vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
We have requested original contract and payment history on account. None has been provided just a statement showing the debt. I am certain this is due to fraud and I have file a fraud affidavit and submitted to the collector but they have ignored the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: Halsted Financial Services, LLC.
State: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: MI

Complaint narrative:
I have frozen my credit at all XXXX credit agencies due XXXX continued fraudulent activity surrounding identify theft. However this month XX/XX/year> I noticed a major decline in my XXXX XXXX, upon investigating I was able XXXX see that XXXX XXXX has filed a negative collection against me for what appeared XXXX be a XXXX account in the state of PA. Being that I do not own, rent, or reside in any property outside of the state of MI I disputed the claim with all XXXX credit agencies and proceed XXXX contact XXXX XXXX explaining the account was not mine and requesting they provide all of the required information, to which they refused XXXX only threatened me XXXX made requests of my personal information. They have still failed XXXX remove the claim from my credit reports XXXX have not provided any of the requested information XXXX date. This has resulted in my XXXX XXXX dropping from over XXXX XXXX around XXXX, all while I am attempting XXXX purchase a new automobile. XXXX opened the account with false information XXXX XXXX XXXX has violated my rights in threatening me XXXX attempt XXXX collect on a debt they have been notified is not mine XXXX a result of fraud via email and via phone call, they were aware of the credit agency disputes when I spoke XXXX them but still would not provide the required information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I paid my lien from SANTANDER BANK over two months ago. I contacted the DMV to get my title and they told me that they were unable to release it because SANTANDER has not released it in the system. SANTANDER BANK has mailed me and also emailed me the lien satisfaction paperwork, but apparently in the system they have not took their name off of my title and so the DMV is unable to send me my title even though its already been paid off two months ago. I have made over three appointments to the DMV and I have called SANTANDER BANK over two months every week just for them to give me the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: NY

Complaint narrative:
Statement : I am reporting identity theft involving the unauthorized use of my personal information to open a credit account. In XXXX 2026, I received a welcome letter from Capital One regarding a credit card account associated with XXXX XXXX XXXX. I did not apply for, open, or authorize this account. Immediately upon receiving the letter, I contacted Capital One and reported the account as fraudulent. I requested that the account be closed and flagged for fraud and was informed that the matter would be handled. They never sent me a letter to confirm this and I trusted that it would be handled. Weeks later, I received a billing statement showing a balance of {$1100.00} on the same account. I contacted Capital One again and spent over an hour on the phone attempting to resolve the issue. Despite clearly stating that this account is fraudulent and not mine, I was informed that they are refusing to close the account at this time. I have never used this account, made any purchases, or authorized any transactions. This account was opened without my knowledge or consent. Additional Concern : I am concerned that my personal identifying information has been compromised and may be used for further fraudulent activity. I am also concerned about potential damage to my credit and the possibility of additional unauthorized charges. Request : I respectfully request that this report be documented as identity theft. I will use this report to provide to financial institutions and credit reporting agencies to dispute and remove this fraudulent account and to prevent further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: NY

Complaint narrative:
I am disputing a {$2600.00} debt reported by Rent Recovery Solutions nad original creditor XXXX XXXX. Prior to moving out in XX/XX/year>, I proactively contacted the landlord to ask whether any early termination penalty or buy-out fee would apply. I was explicitly told that no additional payment would be required, as they already had a new tenant ready to take over the unit. I was also willing to pay any applicable fees if required. Although I moved out on XX/XX/year>, I still paid the full rent for XXXX which was {$1800.00}. After returning the keys, Any damage-related and remaining charges was fully deducted from my security deposit, and I did not receive any portion back. This indicates that any repair or cleaning costs were already deducted and settled at that time. After this, I received no further communication, no final statement, and no itemized breakdown of any additional charges. However, several months later, in XX/XX/year>, a {$2600.00} collection account was reported under my name without any prior notice. I have since requested validation of this debt, including : - A final move-out statement - A record of security deposit disposition statement - A signed agreement demonstrating my financial responsibility of this amount of {$2600.00} - A full itemized breakdown of charges - Proof that any balance was communicated to me after inspection and prior to lease termination The company has failed to provide this information. This situation is highly concerning, as it contradicts the original statement that the account was settled in full and that no further payment was required. This collection account is now negatively impacting my ability to secure housing despite otherwise qualifying. I request that it be investigated and removed from all credit reporting agencies immediately. I am seeking a prompt and fair resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Mitigation Services, LLC
State: CA

Complaint narrative:
The Company called RRS has called my number, texted, and email several times per day. They have now resorted to contacting people I know like my dad to harass them about my debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: TX

Complaint narrative:
I disputed XXXX charges on my XX/XX/XXXX Citi Advantage credit card, totaling {$170000.00}. These charges were for a re-booked flights on XXXX XXXX, originally booked on XXXX XXXX in XX/XX/XXXX. The credit for the original price was to be on the XXXX cycle of my credit card bill. The credit did not show up. XXXX XXXX has confirmed that no re-booking occurred and the original tickets are in place. Citi Cards has denied all XXXX disputed charges stating the vendor stated services were provided by them. ( XXXX XXXX XXXX XXXX ). We have responded to the decision by disputing the decision by Citi Cards and requiring them to reopen the dispute and conduct a real investigation and process the credit. We spent over 2 hours on XX/XX/XXXX trying to talk to the correct department. When we finally got to " Billing Disputes '', we asked for a supervisor. XXXX hung up after we started describing the issue. We have sent in all the XXXX XXXX printed documents to Citi Cards with the stated credit amount of {$19000.00}.

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 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a {$2800.00} fraudulent transaction that is part of an active police investigation for felony theft by deception. I XX/XX/XXXX submitted my dispute on XX/XX/year>2026. Cash App denied the claim on XX/XX/year>2026. I immediately filed an appeal the same day ( XX/XX/XXXX ), which was denied again on XX/XX/year>2026. I submitted a XX/XX/XXXXappeal on XX/XX/scrub> 2026. Since that date, I have not received any updates, communication, or resolution. It has now been over XX/XX/XXXX days with no response. Given the seriousness of this case, including law enforcement involvement, I am extremely concerned about the lack of timely investigation, communication, and resolution from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. cXXXXe XXXX ( XXXX ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declre that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC XXXX ( XXXX ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: TX

Complaint narrative:
I noticed unauthorized recurring debit card charges from a merchant labeled XXXX Records on my account with Chase Bank dating back XXXX XXXX. I called immediately XXXX I noticed, XXXX XXXX I spoke with hung up on me after I expressed I was not happy with the outcome. XXXX XXXX assisted me best she could but mentioned she does not have the authority XXXX move forward with the reimbursement so she coordinated a meeting with the XXXX. Which the XXXX said his decision is XXXX not reimburse me. Confirming they have the ability too but are choosing not too, I did not approve nor did I know these charges were occurring. These are unauthorized electronic fund transfers under Regulation XXXX. Chase has acknowledged the transactions but refused reimbursement based on internal policy, despite this being an ongoing unauthorized billing pattern. I am requesting a full investigation XXXX reimbursement of all related charges. I was not informed of the policy until this issue. Informed them moving forward I will make it a habit XXXX review my statements XXXX prevent this issue happening again but they mentioned its a final decision XXXX not reimbursed me which I believe is unfair. Hoping XXXX recover the XXXX of $ $ I lost.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding an invalid collection account reported by Credence Resource Management on behalf of XXXX Prior to this account being sent to collections, I contacted XXXX customer service multiple times to confirm my account status after switching services. On each occasion, I was explicitly informed by an XXXX representative that I did not owe any outstanding balance. The dates of these communications are as follows : XX/XX/year> XX/XX/year> XX/XX/year> Based on these conversations, I reasonably relied on the information provided by XXXX that my account had a zero balance. Despite this, the account was improperly referred to collections and is now being reported on my credit file. This reporting is inaccurate and has caused harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Immediate investigation into the validity of this account 2. Verification of the alleged debt with the original creditor ( XXXX ) 3. Written confirmation of the findings 4. Immediate deletion of this account from all credit reporting agencies if the debt can not be fully substantiated If this matter is not resolved promptly, I will pursue additional complaints and remedies available under federal and state law. I request a timely response and resolution. Sincerely, /s/ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding the handling of my request for a goodwill adjustment by American Credit Acceptance. In XX/XX/2025, my mortgage payment unexpectedly increased by approximately {$600.00}. This created a temporary financial hardship that caused several of my bills, including my auto loan, to fall behind. As a result, a XXXX late payment was reported on my credit report. Since that time, I have resolved the hardship, brought the account current, and have continued making on-time payments. This was a one-time occurrence and does not reflect my overall payment history. I contacted American Credit Acceptance to request a goodwill adjustment based on this temporary hardship and my current good standing. However, my request was denied with a general response stating they could not alter accurate information, and it does not appear that my situation received an individualized or meaningful review. I am not disputing the accuracy of the reporting. I am requesting that my situation be fairly considered for a goodwill adjustment due to the temporary and resolved nature of the hardship. I respectfully request that this complaint be reviewed and that American Credit Acceptance reconsider removing this one-time late payment as a gesture of goodwill, given my current payment history and efforts to remain a responsible customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am getting emails from Nelnet. I have no proof of a loan being serviced by Nelnet. I have reached out to them via certified mail multiple times requesting proof of account, account numbers, account balances, and payment amounts. All I get are threatening emails. I have never received any of the information I am entitled to. Now they are threatening default and garnishment. They have also dinged my credit by more than XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
In XX/XX/year>, I contacted Apple Card customer service to request a payment deferral due to job loss and was approved for an initial deferral. I was instructed to contact them again in XXXX to continue the deferral. In XX/XX/year>, I followed those instructions and contacted Apple Card to request continuation of the deferral. However, a required payment disclosure was not sent, which as Goldman Sachs later confirmed in writing, caused my request to not be completed. As a result, my account became 30 days past due and a delinquency was reported. I later brought the account current under the XXXX program. This delinquency resulted from a servicing error rather than consumer inaction. I have documentation confirming the failure to send the required disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting XXXX improper collection activity. A collection agency, Caine & Weiner, is reporting a debt originally from XXXX XXXX on my credit report. This debt XXXX became delinquent in XX/XX/XXXX. I filed for Chapter XXXX bankruptcy in XX/XX/XXXX, and my case was a no-asset case. Because this debt existed prior to my bankruptcy filing, it should be considered XXXX. Despite this, the collection agency began reporting this account in XX/XX/XXXX. Reporting a XXXX debt constitutes an attempt XXXX collect XXXX is a violation of federal law. Additionally, the Date of XXXX Delinquency is being reported incorrectly as XX/XX/XXXX instead of XX/XX/XXXX, which inaccurately extends the reporting period. I am requesting immediate deletion of this account XXXX an investigation into this improper reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I have XXXX Vanilla Visa gift cards given to our family during a medical emergency to help. XXXX is {$500.00} and the other is {$400.00}. Both cards were in their packaging and were intact with no signs of damage or tampering. All numbers are legible. I have tried to activate the {$400.00} card ( not the {$500.00} card yet ). On the website I keep getting the following error message : " A system error has occurred. To use the website properly, make sure you are accessing it from within the United States and not using a VPN. If you still have issues, try using a different device and ensure you are logging in with the correct card details. '' Im not using a VPN. I have tried XXXX and safari with my laptop on various trusted wifi networks ( hospital, home, work ), and using my cell phone disconnected from the wifi. I have tried to report a problem and the Vanilla Visa website tells me to login when I am already logged in and I am redirected to a page for activating the card with no login options. I have tried calling, and because the card starts with the number XXXX, every time I try to enter the card number on the phone, it activates the phone tree for option XXXX. There is no way to talk to a live person. I can not find an email address. The card will not work in a XXXX XXXX XXXX store.

Company response to consumer: Closed with explanation