vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: WA

Complaint narrative:
i am filing this complaint regarding a collection account being reported be credence resource management that does not belong to me. The original creditor is XXXX XXXX XXXX reporting balance is {$1000.00} The date it appeared to have opened was XXXX XXXX. I discovered that the account on my credit report in XXXX of XXXX. This account is unfamiliar to me, and i have no knowledge of or responsibility for this debt. I did not open, authorize, or benefit from any account associated with this balance. This appears to be a result of either identity error, mixed file, or fraudulent activity. Despite this, the account has been reported as a collection, which is causing significant harm to my credit profile. I reviewed my credit report and identified this inaccurate account. I am formally disputing this account as not mine. Under the fair credit reporting act only accurate and verifiable information may be reported. Since this account does not belong to me i am requesting immediate deletion of this account from my credit report, written confirmation that this account has been removed from all reporting agencies, and that no further collection activity be pursed against me for this account. This is a serious reporting error and i expect prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
My mortgage payment keeps going up and up they knew that I was on a fixed income but that doesnt seem to matter Ive adjusted my insurance already but they keep saying my escrow shortage I feel like they keep raising my mortgage to force me out of my house

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I was the victim of a sophisticated phishing and social engineering scam in which individuals impersonated XXXX security. I received an email stating there was suspicious activity on my account and was instructed to call a phone number. The individuals I spoke with identified themselves as XXXX representatives and transferred me to what they described as their security team. Under the belief that I was working with legitimate XXXX personnel, I was instructed to move approximately {$8400.00} into a XXXX wallet to protect my funds while they investigated. I followed these instructions under false pretenses. The funds were subsequently removed, and I no longer have access to them. I have reported this to XXXX, and they have stated the matter is under investigation, but no resolution has been provided. Additionally, my account is now showing a deficiency balance of approximately {$900.00} related to this incident, which I dispute as it directly resulted from fraud. This transaction was not a legitimate or informed authorization but was the result of impersonation and deception. I am requesting a full investigation, assistance in recovering the lost funds, and removal of any deficiency balance associated with this fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Please confirm in writing once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I received a letter in the mail from XXXX XXXX notifying me of a new credit card application under my name and social security number with instructions to contact them if the applicant was not me. It was not me, so I contacted XXXX XXXX and reported the account fraudulent. The customer service rep stated that the fraudster applied for a credit card using my social security number and first name/last name but used a different date of birth, and a XXXX address and phone number. XXXX XXXX sent me their " affidavit of identity theft '' form to complete and return. The only records they have provided regarding the fraudulent account is a list of transactions made by the fraudster from XXXX. I reported the identity theft and fraud to local law enforcement ( XXXX XXXXXXXX XXXX Sheriff 's Department - case XXXX ). As soon as the Federal Government reopened, I also submitted an Identity Theft report at XXXX ( FTC report number XXXX ). I completed and signed XXXX XXXX 's ID theft affidavit and returned it to them, as instructed ( mailed XX/XX/year> via XXXX with confirmed delivery XX/XX/year> ). Along with their affidavit, I also sent copies of the FTC and XXXX XXXX Sheriff 's reports, a copy of my North Carolina drivers license and recent bill- both showing my current mailing address in North Carolina XXXX and a letter requesting all records relating to the fraudulent account that I am legally entitled to under the FCRA section 609 ( e ). As of today, I had not received any correspondence from XXXX XXXX about the investigation outcome or records I requested. This afternoon, I called XXXX XXXX 's fraud department and the customer service rep said they closed the account and ruled " in my favor ''. I asked about my request for records under FCRA 609 ( e ). She confirmed they had received my written request but that they will not provide records to me or to the sheriff without a subpoena. She placed me on hold twice to ask someone higher up than her about providing the requested records and said they confirmed that I must have a subpoena for records. The only thing she could send is copies of the monthly statements, which I should receive in about XXXX days. This fraudster continues to use my SSN to apply for credit with other lenders and I need these records to legally stop him from doing so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Unauthorized Credit Inquiries and Improper Data Sharing XXXX Services Complaint Against : XXXX XXXX XXXX XXXX. and associated lenders I am submitting this complaint regarding serious inaccuracies and unauthorized activity on my XXXX consumer report. After reviewing my XXXX report dated XX/XX/year>, I identified a large number of credit inquiries from multiple lenders, many occurring within minutes of each other on the same day. I want to clearly state that the ONLY account and lender I have authorized is Possible Finance, which is accurately reflected in my report as closed/paid with a positive payment history. I did NOT authorize any of the other lenders or inquiries listed on my report, nor did I consent to having my personal information distributed to multiple third-party lenders. The pattern and volume of these inquiries strongly indicate that my personal information was either : Shared or distributed without proper authorization Used through a lead-generation or loan marketplace system without informed consent Accessed by third parties without a permissible purpose under the Fair Credit Reporting Act ( FCRA ) This raises serious compliance concerns under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am submitting a formal complaint regarding my treatment at the Truist XXXX branch in XXXXXXXX XXXX on XX/XX/year> at approximately XXXX AM. I visited the branch to obtain a cashiers check and provided a valid XXXX XXXX ID. During this routine transaction, the employee assisting me ( a young white male, name beginning with M ) asked a series of personal and unrelated questions that were not necessary to complete the transaction. Specifically, after reviewing my ID, he asked : * Whether I was leaving the city or coming back * How long I had lived in XXXX XXXX * Whether the branch was close to where I live, referencing my apartment complex by name * What I do for work * Where I attend school This line of questioning was invasive, unrelated to the service I requested, and made me feel singled out. Given the nature of the questions and the context of the interaction, I am concerned that I was subjected to profiling and discriminatory treatment. It also appeared to be an abuse of position, as these questions were asked while I was dependent on the employee to complete my transaction. I complied with providing valid identification, and no explanation was given for why this additional questioning was necessary. I am requesting : 1. A formal investigation into this interaction, including review of any available surveillance footage 2. Clarification of Truists policies regarding ID verification and customer questioning 3. A determination of whether employee conduct in this instance complied with those policies 4. Appropriate corrective action if misconduct or policy violations are identified Please treat this matter as a formal complaint and escalate it to the appropriate department. I expect a documented response. If this matter is not addressed appropriately, I am prepared to escalate this complaint to federal regulatory agencies, including the Consumer Financial Protection Bureau, for further review.

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 2026-04-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had a Bank America account under EDD debit card, somebody hacked My account Withdraw with XXXX XXXX {$15000.00} in less than XXXX days from XX/XX/year> till XX/XX/year> total of XXXX, But Bank of America have not solved this problem claim # XXXX, # XXXX And they denied my claim over and over, I found the police report and did what I could on my behalf, I claim to Bank America but Bank America refused to pay me back, This is putting a hardship on me and my child, please help me my account number with BOA was XXXX I try several time to solve this with bank america but they Denied my claim, My dad also try to talk and solve the problem with Bank America but with no Result, He has the power of attorney for my financial account, This name is XXXX XXXX same as my address Phone # 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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am writing in response to your recent attempts to collect an alleged debt. To date, you have failed to provide any competent evidence that I have a legal obligation to pay this debt. Your continued collection efforts without proper validation are not only improper but may constitute violations of federal law. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), I formally dispute this alleged debt in its entirety and demand full validation. Be advised that I am requesting strict proof, not a mere statement or summary. Specifically, you must provide the following : The name and address of the original creditor The full account number associated with the alleged debt A copy of any contract, agreement, or instrument bearing my signature A complete accounting of the alleged debt, including all fees, interest, and charges Proof that your agency is authorized to collect on this debt Proof that the debt has been legally assigned or transferred to your agency Additionally, under the FCRA, you are prohibited from reporting or continuing to report this account to any credit reporting agency without first conducting a reasonable investigation and verifying the accuracy of the information. If you have already reported this account without proper validation, you may be in violation of federal law. Take notice : until you provide the requested validation, you must cease all collection activity, including phone calls, letters, and credit reporting. Failure to comply will result in me pursuing all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. If you can not provide the requested documentation, you are required to immediately cease collection efforts and remove any references to this account from my credit file. This is not a refusal to pay, but a notice that your claim is disputed and validation is required. I expect your full compliance within XXXX days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of the above-referenced account and a demand for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), and the Tennessee Consumer Protection Act ( TCPA ). I previously disputed this account ; however, JEFFERSON CAPITAL has failed to provide sufficient documentation to validate this alleged debt while continuing to report it on my consumer credit report. As a debt buyer, JEFFERSON CAPITAL must provide competent evidence of the alleged obligation. To date, the company has failed to provide such evidence, and continued reporting of this account raises serious concerns regarding compliance with federal and state law. Specifically, the company has failed to : Provide a copy of the original signed contract or agreement bearing my signature Provide complete account statements from the original creditor Provide a valid chain of assignment proving ownership of this debt Provide documentation showing the date of first delinquency Provide a full and accurate accounting of the balance being reported Provide proof of legal authority to collect this debt Under 15 U.S.C. 1692g ( b ), you are required to cease collection activities until proper validation is provided. Additionally, under the FCRA, you are prohibited from reporting information that is not fully verified and accurate. JEFFERSON CAPITAL has failed to proprly validate this account and is therefore reporting unverified and potentially inaccurate information. Because of this failure, I am demanding the following : 1. Immediate deletion of this account from all consumer reporting agencies 2. Written confirmation of deletion. 3. Cessation of all collection activity related to this account Until proper validation is provided, you must : Cease all collection efforts Refrain from verifying or re-reporting this account Avoid any misleading representation regarding this alleged debt I do not consent to telephone communication. All communication must be in writing. This complaint is being documented and may be submitted to the Consumer Financial Protection Bureau, the Federal Trade Commission, and other regulatory agencies for further review if this matter is not resolved promptly. Failure to comply may constitute violations of federal and state law. I expect an immediate resolution to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NJ

Complaint narrative:
On XX/XX/, I used my Cash App XXXX XXXX to make a purchase from XXXX XXXX XXXX in the amount of {$290.00}. The item purchased was an XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The merchant never shipped or delivered the item. The order status still shows Waiting for details and lists XXXX XXXX XXXX, but there is no tracking number, no carrier scan, and no proof of delivery. I disputed the transaction with Cash App as merchandise not received. Cash App denied the dispute, stating that the merchant fulfilled its obligations. I then appealed and submitted supporting screenshots showing the order was still not shipped and had no tracking or delivery confirmation. Cash App denied the appeal and stated its original decision was correct. I also requested proof of shipment, tracking information, proof of delivery, and the evidence relied on to deny the dispute and appeal. Cash App did not provide that information. My complaint is that Cash App failed to properly investigate this dispute and allowed the merchant to keep my money without proof that the item was shipped or delivered. I am requesting a full refund of {$290.00} and disclosure of the evidence used to deny my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My card is expiring end of this month. Thought it was strange that I havent recieved my new one yet and I called. Come to find out my account is being closed. 10 years and now when times are the way they are hard to make it day to day and everything so expensive and I still managed to remain on time and in good standing when it came to paying ny obligations. This closing will shatter the little bit of credit I do have. Inconsiderate and unprofessional to do this with no update or alert.

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 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
In XXXX, I submitted a complaint to PNC regarding the difficulty of reaching their customer service. When they finally contacted me, I requested that my escrow account be removed. PNC is now attempting to charge me a fee for this removal, a fee that was never disclosed at closing, nor disclosed when they acquired the account. If such a fee had been properly disclosed, there would be no issue providing documentation. The lack of disclosure strongly suggests an improper attempt to retain my escrow balance while charging an additional fee. I have reviewed both RESPA and TILA guidelines, and there is no provision that allows PNC to impose this fee. My closing documents likewise do not include any mention of charges for escrow removal. PNCs continued delay in responding despite my prior CFPB complaint has created significant urgency, as my next mortgage payment is due, additional funds are being deposited into the escrow, and my taxes are approaching. I demand a prompt resolution and clear explanation of this fee, as their current inaction appears to disregard regulatory guidelines and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding , LLC, through its agent Resurgent Capital Services, is attempting to collect an alleged debt originally from XXXX XXXX XXXX. On XX/XX/XXXX, I sent LVNV Funding/Resurgent Capital Services a written debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I followed up with additional written validation requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, because no proper validation was ever provided. Despite receiving multiple validation requests, the company continued collection activity without first providing verification of the alleged debt, which is required by law. Specifically, LVNV Funding/Resurgent Capital Services continued to report and repeatedly update the alleged debt on my credit reports with XXXX and XXXX on the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At no point during this time did the company provide proper debt validation, documentation, or verification demonstrating that the debt is accurate, owed by me, or legally collectible. Under 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activity, including credit reporting, until proper verification is provided after a timely validation request. Continuing to report, update, or attempt to collect the debt while ignoring the validation requests constitutes unlawful collection activity. As a result of this conduct, I have experienced stress, lost time repeatedly disputing this matter, and potential harm to my credit profile. I am filing this complaint because LVNV Funding/Resurgent Capital Services has failed to comply with federal law, ignored multiple written requests, and continued collection activity without validating the debt.

Company response to consumer: Closed with explanation