vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: RI

Complaint narrative:
I use Chime ( aka XXXX XXXX XXXX ) to pay my rent every month via their " Mail a Check '' feature. On XX/XX/XXXX, my check for {$900.00} was cashed, but not to the intended recipient ( my landlord ). I have contacted Chime 's customer service multiple times to find out why my landlord couldn't cash the check. Chime told me that the check was cashed and that there was nothing they could do. I have persistently tried to contact Chime via phone and email in an attempt to understand how the check was cashed and by whom since my landlord was never able to cash the check. Chime stopped responding to my communications when I expressed via email that I wanted to open a formal investigation and persisted to know how the check was cashed. I suspect that an unauthorized person cashed the check intended for my landlord or that there was fraudulent activity on Chime 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity credit card company charged me a late fee plus interest. I always mail all my bills the day after I get them. The mailbox is on the way to work. I don't even need to get out of my car to mail my bills. They say they received it XXXX XXXX. It was due the XXXX. My bill was {$25.00}. Fees were {$27.00}. So, I went onto XXXX  and see that they have many complaints about late fees. This company is a scam. I guess they got to make money. I will dump this company as soon as I see my balance at XXXX. Thank you for your time, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I sent Nelnet a certified-mail dispute on XX/XX/2025 and a follow-up certified letter on XX/XX/2025 requesting a written accounting of my qualifying Income-Driven Repayment ( IDR ) forgiveness months and my projected forgiveness date for federally-held student loan account XXXX. 

Nelnet has refused to provide any written response. 

During a phone call initiated by Nelnet on XX/XX/2025, their representative admitted : My loan is in a pause/hold status and not receiving IDR credit This pause is allegedly due to litigation, but no written authority was provided Nelnet can not provide an official payment count in writing They removed the internal tool that previously displayed payment counts They verbally estimated about ten years of credit, which conflicts with my records Nelnet is servicing a federally-held student loan while refusing to provide a written accounting of credited months toward forgiveness and refusing to explain the legal basis for withholding IDR credit. This prevents borrowers from verifying forgiveness eligibility and forces reliance on unverifiable verbal estimates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MI

Complaint narrative:
This complaint concerns a new and separate misrepresentation made by Elan Financial Services regarding the legal status and collectibility of an alleged debt. 

In a written response dated XX/XX/year>, Elan Financial Services stated that the balance of {$11000.00} is unpaid and collectible and encouraged payment to Elans Recovery department. 

At the same time, Elan reports the account as charged off and written off, and the account is reported across consumer reporting agencies in a manner indicating sale or transfer, including inconsistent account numbers and creditor naming.

If the debt was sold or transferred, Elan lacks legal standing to collect and its statement that the balance is collectible constitutes a false representation of the legal status of the debt.

If Elan contends it retained ownership, it must explain why the account is reported as written off and why contradictory reporting appears across consumer reporting agencies.

Elan can not lawfully represent a charged-off, written-off account as presently collectible while furnishing contradictory credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY

Complaint narrative:
I wish to close my account as it is no longer used. 

They are charginf me a monthly fee to keep it I have closed my checking account online, via the customer service chat. 
They are not able to close my savings account and tell me to call the number Every time I call, it says your call can not be taken right now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: NC

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
So on XX/XX/year> I had went to withdraw money from XXXX XXXX  XXXX dollars the machine got stuck and I didnt receive any money at said machine cant dispense any money contact a number.Im chime costumer so I made a complaint and a couple days later got denied and then I got the documents like atm information and at clearly states I didnt receive any funds its says reversed suspected transaction and I put a rebuttals and woke up today to being denied Im really frustrated idk what to do anymore Im in the moment of having my lights shot off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX RE : Formal Complaint Against National Recovery Agency XXXX XXXX. 
Account Number : XXXX Original Creditor : XXXX XXXX Company Amount : {$690.00} To Whom It May Concern, I am submitting this formal complaint against National Recovery Agency , XXXX regarding an alleged collection account they are reporting on my credit reports with XXXX XXXX and XXXX. 

I have disputed this account and requested proper validation ; however, National Recovery Agency has failed to provide sufficient documentation demonstrating that I am legally obligated to pay this alleged debt. 
Specifically, they have failed to provide : A copy of any original signed agreement or service contract bearing my signature A complete and itemized billing statement showing how the balance of {$690.00} was calculated Documentation proving the debt was legally assigned or transferred to National Recovery Agency Proof that National Recovery Agency has the legal authority to collect this debt Competent evidence verifying the accuracy and completeness of the information being reported Under the Fair Credit Reporting Act ( FCRA ) 609, 611, and 623, and the Fair Debt Collection Practices Act ( FDCPA ), furnishers of information are required to report only accurate and fully verifiable information. Reporting information that can not be properly validated is a violation of federal law. 
This unverified collection account is negatively impacting my creditworthiness and financial standing. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and require National Recovery Agency to either : Provide proper documentation validating this alleged debt in full compliance with federal law, or Immediately delete this account from my credit reports with XXXX XXXX and XXXX  If National Recovery Agency can not provide proper validation, continued reporting of this account constitutes unlawful and inaccurate credit reporting. 
I respectfully request that this account be removed to ensure the accuracy and integrity of my credit file. 
I also request written confirmation of the outcome of this investigation and deletion if validation can not be provided. 

Thank you for your assistance in protecting my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
On Monday XXXX XXXX. 2026, I received a text stating that fraudulent behavior was trying to take place on my account for {$320.00} and asked if it were me. When I replied no, I then received a call from the Chime customer service number from a guy claiming to be XXXX with chime. He stated that someone from XXXX, Idaho was trying to actively trying to hack my account and that I need to move the remaining amount of money to another chime account which he would create and then help me move it. He assisted me with moving my money to another account that had my name plus a few numbers behind my name claiming that this is my new account and that no one could hack it once I transferred my money over. Once he talked me through the transfer, he stated all that I would need to do is login under that account and I would receive that money. I only moved it because I thought I was speaking to an actual chime agent. He stated that once I get off the phone that I should restart my chime and that I would be able to see my funds. Even after the call had ended. I received an email from chime later that day asking how was their customer service. After a few hours of not seeing any funds, I reached out to chime and advised them of what had happened and that I needed to get my money back. They started a dispute that day, as well as sent a link so that I could reset my password due to fraudulent behavior. The very next day not even a full 12 hours later my claim was denied. I called right back and appealed the decision on XX/XX/XXXX. Spoke to a different agent who claimed that they would add new information and we would resubmit a claim for the dispute to reopen case. That claim was denied the very next day. I then called back and spoke to another agent. XX/XX/XXXX. I even explained those funds were my last due to the fact I am out on maternity leave and that I needed the {$470.00} credited back to me. She did take the extra time to look over my account but in the end, all she could do was reopen my dispute claim. That claim was denied. I called again each time for the dispute to be reopened on the XXXX of XXXX and even ask to speak to a manager afterwards. The claim was reopen then the manager told me to file a police report and send that with the with the new evidence. I filed a complaint on XX/XX/XXXX took a picture and uploaded that along with the text message of fraudulent behavior and the email I received from chime as if I was speaking to a chime member that day. On the XXXX I woke up to an email stated they closed the dispute and I would not get my funds credited to my account. I called again to reopen the case, but then I reached out to you guys as well hoping for different results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At XXXX XXXX  On XX/XX/XXXX XXXX called Wells Fargo to dispute a charge that I didnt recognize. The Support Agent asked me questions and then during the call restricted access to my online account and said they would mail me my card expedited. When I realized they shut off access to my only source of funds. I Called back and the Fraud Team said that the department wont be open until Monday. I recently bought a new phone and added it to my account. Whatever their justification is. It has left me without funds to operate and survive. Realizing I am going to not have any money. Has triggered my existing anxiety and mental health state. Now I am unable to eat or buy food or function normally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, I am filing this complaint regarding Capital Ones handling of my business credit card account and what I believe to be unreasonable, excessive, and invasive identity verification demands.

My business Capital One credit card was suddenly restricted for in-person use, despite a long history of successful transactions, including significantly larger online purchases. Capital One initially escalated the matter to their fraud department, where I answered extensive identity questions over the phone and was informed the restriction was lifted. Immediately afterward, the account was restricted again without explanation. 
Capital One then demanded that I upload full front-and-back images of my XXXXew York State Enhanced Driver License , including the back barcode. This document contains sensitive and unnecessary information ( including passport-linked data, physical descriptors, and machine-readable data ), far beyond what is reasonably required to verify identity for a credit card account. 
As a privacy-conscious customer, I offered alternative verification, including uploading a valid government-issued real estate license with photo and name and other reasonable methods. I partially redacted sensitive fields consistent with data-minimization principles. Capital One refused all alternatives without citing any specific legal or regulatory requirement and insisted on the unredacted Enhanced Driver License. 
When I attempted to appeal or discuss privacy concerns, Capital One representatives were aggressive, refused to provide last names or employee identifiers, or a transcript of the call, or even an email explaining the full situation with any of their reasons, stated there was nothing I can do, and that they will keep my card restricted and abruptly attempted to end the call. My card remains restricted. 
I am requesting that Capital One : 1. Restore access to my business credit card 2. Accept reasonable alternative identity verification that does not require submission of an Enhanced Driver License or any documents with sensitive data that is not legally required for identity verification.

3. Provide a written explanation of the legal basis for demanding this level of personal data.

4. Confirm their data retention, access, and destruction policies for identity documents.

I believe Capital Ones conduct is inconsistent with fair customer treatment and data-minimization standards, and I am asking for CFPB assistance in resolving this matter.

Best Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing this complaint for a persistent failure to refund a failed transaction ( ID : XXXX, {$4800.00} ). I have formally requested a 'paper check ' refund on four separate occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX of XXXX, and XX/XX/XXXX. Despite collecting my name and mailing address multiple times, XXXX ( service of XXXX ) has failed to issue the refund. On XX/XX/XXXX, I sent a 'Final Notice ' regarding this matter, but the company has remained completely unresponsive, depriving me of my funds. All transaction history remains visible in my XXXX account, proving the failure of delivery. I demand an immediate refund via paper check as previously requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
XXXX did not apply for an XXXX XXXX XXXX issued by Synchrony Bank. Despite this, Synchrony has sent multiple application related letters over the past few years. XXXX credit is frozen, and there is no hard inquiry on her credit reports related to these attempts. This appears to be repeated unauthorized use of her identity or repeated processing of fraudulent applications. 

I am requesting that Synchrony Bank : XXXX. Open a fraud case and provide a case number XXXX. Confirm in writing that no account was opened and no credit bureau inquiry was pulled XXXX. Identify the application channel and any available details ( online, phone, store ) XXXX. Implement an internal block or suppression so future applications using Marcys identifying information are rejected automatically XXXX. Provide written confirmation of the steps taken to prevent recurrence

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
I did not open or authorize this car loan. This account was opened fraudulently without my knowledge or consent. I am a victim of identity theft and request that this account be investigated and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, a charge of {$130.00} was made through Cash App for a hotel reservation booked via XXXX. When I arrived at the hotel on the reservation date, the hotel refused to allow me to check in and denied all services. I did not stay at the hotel and did not receive the services that were paid for. 

I contacted Cash App and opened a dispute on XX/XX/XXXX requesting a refund for services not rendered. Cash App acknowledged the dispute and marked it as In review, stating that the investigation would take approximately XXXX business days. 

Despite this, the dispute has remained in review beyond the stated timeframe. I have not received the refund or a final decision, and Cash App has not provided a clear explanation for the delay or documentation supporting the charge. 

I followed all instructions provided by Cash App and attempted to resolve the issue appropriately. Since the hotel refused service entirely, I believe I am entitled to a full refund. Cash Apps failure to resolve this dispute in a timely manner raises concerns about fair dispute resolution practices. 

I am requesting that Cash App issue the refund of {$130.00} or provide a clear written explanation and evidence justifying the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Rock Solid Funding, LLC
State: KS

Complaint narrative:
I bought a custom enclosed cargo trailer and I received it in XXXX but rock solid funding has not gotten me a title or anything to register the trailer also charged me sales tax and all the fees at a higher rate then what my state taxes are charged XXXX percent and Kansas where I am is XXXX also I never asked for it to be on loan I am having hardship making payments and can not use it due to no tag I have it insured also and paying for that and can not use the trailer

Company response to consumer: Closed with explanation