vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Subject : Request for Correction of Inaccurate Student Loan Payment History Reporting To Whom It May Concern, I am writing to formally dispute the reporting of negative payment history associated with my Department of Education/NELN student loan account ( s ) appearing on my credit report. During the period affected by the federal XXXX student loan relief and payment pause programs, federally held student loans were subject to protections under the CARES Act and subsequent Department of Education relief measures. Under these protections, eligible accounts placed in administrative forbearance were to be reported as current if they were current prior to the relief period. The following account ( s ) are reporting delinquency markers including XXXX, XXXX, XXXX, and XXXXday late payments : * Account Name : DEPT OF EDUCATION/NELN * Account Number : XXXX I respectfully request an investigation pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to : * 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to provide accurate information * 15 U.S.C. 1681i Requirement that credit bureaus conduct a reasonable reinvestigation of disputed information Because these loans were subject to federally mandated relief protections and/or administrative forbearance related to XXXX student loan programs, the reporting of severe delinquencies may be inaccurate or incomplete. Additionally, under the CARES Act, accounts receiving approved payment accommodations related to XXXX were generally required to continue being reported as current if previously current before the accommodation period. I request that the credit bureau and furnisher : XXXX. Conduct a full investigation into the reported payment history ; XXXX. Verify whether these late payment notations comply with federal student loan relief reporting requirements ; XXXX. Correct or remove any inaccurate delinquency reporting ; XXXX. Update the account history to reflect Paid as Agreed, Current, or Affected by XXXX XXXX where applicable. Please provide me with written confirmation of the investigation results, including the method of verification used. I have attached supporting documentation showing my enrollment in federal student loan relief/payment programs and copies of my credit report reflecting the disputed reporting. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX XXXX XX/XX/year> XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: NY

Complaint narrative:
I am disputing unauthorized transaction for {$290.00} made on my Chime account. At the time the this transaction occurred ( XX/XX/2026 ), my debit card had been lost and was not in my possession. I did not authorize, approve, or recognize the charges or the app/merchant associated with them. I contacted Chime to report the unauthorized activity and requested a fraud investigation and reimbursement. Chime denied my dispute multiple times, stating that my device pinged near the location where the transaction occurred. However, location data alone does not prove that I personally authorized or completed the transaction. I did not knowingly enter my card information, approve any purchase, or complete any authentication such as a PIN, password, or biometric verification for these transactions. At Chimes request, I filed a police report regarding the lost card and unauthorized transactions. Despite providing this information, my dispute was still denied. I am requesting a full reinvestigation of the unauthorized transactions and reimbursement for the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
I am reporting Lakeview Loan Servicing for predatory loan churning and aggressive marketing tactics. After a week of daily persistent phone calls, they pushed a VA IRRRL offer that blatantly violates the 36-month recoupment rule ( 38 U.S.C. 3709 ). Based on my disclosures, the total allowable fees are {$6800.00} and the monthly savings are only {$79.00}. This results in an 87-month break-even period, more than double the federal limit. This offer seeks to strip equity from my home while providing no legitimate financial benefit.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank XXXX. Box XXXX, XXXX, FL XXXX. Filed a lawsuit against me and obtained a judgment in XXXX XXXX. XXXX. The proof of service filed with the court states that I was personally served by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, phone number XXXX. However, I was never personally served with any lawsuit papers. The proof of service contains inaccurate information. It describes me as weighing between XXXX and XXXX pounds, when I actually weigh close to XXXX pounds. The document also states that I was served at approximately XXXX p.m., but I do not arrive home until between XXXX p.m. and XXXX p.m. each day. In addition, my property is surrounded by a XXXX-foot fence that remains locked at all times, making it impossible for someone to approach my front door without access. I did not learn about this lawsuit until I received notice from the court that a judgment had already been entered against me. When I went to the courthouse to ask about the matter, I was informed that the judgment had already been finalized and that I would need to hire an attorney. I believe the proof of service filed in this case is false and that I was denied proper notice and the opportunity to respond to the lawsuit.

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 2026-05-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding collection accounts appearing on my credit report that do not belong to me. I actively monitor my credit, and these accounts were reported without my knowledge or authorization. I have never had any involvement with or approved these accounts, and it is unacceptable and concerning to see inaccurate information associated with my name. I am requesting an immediate investigation and prompt correction of this matter without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
A debt collection company by the name of LVNV Funding, LLC is attempting to collect an alleged debt that they're claiming that I owe them. I submitted a complaint to the BBB, asking for validation of the debt and they did not comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint regarding the permanent closure of my Cash App account. Cash App permanently deactivated my account and denied my appeal without providing a specific explanation for the alleged Terms of Service violation. I completed identity verification and used the account for legitimate personal financial activity. Despite requesting clarification, I received only general statements referencing policy violations without details sufficient for me to understand or respond to the allegation. I am requesting : - a clearer explanation of the basis for the account closure, - confirmation that my identity and account information were reviewed correctly, - and assistance ensuring that any remaining funds are accessible. I believe consumers should receive adequate explanation and fair review when access to financial services is permanently restricted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
Today chime closer my debit card without my authorization and when they realized they closed a card by mistake they did not XXXX. Try to rectify this by other reactivating my card or expediting another card, that was ache I had Just deposited {$400.00} more to thjs account with this fraud of bank. I told Them on a recorded line I will sue them which I will They didn't even. Try to overnight or expedite another card to me .knowing I am Outside of country this is unreal I nee This matter investigated and report will be submitted to my lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Since XXXXXXXX XXXX XXXX, I have gone to the DMV and have had them send fax request over to Florida DMV from Mazda Financials so I can get my car registered in the state of Florida. They will confirm they received the fax, then decline once I call back for an update a few weeks later. This has been ongoing for almost 3 years. I have gone to 4 DMVs in hopes at least one place would have luck getting the information. One of the DMVs sent the request via mail. I have an outstanding lein but no response from Mazda. When requesting to escalate or discussing with a supervisor or manager, they claim they have no management and there is no one they can escalate to. This has caused me to have my car towed and received tickets because of it. This is my transportation to and from work. The DMV made an exception in XXXXXXXX XXXX XXXX for my last temp tag due to the situation but now I am unable to get another one. This has placed a financial burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Formal Billing Dispute Payment Misallocation Account Ending XXXX Dear Citi Customer Relations, I am writing to formally dispute a payment misallocation on my Citi Strata Elite account ending in XXXX. On XX/XX/year>, I made a payment of {$5000.00} with the intent to pay down new charges incurred during the XXXX billing period ( XXXX ), which included a {$3900.00} USCIS filing fee and other purchases totaling {$4500.00}. However, per my XX/XX/year> statement, this payment was applied to my Citi Flex Plan principal instead reducing my Flex Plan from 8 payments remaining to 3 remaining ( an acceleration of 5 payments worth approximately {$5300.00} ). As a result, my new charges of {$4500.00} remain entirely unpaid, and I am now being asked to pay {$5500.00} by XX/XX/year> despite having already sent {$5000.00} just days prior. I was never informed that payments made after new charges post would be applied to the Flex Plan balance rather than to those new charges. Had this been clearly communicated, I would have timed my payment differently. I am effectively being asked to pay twice for the same billing period, which is not a reasonable outcome for a customer who paid early and in good faith. I am requesting the following resolution : 1. A full credit of {$5000.00} to my account to correct the misallocation, OR a reallocation of my {$5000.00} payment to cover my new statement charges of {$4500.00}, with the remainder applied as intended. XXXX. Confirmation that no late fees or interest will accrue while this dispute is under review. XXXX. A written response detailing how my payment was allocated and the steps taken to resolve this. I have retained copies of my XXXX and XXXX statements, as well as chat transcripts with your support team documenting multiple attempts to resolve this issue, as supporting documentation. Please treat this as a formal billing dispute under the Fair Credit Billing Act ( FCBA ). I expect a written response within the 30-day statutory period. Sincerely, XXXX XXXX Account Ending : 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 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I dispute this account and request full validation of the alleged debt. Please provide the original creditor information, signed agreement, account statements, and proof that Midland Credit Management has the legal authority to collect and report this debt. If the account can not be fully verified, I request immediate deletion from all credit bureaus under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NC

Complaint narrative:
Robinhoodclosed my account and won't let me withdraw money they have done this to many people it's all over internet that they are scammers I just didn't find out till now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
Fraud Report Summary Date of Incident : XX/XX/year> Total Loss : {$11000.00} ( {$7300.00} via XXXX/ACH transfer , {$4000.00} via debit card ) Financial Institution : USAA Summary of Events On XX/XX/year>, I was the victim of a sophisticated phone scam resulting in a total financial loss of {$11000.00}. Prior to the incident, unknown fraudsters gained unauthorized access to my USAA mobile banking application. Using that access, they filed a number of fraudulent dispute claims on past transactions. USAA processed and awarded those disputes, artificially inflating my account balance by approximately {$11000.00}. On XX/XX/year>, I received a phone call from a number that displayed as USAA 's official customer service number. The caller identified themselves as a USAA representative and informed me that my account showed an erroneous balance of {$11000.00} that needed to be returned to its rightful owner. Believing I was speaking with my bank, and seeing what appeared to be a legitimate excess balance in my account, I was deceived into sending {$7300.00} via XXXXACH transfer and {$4000.00} via debit card to accounts directed by the caller. Key Facts Unauthorized third parties gained access to my USAA mobile banking app prior to the incident Fraudulent disputes were filed and processed through my account without my knowledge, inflating my balance The scammers spoofed USAA 's official phone number to impersonate bank representatives The artificially inflated balance was used as the mechanism to pressure me into sending funds I have reported this to USAA and have an open fraud claim Relief Requested I am requesting a full investigation into this matter and reimbursement of my {$11000.00} loss. The unauthorized access to my banking application, combined with the spoofing of my bank 's official phone number, enabled this fraud. I believe my financial institution bears responsibility for processing the fraudulent disputes that made this scam possible, and for failing to flag the unusual account activity that preceded and enabled it.

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 2026-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am filing a complaint regarding serious issues that occurred during the repossession and redemption of my vehicle and the lenders failure to properly manage their agents. Timeline of events On XX/XX/year>, I contacted Exeter Finance and informed them I would make a payment using my bank account. I was told that payments could only be made using a debit card, so I planned to make the payment later that day. On XX/XX/year>, my vehicle was repossessed between approximately XXXX XXXX and XXXX XXXX. When I immediately contacted Exeter Finance to pay the balance, I was told I had to wait until Monday. On XX/XX/year>, at approximately XXXX XXXX, I paid the redemption balance in full. Exeter Finance confirmed a release was sent to their repossession contractor. Despite paying in full, I experienced multiple delays and had to take time off work and make repeated calls to coordinate the return of my vehicle. I was forced to contact the repossession contractor myself to ensure the release was sent to the towing company. I did not regain possession of my vehicle until XX/XX/year>, one full week after paying the redemption. Unauthorized actions AFTER redemption When I finally retrieved my vehicle, I discovered : The repossession company had programmed a new proximity key The emergency metal key was not provided My vehicle system shows TWO keys were programmed, but I was only given ONE I was told the lender authorized the key programming, but the lender denied authorizing it The repossession company refused to provide an itemized invoice for the charges I was told the key programming invoice was dated XX/XX/year>, which is three days after I paid and redeemed the vehicle This indicates that my vehicle was accessed and modified after I had already paid in full. I now have serious safety and security concerns because an additional key exists that was never given to me. Why I am filing this complaint Exeter Finance failed to properly manage their repossession agents and failed to provide : A clear explanation of who authorized post-redemption charges An itemized accounting of repossession and redemption fees Assistance resolving unauthorized actions taken on my vehicle after payoff I have been sent back and forth between the lender, the repossession contractor, and the towing company, with each party blaming the others. As the lender, Exeter Finance is responsible for the actions of the agents they hired to repossess and return my vehicle. Involved parties { XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX } { XXXX XXXX XXXX XXXX } { Exeter Finance XXXX }

Company response to consumer: Closed with explanation