vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I disputed this account with both the credit bureaus and the company. The company claims the account was verified ; however, they have failed to provide proper validation. I requested the original signed contract, complete payment history, and chain of assignment showing legal ownership of the debt. This information has not been provided. Despite this, the account continues to be reported on my credit report. They are reporting unverified or incomplete information is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: AL

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 explanation
Consumer complaint received 2026-04-10 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: TX

Complaint narrative:
XX/XX/year> I had gotten a new phone and changed my email and phone number so I was changing it on the Cash App account and then I borrowed {$260.00} and tried to transfer it over to my other bank account and it suspended my account and it said something about fraud I talked to Cash App support on the phone but XXXX not understanding why my account got suspended anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am writing to formally dispute multiple accounts that have been reported on my credit file, including those associated with XXXX and other companies that appear to have purchased alleged debts. I want to clearly state that I have no knowledge of these accounts, nor did I authorize any such accounts or transfers. Any claims that these debts belong to me are inaccurate and potentially the result of fraud or identity theft. These accounts were opened, transferred, or reported without my consent, knowledge, or authorization. I have never entered into any agreement with these entities regarding the debts in question, nor have I been properly notified of any such transactions prior to their appearance on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding an uncashed cashiers check issued to me on XX/XX/year>, in the amount of {$4800.00} ( Check No. XXXX/ Serial No. XXXX ). Wells Fargo notified me that this check was at risk of being transferred to the State of California as unclaimed property. I have since been told by Wells Fargo representatives that the funds were sent to the state. However, I have conducted multiple searches through the official California unclaimed property database and have been unable to locate these funds under my name or address. Wells Fargo has failed to provide : The exact date the funds were transferred ( escheated ) Any property or report ID associated with the transfer Proof or documentation confirming the transfer Clear guidance on how to recover the funds This lack of transparency is preventing me from accessing my funds. I am requesting that Wells Fargo provide documented proof of transfer, including the date, reporting details, and receiving agency. If the funds have not been transferred, I request immediate reissuance of the cashiers check or access to the funds. This matter involves a significant amount of money, and I expect prompt resolution.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am writing to formally report a fraudulent and unauthorized transaction on my Cash App account, which I have maintained for over XXXX years without any prior issues. On XX/XX/year>, at approximately XXXX, a transaction in the amount of {$580.00} was sent from my account to a user identified as XXXX without my knowledge or authorization. I did not initiate, approve, or benefit from this transaction in any way. I do not share my phone, account access, or card information with anyone, and I take the security of my account seriously. This transaction is clearly fraudulent, and I am unable to explain how it occurred. I am requesting an immediate and thorough investigation into this matter. Due to the unauthorized nature of this transaction, I expect a prompt reversal of the {$580.00} and full restoration of my funds. Please treat this as a matter of urgency. If this matter is not resolved promptly, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau and any other appropriate regulatory agencies. For reference, my Cash App username is $ XXXX. The phone number and email associated with my account are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TFS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Third Federal Savings and Loan denied a XXXX application based on a 57 % DTI ratio that was derived from demonstrably inaccurate data. Despite multiple attempts to correct the record over a XXXX period, the bank failed to apply basic accounting standards. Key Discrepancies : Data Integrity Error : The bank listed a recurring monthly debt ( XXXX XXXX ) at {$1000.00}, despite being provided with statements showing the actual obligation is {$200.00}. This {$800.00} discrepancy was acknowledged but took days to correct. Methodological Error ( Rental Income ) : The bank is counting 100 % of the mortgage liabilities for XXXX investment properties while excluding 100 % of the documented rental income ( $ XXXX ). This " double-counting '' of debt without the associated income offset is a departure from standard industry practices. Lack of Transparency : The bank has refused to provide a copy of the underwriting worksheet or a line-item breakdown of the DTI, XXXX me from exercising my right to dispute the accuracy of the information used for the credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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:
So Ive been with Chase bank for close to 7 years. Never had any issues of any sort. I have used this betting app from time to time or certain occasions. I lost my debit card XX/XX/year>. So debit transactions and online transactions from XXXX bet were not Authorized by me. I believe they turned me down due to the amount being {$15000.00}. And the fact that Ive used the app prior so it must be me. Ive also recently opened up a business account with Chase too. Or they believe that they had my IP address as for those apps use that. Which is why I think my account was hacked and they have a way of using my IP address and making those transactions. Not entirely sure but the only thing I can assure is that I am missing {$15000.00} and Chase Bank and XXXX XXXX are giving me a hard time and have already closed the claim. Really need your assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting a formal dispute under FCRA 611 regarding multiple inaccuracies on my credit report. I recently reviewed my credit file and identified several issues, including inaccurate account reporting, incorrect personal information, and unauthorized credit inquiries. Specifically, there are accounts being reported with incorrect balances, statuses, and/or payment histories that do not accurately reflect my records. In addition, certain personal information listed on my report appears to be outdated or incorrect, which may be contributing to further reporting errors. I also identified several inquiries that I do not recognize and did not authorize. These inquiries may be the result of unauthorized access or improper reporting practices. Upon discovering these issues, I took immediate action by reviewing my records and initiating this dispute to request a thorough investigation. I am requesting that all inaccurate, unverifiable, or unauthorized information be corrected or removed in accordance with my rights under the Fair Credit Reporting Act. Please ensure that all furnishers verify the accuracy of the reported information and update or delete any items that can not be properly validated.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: AL

Complaint narrative:
SUNRISE CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT is a debt collector. They are falsely reporting on my credit!! Account number iXXXX XXXX XXXXXXXX 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 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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
On XX/XX/year> I received an email stating that my application for the Revvi credit card was denied. By this time I had already paid the upfront program fee that is asked before you can open or use their card. ( I have not received there card yet ) Account was never open or used as its been denied. I have spoke with them twice on the phone and they told me that a refund has been initiated and allow XXXX business days. It has been and still nothing. Last time I spoke with them was on XX/XX/year> and when I asked them for the XXXX number for the refund. They told me that they do not have it. Please help. Thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: GA

Complaint narrative:
Date dispute was submitted : XX/XX/XXXX Claim number : XXXX Merchant Name : Cash App I have attached my police report which I filed on XX/XX/XXXX to go along with my claim. Since being with Cash App the only device that should be on file and making transactions is my XXXX XXXX since XXXX when my account was established. On the morning of XX/XX/XXXX I was woken up out my sleep with notifications going off and when I woke up it was too late I had been signed out of my account and a android phone was signed in and was able to fraudulently take out {$750.00} dollars and while I was in the process of disputing this transaction another person by the name XXXX XXXX was trying to take out a transaction of {$490.00} but could not succeed with the transaction due to this XXXX XXXX person had already taken everything that at was in my account. I have provided screenshot to show the transaction. Not sure when my claim would be considered denied when I have taken all the steps to prove my case. I have been told to allow XXXX business days from XX/XX/XXXX to get a status of my claim and informed as of XX/XX/XXXX it was in the speciality Department and to allow XXXX business days as of today it's been 13 days with no progress! I am very disappointed and becoming furious with the timing of this claim when you all confirmed you can see where I was logged out of my own account which you guys should be keeping people accounts secure and safe from something like to this happen is very concerning! Please could you send me the requested documentation along with a status of my claim. Cash App response today after I sent a email requesting they provide me with documentation of their investigation prior to my email when I called to get an update they was informing me to allow XXXX business days now all of a sudden they came to a resolution stating I paid out the amount of {$750.00} to XXXX XXXX. This is not true! I am a victim of a fraudulent transaction that I did not authorize!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: MI

Complaint narrative:
I was asked to confirm my identity. I did. The next day my savings and checking account were frozen. They claimed do to it being flagged by their fraud department. Over the past over XXXX years I have contacted them many times asking for my money or access to the account, a reason, a time frame etc. they will not answer any questions other than to ask me to stop wasting their time asking for help to get my money. This began in XX/XX/XXXX. I last spoke with them in approximately XXXX of XXXX. I am not even able to log into my accounts to see the balances. It's only a few XXXX dollars but the money is mine. When they froze my account without warning it caused extreme financial hardship for me. It was all the money I had left for the following weeks, plus because my direct deposits went there and it was close to the end of the month I went through XXXX and part of XXXX without pay as well. No bills paid. No way to buy food or diapers. It was a living XXXX nightmare. They say the accounts are closed but I get email notices about monthly statements I can't access. The bank was Money Lion and if been using them for my bank for about a year at that point.

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 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Nelnet issued a Form XXXX for a student loan account, which I was required to report as taxable income on my XXXX federal tax return. The XXXX reflects a cancellation date of XX/XX/XXXX. Despite this, Nelnet continues to report the account as active and in forbearance on my credit report. This creates a clear inconsistency : The debt is reported as canceled as of XX/XX/XXXX The XXXX was not issued until XXXX The account is still being reported as active Additionally, this account is not being reported by XXXX, which raises concerns about inconsistent and inaccurate reporting across credit bureaus. I have attempted to resolve this issue but have not received a clear explanation or correction. This inaccurate reporting is negatively impacting my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On the XXXX of XXXX chase bank responded that they have credited my account with {$40000.00} on the XXXX of XXXX, and that they are going to send a cheque to me which I have not received till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I am submitting this complaint regarding the unexpected closure of my Robinhood checking and investment accounts, which occurred without clear explanation or prior warning. I value my relationship with Robinhood and have always aimed to follow all applicable terms and guidelines. To my knowledge, I did not engage in any activity that would violate account policies, so the closure has been both confusing and concerning. I have attempted to seek clarification but have not received a clear explanation. I would greatly appreciate any information you can provide to help me understand what led to this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: GA

Complaint narrative:
On XX/XX/year> my XXXX XXXX account had a fraudulent withdraw of approximately {$1500.00}. I filed an investigation with my credit union and I was unable to be reimbursed the funds. So I proceeded to close that account and establish a new account. Fast forward to XX/XX/year> I received a notification from my Chime account about my monthly statement. I checked my Never Used Chime account and noticed that a {$1500.00} transaction was made to someone I do not know, has no valid Chime account or is saved in my contacts ( which also proves I do not know this person ). I noticed that the card used to deposit funds is the XXXX XXXX account that I closed due to fraud for the amount that was deducted from that account I proceeded to freeze the card and call Chime to report the error. The agent informed me that if will take XXXX days to complete the investigation. After submitting my evidence of the funds being transferred from my account without my authorization, on XX/XX/year> I received an email. This email stated that the investigation was closed and the funds will not be returned. How can an accurate investigate take place within less that 24 hours? I proceeded to call Chime to gather further information about the results of the dispute. The agent said that I will have to prove that the funds were taken without my authorization and it can not be the information I already submitted. I told her, I submitted all the information I had. She then told me that I would have to file a police report about the matter or provide information that I was at work or somewhere proving that I was unaware the funds were deducted from my account fraudulently. Im a federal government employee, I can not prove I was at work due to not being able to obtain that information without involving my job. Secondly, how will that prove my innocence when everyone has a smart phone and can conduct daily functions with in 2 minutes. This is ridiculous to have to go through obstacles to obtain funds that I did not authorized to be withdrawn and transferred to someone I do not know from an account that was never fully established or used. I will be providing all the documentation showing when the funds were deducted from my account, sent to my chime account and then transferred to a stranger who doesnt even own a Chime account. I hope someone can help me fix this issue so I can obtain my missing funds. Once this issue is cleared, I will terminate my Chime account. I no longer will be utilizing services from a company that has poor communication, poor ethics, terrible security as a financial institution to ensure the protect of the publics funds and horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RESOURCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: AL

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I am filing a complaint regarding an unresolved dispute with a purchase financed through Affirm. I used Affirm to finance an order from XXXX. The tracking shows the order as delivered, however the delivery photo provided by the carrier is not my house and does not match my address. I did not receive the package. I have contacted the merchant and attempted to resolve this issue through Affirm multiple times ( approximately 4 disputes ), but each dispute has been denied in favor of the merchant despite the delivery evidence not matching my actual address or showing proof of correct delivery. At this point, I believe the delivery was incorrectly marked as delivered to the wrong location, and I did not receive the item I paid for. I am requesting a full review of this case and a reversal of the charge.

Company response to consumer: Closed with explanation