vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Credence XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Re : Request for Debt Validation To Whom It May Concern, I am writing in response to your communication regarding an alleged debt. I formally dispute the validity of this debt and request full validation pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To date, you have not provided sufficient documentation to substantiate your claim. Under federal law, I am entitled to receive proper verification of this debt before any further collection activity continues or any information is reported to credit reporting agencies. Please provide the following : * The original creditors name and address * The full account number associated with the alleged debt * A copy of the original signed agreement or contract * A complete payment history, including any fees or interest added * Proof that your agency is authorized to collect on this debt * Verification that the debt is accurate and legally enforceable If you are unable to provide the requested validation, you must cease all collection efforts immediately and remove any references to this account from all credit reporting agencies as required under the FCRA. Additionally, if this account has already been reported to any credit bureau without proper validation, such reporting may constitute a violation of federal law. I request that you correct or delete any inaccurate or unverifiable information promptly. Please note that I prefer all communication regarding this matter be conducted in writing. I expect your response within 30 days of receipt of this letter. Failure to comply may result in complaints being filed with the appropriate regulatory agencies. Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank did a write transfer for me on XX/XX/XXXXXXXX XXXX XXXX. Within 2 hours I asked them to recall the wire. They said they asked XXXX XXXX XXXX to freeze the money pending fraud investigation. They said they would get back to me within a few days. Today ( XX/XX/XXXX ) they sent a letter telling me that my claim is denied. The wire transfer was to pay for a vehicle but I discovered it was a fraud within 2 hours after sending it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: TN

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint regarding the handling of an unauthorized fraud incident involving my Cash App account. My account was compromised and I suffered an unauthorized loss of approximately {$3000.00}. I reported the issue immediately after discovering the fraudulent activity and fully complied with all instructions provided by Cash App Support, including providing requested details and responding consistently throughout the process. Despite my full cooperation and repeated follow-ups over a period of approximately 34 months, I did not receive a meaningful resolution. Instead, I received repeated scripted responses indicating the issue had been reviewed without any detailed explanation of investigative steps, findings, or recovery efforts. After months of communication, my case was ultimately closed without resolution. I was informed that no new information had been provided, despite the fact that all requested information had already been submitted early in the process. I was also instructed to start a new support case, which resulted in the same repeated closure outcome. At no point was I provided : A detailed explanation of the investigation performed Evidence reviewed or transaction-level analysis A clear rationale for denial or closure Any attempt at recovery of the stolen funds This has left me without my funds, without transparency, and without a clear resolution process after an extended period of engagement. I am requesting : A formal review of this fraud claim by an independent escalation or dispute resolution team A detailed explanation of why the claim was closed without recovery Re-evaluation of the unauthorized transactions totaling approximately {$3000.00} Any possible remedy or recovery of funds, if available I have made good-faith efforts to resolve this directly with the company, but the matter remains unresolved. I am seeking assistance in obtaining a fair review of this unauthorized transaction and the handling of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: CO

Complaint narrative:
MOHELA failed to credit XXXX XXXX Loan Forgiveness grant payments totaling {$2200.00} transmitted by my third-party grant administrator ( XXXX ) between XX/XX/XXXX and XX/XX/XXXX. The missing payments are : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ), all {$550.00} via XXXX. XXXX cause : MOHELA 's platform migration ( late XXXX - XX/XX/XXXX ). Payments were sent to my legacy account but MOHELA changed my account number without notifying the payment sender. MOHELA 's own correspondence still used the legacy account number as late as XX/XX/XXXX. Mathematical proof using federal XXXX data : XXXX lifetime total ( {$8700.00} ) minus personal payments ( {$970.00} ) = {$7700.00} XXXX recorded, vs {$10000.00} sent -- gap is exactly {$2200.00} = 4 x {$550.00}. The gap divides by {$550.00} with XXXX remainder confirming exactly 4 whole payments missing. XXXX confirmed in writing ( XX/XX/XXXX ) : " The loan servicer has received these payments and is currently holding onto the funds. '' Timeline of failed resolution : - XX/XX/XXXX : First contact with MOHELA. No action for 10 months. - XX/XX/XXXX : MOHELA threatened credit bureau reporting while dispute was open. - XX/XX/XXXX : MOHELA set 90-business-day research deadline ( due XX/XX/XXXX ). - XX/XX/XXXX : Deadline expired. No result, no notification. - XX/XX/XXXX : Formal complaint filed. MOHELA promised expedited review -- no response in 24+ days. - XX/XX/XXXX : XXXX contacted MOHELA twice -- no response. MOHELA reported delinquency XX/XX/XXXX to federal XXXX while this dispute was already open for over a year. XXXX XXXX XXXX # XXXX filed XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bilt Technologies, Inc.
State: IL

Complaint narrative:
I applied for the XXXX XXXX XXXX on XX/XX/year>. On XX/XX/XXXX, I was asked to verify my identity, but the verification link only showed that my application was under review and did not allow me to submit any documentation. On XX/XX/XXXX, I received a denial stating my identity could not be verified. The notice stated I could request additional information within 60 days. On XX/XX/XXXX, I submitted a written request asking what information was used and what documentation is required to verify my identity. I also offered to provide identification. I have not received any response. I was never provided a functional method to complete identity verification, and my request for additional information has gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding a mishandled overpayment refund related to my auto loan with Toyota Financial Services. This issue has been ongoing since XXXX 2026 and remains unresolved as of XX/XX/year>. Since mid to late XXXX, I have made over XXXX phone calls to Toyota Financial Services and submitted at least XXXX cases through their online support center. None of these cases resulted in meaningful assistance. The cases were closed without resolution, and I was repeatedly instructed to contact other parties instead. An overpayment refund check ( Check # XXXX ) in the amount of approximately {$3400.00} was issued incorrectly. The check was sent to the wrong recipient and address, and was made payable to Toyota Financial Services instead of me, the rightful recipient. Because I am not the named payee, I have no legal ability to deposit, correct, or reissue the check. The issuing party XXXX XXXX XXXX XXXX XXXX has clearly confirmed that only Toyota Financial Services, as the named payee, can request any correction or reissuance of the check. Despite this, Toyota Financial Services representatives have repeatedly instructed me to contact the issuer myself, which is not possible and has already been rejected by the issuer. Additionally : * My auto loan account has already been closed. * Toyota Financial Services has stated they will not process the check. * No one has confirmed whether the check has been deposited, processed, or remains outstanding. As a result, my refund remains unaccounted for and inaccessible. I have repeatedly requested : * Confirmation of the check status * Proper reissuance of the refund in my name and delivery to my correct address * A clear timeline for resolution Toyota Financial Services has failed to provide this information or take appropriate action. This represents a serious failure in handling customer funds, a breakdown in internal coordination, and a failure to respond to multiple formal service requests. I am requesting that Toyota Financial Services : XXXX. Confirm whether the check has been deposited or processed XXXX. If not, directly contact the issuer to request reissuance in my name XXXX. Provide a clear timeline for resolution This issue requires immediate corrective action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I disputed a collection account from XXXX. XXXX XXXX related to AT & XXXX XXXX The company previously provided written confirmation that they would no longer pursue collection of this account and would request that it be removed from all credit reporting agencies. However, the account is still being reported on my credit report and has been marked as verified and updated after my dispute. This is inaccurate and misleading because the company already confirmed they would stop collection efforts and request deletion. Additionally, there are inconsistencies in the reporting, including invalid or inaccurate information that was not properly corrected during the investigation. I believe this is a failure to conduct a proper investigation and a violation of fair credit reporting standards. The company is continuing to report this account despite providing written confirmation that collection would cease and that the account would be removed, which I believe is inaccurate reporting under the Fair Credit Reporting Act.

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 2026-04-24 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for failing to properly block fraudulent information from my credit file despite receiving a valid Identity Theft Report. An account associated with XXXX XXXX Account ending in XXXX, reported date XX/XX/year> ) appears on my credit report that I did not open, authorize, or benefit from. This account is the result of identity theft. I submitted a formal dispute to TransUnion along with my FTC Identity Theft Report ( Report # XXXX ) and proof of identity, clearly identifying this account as fraudulent. Under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ), TransUnion is required to block the reporting of information resulting from identity theft upon receipt of a valid report. Please note that the XXXX report contains a known formatting issue that XXXX display reversed dates for fraud began and date discovered. This is a system-generated error and does not affect the validity of my identity theft claim. Despite receiving all required documentation, TransUnion has continued to report this account without blocking it, which indicates noncompliance with its obligations under federal law. This failure has caused harm by misrepresenting my credit history and interfering with my ability to access credit.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding an unresolved billing dispute and inaccurate credit reporting by Citi. In XX/XX/XXXX, I scheduled a telehealth appointment for XXXX XXXX. The provider joined approximately 20 minutes late. I informed the provider I had a hard stop at XXXX XXXX due to a work commitment. The provider became confrontational and stated he would charge my credit card. I clearly stated that I did not authorize any charge, as the service was not provided as scheduled and could not be completed within the remaining time. The charge was posted and I disputed it with Citi. Citi initially investigated and issued a permanent credit. My card was subsequently replaced. Several months later ( XXXX XXXX ), the same provider reprocessed the charge using the old card, and the charge was allowed to post to my new account. I contacted Citi again and disputed the charge. Despite the prior resolution and the unauthorized nature of the charge, Citi sided with the merchant. Since XX/XX/XXXX, I have contacted Citi numerous times to dispute this charge and request documentation supporting their decision. This has been an ongoing issue for approximately 34 months. Citi has not provided any meaningful documentation or transparency into their investigation, stating that they can not provide details because the account is now closed. Additionally, Citi is reporting this disputed charge as past due, negatively impacting my credit. This situation is unacceptable for the following reasons : - The charge was unauthorized and for services not rendered. - Citi previously recognized this by issuing a permanent credit. - Citi allowed the merchant to re-bill a disputed charge months later. - Citi has failed to provide documentation or transparency regarding their investigation. - Citi is reporting the account as delinquent despite the ongoing dispute. This has been a prolonged and unresolved issue, and I am seeking a fair 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 monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Since XX/XX/XXXX, Bank of America has owed me a refund of {$3800.00} due to the cancellation of a vehicle warranty. I have called them several times to request the refund, and : On XX/XX/XXXX, they told me that in XX/XX/XXXX, they had sent me XXXX checks totaling {$3800.00}, but I never received them. I told the representative that I hadn't received the checks yet, and her response was that she would schedule a direct deposit to my checking account, which I would see in approximately XXXX business days. Not XXXX business days passed, but 31 days, and I didn't receive the deposit. So, on XX/XX/XXXX, I called Bank of America again to demand the money they owed me. This time, they told me they had sent me checks in XX/XX/XXXX, but those checks haven't arrived either, and it seems I won't be able to get my money back. I've called Bank of America XXXX times and haven't received any response. They always tell me something different ; they acknowledge they owe me a refund, but they don't send my money. I also emailed them demanding the refund, but they haven't responded. I've visited XXXX branches in XXXX, but they tell me I have to resolve the issue by phone. Please, I need help resolving this issue. In addition to the money that is rightfully mine, I need Bank of America to compensate me for the delay and inconvenience caused. When I'm late making a payment, the bank charges me high late fees, so the bank should also pay interest when it's late in paying a customer 's money. I wrote this letter using XXXX XXXX because I only speak XXXX. If a representative calls me, I will need a 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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XX/XX/XXXX, I sent TransUnion a debt validation request, that was confirmed delivery on XX/XX/XXXX. In response, TransUnion stated that XXXX XXXX sold the det to Portfolio Recovery. However, I never received the proof from Portfolio Recovery of any validation that I have a legal agreement to pay this debt to their company or validation of ownership. Additionally, there is a significate discrepancy in the amount reported : Portfolio Recovery claims the amount owed is {$310.00} whereas XXXX XXXX states last reported amount is {$190.00} along with the date of opening showing that Portfolio Recovery states XX/XX/XXXX where XXXX XXXX has my billing cycle as XX/XX/XXXX. These inaccuracies and lack of ownership validation have harmed my credit report, and I request that CFPB investigate this matter and ensure proper correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
My credit cards at Citi bank were closed with no prior notice and no explanation why, and I was advise that since it was closed I didnt have a financial responsibility, I tried to double check with the cd I was using my cards normally, making my payments as required and XXXX day my account ya are closed, I was provided with no information as of why it was closed, XXXX representative mentioned that I had no accounts open with them and said that I didnt had to make payments due to closure of the accounts. Now I see it on my credit report affecting my habilite to get a credit

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 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint regarding an unverified debt being reported and collected by LVNV Funding LLC and Resurgent Capital Services. On XX/XX/year>, I sent a debt validation request via certified mail. It was received and signed for on XX/XX/year>. A second request was sent on XX/XX/year>. It was received and signed for on XX/XX/year>. Both requests were received, yet no validation has been provided. Despite failing to validate this alleged debt, the companies continue to report this account to the credit bureaus and attempt collection activity. This constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the account remains unverified and is being reported inaccurately. I am requesting the immediate deletion of this account from all credit reporting agencies and cessation of all collection activity. I have documentation to support my claims, including proof of certified mailing and delivery. I expect a prompt resolution to this matter.

Company response to consumer: Closed with non-monetary relief