vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: FL

Complaint narrative:
I am submitting a complaint regarding Klarnas handling of a XXXX purchase made using a Klarna one-time card at XXXX, with an outstanding balance of approximately {$290.00}. 

The purchase was for a service scheduled for XX/XX/year>. On XX/XX/year>, XXXX XXXX XXXX contacted me by phone and canceled the service prior to the scheduled date. I provided call logs showing incoming calls from XXXX XXXX XXXX on XX/XX/XXXX. No written cancellation confirmation or email was provided by XXXX. 

I promptly notified Klarna and opened a dispute. Klarna acknowledged the dispute and paused my statement, stating the pause would allow time for resolution with the merchant. Klarna later requested written documentation of the cancellation, which did not exist due to the cancellation occurring verbally by XXXX. 

Klarna advised that if no refund was registered within a specified timeframe, the statement would resume. Without providing documentation that the merchant substantiated the charge or that the service was rendered to me, Klarna automatically resumed billing, marked a payment as failed, and later escalated the balance to a third-party collection agency. 

Prior to the escalation, I had already made payments toward this transaction despite the service being canceled and never rendered. 

I disputed the debt with the collection agency InDebted and requested validation. The collection agency failed to validate the debt and ceased communication. 

Despite this, Klarna continues to treat the balance as valid, restricts my account, and provides no documentation showing that the dispute they acknowledged and paused was ever properly resolved. 

I am not refusing to cooperate. I am disputing Klarnas failure to resolve a dispute they acknowledged and paused before resuming billing, retaining payments for a service not rendered, and escalating the account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Moneytree Inc
State: NV

Complaint narrative:
I visited a Moneytree location to cash a personal check written to me by a friend to help pay my rent. I arrived shortly before the stores closing/cleaning time.

The employee at the front desk performed a verification but did not clearly explain what system was used or why the check was declined. It appeared she made a discretionary decision without providing any documentation, written reason, or opportunity for clarification.

As I was still present inside the store, the employee turned off the lights and effectively rushed me out after declining the check. This made me feel dismissed and treated unprofessionally.

I understand that a business may decline to cash a check ; however, customers should be treated respectfully and provided with basic information regarding the decision. Turning off the lights while a customer is still inside is inappropriate and unacceptable conduct. 

I am requesting that Moneytree review this incident, explain their verification process, and address the employees conduct to ensure customers are treated professionally and with respect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: CO

Complaint narrative:
I am requesting immediate closure of my First Access XXXX Credit Card account. The companys terms and conditions are unclear, and I have serious concerns about the legitimacy and security of the website. I have been unable to reach a representative despite repeated attempts. The Contact Us link only leads to a downloadable PDF with a toll-free number, and no direct customer support is available.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
None of the information on my account matches. Its stating I owe a payment of over $ XXXX with over $ XXXX being past due. XXXX states thats is incorrect and I am current. Every time I call StudentAid.gov, I am speaking to someone different and get a different story. No one is ever on the same page. I requested to file a complaint through student aid.gov and XXXX, I was referred to the ombudsman group. I submitted a packet of information via mail and it was returned to me via return to sender. I called StudentAid.gov when I received the mail back and was given a fax number. I tried to fax my documents XXXX times and the faxes did not go through. I called back to student aid.gov and they told me to file a complaint via the feedback system. I originally did that several months ago and was told within XXXX hours that my account was correct, which it is not per XXXX. I have requested my account to be formally reviewed by the ombudsman group again for a second time XX/XX/XXXX and still have not heard anything. I do not know who to contact in regards to my account, but my lender XXXX is telling me that my student loans qualify for forgiveness as I have more than enough certified employment. Student aid.gov tells me I do not, because some of the months I was on deferment or hardship. However, to my knowledge, I was always on an income driven repayment plan. I also applied for the save program in XX/XX/XXXX, which put me into an automatic deferment. I also requested a buyback at the advice of XXXX several months ago and have yet to hear anything in regards to that as well.Additionally, some of the loans on students.gov state employment not verified, but when I look all of my employment is accounted for during those months. I would appreciate it if I could have some assistance in trying to get a formal review of my account by the ombudsman group or someone else as I do not have very much faith in student aid.gov at this point. This issue has been going on since XX/XX/XXXX. Nothing has been changed or reviewed. The number of payments that qualify for forgiveness has been XXXX since XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US bank closed down XXXX of my Business account about a month ago along with my XXXX XXXX checking account with no reason, no explanation and no refund of funds. This has caused my Business a huge loss of Income. 

Today XX/XX/year> They also blocked and closed my personal checking account ending in XXXX. When I called they advised the fraud dept needed to verify a transaction with money gram fro XXXX. I advised that it was me and I have done plenty of XXXX transfers to my account with XXXX. THe US Bank rep by the name of XXXX advised that a letter was sent over a month ago for the reason and a refund check. I advised I never received anything and they have the wrong address. I have a PO BOX as mailing for safety reasons.

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 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent credit reporting by Exeter Finance / Exeter Finance LLC concerning the same auto loan account appearing on my XXXX XXXX XXXX XXXX consumer reports.

Exeter is furnishing materially inconsistent information across consumer reporting agencies for the same account, which raises serious concerns regarding the accuracy, reliability, and standardization of its reporting. 

Specifically : XXXX. The account is reported under different names and formats, including Exeter, Exeter Fin, and Exeter Finance LLC, and is inconsistently classified as an auto loan versus a generic installment account depending on the credit bureau. 

XXXX. The number of potentially negative months reported for this account is inconsistent across bureaus. XXXX reports XXXX negative months, XXXX  reports XXXX negative months, and XXXX  does not display a comparable negative month count at all. The same account, with the same dates, should not yield different delinquency totals. 

XXXX. XXXX  reports that no payment history is available for this account, while XXXX  and XXXX  display detailed month-by-month delinquency histories. If payment history is unavailable or incomplete, then the delinquency data being furnished to other bureaus XXXX not be verifiable or accurate. 

XXXX. The account status descriptions vary across bureaus, including differing terminology related to charge-off, settlement, and post-charge-off activity, which creates confusion and misrepresents the true status of the account.

These inconsistencies suggest that Exeter Finance is not furnishing uniform, complete, and reliable information as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I received an escrow analysis statement stating that my account was - {$27000.00} and my mortgage payment will increase. My payment went from {$970.00} to {$2300.00} due to my Insurance Premium increasing from XXXX to {$16000.00}. My insurance agent couldn't explain why my policy increased significantly. The only answer given was that my file was transferred to his office from one that closed down. I have been in my home 30 years. 
Shellpoint forwarded me a new escrow analysis statement when I switched to another insurance company with a lower premium. My monthly payment is still not affordable for me due to me being on XXXX now.

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 2026-01-14 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: OH

Complaint narrative:
On XX/XX/year>, I sent a payment through Cash App to my landlords son for rent. The payment was completed successfully and shows as received on Cash App. 

After the payment, the recipient told me that his Cash App account was locked and that Cash App informed him he would be unable to withdraw the funds for XXXX years. Based on my research and follow-up calls with Cash App, this explanation does not appear to align with Cash Apps policies. 

Since that time, I have repeatedly contacted Cash App to dispute the transaction and request clarification. Instead of resolving the issue or returning the funds, Cash App has given me inconsistent responses and failed to provide a clear explanation for what happened to the money. 

Additionally, my own Cash App account was later accessed by an unauthorized individual in XXXX. As a result of this unauthorized access, Cash App permanently locked me out of my account and has refused to restore access, even though I reported the activity as fraud. 

Cash App has not : Returned the funds Provided documentation explaining why the payment was not reversed Properly investigated the unauthorized access to my account Restored access to my account or provided a reasonable resolution I am requesting that Cash App : 1. Conduct a full investigation into the recipient account and the disputed transaction 2. Provide a written explanation for why the funds were not returned 3. Restore access to my Cash App account or issue a refund for the disputed payment 4. Comply with consumer protection obligations regarding account takeover and unauthorized access This matter involves potential misrepresentation, failure to safeguard consumer accounts, and improper handling of a fraud dispute. 


his cash app name is XXXX XXXX my cash app name is XXXX XXXXXXXX my name is XXXX XXXX my phone name is XXXX XXXX XXXX his phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
Recently I mailed a letter requesting verification of inaccurate account reporting on my credit report that your bureau maintained on XX/XX/year> I received a response stating that the account were verified on XX/XX/year> I'm formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ).

To be clear, per FCRA 611 ( a ) ( 2 ) ( b ). Your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute.

I'm requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( XXXX ) XXXX XXXX XXXX XXXX FCRA you are required to provide me this information within 15 days or delete the negative items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XXXX. XXXX, XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Inaccurate Credit Reporting TransUnion XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information appearing on my TransUnion credit report. This dispute is submitted pursuant to the * * Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681, 1681i, and 1681s-2 * *, which require consumer reporting agencies to maintain maximum possible accuracy and to reinvestigate disputed information. 

XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX TransUnion is reporting a * * late payment for XX/XX/XXXX * * on my XXXX XXXX mortgage account. This reporting is * * factually incorrect * *. 

The XX/XX/XXXX mortgage payment was * * made on time and posted on XX/XX/XXXX * *, as confirmed by XXXX XXXX official payment notification. Reporting this payment as late misrepresents my actual payment history and violates XXXX duty to report accurate information. 

I request that XXXX  * * remove the inaccurate late payment notation * * and update the account to reflect * * paid as agreed * * for XX/XX/XXXX. 

XXXX. XXXX, XXXX. 

* * Account XXXX : XXXX XXXX XXXXXXXX TransUnion is reporting * * late payments and delinquency information * * on my XXXX account that is * * inaccurate and misleading * *. 

This account was * * closed in XX/XX/XXXX * *, and XXXX confirmed in writing that after the account was paid and closed, * * no further monthly payment performance would be reported to the credit bureaus * *. Any late payment reporting appearing after closure does not accurately reflect the accounts contractual status or reporting obligations. 

If TransUnion can not verify the reported late payments with * * competent evidence from the furnisher * *, the information must be * * corrected or deleted * * as required by law. 

Request for Reinvestigation Pursuant to * * 15 U.S.C. 1681i * *, I am requesting that TransUnion : XXXX. Conduct a reasonable reinvestigation of the disputed accounts listed above XXXX. Delete or correct any information that can not be verified as accurate XXXX. Provide written confirmation of the results of the reinvestigation XXXX. Update my credit file to reflect accurate payment history Enclosed are copies of supporting documentation, including my TransUnion credit report, XXXX XXXX payment confirmation, and XXXX account correspondence substantiating this dispute. 

Please complete this reinvestigation within the timeframe mandated by the Fair Credit Reporting Act. 

P.S. See attachments. 

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 non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Our company made a payment to a XXXX manufacturer for the purchase of front-end loaders intended exclusively for civilian and commercial use. The equipment is non-military, non-dual-use, and is not related in any way to defense, military, or restricted production. 

The payment in the amount of USD XXXX was made under a commercial contract with our XXXX partner. All underlying documentation clearly confirms the civilian nature of the transaction, including the commercial contract, invoice issued by the XXXX manufacturer, and supporting banking documents. 

On XX/XX/year>, the payment in the amount of USD XXXX was blocked. The XXXX reference number of the transaction is XXXX. Since that date, we have been unable to access, receive, or return the funds. 

JPMorgan Chase & Co. has blocked the funds ; however, JPMorgan Chase & Co. states that it does not see or hold the funds and has not provided any written confirmation of their status, location, or the legal basis for the restriction. 

At the same time, our bank, XXXX XXXX has officially confirmed in writing that the funds under XXXX reference XXXX are blocked at JPMorgan Chase & Co . Despite this confirmation, we remain unable to obtain any formal response from JPMorgan Chase & Co. regarding the status of the funds. 

In an effort to resolve this matter, we contacted the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX confirmed that it does not hold, block, or possess the funds and does not see the funds as being blocked by XXXX. 

Throughout this process, we have repeatedly and in full provided all documents requested by banks and authorities, including but not limited to : the commercial contract, invoice from the XXXX partner, XXXX payment messages and confirmations, prior correspondence, previous applications, and official confirmation from our bank that the funds are blocked at JPMorgan Chase & Co . 

Despite these repeated submissions and our full cooperation, we have been unable to obtain any clear explanation, formal response, or actionable guidance from JPMorgan Chase & Co. As a result, for more than XXXXXXXX XXXX XXXX XXXX XXXX we have been unable either to unblock the funds or to have them returned. 

As of today, no party has provided a clear and documented explanation of where the funds are currently held, who is legally responsible for the block, or what specific actions are required to resolve the situation. This prolonged lack of transparency and response has caused significant financial and operational harm to our company. 

We respectfully request written confirmation of the current location and status of the funds in the amount of USD XXXX under XXXX reference XXXX, a clear explanation of the legal basis for the restriction, confirmation whether any XXXX license is required, and a definitive procedure and timeline for releasing or returning the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: GA

Complaint narrative:
Account was paid off, but still reporting as late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Never received a document because I dont know this creditor dont owe these creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
For the first company they didn't try to help save my account that online banking on XXXXXXXX XXXX and citi bank I did mobile deposit and I didn't know on either account that my checks that they place on hold 2 of them were scams so along being the victim of scam these people have made mine accourdly to the bank policy my funds are now available and they keep telling I have withdarwa and by privacy and dafoolaws of letter I receive and my refences number I can with dradraw the fund and they refusing to do that with XXXX XXXX  or citi nank

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 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: De Lage Landen Finance, LLC
State: NY

Complaint narrative:
I am the XXXX  of XXXX XXXX XXXX. I entered into an equipment financing agreement with De Lage Landen Financial Services ( DLL ) in connection with the purchase of XXXX equipment supplied by XXXX. 

I timely submitted a formal written dispute to DLL concerning this financing, supported by extensive documentation. DLL acknowledged receipt of the dispute on XX/XX/XXXX and represented that the matter would be reviewed internally. 

While the dispute remained unresolved and under review, DLL issued a written threat of default and collection on XX/XX/XXXX, asserting that payment was immediately required and that the account was at risk of being defaulted. DLL has refused to clearly state whether payment enforcement is paused during the pendency of its review and has continued to apply collection pressure despite the unresolved dispute.

DLL has taken the position that all vendor-related issues are categorically irrelevant and that payment must continue regardless of documented concerns involving contract administration, servicing conduct, and representations surrounding the transaction. DLL has not issued any written determination resolving the dispute on the merits. 

I am requesting CFPB review of DLLs handling of this dispute, including whether threatening default and collection activity during an unresolved and acknowledged dispute constitutes improper servicing or unfair collection conduct.

Company response to consumer: Closed with explanation