vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 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: Paypal Holdings, Inc
State: LA

Complaint narrative:
I opened a XXXX  checking account on XX/XX/year>. I waited about a week for my debit card to come in because I was gon na use XXXX  as my primary checking account. Now when I finally received my card, I tried to activate it, but it said I could not due to the fact that it said wrong XXXX or expiration date, although everything matched up on XXXX  and and matched up on my end, as far as the card on my app and my physical card, I got through the mail. I got on the phone and stayed on the phone with support for three days for at least an hour and got nowhere. They kept telling me to go to the health center on the app which I did and that only brought me to a robot. That did nothing. And then the robot told me to call that number back and it was just one vicious cycle. Then all of a sudden they froze my account for whatever reason I dont understand because I only have my account open for just a few couple weeks and I did nothing wrong. They said they were doing further investigation and then I got an email on Valentines XXXX XX/XX/year> is stating that they are deactivating my account indefinitely. Now I have been talking to these people and the only thing I have asked them to how to get my money off of the app or out of their account and transfer it somewhere else. Not one time have they mentioned anything about the funds in my account or how to transfer it. And then they wan na deactivate my account and I have no way to access my funds now I dont know what to do because thats the only money I have right now and I was using that like I said as my primary checking account. My dads hanging on by. And I have so much going on and so much on my plate. I cant even begin to explain. I know that everybody has things going on in life happens in life is busy, but I truly like I just I need that money. I can not deal with this right now. If you could help me in this matter, I would appreciate it more than you can ever imagine. Thank you so much and have a blessed day. My email is on here. I signed up. Its XXXX XXXX. He can also reach me on my cell at XXXX. My name is XXXX XXXX. Thank you so much and have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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 Systems,Inc.
State: NJ

Complaint narrative:
I am filing this complaint against National Credit Systems , Inc. for attempting to collect {$7600.00} on an alleged account connected to The Guarantors. I do not recognize this obligation and I never authorized my personal information to be used for this account. This is not a small balance. {$7600.00} is a serious financial burden and the stress of being pursued for something I do not acknowledge is overwhelming. What makes this worse is the pressure created by collection activity over a debt that I can not confirm as legitimate. Being contacted and threatened with collection over a large amount like this creates anxiety, fear, and real financial harm. I work hard to maintain my financial stability, and this situation is disrupting that. Attempting to collect a debt that I do not recognize raises serious concerns under the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e and 1692f regarding deceptive and unfair collection practices. I want to know how this amount was calculated, what legal basis they have to pursue me, and how they obtained my personal information. I am requesting that National Credit Systems , Inc. immediately cease all collection efforts unless they can provide full, documented proof of legal responsibility. If they can not, this account should be withdrawn entirely and any reporting related to it must be removed. I also request written confirmation that this matter has been closed and that no further collection attempts will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I paid my Affirm account ( Account ending in XXXX ) on or around XX/XX/year>. However, as of XX/XX/year>, the account is still reporting as a charge-off with a balance of approximately {$7400.00} on my credit report. 

I disputed this issue on or around XX/XX/year>, but it has not been corrected. I am requesting that Affirm investigate and update the account to reflect a XXXX balance and accurate status, or remove the inaccurate reporting if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank are unlawfully moving my personal monetary activities. Account register shows inaccurate transactions as cash deposits which I never made. overstating my monthly spendable bye 40 % to 60 % making me look like I spent over my limit. Deleting my OUT OF COUNTRY debit card transaction ruining my financial situation since XXXX  And XXXX money to people I dont know and my bill payment always get returned 2 to 4 times in the same month. 
It feels like they can control my money if they want. 
And more of unexpected things to happen in my account

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 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: TX

Complaint narrative:
I am filing a complaint against CarMax Auto Finance regarding the servicing and accounting of my auto loan following a total loss accident. 

My vehicle was declared a total loss on XX/XX/XXXX. The other driver was found at fault, and I received a legal settlement related to the accident. 

Insurance issued a total loss payment to CarMax Auto Finance. A {$1000.00} deductible was withheld from the insurance payout. Because the other driver was at fault, I requested confirmation from the insurance company regarding whether subrogation was initiated or completed to recover my deductible. The insurance company has refused to confirm whether subrogation occurred or whether any deductible funds were recovered. 

XXXX subsequently paid {$5700.00} toward the loan balance. However, when I contacted the XXXX administrator in XXXX, they advised that their payout calculation was based on payoff information reported by CarMax Auto Finance. The XXXX representative stated that they identified discrepancies in the payoff amounts and indicated that CarMax needed to review the figures because something appeared incorrect on CarMaxs end. 

Beginning in XX/XX/XXXX, I repeatedly requested from CarMax : A full payoff calculation as of the date of loss The amount reported to XXXX  A complete loan ledger from date of loss through XXXX  payment A breakdown of all late fees, finance charges, and miscellaneous charges An explanation of why additional charges continued to be added CarMax has not provided a full accounting or calculation worksheet. Instead, I have received standard account statements that do not explain how the payoff was calculated or how additional charges were determined. 

As of my XX/XX/XXXX statement, the account reflects a balance of {$1700.00}, including principal, late charges, miscellaneous charges, and ongoing daily interest accrual. 

Despite my written dispute and repeated requests for documentation, CarMax continues to : Assess additional fees Accrue interest Report the account delinquent Conduct collection activity I am not disputing that interest accrues under contract if a balance remains. I am disputing the accuracy and transparency of the payoff calculation, the amount reported to XXXX, and the unexplained miscellaneous charges. 

I am requesting regulatory assistance to require CarMax Auto Finance to : 1. Provide a full accounting reconciliation of the loan from date of loss through present 2. Provide documentation of the payoff amount reported to XXXX  3. Provide itemization and explanation of all post-loss fees and miscellaneous charges 4. Clarify whether any deductible recovery funds were received and how they were applied 5. Correct any misapplied funds or inaccurate reporting I made multiple good-faith attempts to resolve this directly beginning in XXXX and have not received a substantive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
wrongful distribution, privacy breach disclosure, financial elder abuse and gramm - leach bliley act illigal account merger since XX/XX/year>, treating my moms assets if she died intestate. illegal small estate affidavit and forced split with omitted heir.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am disputing 24 separate late payment marks ( 3 months across 8 loan sequences ) reported by Nelnet for XXXX, XXXX, and XXXX XXXX XXXX 

These delinquencies were caused by a total breakdown in Nelnet 's servicing obligations : Failure to Notify : Nelnet failed to provide any billing statements or notice of payment commencement after the federal pause. I was unaware a balance was due until the first delinquency appeared on my credit report.

Technical Barricade : Upon discovering the delinquency, I attempted to pay immediately but was blocked by a technical error where the Nelnet portal did not recognize my verified address. 

Unreachable Support : I attempted to resolve the lockout via phone multiple times to make a payment, but was unable to reach a representative due to Nelnet 's system failures. 

It is a violation of fair servicing to report a borrower as delinquent when the servicers own technical infrastructure prevents them from accessing their account or receiving billing notices. I request a full deletion of these marks for all 8 sequences.

To support this dispute, I have attached two critical pieces of evidence : Proof of Inaccurate Harm : A screenshot of my credit monitoring service showing a XXXX XXXX XXXX drop specifically attributed to these 8 Nelnet sequences . This drastic drop to a previously perfect score demonstrates the severe and inaccurate impact of this servicing error. 

Proof of Good Faith & Resolution : A screenshot from my Nelnet account dashboard confirming that I have paid the balance in full and am currently enrolled in AutoPay.

These attachments prove that the three-month delinquency was an anomaly caused by the portal lockout and lack of notice, rather than a financial inability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: IL

Complaint narrative:
[ Vance and Huffman , LLC ] [ XXXX XXXX XXXX, XXXX XXXX [ XXXXXXXX XXXX XXXXXXXX ] Account/Reference # XXXX : [ Account # or reference on their letter ] Subject : Debt Dispute, Request for Validation, and Request for Proof of Licensure. 

I have received notice from you regarding an alleged debt identified above. I dispute this debt and am not responsible for it. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide full written validation and verification of the alleged debt, including but not limited to : The amount of the alleged debt is listed to the credit bureau as {$3200.00}, itemized to show how the amount was calculated. 
The name of the original creditor is listed to the credit bureau as XXXX XXXX XXXX 
A copy of the contract or other document that shows I agreed to the debt and my signature.Proof of your authority to collect on this debt, including a complete chain of assignment. 

Proof that your company is authorized and licensed to collect debts in [ XXXX ] including the license number and issuing agency.Until you provide the requested validation and proof of licensure, you must cease all collection activities related to this alleged debt. Do not contact me by telephone ; you may only communicate with me in writing at the address above. 


This letter is not an acknowledgment of liability for the debt and does not constitute a waiver of any of my rights. Please provide the requested documentation within 30 days of receipt of this letter. If you believe you sent proper notfication, please send " Certifed Mail '' with reciept displayed my signature. If not please delete account listed above as soon as possible. A copy of this disupte will be forwarded to the State Attorney General as well as BBB if not deleted. Failure to do so will result in legal actions being taken. 



Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Braviant Holdings, LLC
State: AL

Complaint narrative:
On XX/XX/year> a representative of XXXXXXXX XXXX XXXX contacted my place of business and talked to a coworker. They informed my coworker that I had a debt through their office and they were seeking to garnish my wages. The coworker contacted me about this. I am not sure, but I believe other coworkers have talked to them on the phone because several coworkers have asked me about the debt and possible garnishment. I am embarrassed and feel my privacy has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received what I thought to be a phishing email from Wells fargo about my account with them indicating I was past due for a payment. I never received a bill from them for the last month, so thought this odd. I logged into their website ( without clicking links in the email ) as I thought it was a phishing attempt for granting account access. I paid immediately with another WF account and tried to call XX/XX/year> at XXXX EST. They were closed. I called XX/XX/year> at approximately XXXX EST and was transferred to XXXX ( XXXX XXXX XXXX ). XXXX indicated that statements were changed to paperless. I pressed her as to how this happened if I didn't do it. She could not confirm when it was changed and did not admit that I actually changed it vs them. She said she was the only one there and it could be escalated to corporate for review for this late fee to be waived. 

Wells fargo complaint Ref # 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 monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I've desputed transactions and for 100 percent I know I never did these transactions and I desputed them they denied me and then I desputed them again and denied me and now another one now it's a total of 3 they denied me and now they won't let me despute again this is fraud I really do think they are taking my money and I don't have money to give away and they are treating ME like I'm the criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
Accounts XXXX XXXX XXXX XXXX XXXX & XXXX. I am 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 accounts XXXX & XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
FRANKLIN SER is falsely reporting on my credit. I have never had any accounts with them. Per my research FRANKLIN SER 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 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Lentegrity Management, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from XXXX XXXX XXXX for {$16000.00}, with a {$4000.00} down payment. The loan was originated with XXXX XXXX ( Account : XXXX ). The sale and financing were procured through fraudulent acts by the dealership. I would like to also highlight that I am a visibly XXXX man, who has just lost two cars in XXXX XXXX. 

Fraudulent Inducement : The manager, XXXX XXXX, explicitly told me the loan could be refinanced after a period of timely payments. This statement was a material misrepresentation that induced me to agree to the loan terms. I later confirmed with the lender that no such refinancing option exists.

Defective Vehicle & Warranty Fraud : The dealership knowingly sold me a vehicle with serious, latent defects. They failed to honor written concessions to replace unsafe tires and a defective radio. A concerning noise reported in XX/XX/XXXX was diagnosed in XX/XX/XXXX and repaired in XX/XX/XXXX as a failed CV axle. I later discovered from a XXXX dealer in XX/XX/XXXX that the vehicle had a pre-existing defect in its exhaust manifold that needed complete replacement. A repair at XXXX XXXX in XX/XX/XXXX revealed a hose had been duct-taped since before purchase, causing a coolant/airflow hose repair costing over {$600.00}. In XX/XX/XXXX, the engine catastrophically failedapproximately 30 months post-purchase and within the same year the warranty expiredrequiring an {$8200.00} repair. The car is now inoperable and worthless. 

Undisclosed GAP Insurance : I subsequently discovered the dealership added a charge for GAP insurance to my contract without my knowledge or consent. This product was never discussed, disclosed, or agreed upon.

Fraud Confirmed : The fraud was further confirmed when I was required to re-sign the Bill of Sale under new management with a new date of XX/XX/XXXX, while other documents were not re-signed. The dealership is now permanently closed. 

Financial Harm : I am left with a loan payoff balance exceeding {$14000.00} ( see attached payoff quote ) for a destroyed vehicle. Repair costs total beyond {$8200.00}. The dealership 's fraud directly caused this financial loss. 

Lender Liability : Under the FTC Holder Rule ( 16 C.F.R. Part 433 ), the lender is liable for this dealer fraud. I have made formal demand to the lender for loan rescission. They continue reporting the debt as delinquent without noting it is disputed, in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I was laid off in XXXX from my last job and I had informed on XX/XX/XXXX that I needed to submit a payment extension request and I was informed that the request was declined on XX/XX/XXXX and I was never informed of the decline and they reposted my vehicle on XX/XX/XXXX and I havent been maintaining clear communication with them and was only behind two months. I was not properly informed of my car going into repossession status and was not given a chance to submit a payment arrangement. I was also met with unprofessional behavior from one of the agents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Debt collection agency 's are asking for payment on debts I do not owe to them. I've never done business with a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: IL

Complaint narrative:
I contacted this creditor ( Jefferson Capitol Systems LLC ) to verify the debt they bought as a third party and they were not able to accurately verify that debt was mine. I am requested that the derogatory remark as well are the inaccurate credit reporting be removed from the credit report.

Company response to consumer: Closed with explanation