vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am requesting your immediate assistance regarding a Borrower Defense to Repayment application that has remained under review since XX/XX/year> without a decision. 

Despite multiple attempts to obtain updates, my case continues to remain pending for an unreasonable period of time. The prolonged delay has created financial stress and uncertainty for my household. I am requesting formal intervention from the Ombudsman Group to : Investigate the status of my application Determine the cause of the extended delay Facilitate an expedited resolution or final decision I am fully prepared to provide any documentation necessary to assist your investigation. Please confirm receipt of this request and advise on the next steps.

Thank you for your assistance and oversight in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
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: Block, Inc.
State: FL

Complaint narrative:
I XXXX  an email from cashapp stating I maybe eligible for a refund being it was a glitch and funds were withdrawn from my account double.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding unresolved unauthorized activity on my XXXX XXXX account that was first reported on XX/XX/year>, and remains unresolved more than a month later. On XX/XX/year>, I discovered that my XXXX account had been compromised. An unauthorized individual accessed my account and placed multiple store pickup orders in California, while I reside in Texas. XXXX order was successfully picked up, resulting in the loss of approximately XXXX XXXX in XXXX  XXXX XXXX. XXXX additional pickup orders were placed and later canceled. In addition to the rewards theft, my XXXX credit card was used without authorization for XXXX of the fraudulent orders. Although the unauthorized user later canceled that order, the attempted use of my credit card constitutes unauthorized access to a payment instrument and elevated this matter to financial fraud. The unauthorized individual was also able to modify pickup information on my account prior to retrieval, raising concerns about XXXX account-change controls and in-store pickup verification procedures. I reported this incident immediately on XX/XX/year>. XXXX acknowledged unauthorized activity and credit card involvement early in the process and repeatedly stated the matter was escalated to internal investigation and resolution teams. Despite these assurances from XXXX and assistance from the BBB and Texas Attorney General, more than a month has passed without meaningful resolution on XXXX XXXX behalf and without acknowledging the importance of credit card fraud. XXXX did restore reward points but failed to provide written details on credit card fraud and unauthorized account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bilt Technologies, Inc.
State: AL

Complaint narrative:
I received fraud alert from XXXX on my app on XX/XX/year> stating that XXXX XXXX started a new credit card application using my personal information which I denied came from me. I received another fraud alert from XXXX on XX/XX/year> informing me that a hard credit check was requested to XXXX by Bilt credit card company. I then received a BILT Mastercard that I did not apply for on XX/XX/year> in the mail. I have not and did not activate the credit card. I tried contacting BILT using the XXXX customer support line to cancel the card but no customer support would answer the phone and it went straight to information on selling me other products. I then contacted XXXX XXXX who is the credit card issuer ( with assistance from XXXX ) to cancel the card but they have not provided any helpful assistance any assistance in finding out how the card was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
An unauthorized bank account was added to my PayPal profile and subsequently used for a {$600.00} withdrawal. PayPal has stated that this bank account was manually added under my name in XX/XX/year>. I did not authorize the addition of this bank account and do not recognize it. 

I have repeatedly requested documentation from PayPal showing when and how this bank account was added, including the date, method of entry, IP address or device used, and records of any notification sent to me at the time. PayPal has refused to provide this information and has closed its investigation without substantiating its conclusion. 

PayPal has directed me to contact XXXX for this information. I have attempted to do so multiple times but can not reach a live representative ; calls are disconnected and there is no effective way to obtain records from XXXX. As PayPal facilitated the bank-linking process, PayPal retains the internal records necessary to resolve this dispute. 

Despite my requests, PayPal has declined to escalate the matter or provide the requested documentation, leaving me without a meaningful path to dispute the unauthorized activity. 

What I want the company to do : I am requesting that PayPal ( XXXX ) provide its internal records related to the addition of this bank account, including date, IP address or device, and notification history, and ( XXXX ) reimburse the {$600.00} withdrawn from my account as a result of this unauthorized bank link.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I received a credit card ( Capital one venture card XXXX XXXX ) in the mail with my name and address on it. 

I did not apply for this card, nor did anyone of my family members apply for me. This was a fraudulent transaction. 

I have not activated the card or used it at all. As soon as I opened it, I called Capital One to submit a fraud application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/year> and XX/XX/year>, two unauthorized transactions were made using my Coinbase Card ( XXXX  debit ) : one for {$940.00} to " ONEPAY * TRANSFER '' on XX/XX/year> at XXXX XXXX, and one for {$400.00} to " Current Account Deposit '' on XX/XX/year> at XXXX XXXX. Both were funded from USDC in my Coinbase account. 

I immediately reported both as unauthorized/fraudulent to Coinbase Card support and filed formal disputes. Both transactions now show " Disputed '' status in my Coinbase account ( visible on web and app ). 

Coinbase initially processed the disputes and marked them as disputed, which should have triggered a chargeback investigation under XXXX rules and Regulation E ( unauthorized electronic fund transfers ). Provisional credit is required within 10 business days if the investigation takes longer, unless there is reasonable evidence the claims are invalid. 

However, shortly after filing, Coinbase permanently restricted my account : I can no longer buy crypto, deposit funds, send crypto off-platform, or link new payment methods. They stated I am " no longer eligible '' for these services for " security reasons '' and provided no further explanation ( Case # XXXX ). I can only sell existing crypto and withdraw to a linked bank. 

Despite the " Disputed '' status and Regulation E requirements, no provisional credit has been issued, and Coinbase has not provided any update on the disputes or the required temporary credit. This has left me without access to the disputed amounts ( {$1300.00} total ) while the account is restricted during their review. 

I believe Coinbase has not properly investigated or resolved these unauthorized card transactions and is unfairly withholding provisional credit and resolution due to the account restrictions. I am requesting full investigation of the disputes, issuance of provisional credit as required by Regulation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Re-submission of Claim Business Checking Account through Truist My wife attempted to file a claim for my business account on XX/XX/XXXX ( Claim Number : XXXX ). The claim was closed on XX/XX/XXXX, because she is not an authorized signer on the account. 

As I am the authorized signer, I am resubmitting this complaint myself, XXXX XXXX. 

To Whom It May Concern : I am submitting this formal complaint regarding two serious security breaches of our business banking accounts at Truist, the repeated addition of an unauthorized payroll account by the same individual, and Truists failure to provide adequate investigation, communication, or resolution. Summary of Events Our business account was compromised, resulting in multiple fraudulent charges. Upon visiting the bank, we were informed that an unauthorized payroll account had been added to our business profile. We explicitly notified Truist that this payroll account was fraudulent and that it had been opened by an individual identified as XXXX XXXX, using : No valid XXXX An incorrect email address An incorrect phone number Truist closed the compromised account and opened a new account for our business. Some fraudulent charges were refunded ; however, XXXX weeks later, the newly opened account was compromised in the same manneragain with the same unauthorized individual adding a payroll account. Despite the seriousness of repeated internal breaches, Truist provided no meaningful response or explanation. We retained legal counsel in an attempt to obtain more information. Even with attorney involvement, Truist did not provide answers or a proper investigation. Fraudulent Transactions The following unauthorized debits were made to our account : XX/XX/XXXX : {$5800.00} XX/XX/XXXX : {$3800.00} XX/XX/XXXX : {$2900.00} We have incurred financial losses, legal costs, business disruption, and ongoing concerns about data exposure. We have never been given any information from which IP addresses or locations the access occurred. Who approved or processed the payroll account additions internally. Full reimbursement for all fraudulent withdrawals and any fees assessed. Our business has been severely impacted by repeated account breaches and Truists lack of proper response. I look forward to your response and your assistance in reaching a prompt and satisfactory resolution. Thank You Thank You 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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-02-05 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: MOHELA
State: MO

Complaint narrative:
I have now made XXXX separate student loan payments to MOHELA. The payments get processed, the money is removed from my bank account, but the money paid is never subtracted from my student loan total on Mohela and all records of the payment vanish from Mohela 's site. I've called their customer service, they say it will take awhile for this to get fixed. It doesn't get fixed and my loan continues to accrue interest with every day that passes. 
This has now happened with XXXX separate payments and I believe should be considered theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a purchase via the capital one shopping portal on XXXX. I was told to wait until XX/XX/year> to receive my reward. I was promised {$250.00} rewards back on $ XXXX purchase. I provided all proofs and receipts. As of XXXX, they have not credited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Fraudulent account opened through Acima Leasing on XX/XX/26 under my partial name- only used my first and middle name. No last name listed. Used my personal bank account to set up weekly payments of approximately {$110.00} for XXXX weeks for a total of over {$6000.00}. Information was used without my consent or knowledge. I reached out to Acima Leasing who gave minimal information but thankfully the scammer used my real email address so I was able to gain access to the online portal. From there, I printed a copy of the lease and took screenshots of any pertinent information I may need later. A police report was filed as required by the Acima Leasing fraud team ( who is only available via email ), but they have now requested a copy, which I have to wait and pay for, to even begin the investigation process. My identity was stolen and Acima Leasing, who has proven to show negligence and lack of proper screening, has made this already devastating process more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This has never happened before the beginning of this year. XXXX and XX/XX/year>. 

My balance was under the limit before the statement closed. 

Well 's Fargo own interest charge applied post-closing created the over-limit.

Then Well 's Frago reported this inaccurate, company-created over-limit status to the credit bureaus.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Receiving notifications and bill was paid by Insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I executed a {$9000.00} balance transfer offer that Capital One confirmed was being processed at the 0 % with a 4 % transfer fee ( which I saw the disclosure it may not be able to be canceled ) however on XX/XX/XXXX I received a marketing offer that I had available 0 % with a 3 % transfer fee. The balance transfer did not yet post to my account nor did I receive the funds .I called and was basically told we can not cancel and can not modify the terms of the " new '' balance transfer option of the 3 % fee. While i understand they can not cancel and that was disclosed they can most certainly extend me the reduced balance transfer fee that they proactively marketed to me as it showed I had a XXXX balance on my credit card with them and have had for a very long time! I have worked compliance in the financial services industry for a long time an this is not only riddled with UDAAP implications but not sound marketing/business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bear Claw Lending dba Lucent Cash
State: OH

Complaint narrative:
On XX/XX/year>, I requested a {$750.00} loan from XXXX XXXX for home heating expenses. The APR ( 763.92 % ) was not clearly disclosed prior to signing and only became apparent after the agreement was executed. 

The total repayment amount is {$4200.00} for a {$750.00} loan. I believe this constitutes a failure of required APR disclosure and a predatory lending practice under Ohio and federal consumer protection laws. 

I contacted the lender to request a reduction or resolution due to the undisclosed APR and excessive cost, and my request was refused. I am requesting regulatory review and relief.

Company response to consumer: Closed with explanation