vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/year>, a wire transfer of {$10000.00} USD was credited to an unintended JPMorgan Chase account due to a one-digit entry error. The intended recipient account was XXXX. Due to the error, funds were sent to account XXXX instead which is NOT business edge consulting XXXX. A recall was immediately initiated. JPMorgan Chase processed the recall under Investigation ID XXXX, reference XXXX. The recall was correctly filed against account XXXX the account that actually received the funds not against the intended recipient. According to JPMorgans own documentation, they reached out to the beneficiary/correspondent bank multiple times but received no response. Chase closed the case on XX/XX/year> with no funds returned and explicitly with no indemnity. Notably, this was a BOOK transfer meaning both accounts involved are held within JPMorgan Chase itself. There is no external correspondent bank. JPMorgan had direct access to both accounts at all times and chose to take no further action beyond sending messages. No freeze was placed. No escalation was taken. No indemnity was provided. This does not meet the standard required of a receiving bank under UCC Article 4A. I am requesting JPMorgan Chase reopen Investigation XXXX, place an immediate hold on account XXXX, and facilitate the return of {$10000.00} USD to the originator. The account holder of XXXX has no legal right to retain funds received in error. Their non-response does not extinguish the originators right to recovery under applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I bought a cologne and it came defective and broken. I submitted a dispute and it went through as defective item but then 30 days later they changed into a fraud case and it made me lose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 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: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-04-15 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: CT

Complaint narrative:
I am a federal student loan borrower serviced by MOHELA. In XX/XX/year>, I submitted a Public Service Loan Forgiveness ( PSLF ) reconsideration request and, as of today, I have not received any update, decision, or meaningful communication regarding the status of my request. This prolonged delay has caused significant uncertainty and concern regarding my eligibility for PSLF and the accuracy of my qualifying payment count. I have made good faith efforts to comply with all PSLF requirements and submitted the reconsideration request in a timely manner. The lack of response or transparency from MOHELA has made it difficult to plan financially and understand the status of my loan forgiveness progress. I am requesting a full review of my account, an immediate status update on my PSLF reconsideration request, and written confirmation that my qualifying payments and eligibility are being accurately tracked and processed. Given recent concerns and reports regarding MOHELAs handling of borrower accounts and PSLF processing, I am requesting prompt attention to this matter to ensure my account has not been adversely affected.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I am filing this complaint regarding an invalid and improperly reported collection account that has caused damage to my credit. In XX/XX/year>, i applied for an apartment with XXXX XXXX XXXX XXXX ( With my mother as co-applicant ) and was formally approved in writing. The approval clearly outlined amount due at move-in, not prior to approval. Based on this approval, I submitted payment in good faith. After accepting my payment, the company reversed their approval and denied me housing, while also refusing to return my funds. i never took possession of the apartment, never occupied the unit, and never recited any services or benefits of a lease agreement. Despite this, the account was sent to Columbia Debt Recovery and is now being reported to the credit bureaus as a valid collection account. This in improper for the filling reasons : I was denied tenancy after approval and funds were sent AFTER approval. There is no valid lease execution or occupancy. The original creditor failed to uphold their agreement after approval. This constitutes billing for services never rendered and unjust enrichment. The debt is not valid and should not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year>, I deposited a check in the amount of {$2700.00} into my account with Citibank. The deposit was later reflected as XX/XX/year>. The check was issued by the XXXX XXXX XXXXXXXX ( a government employer ) and drawn on XXXX XXXX XXXX. Since Monday, I have made multiple attempts to resolve this issue by contacting Citibank through different departments. I have spoken with customer service ( XXXX ), the fraud department ( XXXX ), and the executive response unit ( XXXX ). Despite these efforts, I have been unable to get a consistent or clear resolution. Initially, I was told that the hold was placed due to confidential information indicating the check would not be paid. However, I have since confirmed that the paying bank has already honored the check. After this, Citibank changed their explanation and stated that the hold was automatically placed by their system and can not be overridden by any department. Additionally, I was informed that I could not receive any partial credit for this deposit because it was made via mobile deposit. My understanding is that Regulation CC generally requires that at least a portion of a check deposit be made available within a specified timeframe, and I believe this refusal may be inconsistent with those requirements. These inconsistent and potentially inaccurate explanations raise serious concerns about the accuracy, transparency, and compliance of Citibanks handling of my deposit. If the check has already been paid by the issuing bank, there should be no legitimate risk justifying continued restriction of my funds. This situation is causing financial hardship, as I am unable to access my money for basic necessities. Given the conflicting explanations and the refusal to provide any portion of the funds, I believe Citibank may be in violation of the Expedited Funds Availability Act ( Regulation CC ) and request that this be formally investigated.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As a result of FRAUDULENT CHARGES, my card ending in XXXX was replaced with a new card ending in XXXX. Somehow, someone has been able to access this account and enter fraudulent mailing addresses, phone numbers and email addresses MULTIPLE TIMES! Sometime after the NEW card was received and activated, Capital One decided to DEACTIVATE the new card without advising me, the account owner ( because I had corrected the address AGAIN to my correct billing address as it has always been ). Capital One proceeded to require me to send them a copy of my electric bill and driver 's license to prove my address, even though I had been billed and paid from the same address for several years. On this date, XX/XX/year>, XXXX of Capital One called me with XXXX XXXX conferenced on the line and forced me to verbally go over all the address and account information on the electric bill, even though he had the bill right in front of him! After that, he advised me that the copy of the front and back of my driver 's license was unacceptable because both the front and back were on the same page! They must be on separate pages! It is only due to Capital One 's poor security that some unknown persons were able to access this account and enter bogus contact information not once, but TWICE and then make fraudulent charges to the account! Now, instead of investigating how that could happen, they are harassing me, the account owner!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
I am requesting assistance regarding a PSLF buyback request that has been pending for an excessive amount of time with no resolution. I have worked in qualifying public service employment and have made qualifying payments toward Public Service Loan Forgiveness for over 10 years. I have already reached 120 qualifying payments on some of my federal student loans. However, other loans were at 117 qualifying payments when processing delays and administrative pauses occurred. On XX/XX/XXXX, I submitted a PSLF buyback request in order to receive credit for eligible months where I would have had {$0.00} or significantly reduced payments based on my income at that time. It has now been over one year since submitting this request, and I have not received a decision or meaningful update. I have contacted my loan servicer multiple times by phone to request status updates. The most recent being XX/XX/XXXX. Each time, I was informed that my request is still pending due to processing delays, and that no additional information is available. As a result of this delay, I am now facing the possibility of re-entering repayment and making higher monthly payments based on my current income, rather than the income levels during the months being considered for buyback. This situation is causing financial harm, as I likely would have already reached forgiveness had my request been processed in a timely manner. Due to the extended delay in processing my PSLF buyback request, I have not been provided clear guidance on whether I should resume repayment at a higher monthly amount or temporarily defer or forbear my loans while I wait for a decision. This lack of resolution has created significant financial uncertainty and prevents me from making an informed repayment decision.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I am writing regarding an email I received on XX/XX/year>, stating that my SoFi Bank account would be closed immediately due to activity suggesting a violation of the SoFi Bank Deposit Account Agreement. After carefully reviewing my account activity, I am unable to identify any transactions that would constitute a violation. My usage has been limited to standard and legitimate banking activities, including check deposits, direct deposits from my employer, and payments to credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding an illegal attempt to collect a debt that was XXXX in my XXXX XXXX XXXX The alleged debt, associated with XXXX XXXX XXXX XXXX, was included in my XXXX and XXXX. Despite this, Credence contacted me via phone call attempting to collect this debt and directing me to make a payment. This conduct is a direct violation of the XXXX XXXX XXXX under 11 U.S.C. 524, which permanently prohibits any attempt to collect a XXXX debt. Additionally, this communication constitutes a violation of the Fair Debt Collection Practices Act, as the company is attempting to collect a debt that is no longer legally enforceable. I have not authorized any further contact, and this collection attempt demonstrates a failure to properly review bankruptcy records prior to initiating collection activity. I am demanding the following resolution : Immediate cessation of all collection activity Written confirmation that this account has been permanently closed Removal of any reporting related to this account from all consumer reporting agencies Confirmation that no further contact will be made regarding this XXXX debt This is a documented post-discharge collection attempt and I am prepared to pursue all available remedies if not resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing a complaint against * TransUnion * for failing to properly investigate and remove a " fraudulent account caused by identity theft ''. The account is of {$1500.00} as debt collection and fraudulent account. I submitted a dispute with an " XXXX FTC affidavit and police report '' on XX/XX/XXXX, but TransUnion did not provide proper verification, dispute results, or remove the inaccurate account today on XX/XX/XXXX with no dispute results and with no dispute opened. This account is " not mine '', and TransUnion is reporting it without valid verification, in violation of the " Fair Credit Reporting Act ( FCRA 611 ) ''. Attachments : '' FTC Identity Theft Affidavit, police report, credit report, previous disputes, current dispute.

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 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I officially confirm that I did not consent to or open the referenced accounts and do not acknowledge ownership. Kindly investigate completely and delete them once validated. Supporting materials are provided.

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 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I am filing a complaint regarding repeated and contradictory information provided by Exeter Finance representatives regarding my auto loan account, which caused financial harm and left me without clear understanding of my account status. I was first instructed by a representative that if I made a payment of approximately {$2400.00}, my account would be brought current and I would be good. Based on that information, I made the payment and regained possession of my vehicle. After making the payment, I was then told by another representative that this was not the case, that my account was still in default, and I was given a deadline to pay the full balance, which I was not able to meet. Concerned, I called again and spoke with representatives on XXXX separate occasions, and both times I was told that my account was current and everything was fine, and that I was not in immediate danger of repossession. However, I have now been told by a manager that : The account is charged off The prior information I was given was incorrect The vehicle can be repossessed at any time Payments are not being accepted This means I was given multiple, conflicting explanations about my account status, including being told I was current and good, and then later being told that none of that was true. Additionally, incorrect information about repossession status was communicated to a dealership, which caused a vehicle trade transaction I was attempting to complete to fall through. At this point, I have no clear or consistent understanding of : Whether my account is considered current or in default Whether repossession is active or imminent What actions, if any, I can take to prevent repossession Why I was instructed to make a significant payment that did not provide clear or lasting protection I relied on the information provided by multiple representatives when making a substantial payment and making financial decisions, and that information has since been repeatedly contradicted. Resolution Requested : I am requesting : Written clarification of my exact account status Clear explanation of repossession status and conditions Confirmation of whether a third party ( dealership ) can pay off the loan A full accounting of how my {$2400.00} payment was applied Appropriate resolution for the repeated misinformation that resulted in financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Today Wednesday, XX/XX/year> I received an email from Concora Credit indicating that someone had applied for a credit card to my name using my personal information. The email contained my correct name, address and email. I XXXX the company and the number online for the bank matched what was in the email which was XXXX. I called the company and was suspicious that the first thing it asked for when calling was my full social security number. After bypassing that section it then said, we are a debt collector company when it is supposedly a credit card company. After talking to multiple of their reps on the phone I dont believe they intend to cancel the credit card that was fraudulently opened on my name even though I begged them to do so. I explained to them I have a history of fraudulent activity associated with my social security number. I explained my credit is frozen with all credit bureaus and no cards should be opened to my name. In fact, my credit has been frozen for years with no new credit activity. Unfortunately they said they needed my social, my date of birth and much more to close this account even though I had the application ID number and gave them my address, name and everything else that was included in their original email. I tried to reason with the last person I spoke with ( XXXX XXXX the supervisor ) but other than assuring me that he was not a fraudster, he could not help me if I didnt provide all of my personal information. I also told him i would give him the information if I could record the call for my protection in case they ended up opening said card and he said I was not allowed to record any of their calls. By the way, our call was recorded on their end without regard to my consent. In the end I did not give him my DOB or full social ( just the last XXXX digits which should be more than enough ) along with the information their own email contained. I doubt they intend to take this report of fraud seriously. He said in XXXX to XXXX days they would inform me of a decision. I think its outrageous there is a decision to be made when fraud is involved and my credit has been frozen for years. This could greatly affect my credit report. I think this bank is shady and their customer service is unprepared to deal with the public. When dealing with people who have suffered great loss to financial fraud and identity theft, they should be prepared to investigate promptly.

Company response to consumer: Closed with non-monetary relief