vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I have not received any emails or letters stating that I had debt with this company or that they were trying to collect debt until I saw they reported to my credit history as Derogatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
On Sunday, XX/XX/year>, I contacted the credit card issuer because my card was declined and my account showed {$0.00} available credit, despite a current balance of approximately {$350.00} on a {$750.00} credit limit, which should have left over {$400.00} in available credit. 

During this call, the customer service representative stated that my account had been closed due to XXXX returned payments. This statement is inaccurate. I have had only XXXX returned payment on this account. When that occurred previously, my account was temporarily suspended, I contacted customer service, and the issue was resolved with my account reinstated. 

Separately, on XXXX, XX/XX/year>, my account was again suspended without notice. When I called, I was told the suspension was related to a {$5.00} payment that required bank account verification. I completed a three-way verification call with my bank and the issuer, using a bank account I had previously and successfully used for payments. After verification, I was told the issue was resolved. 

Less than XXXX week later, my account was closed without prior notice or written explanation. I was again told this was due to XXXX returned payments, which is false. 

I have consistently made my payments on time and routinely pay my balance to {$0.00} before the statement closing date. The closure of my account appears to be based on incorrect account information and inconsistent explanations provided by customer service. This has resulted in loss of access to available credit and potential negative impact to my credit profile. 

I am requesting a review of this account closure, correction of any inaccurate account records, and written clarification of the reason for closure.

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 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Debt Holdings, LLC
State: TX

Complaint narrative:
National Debt Holdings , LLC called me and threatened to report to the credit bureaus, as a third part debt collector, that I owed them a debt from XXXX. I told them I had no knowledge of it. I asked them to provide me with the original contract so that I may see what I did in the past. They hung up the phone on me. I called back twice and was hung up on twice before I got to an agent who gave me an email where I could send a request for validation of debt. And, she did confirm receiving that email. 
They said it was a recorded line. And, these conversations occurred on the XXXX of XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Hi, I have student loan in my credit report, almost 15 years supposed delete 10 years. 

Account info Account name DEPT OF ED/AIDVANTAGE Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/2010 Help me- Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: MD

Complaint narrative:
A debt collection law firm attempted to collect a Delaware toll debt that had already been paid in full to the original creditor. 

After receiving an initial collection notice dated XX/XX/XXXX, I verified the alleged toll balance directly through the official Delaware XXXX ( XXXX DE ) website. Upon confirmation, I paid the full amount of {$90.00} directly to the Delaware XXXX XXXX XXXX  on XX/XX/XXXX. 

Despite the debt being paid in full more than one month earlier, the collection firm issued another notice dated XX/XX/XXXX, claiming the balance remained unpaid. 

I immediately contacted the collection firm by phone and informed the representative that the debt had already been paid to the original creditor. I offered to provide proof of payment electronically. The representative refused to accept documentation by email and required that I either mail or fax the receipt, despite both options requiring additional personal expense. The representative refused to provide any cost-free method to submit documentation. 

As a result, I was forced to incur out-of-pocket expenses to fax proof of payment for a debt that should not have been pursued at all. These costs were incurred solely due to the firms refusal to accept reasonable electronic documentation. 

Continued collection efforts after full payment appear improper and may violate the Fair Debt Collection Practices Act, including attempting to collect a debt not owed, failing to cease collection activity after dispute, and using unfair or unreasonable collection practices. 

I am requesting confirmation that the account is closed, all collection activity has ceased, reimbursement of the fax costs incurred due to the firms actions, and confirmation that no negative credit reporting has occurred or will occur.

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 2026-01-18 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: VA

Complaint narrative:
On XXXX, XX/XX/year> at XXXX PM. The payment was sent via Cash app to a wrong individual who has a similar name to the intended recipient. The individual that wrongfully receive the payment cash app name is XXXX XXXXXXXX and their XXXX  name is XXXX. They have the same XXXX  name as the intended recipient that should have received the payment. The transaction number is XXXX XXXXXXXX. My Cash app information where the payment came from is. XXXX XXXXXXXX. 

I am writing to express serious concern regarding XXXX XXXX handling of payments sent in error and the lack of meaningful protection for users who make honest mistakes. 

In my case, I mistakenly sent a {$500.00} payment to the wrong recipient then I immediately requested a refund, but the recipient refused to return the funds. Despite clear evidence that this was an error, I am being told there may be no way to recover my money. 

This outcome feels both unethical and fundamentally unfair. Mistakes can happen to any individual, and a system that allows a recipient to knowingly keep money that was not intended for them places an unreasonable burden on the sender. It effectively rewards unjust enrichment and leaves responsible users without adequate recourse. 

As a financial platform used by millions, Cash App has an ethical responsibility to offer reasonable protections when errors occurespecially when the recipient acknowledges the payment and refuses to return it. Without such safeguards, users are exposed to unnecessary financial harm for simple, human mistakes. 

I respectfully request that can you please assist me in this matter. 

Thank you for your time and attention Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: UPGRADE, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX I received an email that stated I had till XX/XX/XXXX to contact upgrade about the outstanding money I owed. I had gotten nothing in the mail except statements. I never got anything that said they are repossessing my car. They called and said they have something important to talk about but would never say what it was. All the phone calls are recorded. You can get recordings and hear for yourself. Daybreak auto came on XX/XX/XXXX and took the car. I called multiple times and talked to XXXX who was a completeXX/XX/XXXX and laughed at me saying that no email like I had gotten would ever be sent by there company. I sent about XXXX copies of the email I received to them. They would not do anything so I started calling lawyers. I called around XXXX law offices and none take repossession cases. I told upgrade I was getting aXX/XX/XXXXand they stopped talking to me. XX/XX/XXXXI have calledXX/XX/XXXXwith no call back or response. XXXX XXXX XXXX XXXX charges {$100.00} just to get the name of aXX/XX/XXXX, just for the name! Upgrade said I had to pay what I owe before getting my things out of my car. That is a lie, I received letter with what was in my car plus the real amount I would need to pay to get my items that were in my car. It also said I had to make an appointment to get my things. I have called multiple times to try and set up appointments on XX/XX/XXXX and XX/XX/XXXX with no answer and no return phone calls. I have email saying that I have till XX/XX/XXXX 25th

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Scammer is using Bank of America account XXXX to gain trust and scam consumer. On XX/XX/year>, I was scammed when I wired {$23000.00} to a fake out-of-state auto dealer 's that has a bank account at Bank of America for XXXX XXXX XXXX, and I never received the car. After I made the payment, the company website is no longer working, and I have not received any contact from the auto dealer. On XX/XX/year> I filed a report with my local police ( XXXX XXXX XXXX case number XXXX XXXX ) ; however, the case was closed and moved to a different state, XXXX XXXX due to state jurisdiction. When I contact the local police in XXXX XXXX they dont take the case because I dont reside in the state and they suggest that only the state where I reside can handle my case. I feel like the states are not handling the case due to jurisdiction so theyre just trying drop the case. I also have filed XXXX with the FBI but I have not received any contacts from the FBI. I have requested my bank XXXX XXXX to issue a wire recall but the recipient bank ( Bank of America ) never respond to a wire recall from my bank. Im desperately need the help from you investigate and see if you can help and reach out to Bank of America so that they can give a status of a wire recall or issue my money back from the scam account.

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 2026-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am disputing the continued reporting of inaccurate and unverified collection accounts by Jefferson Capital System on my credit report. These accounts are being reported by a third-party debt buyer without proper verification of ownership, accuracy, or balance.

Jefferson Capital System has not provided competent evidence of a valid chain of title, original creditor contract, or a complete itemized accounting of the alleged debts. Under the Fair Credit Reporting Act ( 15 U.S.C. {$1600.00} ), CPBs are required to conduct a reasonable investigation and verify disputed information directly with the data furnisher.

If Jefferson Capital System can not provide full documentation proving legal ownership and reporting authority, these collection accounts must be deleted. Automated or cursory verification does not meet FCRA requirements. 
I am requesting immediate deletion of these collection accounts due to failure to properly verify and continued inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I attempted to purchase a cat from the website XXXX  Shortly after expressing interest, a person identifying herself as XXXX contacted me regarding the purchase. I initially attempted to pay for the cat using my credit card through the website, but the transaction did not go through. XXXX then instructed me to send payment via XXXX to XXXX of her colleagues. Following her instructions, I sent a total of {$750.00} to reserve the cat {$400.00} from my XXXX XXXX XXXX XXXX ( XXXX  ) account and {$350.00} from my Navy Federal Credit Union account on XX/XX/year>. On the day of the scheduled shipment, I received an email from a shipping company calling itself XXXX informing me that I needed to pay an additional {$550.00} which I sent through my XXXX XXXX account on XX/XX/year> for pet insurance before the cat could be shipped. Later that afternoon, I contacted them for an update and was told that the cat had not received its vaccinations and that the shipping crate had been damaged. They then requested an additional {$580.00} to cover those costs, which I refused to pay. When I first inquired about the cat, XXXX had stated that the cat was already vaccinated. This inconsistency, along with the repeated demands for extra payments, raised my suspicion. Upon further investigation, I discovered that XXXX and XXXX are both associated with fraudulent activity. 

I've contacted both of my banks and they said they couldn't do anything since it was a XXXX transaction. I expressed it was an imposter scam then requested a good faith request which they replied they couldn't do due to my transaction being for a product/service but I did not receive that product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am disputing XXXX ATM cash withdrawal errors under Regulation XXXX. 
On XX/XX/scrub>, 2025, I attempted to withdraw {$400.00} from an ATM. My account was debited, but no cash was dispensed. 
On XX/XX/scrub> 2025, I attempted to withdraw {$300.00} from an ATM. Again, my account was debited, but no cash was dispensed. 

I timely notified Chase of both errors. Chase denied both claims and issued a final decision. The ATM operator refused to provide ownership or processing information. 

Chase denied my claims without providing the ATM electronic journal, cash cassette reconciliation, or network trace, as required for a reasonable investigation under Regulation XXXX ( XXXX XXXX XXXX ). 

I am requesting reimbursement of {$700.00} or documented proof showing cash was actually dispensed, including ATM electronic journals and reconciliation records. 

Chases denial without evidence appears to be a failure to conduct a reasonable investigation under Regulation XXXX. 
Chase provided a document labeled journal print, which is a Chase/XXXX XXXX transaction record , not the ATMs electronic journal. 

It does not show dispenser activity, cassette movement, cash-presented status, or error codes and therefore does not establish that cash was dispensed. 

Chase has refused to provide the ATM-generated electronic journal or cash cassette reconciliation despite multiple requests. 

Denial based on a network transaction summary does not satisfy the reasonable investigation requirement under Regulation XXXX ( XX/XX/XXXXXXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX of XXXX  there was a fraudulent attempt made on my credit card and that account was closed and a new account # was generated. on XX/XX/XXXX a payment of {$1000.00} was sent to the credit card ending in the account that was closed by mistake. The credit card company acknowledged they received the {$1000.00} but that they could not credit the new account and that they also could not send email conformation that the received the money.

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 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I closed my Citibank credit card account approximately XXXX days before the annual fee renewal date ( account closed prior to the fee posting ). Despite the account being fully terminated, Citibank informed me via live chat on XX/XX/year> that the annual fee would still be charged and that I would be expected to pay it. Citibank stated that the fee would then be refunded XXXX to XXXX billing cycles later ( up to XXXX  days ). 

Citibank representatives advised that if I did not pay the annual fee while waiting for the refund, a late fee could be assessed. I was told that late-fee suppression would only occur if specifically requested. In my case, a late-fee suppression was granted only after I asked for it during the chat. 

I find this practice unreasonable. While I could possibly understand that a previously scheduled fee might still post to a closed account, it is not reasonable to expect a customer to pay a renewal fee for an account that no longer exists and then wait weeks or months for reimbursement. During that time, Citibank retains the customers funds. 

More concerning, if a customer reasonably declines to pay a fee charged after account termination, Citibanks process can result in late fees unless the customer proactively intervenes. This creates unnecessary risk for the customer, including potential negative credit reporting, despite the account being closed and the fee acknowledged as refundable. 

Additionally, once the account was closed, I lost real-time visibility into posted charges and pending activity. I could only access prior statements, not current activity. Despite this lack of access, payment was still expected. 

Citibank also does not provide customers with a transcript of live chat sessions. The only reason I have a record of this interaction is because I manually captured screenshots. Once the chat ended, the conversation was erased from the browser and no transcript was emailed or otherwise made available. 

I believe this billing and refund practice should be revised. Annual fees should not be charged at all once an account has been terminated, or at minimum should be automatically suppressed without requiring payment, refunds, or customer intervention. I suspect many customers comply to avoid penalties, allowing this practice to continue without challenge.

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 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SCS Credit Corporation
State: NC

Complaint narrative:
SCS Credit Corp repossessed my vehicle and is enforcing and furnishing a deficiency balance that has not been properly reconciled after sale. The company refused and returned payments, failed to provide required repossession and sale documentation, failed to explain how the deficiency was calculated, and continues to report and enforce an unverifiable balance. This complaint follows an inadequate CFPB response dated XX/XX/year>, and includes a formal rebuttal and documentation for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: WV

Complaint narrative:
Chime leaked or sold physical and virtual card numbers. When the attempted transactions started, I brought it Chimes attention. Was assured nothing like that would ever happen. The next day several more happened. I immediately froze the cards and requested new cards with new numbers. When received several weeks later, I activated the physical cards. Before I could finish the activation process, the attempts started again and havent stopped. Ive reported it to chime XXXX times and been told Im delusional and it never happened. All of my cards are froze AND attempts from places Ive never heard of continue!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
My had the car and wasn't making the payments. I just want it off my credit so I can get a new car. I didn't know she wasn't making the payments because she was working.

Company response to consumer: Closed with explanation