vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX mailed me a refund check on XX/XX/year> for {$1400.00}, but someone stole it and cashed it at Capital One Bank. XXXX investigated for more than a year and found the person that stole the check. I was told to contact the bank and file a police report. The police department told me XXXX needs to take care of this. I called XXXX and they said the only thing I can do is file a CFPB report. I do not know what else to do to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
To Citizens Bank Tax Reporting Department, I am disputing the XXXX Form 1099-MISC issued in my name reporting {$5000.00} in Box 3 ( Other Income ). The {$5000.00} payment was not made directly to me. It was paid to my attorney/lawyer and not to me personally. Because these funds were not received by me directly, I request that you review the reporting treatment and determine whether this Form 1099-MISC was issued incorrectly. My accountant also advised that if the reporting was incorrect, an amended or corrected tax form should be issued to reflect the proper payee and proper reporting classification. Please provide documentation showing : Date the payment was made Name of the person or entity actually paid Method of payment ( check, wire, ACH, etc. ) Reason for the payment Basis for issuing the Form 1099-MISC in my name rather than the actual recipient Whether a corrected or amended tax form will be issued If this form was issued in error, please immediately file corrected tax reporting with the IRS and send me an updated copy. If Citizens Bank maintains that the {$5000.00} was properly attributed to me, then please explain the basis for that position and provide evidence that I actually received the funds. If the funds were intended for me but paid elsewhere, then I request that the {$5000.00} be remitted to me directly. This issue affects my tax filing obligations, so I request prompt review and response. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a student loan discharge request to Nelnet due to the death of my mother and provided a death certificate. In XXXX, Nelnet determined that I did not qualify for discharge. In XXXX, after calling and following up, adjustments were made to my student loan account ; however, the nature of those adjustments was not disclosed to me. On XX/XX/XXXX, I received a written notice stating that my student loan was paid in full, with a XXXX balance and no further payments due. The notice appeared official and instructed me to keep it for my records. Later in XXXX, I spoke with a Nelnet representative and was informed that the forgiveness notice was sent in error and that I should not have received it. My loans were subsequently reinstated without any clear written explanation or supporting documentation. In XX/XX/XXXX, I submitted written requests to Nelnet for a full audit and documentation of my federal student loan account, including payment history, balances, and origination records. Nelnet did not provide the requested documentation and instead directed me to an online portal or asked that I call them. I responded that I did not wish to communicate by phone and requested that all information be provided in writing to ensure I clearly understood my account. Despite multiple written follow-ups, Nelnet has not provided the requested documentation or addressed these issues in writing, including the reversal of the XX/XX/XXXXXXXX paid in full notice and the status and handling of my discharge request submitted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: MARINER FINANCE, LLC
State: DE

Complaint narrative:
Git this loan and has insurance in it if soothing happen to me in the job filled paperwork no results now there saying I am in debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: OH

Complaint narrative:
I have been denied access to my most accurate financial and personal data history, records, logs, and documentation of my student by both my pervious and current loan servicer. Ive contacted and filed a compliant on the federal student loan website with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am very stress trying to take care of this matter, the more I try the worse my situation gets. I really need help with this issue please. No matter what I do it's not working. I am a single parent trying to make ends meat, it is very stressful without help with the day to day struggles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: WI

Complaint narrative:
about XX/XX/XXXX i was doing a refinance at advance america web site stop over chargeing me and hit a wrong button that shorted the loan months, ,i called the store right away and went and had the payment on XXXX stopped but thier corperate office would not release my money. i went to my bank and filed a complaint and got my money back but friday i recieved a letter from my bank stating they were returning the mony back to advance america even after the amount was alreay put back on my loan. and since this has accured they have tried to pull payments every week when its supposed to be bi weekly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I submitted formal written disputes to Toyota Financial Services regarding my auto loan account, including a follow-up escalation after no response within the required timeframe. Toyota has now provided a response ; however, their response fails to adequately address multiple material issues and discrepancies. Specifically : Toyota has not provided proof that refunds totaling approximately {$3700.00} were ever issued or delivered to me, despite listing these as credits on the account. The response does not explain why automatic payments continued to be withdrawn after the repossession of the vehicle. The accounting provided does not clearly reconcile the total amount paid against the original contract and the remaining balance. The vehicle was sold for approximately {$7000.00}, which appears significantly below market value, and no explanation has been provided to demonstrate that the sale was conducted in a commercially reasonable manner. The account continues to be reported as a repossession and charge-off, despite the unresolved discrepancies and incomplete investigation. Although Toyota provided documentation, it does not resolve these issues or provide sufficient verification to support the accuracy of the balance or credit reporting. I am requesting : A complete and verifiable accounting of the account Proof of issuance and delivery of all refunds Explanation of continued withdrawals after repossession Review and correction or removal of inaccurate credit reporting Resolution of all financial discrepancies associated with this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have been making payments on this account and the company is not updating my balance on my credit report and still reporting the account as a collection even though I am paying on the account the agreed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: Chime Financial Inc
State: WA

Complaint narrative:
My chime checking account keeps getting hacked I have provided all the information and police reports to show i did not authorize payments on my account. XXXX XXXX keeps saying I made those purchases and wont give me my money back or keep my information secure as the hacker keeps getting my card information from someone thats not me. You can take one look at the account and see i have been dealing with this for months the charges happened in California and I have provided proof im in XXXX. XXXX keeps telling me nothing I do is enough and to keep providing the same information. They refuse to take action to keep my information secure. This bank has many security issues and refuses to give money back they are stealing or someone is stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
First discovered this issue through an IRS agent 2020, my identity was being used in XXXX XXXX & Ive never frequented the area. Second time was 2023 where this account was disputed & deleted. Now this account reappeared XXXX/25.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I leased an XXXX XXXX, but the payments were too high after I lost my job, so I asked the leasing department at XXXX XXXX in XXXX, CA, in person to help me refinance the loan to lower the payments. I was told I should wait until the following year, 2025, in XXXX. When I started having problems with keeping up with the Lease after I found a new job and became an injured worker who was placed on State XXXX, there was no way I could wait until XXXX, and I needed the payments lowered and the lease changed to a finance lease. The dealer did not want to work with me. The problem started with XXXX XXXX when they took my XXXX XXXX XXXX, which was financed and approved. The purchase, including tax and license, was around {$12000.00}. The transmission went out, and the dealership would not return the SUV to me when I returned it after a few days, and then about a month or so later. Instead, the XXXX dealer returned the {$5000.00} I put down on the car and told me to purchase a car that is more from them. Once the money was returned, I was forced to purchase a car with a higher amount pre-approved by XXXX XXXX. I went to XXXX around the corner and was approved to lease at the higher amount, and after the dealer in the financing department at XXXX contacted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, 2026, Capital One Offers had a promotion for 50 % cashback on a XXXX purchase. I made a purchase that day, but clicking the link on the Capital One Offers portal, which took me to the XXXX website. I was using my phone to make this purchase, so no ad blocking/cash back software or extensions of any kind were used. The order I placed had a subtotal of {$180.00}. I made sure that none of the items I purchased were excluded in the offer. Since that day, my Capital One Offers account has not reflected the purchase as complete. I contacted Capital One in XXXX, as was told that I would need to wait XXXX days for the merchant to verify the purchase. Now that XXXX days has past and there has been no change to my Capital One Offers account, I called Capital One again, only to be told that I now need to wait XXXX days. This is unacceptable. The only reason I made the purchase was because of the promotion and now, I have passed the return window. Capital One needs to honor their promotions or not offer them at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
On XXXX/2026, I initiated a transfer XXXX into XXXX business bank account from Navy Federal. Both accounts belong to me. At the time, I had a positive balance of over XXXX. On XX/XX/year>, I was notified that my direct deposit from the IRS for XXXX was being placed in my Navy Federal account. On XX/XX/year>, Navy Federal had my IRS deposit on hold for some reason, and I had to manually request it to be released into my checking account ( I have never had to do this with any direct deposits before ). At this time, my available balance was sitting at XXXX. On the same day, XX/XX/year>, Navy Federal transferred the XXXX I tried to have transferred on XX/XX/year>. They transferred the funds, even though I did not have sufficient funds in the account, and my direct Deposit was on hold, until I requested it to be released. This put my balance in the negative by XXXX. I was charged an OOPS overdraft charge for XXXX. I communicated to Navy Federal, requesting they reverse the XXXX chatge, since I should have had sufficient funds from the XXXX electronic deposit they had on hold, or they shouldn't have processed the XXXX transfer if there wasnt sufficient funds available. They refused to reverse the XXXX charge. I believe they deliberately did this, so they could charge the overdraft fees. They have already been penalized for this a few times, and it seems they are doing it again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am writing regarding a serious issue involving my account and dispute with XXXX related to transactions with XXXX XXXX XXXX totaling approximately {$7000.00}. These transactions occurred between XX/XX/year> and XX/XX/year>. At the time they occurred, I did not have knowledge of or provide consent for these transactions. They resulted from use of my account by a minor ( my child ) without my permission. The transaction activity consisted of numerous rapid, repeated charges within a short timeframe, which is not consistent with my normal usage and should have raised concern during review. I reported this issue promptly and fully cooperated with the dispute process. However, I did not receive provisional credit during the investigation period, nor was I provided clear updates or a meaningful timeline. The dispute extended beyond 10 business days without resolution or explanation. Subsequently, my account was closed. I was not provided a clear or detailed explanation for either the closure or the final determination of my dispute. This situation has caused significant financial hardship, including difficulty meeting essential obligations such as rent, and has placed me at risk of eviction. I requested a full explanation of the investigation, eligibility for provisional credit, and details regarding the account closure, but this information was not clearly provided. I am requesting the following : A full written explanation of the investigation and final determination, including all evidence relied upon A reconsideration of the dispute based on the transaction pattern, lack of consent at the time, and involvement of a minor Any applicable refund, credit, or goodwill adjustment Clear confirmation of how and when any remaining account funds will be returned following account closure I request that this matter be handled urgently due to financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I have an FHA-insured mortgage serviced by Planet Home Lending. I sent a certified letter formally requesting evaluation for all FHA loss mitigation home retention options under HUD Handbook XXXX as a borrower facing imminent default. My account is current and I was acting proactively to prevent default. Rather than responding in writing as I specifically requested, Planet Home Lending called me. I returned that call on XX/XX/XXXX. During that call the representative told me XXXX things that contradict HUD guidelines : First, she stated they could not help me because my account is not delinquent. HUD Handbook XXXX explicitly requires FHA servicers to evaluate borrowers facing imminent default regardless of delinquency status. Second, when I explained my household had gone from XXXX incomes to XXXX due to my spouses unemployment, the representative dismissed my hardship by stating my spouse was not on the mortgage. HUD loss mitigation guidelines evaluate household financial hardship, not solely who is named as a borrower. This is not the first time Planet Home Lending failed to properly evaluate me. In XXXX XXXX, during a period of XXXX leave , I contacted them requesting mortgage assistance. At that time I was only offered a payment deferral that would have been reported as delinquent to the credit bureaus. I was never informed of my right to a full FHA loss mitigation waterfall evaluation including loan modification and other home retention options. I am requesting the CFPB require Planet Home Lending to provide a complete written evaluation of all FHA loss mitigation options I am entitled to under HUD Handbook XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
All details of this complaint are in the attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
all the mounthly maintains fees you charges me over the years fell like a poor person tax 's

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding Experians failure to comply with the Fair Credit Reporting Act, specifically under 15 U.S.C. 1681b and 605B. I previously notified Experian that certain accounts on my consumer report were not authorized by me and may be the result of identity theft. I provided proper notice and documentation, requesting that these items be blocked and removed in accordance with 605B. Additionally, Experian has continued to report these accounts without providing a permissible purpose as required under 1681b. I have not given authorization for these accounts, nor have I entered into any contractual obligation with the reporting parties. Despite my dispute, Experian failed to conduct a reasonable investigation and continues to report inaccurate and unverified information on my credit file. This is causing ongoing harm to my financial standing. I am requesting that Experian comply with federal law by immediately blocking and removing all unauthorized and fraudulent accounts, and provide documentation verifying the method of verification used in their investigation. I also request a complete copy of my consumer file reflecting these corrections. I have attached my Drivers license, Paystub, and social security card. Please block these accounts within XXXX business days!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: MI

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report # XXXX, which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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