vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nexum Group Inc
State: FL

Complaint narrative:
Subject : Formal dispute of unauthorized charge and credit reporting. I am writing to formally dispute a charge that has been reported to my account/ charge off and subsequently reported to the credit bureaus with sufficient validation or proper documentation. I have no record or knowledge of this alleged obligation, and to date, I have not received any verifiable proof that substanties theses slanderous charges. Reporting an account to the credit bureaus without providing adequate documentations or validations raises serious concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. At this time for the second time, I am requesting the following. XXXX. Full validation of the alleged debt, including original creditor information, account and any signed agreements bearing my authorization. XXXX. Documents proving that XXXX group has the legal right to collect on this account XXXX. Immediate removal of this account from all credit reporting agencies if proper validation can not be provided. Please be advise that until this matter is resolved, I consider this account to be in dispute. Continued reporting of unverified information may constitute a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am formally disputing the auto repossession account reported on my consumer credit report under Account XXXX. XXXX ( MFC ). This account is inaccurate, incomplete, and potentially misleading. The information reported may include, but is not limited to, incorrect dates, balances, status, or details surrounding the alleged repossession.

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 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
On or around XX/XX/XXXX of this year I went to use a {$500.00} visa gift card and XXXX XXXX in XXXX, WA. I opened the packaging of the card at the store and tried to use it but it would not go through. I checked the balance on their website and a note said the card had been replaced. I contacted the company via phone and they initiated an investigation process. They asked for all information within XXXX business days. I provided purchase receipt and picture of the card front and back, plus a picture of the package with barcode. That was on XX/XX/XXXX. Their email said they would respond within XXXX hours of receiving the information. I followed up with another email on XX/XX/XXXX and still no response. As this was the first time the card was opened it is only possible that the breach was on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX XX/XX/year>, an unauthorized transaction in the amount of {$6300.00} was moved from my Truist checking account, to my savings account at XXXX XXXX XXXX XXXX. XXXX XX/XX/year>- filed a dispute with Truist. I received an email that they had recieved the disput. XXXX XX/XX/year>- since I had not heard anything from Truist fraud department, I called for an update. I was told that an XXXX had not been assigned yet. During the conversation I said that it was fraud. The operator stated that since it was fraud she could escalate it. When I filed the dispute, I said it was fraud. XXXX XX/XX/year> - I recieved a call from " XXXX '' from the XXXX XXXX XXXX XXXX. They wanted to let me know that the credit {$6300.00} transfer from Truist to my credit union savings account. XXXX XX/XX/year>- Still have not heard from anyone from Truist fraud department. operator stated that the XXXX was working on it. XXXX XX/XX/year>- Still have not heard from Truist fraud department. XXXX told me that the XXXX was still working on it. I asked for the name of the XXXX and their contact information. I wanted to give an update from the XXXX XXXX XXXX XXXX. I was told that investigators call the customer. The customer can not call an XXXX. I wanted to let the XXXX to know that XXXX XXXX XXXX XXXX XXXX XXXX department called me, because of my earlier ID theft, at XXXX XXXX XXXX XXXX, to let me know that the XXXX denied acceptance of the {$6300.00} transfer. Therefore, my money should have gone right back to my Truist checking account. However, Truist, will not allow me to speak to an 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 2026-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am submitting a formal complaint regarding my federal student loan account and the handling of my enrollment in the XXXX XXXX on a XXXX XXXX repayment. In XXXX, I was placed into the XXXX plan. During the subsequent litigation period, my loans were placed into administrative forbearance. At no point was I clearly informed that this forbearance period would not count toward my progress under Income Driven Repayment IDR forgiveness or XXXX XXXX XXXX XXXX. Instead, I was led to believe that I could remain in the XXXX plan without penalty, that the plan was simply paused due to litigation, and that only new enrollments were restricted while existing borrowers could remain without adverse consequences. I have now learned that this understanding was materially incorrect. Months spent in XXXX related administrative forbearance do not count toward IDR forgiveness or XXXX XXXX XXXX XXXX. This has resulted in a significant loss of qualifying payment credit toward forgiveness. If I had been properly informed, I would have taken immediate action to switch into an eligible XXXX plan such as XXXX XXXX or ICR to ensure continued progress toward forgiveness. Instead, I remained in a non qualifying status based on incomplete or misleading information. In addition, my account does not appear to have been properly adjusted under the Department of Educations Income Driven Repayment IDR Account Adjustment. My loans were consolidated in XXXX, but I had repayment history prior to consolidation. Under the XXXX adjustment, pre consolidation periods of repayment, as well as certain periods of deferment and forbearance, are intended to be credited toward IDR forgiveness. Based on my current qualifying payment count of approximately XXXX months, it appears that substantial periods of pre consolidation repayment may not have been fully credited. I am requesting a comprehensive review of my full loan history, including all periods prior to my XXXX consolidation, to ensure that all eligible months have been properly counted in accordance with Department of Education guidance. I am also requesting that all months spent in XXXX XXXX administrative forbearance during the recent litigation period be reviewed and credited toward XXXX forgiveness, or otherwise corrected, as I remained in that status based on the understanding that it would not negatively impact my progress toward forgiveness. This failure to provide clear, accurate, and timely information has caused material harm. I am now faced with a situation where remaining in SAVE delays my progress, and switching plans risks extending my repayment timeline by several years. This outcome is directly attributable to the lack of proper disclosure and guidance from my loan servicer and the Department of Education.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Validation of Debt Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
I am filing a complaint against Dollar Bank regarding repeated overdraft fees that I believe are unfair and unauthorized. I have never opted into overdraft protection for my accounts, yet the bank repeatedly approved transactions and charged overdraft fees. For account ending in XXXX XXXX I was charged XXXX overdraft fees of {$36.00} each between XX/XX/XXXX and XX/XX/XXXX, totaling {$750.00}. For account ending in XXXX XXXXXXXX, I was charged XXXX overdraft fees of {$36.00} each between XX/XX/XXXX and XX/XX/XXXX, totaling {$72.00}. In total, I have been charged at least {$820.00} in overdraft fees, not including additional continuous overdraft fees of {$25.00} that were also assessed. These calculations are only for 1 year! I have previously contacted the bank to request refunds, but they have only provided minimal or partial reversals while continuing to charge excessive fees. Because I did not opt into overdraft coverage, these transactions should have been declined rather than approved with fees. Additionally, charging multiple overdraft fees in this manner is excessive and appears to be fee stacking. I am requesting a full refund of all overdraft and continuous fees and a review of the banks practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I made an accidental double payment in XXXX to Capital One on my credit card. They said they would refund me but never sent a check. There was nothing tracking number or proof anything was ever sent. Twice they did this to me. They immediately put what they were refunding me ( {$1800.00} ) back onto my balance ( which was fine I still owed it ). A month later I still didnt get the refund so I disputed it with my bank and got my money back so I could pay my bills that month, After doing that they added that amount to my balance for a second time. Then they charged me interest for XXXX months on {$1800.00} XXXX didn t actually owe them. I called them and spoke with a supervisor who said his name was XXXX who said they d reissue the refund but I would continue to get charged interest and would not get it back and there was nothing I could do about it. This conversation was recorded. I have the recording. I have since paid off the balance I owed on the card minus the fraudulent interest and now they are charging me fees on the unpaid interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
Beginning XX/XX/year> I Found Fraud In An Auto Loan Contract I Sent A Revocation Of Power Of Attorney Along With Notice Of Recission And Notarized Affidavit Only To Be Denied And Ignored.I Would Like My Remedy And Due Process Under LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: MS

Complaint narrative:
Cash App processed blocked and unauthorized transactions, and has admitted in writing these payments should not have been completed. This constitutes an error under the Electronic Fund Transfer Act, and I am requesting immediate reimbursement of funds. They have admitted wrongdoing on their part multiple times yet refuse to refund the money to my account. This was done in the day XXXX hit paid depleting my account. It has been well over a week that I have had to repeat myself probably XXXX times about what happened only to get no help! I have called to speak with live reps who disconnected my calls while supposedly looking into it. I have screenshots of their responses stating that they paid blocked transactions ( XXXX ) that should have never been paid. Yet they still are trying to make me wait XXXX days for a decision I dont see what else there is to decide. They are just trying to make me wait as long as possible before paying my money. I dont know if they are collecting interest by keeping the money or what but I feel as though I have been robbed. The XXXX has admitted they robbed me and shouldnt have yet refused to give me back my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AL

Complaint narrative:
An unauthorized device logged into my account from XXXX XXXX, Indiana and transferred funds without my permission. Immediately after receiving {$730.00} from my mother, {$740.00} was sent to another individual ( XXXX XXXX ) using the Pay Anyone feature. I did not authorize this transaction. This is account takeover fraud. I contacted Chime and was not provided immediate assistance or a temporary credit, leaving me in financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NJ

Complaint narrative:
I, actually made an online purchase for some game keys off the site XXXX and never received the game keys. I bought XXXX things at once ( XXXX was a vip bundle of XXXX random keys ) and may have been able to retrieve the one with the random keys but the other one was greyed out and didn't let me retrieve the key because the game was coming out a few hours later. So, I closed the page thinking I could come back to get the keys and was locked out of my account and couldn't get back in. I reset the password a couple of times even and they never sent an email for the code to reset it. I then had to put in a ticket from a separate email and account and show that I never received the products I paid for since I was locked out of my account and never got a response. It's been almost XXXX weeks since the purchase I made and never received anything for. I put in a dispute with cashapp after not getting a response and not being able to get back into my account and they denied my dispute. So, I appealed it and was denied again. I have tons of evidence I never received what I paid for and am 100 % positive cashapp never even looked into my dispute because it's very obvious I didn't receive what I paid for. Cashapp now locked me out of future appeals on this matter, while XXXX locked me out of future messages regarding me never receiving the product I purchased on their site.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My grandmothers Bank of America checking account was recently hacked. We immediately contacted the bank, had the account locked, and reported the transactions as fraudulent. That was over a week ago. We were told we needed to visit a branch in person to open a new account and transfer her remaining funds. However, when we went to the branch, we were informed that we needed an appointment and that their specialist was on leave until the following week. When we returned for the appointment, we were XXXX XXXX late, and the staff refused to see useven though there were XXXX employees present and no other customers in the branch. We explained that this situation was urgent, but they simply told us there were no available appointments until Friday. This has caused major hardship. My grandmother is an elderly woman with a XXXX XXXX, and I manage her finances while working full-time. This delay has made it impossible for us to access her funds or pay her bills on time. This is now the XXXX time we have gone to the branch to close the compromised account and open a new one, with no progress or support. Bank of Americas handling of this matter has been neglectful and, frankly, unacceptableespecially for a vulnerable senior customer. All we want is for her hacked account to be closed, a new one to be opened, and the remaining funds transferred so I can help her manage them safely. The continued delay and lack of assistance have caused unnecessary stress and hardship.

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 2026-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, my student loan was reported as XXXX days past due. I was unaware that repayment had resumed because my loan had been transferred from Great Lakes to Nelnet and all contact information on file ( address, phone number, and email ) was outdated. As a result, I did not receive any billing statements, notices, or communication. Prior to the payment pause, I had made payments for years through automatic withdrawal and had no history of late payments. This further demonstrates that the reported delinquency is not consistent with my payment behavior. On XX/XX/XXXX, I became aware of the delinquency. I immediately contacted Nelnet by phone, updated all of my contact information, and requested a forbearance to bring the account current. On XX/XX/XXXX, I made a payment toward the loan after becoming aware of the situation. On XX/XX/XXXX, I contacted Nelnet again to request a review and correction of the credit reporting. Despite these actions, Nelnet continues to report a XXXX-day late payment. They state that they attempted to contact me ; however, those communications were sent to outdated contact information following the transfer from Great Lakes, and I did not receive them. My actions demonstrate that I addressed the issue immediately once I became aware. The reported delinquency does not accurately reflect my payment behavior due to lack of proper notification. I have attempted multiple times to resolve this directly with Nelnet, but they have refused to correct the reporting and have categorized my request as a goodwill request instead of properly investigating the accuracy of the information. I am requesting that the XXXXday late payment be removed and that my account history, including call logs and account notes, be reviewed as part of this investigation.

Company response to consumer: Closed with explanation