XXXX hours and try us again. Another says XXXX hours, on the phone. I offered to pay or be billed the {$2.00}. I demanded the account to be closed. They will no even commit to calling back. I have to spend over and hour on the phone with them each time just to get them up to speed. XXXX commitments from them. They will not simply close the account. They do not provide any reference numbers or case numbers, direct callback numbers, and they will not call me back. It's all anonymous and I'm surely getting the runaround. I simply want to not do business with them, and they will not let me go. There is no open case or commitment from them. If I don't contact them the account stays open and no action. 100 % of action is required to be done by me, and they make XXXX commitments. I just want the accounts closed. I have a credit card with them that I want to be closed too once the balance is cleared, and I fully expect the SAME problems. They ignore customers hoping they will just get frustrated and go away.

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 2026-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
AFFIRM INC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, Midland Credit Management filed a debt collection lawsuit against me in XXXX XXXX Supreme Court, Index No. XXXX, seeking {$8700.00} on an alleged XXXX credit card account ending in XXXX. First, the lawsuit is time-barred. Midland itself reported a Date of First Delinquency of XX/XX/XXXX to XXXX. The applicable three-year statute of limitations under New York XXXX XXXX expired on XX/XX/XXXX exactly 334 days before Midland filed this lawsuit . Midland falsely asserted in its complaint that the statute of limitations had not expired, in violation of 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 5 ). Second, Midland is reporting this account under XXXX inconsistent account numbers across the credit bureaus ending in XXXX XXXX XXXX XXXX XXXXXXXX to Experian and TransUnion neither of which matches account ending in XXXX identified in their own complaint. This three-way inconsistency raises serious questions about whether Midland can identify the account it is attempting to collect and constitutes inaccurate credit reporting in violation of 15 U.S.C. 1692e ( 8 ). Third, Midland 's own attached billing statement shows the final payment before charge-off was returned as NSF-insufficient. Midland nonetheless characterized this returned payment as a valid last payment in its complaint, misrepresenting the payment history in violation of 15 U.S.C. 1692e ( 2 ) ( A ). Fourth, Midland failed to attach the governing written agreement to its complaint as required by New York XXXX XXXX ( f ), and has not produced it despite formal demand in my court filing. Fifth, the process server retained by Midland 's attorneys filed sworn affidavits certifying two mailings to my address one on approximately XX/XX/XXXX and XXXX on XX/XX/XXXX. Neither mailing appears in my XXXX XXXX XXXX daily digest emails for the relevant period, while a court-generated notice was successfully recorded during the same period confirming my XXXX XXXX was functioning normally. I filed a Verified Answer with Affirmative Defenses and Counterclaims on XX/XX/XXXX asserting all of the above. Midland has not responded. I have also filed FCRA disputes with all three credit bureaus citing the account number inconsistencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 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: Chime Financial Inc
State: GA

Complaint narrative:
On Saturday XX/XX/XXXX, I transferred XXXX from my XXXX XXXX to my chime account. At the time my chime account was over drawn. However when I looked at my chime account I saw that XXXX and XXXX was put towards mypay. When I called chime services spoke with XXXX and XXXX who was the sup, regards the transfer. Only then was I told by the supervisor that they system showed my pay time schedule showing from XXXX XXXX XXXX which was incorrect because I get paid every XXXX weeks and the last time I got paid was on XX/XX/XXXX. When I explained that to the sup, she continued to be rude and unprofessional. She also told me that they my bills were showing up as deposits. I asked how could that be and she could not explain and I also asked her what is a qualifying deposit because each time I use mypay my employer checks always covers the repayment but not this time. I also talked to a guy as well who stated he had never see a situation like that before. How can my bills be counted as deposits and how does XXXX XXXX become a qualifying deposit. I also can not view mypay window of time either

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Federal Student Aid has not updated my qualifying payment count despite several attempts to get the system to update ( e.g., employment certifications ; feedback cases submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; several phone calls to both XXXX and FSA ). The payment tracker says it was updated XX/XX/XXXX, and yet the payment count remains at XXXX payments when it should be at XXXX. The feedback cases XX/XX/XXXX and XX/XX/XXXX were closed without a resolution or even a response for that matter. XXXX has sent confirmation to Federal Student Aid ( FSA ) that they have removed the in-school deferment affecting 11 months of payments between XX/XX/XXXX and XX/XX/XXXX. I was in grad school at the time while working for an eligible employer full time and making qualifying payments. XXXX also sent me a letter confirming they removed the deferment, which I provided to FSA in my latest feedback case. FSA has sent several " PSLF Correspondence : Qualifying Payment Update '' letters, the XXXX latest on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. None of these have rightfully counted the XXXX payments missing from the tracker. I have reached 120 months of qualifying employment and have submitted a buyback request. It is especially important to get this resolved so that ( 1 ) the buyback amount is accurate once I receive it, or ( 2 ) if I enter a qualifying payment plan to replace the 16 months of SAVE forbearance, I will not have to make any payments beyond what is required by the program. I have fulfilled my obligation of 120 months of public service. I am ready to get my buyback agreement and pay the amount in order to discharge my loans according to the agreement I made with the federal government under the Public Service Loan Forgiveness programthe government must uphold their end of the agreement.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 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: CA

Complaint narrative:
someone signed up for this card at one of my old address and used my information that was in my mailbox name and address they stole my identity opened up this credit online and took out money I am a victim of identity theft, this debt is not mine and I don't owe this its hurting my credit score and I would like to take this off my credit score there is not physical proof or signatures from me by this company and they did not provide the signatures I asked for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
I am feeling a complain a regarding an international money transfer that was marked as completed but the funds were never received. On XX/XX/XXXX, I sent {$130000.00} ( converted to XXXX {$7.00} ) through sendwave to a recipient ( XXXX XXXX XXXX XXXX XXXX ). The transfer status show was completed ; however, the funds have not been delivered to the recipients account. I have contacted XXXX support multiple times and was assisted by representatives names XXXX and XXXX. I was given timeframes of 4-5 hours and later 48 hours for resolution, but no solution or update has been provided. Additionally, I have not received The E2E ID for the pix transaction an official pix receipt Any confirmation from the receiving bank I have verified that the CPF and receiving account are correct and functioning, as another pix transfer to the same account was successfully received instantly. The indicates that the issue is not on the receiving side. At this point, I am requesting 1- proof of delivery of the funds ( including E2E ID and official confirmation ) 2- an immediate full refund in the transfer can not be confirmed. This situation is urgent and I request immediate investigation and resolution

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: CA

Complaint narrative:
I have been XXXX for over a year and have experienced repeated issues with my mortgage lender while attempting to obtain and use mortgage forbearance. During my first attempt to enroll in forbearance, my application was approved and confirmed. However, despite the approval, the lender continued to automatically deduct my monthly mortgage payments from my checking account on each due date. I attempted to cancel the automatic payments and request refunds for the withdrawn funds, but my efforts were unsuccessful. After repeated frustration, I felt forced to give up and allow the payments to continue. Later, when my financial situation worsened, I applied for forbearance a second time. Again, I received official documentation confirming that my forbearance had been approved, with a term of three months and no payments due during that period. Because of my prior experience, I contacted customer service in advance and was reassured that no payments would be deducted during the forbearance period. Despite these assurances, the lender continued to withdraw funds from my checking account. Approximately two weeks before the scheduled deduction, I attempted to cancel the auto-pay feature through both the lenders website and mobile application. However, I was unable to make any changes due to repeated error messages. The XXXX XXXX XXXX platform directed me to the LoanCare system, where all relevant options were inaccessible or blocked, preventing me from canceling auto-pay entirely. After contacting customer service again, I was told that in order to investigate the issue, I would need to wait until my bank statement reflects the charge and then submit documentation before any potential refund could be reviewed. This process creates an additional delay and burden. I was relying on those funds for essential living expenses, and the lender withdrew nearly all of my available cash. The situation has caused significant financial hardship. Based on these repeated experiences, I believe the lenders practiceswhether through system design, technical barriers, or process delaysmake it unnecessarily difficult for borrowers to benefit from approved forbearance programs and to recover improperly withdrawn funds.

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 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I am disputing a debt being collected by Southwest Credit Group regarding a XXXX account. This debt is the result of a verified billing error acknowledged by the original creditor. I have proactively contacted XXXX multiple timesincluding their corporate supervisor tier and official support forumsoffering to satisfy the balance in full directly. I am attaching a PDF transcript of my conversation with XXXX XXXX confirming they are unable to resolve this. Furthermore, I have also attached a digital recording of a XXXX supervisor explicitly refusing to facilitate a " Debt Recall, '' effectively blocking my ability to pay the creditor and resolve the error. Despite being notified of this dispute and my intent to pay the creditor, Southwest Credit Group continues to report this as a delinquent collection, causing ongoing damage to my credit profile and hindering my business financing. I have exhausted all internal channels. I request that SWC Group cease collection activities and remove this trade line immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, a {$330.00} loan was created on my Cash App account through the Borrow feature. However, the {$330.00} was never made available in my account balance at any time. Immediately after the loan was created, multiple repayment transactions were recorded within the same minute, including amounts such as {$22.00}, {$31.00}, {$42.00}, {$21.00}, and {$52.00}. These transactions occurred within seconds of the loan being issued. This activity is not logically possible, as a loan can not be borrowed and repaid simultaneously within the same minute. This indicates a system or processing error, not normal user behavior. Additionally, despite these repayment transactions appearing in my account history, my loan balance still shows {$340.00} owed ( including fees ). This confirms that : The repayment transactions were not properly applied to the loan balance The loan funds were never actually delivered to me I am being charged for a loan I did not receive I contacted Cash App support multiple times ( approximately 10 calls ) and was repeatedly instructed to wait for the investigation. Despite following these instructions, my case was later closed for no response, which is inaccurate. Cash App denied my claim, stating the transaction was authorized, but failed to provide any documentation showing : Where the {$330.00} was delivered Proof the funds were made available to my account Any transaction logs or technical explanation for the conflicting activity I am unable to properly dispute this through the app, and the issue remains unresolved. This appears to be a system error involving a loan being created, repayment activity being triggered immediately, and funds never being delivered, while I am still being held responsible for repayment.

Company response to consumer: Closed with explanation