vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
My bank account was closed approximately one month and a half ago, and I was informed that I would receive a remaining balance check of about {$3000.00} after 10-20 days after the call. As of today, I have not received the check, nor have I been given a clear update on its status. I have attempted to contact the bank multiple times without resolution. I am requesting immediate assistance in receiving my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information being reported on my consumer credit file regarding the following accounts : Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : Paid / Charged-Off / Sold Collection Agency : XXXX XXXX XXXX XXXX Account XXXX : XXXX Status : Collection {$1300.00} This dispute is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that all information reported must be 100 % accurate and not misleading. BASIS OF DISPUTE The accounts listed above are being reported in a conflicting and deceptive manner, including : The original account reflects a {$0.00} balance / paid off, yet also shows a charge-off status A separate collection account is reporting a balance for the same debt The reporting creates the false impression of multiple obligations for one account ( duplicate reporting ) The original account states sold to another lender but continues to report negative status This violates FCRA 1681e ( b ) as the information is not being reported with maximum possible accuracy. FDCPA VIOLATIONS Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and 1692g, I dispute the validity of the collection account. I have not received :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: NY

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my Cash App account. Multiple transactions were made without my authorization through XXXX I reported these transactions and submitted disputes/appeals for each one. XXXX of these unauthorized transactions were reviewed and approved by Cash App, confirming that they were not authorized by me. Notably, XXXX of the unauthorized transactions that occurred approximately XXXX minutes before the denied transaction was approved and refunded. However, a separate unauthorized transaction in the amount of approximately {$460.00} was denied. Both transactions originated from the same source ( XXXX ), occurred within a short timeframe, and were materially similar in nature. Despite this, Cash App provided no clear explanation as to why XXXX transaction was approved while the other was denied. I requested clarification from Cash App but did not receive a meaningful or specific explanation for this inconsistency. The inconsistent handling of nearly identical unauthorized transactions, especially those occurring within the same timeframe, and the lack of transparency prevent me from understanding or addressing the decision. I am requesting a full review of the denied claim, a clear explanation for the inconsistent treatment, and reimbursement of the {$460.00} unauthorized transaction. This demonstrates inconsistent handling of unauthorized transactions occurring within the same timeframe, without a clear or transparent explanation. This inconsistency raises concerns regarding the fairness and transparency of Cash Apps dispute resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Block, Inc.
State: NC

Complaint narrative:
This is my XXXX complaint with Block Inc./Cash App, I've been dealing with this same issue since XX/XX/XXXX. The original complaint was closed as the company indicated they were working on it and to allow the proper time to investigate my complaint. In XX/XX/XXXX the company admitted that my cash app account was compromised and that the Tax dept. would be contacting me to correct the 1099K form that was submitted to the IRS in the amount of {$42000.00} for not disclosing additional income. Income that I didn't make as I was on XXXX during XXXX when I received Social Security XXXX Since the complaint filed on XXXX XXXX, I received notification from the CFPB indicating that Block INC will be contacting me, which they did from again multiple rep, but the rep handling my complaint was XXXX XXXX XXXX XXXX and XXXX which all correspondences are attached, the last email indicated that they investigated my complaint thoroughly and stated that I reach out to my tax advisor to handle this situation as they couldn't change a 1099k form once it's submitted to the IRS which I found was ridiculous! This company isn't taking ownership of their mistake, meanwhile I'm receiving notices from the IRS of additional penalties and intent to garnish and levy our home. Which is of no concern to them. I've filed a police report, and have given all pertinent information to them, I've also spoken directly to the IRS -also attached submitted required documentation for Identity theft, they also indicated that Block Inc could amend the 1099K form originally submitted under my name and Social Security number so they have lied and I can't be the only person they have done this to. They didn't disclose their specific findings, but have closed the case and advised me to start back to the original steps I've taken in XXXX. As I've indicated and provided enough proof to have this debt properly removed from my name, It indicated that under my cash app user name and phone number that was used to make the said income the funds were withdrawn under a XXXX XXXX Account not listed in my name, but no one has taken the time to investigate that, which from my conversations with other cash app reps, the card that was used to withdraw funds should have been in my name, which XXXX XXXX XXXX XXXX indicated I Do Not have an account with them under my name or social security number. It shouldn't have taken this long to verify the transactions which were also disclosed went to an account not belonging to me. Someone in this massive organization should have caught this before submitting documentation of an incorrect debt. This is criminal and the company needs to be investigated. They tell me to log into cash app using my information but I can't access an account that's not under the user name that was used to reopen yet another case to start the process over again!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX Portfolio Recovery Associates , LLC I am filing this complaint regarding Portfolio Recovery Associates , LLC and their failure to properly validate an alleged debt, along with their continued reporting of this account. On or about XX/XX/XXXX, I submitted a written request for debt validation regarding an alleged account originally associated with XXXX XXXX. In response, Portfolio Recovery Associates sent a letter dated XX/XX/XXXX. However, the documentation provided does not meet the requirements of proper debt validation under the Fair Debt Collection Practices Act. Specifically, the company failed to provide : A complete account history or billing statements Any signed agreement or evidence that I authorized or incurred the debt Adequate documentation establishing a full chain of ownership A clear itemization of the alleged balance Instead, they provided only a generic account summary and a notice of transfer, which does not sufficiently verify the debt. Despite this lack of proper validation, the company continues to : Attempt to collect the alleged debt Report the account to consumer reporting agencies without sufficient verification This conduct may also violate the Fair Credit Reporting Act, as unverified and disputed information is being reported. I formally dispute this account in its entirety. I am requesting that Portfolio Recovery Associates , LLC : 1. Provide proper and complete validation of the alleged debt, or 2. Immediately cease all collection activity and delete the account from all consumer reporting agencies Additionally, I request that this matter be investigated for compliance with federal consumer protection laws. I have retained copies of all correspondence and am prepared to provide them upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I made an online order at XXXX XXXX. I did not receive it so I disputed the charge with my XXXX card XXXX months ago. XXXX being charged interest on a charge for merchandise I didnt receive. How is the dispute not resolved?? They are very unhelpful at commenity. Also, Ive disputed things on my normal bank cards before- how it works is youre refunded back the money until the dispute is resolved. Youre not expected to pay the money being disputed. This has been a terrible process!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Formal Complaint against Citibank , N.A . regarding Misallocation of Payments on 0 % Interest Promotion To the Consumer Financial Protection Bureau : I am filing this formal complaint against Citibank regarding my credit card account. I am a customer who took advantage of a 0 % interest rate offer. However, Citibank has consistently failed to apply my payments correctly, rendering the " interest-free '' benefit ineffective and deceptive. Statement of Facts : This is the second time I have encountered this exact issue with Citibank. My account currently has balances under a 0 % interest promotion. Despite making significant payments, Citibank is not posting these payments toward the promotional balances that expire first. Instead, they are allocating the funds to balances that expire at a later date. Evidence of Non-Compliance : I have closely monitored my billing statements for the last five ( 5 ) months. These statements clearly show that no matter the amount or frequency of my payments, they are never credited toward the balance with the earliest expiration date. Consequently, the 0 % interest benefit is not real, as the bank ensures the balance nearing its expiration remains unpaid to trigger interest charges. Request for Resolution : I request that Citibank : Reallocate my payments from the last five months to the promotional balances that expire first. Adjust any interest charges that may have resulted from this misallocation. Ensure that all future payments are applied in accordance with consumer protection laws, prioritizing balances whose promotions expire soonest. I have retained all billing statements as proof of this systematic misallocation and am prepared to provide them to the CFPB for review. If you have any questions please feel free to contact me at any time. Sincerely, XXXX 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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am disputing the reporting of a XXXX XXXX account on my credit report. This account was previously removed and has now been reinserted without proper notification. I did not receive any notice of reinsertion as required under the Fair Credit Reporting Act. I have requested validation of this account, including documentation proving I am legally responsible for the debt and verification of how the account was reinserted, but no sufficient documentation has been provided. Additionally, I dispute the accuracy and validity of this account. I am requesting full documentation, including any lease agreement or contract bearing my signature, that proves I am responsible for this alleged debt. Without proper verification and compliance with reinsertion requirements, this account should not be reported on any of my credit files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Due to the illegal reassertion of an eight-year-old debt, the company is making it seem newer, and thats illegal. ARBITRATION AGAINST Equifax ASKING FOR ACTUAL DAMAGES, STATUTORY AND PUNITIVE DAMAGES IN THE AMOUNT OF {$50000.00}. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO C 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . Double reporting = violation-demand deletion under 15 USC 1681! Equifax has failed to investigate this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CORELOGIC INC
State: FL

Complaint narrative:
I am a victim of identity theft. I have attached my police affidavit.

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 2026-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am two payments away from completing my public service loan forgiveness. Through multiple emails from MOHELA and XXXX, I was told I must recertify my loans through IDR. I followed the directions. In response, the company put me into an automatic forbearance of those loans. I did not request this and disputed with MOHELA. They did not provide any information about a forebearance prior to the recertification of the payment plan. Once contacted, MOHELA claimed it would take 90 days to process the request out of forebearance, which further delays my loan forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-11 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX. Within one week, I was involved in a car accident and sustained a XXXX XXXX I was admitted as an XXXX to XXXX XXXX XXXX, where I am also a XXXX XXXX XXXX XXXX XXXX ) client. I experienced multiple XXXX in XXXX and again in XXXX, which left me medically XXXX and unable to manage administrative matters. On XX/XX/XXXX, I submitted a hardship request to Kia Finance, including all medical documentation, and I submitted it before the XX/XX/XXXX contractual fulfillment date. Kia Finance never responded to this request. During my XXXX, the vehicle remained at the hospital and was later moved by my mother to the discharge location. It then sat at her home while I attempted to work with XXXX XXXX to unwind the transaction. I asked the dealership to take the vehicle back and return my tradein so the finance company could be made whole. They refused to assist unless I was willing to agree to obligating myself to another deal. Without my knowledge, XXXX XXXX arranged for the vehicle to be towed by XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX, FL ). I received no notice of the tow, storage, lien, or any fees. I did not receive certified mail. Because I was hospitalized repeatedly, any certified mail would have been returned to sender. In XX/XX/XXXX, Kia Finance attempted to repossess the vehicle from XXXX XXXX XXXX, but the tow company refused to release the vehicle. This confirms that Kia Finance did know the vehicles location and attempted recovery. XXXX XXXX XXXX now claims they no longer have the vehicle. Kia Finance now states they can not locate the vehicle and that I owe the full balance of approximately {$61000.00}. At no point did Kia Finance, the dealership, or the tow company contact me by phone, email, or mail regarding the tow, storage, repossession, or any fees. I was medically incapacitated and unable to manage the situation. I did not hide the vehicle, abandon it intentionally, or obstruct repossession. This is also in despite to the additional XXXX, manufacturer 's, etc. insurances that I purchased because they were recommended, even though I had it fully insured.

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 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint is a follow-up to CFPB Case # XXXX, which was closed without adequately addressing Citis actions after being notified of a misdirected wire transfer. On XX/XX/year>, a wire transfer of {$40000.00} was sent from XXXX XXXX XXXX to a Citibank account using an incorrect account number ( incorrect : XXXX ; intended : XXXX ). The beneficiary name ( XXXX XXXX XXXX ) does not match the receiving account holder, confirming that this is a misdirected payment.Wire Confirmation Number : XXXX XXXX XXXX XXXX submitted multiple recall requests to Citibank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Citi responded to the prior complaint by stating that it has no responsibility, but this response only addresses the initial processing of the wire and does not address Citis obligations after being notified of the error. This complaint specifically concerns Citis actions after notification. Citi has not clearly demonstrated whether it : Confirmed the status of the funds upon receiving recall requests Contacted the recipient account holder in a timely manner Requested or facilitated return of the funds Took any action to prevent withdrawal or dissipation of funds after notification Given that multiple recall requests were submitted, Citi had an opportunity to mitigate the loss but has not provided evidence of timely or reasonable recovery efforts. This lack of transparency and apparent inaction is the primary concern of this complaint.

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 2026-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion for maintaining multiple accounts on my credit report that I do not recall opening, applying for, or authorizing in any way, and I am formally requesting that they be blocked pursuant to my rights under 15 U.S.C. 1681c-2, based on FTC Identity Theft Report XXXX. XXXX filed on XX/XX/XXXX, which documents that beginning in XX/XX/XXXX I began receiving notifications that loan and credit applications were being submitted in my name without my knowledge, a pattern that is consistent with the accounts currently appearing on my TransUnion credit file that I have no recollection of, which include XXXX XXXX XXXX account ( No. XXXX ) opened XX/XX/XXXX showing a balance of {$1200.00} with a charge-off status and XXXX days late that I did not open or authorize, XXXX XXXX accounts opened XXXX XXXX with balances of {$82.00} and {$130.00} respectively that I have no recollection of, and XXXX collection account under XXXX XXXX XXXX ( account number XXXX ) with a balance of {$610.00} reported XX/XX/XXXX, the underlying debt of which I also do not recall authorizing and which is additionally the subject of active litigation in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, filed XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XXXX and under 15 U.S.C. 1681c-2 TransUnion is required to block all information a consumer identifies as resulting from identity theft within four business days of receiving an Identity Theft Report, which is not discretionary, and I am formally invoking that right now while preserving all remedies under 15 U.S.C. 1681n for willful noncompliance.

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 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have disputed the amount they were trying to collect and the debt was not true, I disputed the accounts and credit karma did an investigation and found, I was telling the truth and XXXX XXXX approved my dispute and found the company was not being truthful but it still shows up on my credit report

Company response to consumer: Closed with explanation