vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TX

Complaint narrative:
They called my father and gave him a case # and I called and they would not give me information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
I am writing to dispute the closure of my credit card account due to alleged returned payments. I made XXXX payments within XXXX months in good faith. XXXX payment was returned because my bank had an internal block that was not removed properly. This was not due to insufficient funds or negligence on my part. Despite this being a banking error outside of my control, my credit card account was closed citing XXXX returned payments. I believe this action was unfair and inaccurate. I talk to my back chime and they see they had the block on corcora credit but they cant give me the documents and the block payment was supposed to last XXXX days and when I called in to ask was it still on there they said no but on XX/XX/year> they took it off and the payment went through

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On my loan, i was double billed for XX/XX/year>. Ever since this point Santander claims the account is past due XXXX days. This has effectively destroyed my credit. I have never missed a payment and have always been current. The app always shows I need to me a double payment but that is incorrect. I've tried to make payments over the phone but it was never properly applied to the loan. So now every month, I must drive XXXX mins away to a Santander branch, because they closed all of the ones locally, to make this payment. Still, never at any point was a payment missed. They refuse to fix it or give me an answer even after several disputes and calls. They even now have stolen money from my checking account all while still claiming the payment is behind.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I am the owner of a small, singlemember psychiatric practice, XXXX XXXX XXXX. XXXX charged my business for services that were not delivered and continued billing despite service failures. My bank flagged multiple XXXX charges as potentially fraudulent. At the banks direction, I disputed those charges, and the bank reimbursed them. I continue to dispute additional charges for the same reason : services were not provided as represented, and the conduct forced me to change my practice address shortly after opening. Despite my written termination requests, formal disputes, and the banks reversal of charges, XXXX continued to treat the amounts as valid debt and escalated the same disputed balances to internal collections ( XXXX XXXX ) and multiple thirdparty debt collectors, including Caine & Weiner and other collection entities. All collectors were aware or should have been aware that the alleged debt was disputed and tied to fraudulent or improper billing. Nonetheless, collection activity continued through repeated emails, threats of escalation, and demands for payment without providing adequate validation. This conduct has been directed to me personally as the owner of a small healthcare practice and has caused prolonged disruption, stress, and interference with my ability to operate my practice. I do not owe this debt and am requesting that all collection activity cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: SC

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 non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I called MOHELA on XXXX, XXXX XXXX, on or around XXXX XXXX. ( PST ) .The IVR said hold times are over fifty ( 50 ) minuets ( I have the phone call recorded as evidence ). This is egregious. I had to abandon the call because I can't wait on the phone that long. To contrast, I then called XXXX and the hold time was less than two ( 2 ) minuets. MOHELA is the worst federal student loan servicer. I seek to hold MOHELA accountable. Please ameliorate your excessive hold times.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE 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 non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I requested to close 18 CDs on Saturday, they've only closed 10. Yesterday, I called to close five more. They haven't closed 13 of the accounts I've requested closed and I need access to my money.

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 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: HI

Complaint narrative:
I had a XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) at a XXXX on or about XX/XX/XXXX. My XXXX I had at the time should have covered it. Some time later ( apparently on or about XX/XX/XXXX ) some entity calling themselves XXXX began contacting me and claiming that I owed {$1600.00}. A letter I received from XXXX dated XX/XX/XXXX listed this amount and claimed I owed it since XX/XX/XXXX. This letter, with XXXX Account # : XXXX, came from the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I responded by enclosing {$0.00} with a note stating : This has been going on far too long. Stop contacting me or l will take legal action against XXXX. XXXX XXXX XXXX XXXX was mailed to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I did some research on XXXX XXXX and found many similar complaints against this company ( cases where people were notified of a debt they did not owe. ) Theyve since stopped sending letters but I see now that it is listed under factors affecting ( my ) XXXX XXXX from XXXX XXXX XXXX XXXX. This so-called debt is listed as Collection/Chargeoff under payment status with a date of XX/XX/XXXX under date updated. Other pertinent information noted here include : Additional Information Responsibility Individual Remarks Placed for collection Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To the best of my knowledge I do not owe this amount. My insurance has paid for the event in full and Ive received no correspondence from them that would implicate me in actually owing and not paying this amount to XXXX XXXX. I refuse to pay a single XXXX to XXXX XXXX and instead choose to implicate XXXX XXXX as a scam. I am XXXX of many as anyone who may choose to research similar matters to this online would clearly see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: FL

Complaint narrative:
This dispute involves a {$50.00} loss due to systemic security and XXXX failures by XXXX XXXX. XXXX. Initial XXXX ( XXXXXXXX XXXX ) : The original card was found to be fully drained upon receipt. Transaction history showed the funds were spent in XXXXXXXX XXXX while the card was physically in my possession in XXXXXXXX XXXX. This was a clear case of " gift card draining '' due to the company 's inadequate packaging/security. XXXX. Technical Failure of Replacement : After a replacement was issued, I followed the company 's instructions : I first called the automated line, which directed me to the website. The website ( XXXX ) repeatedly returned server-side error codes XXXX and XXXX, then told me to call the phone number. I called back and after enduring an extraordinarily circuitous automated system, I was able to set a PIN. The system confirmed activation, but then immediately reported a {$0.00} balance with XXXX transaction history. This confirms a provisioning failure where the funds were never loaded onto the new ledger. XXXX. Obstruction of Funds : Despite the clear evidence of their own system errors and the prior cross-state fraud, the company refused to assist me over the phone and instead demanded photos of my government ID via email. I refuse to provide sensitive biometric data for a {$50.00} retail product. The companys support is a non-functional loop designed to prevent access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally notify you that the Capital One account currently being reported under my name is fraudulent and was opened without my knowledge or authorization. I have never opened or authorized any account with Capital One. This account is the result of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission and am prepared to provide documentation upon request. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681s-2, you are required to investigate and remove any information resulting from identity theft from my credit file. I demand the immediate removal of this fraudulent account from all credit reporting agencies.If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau and pursue all available legal remedies.Please confirm in writing that this account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in 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 2026-02-24 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A person tapped into my bank account and made an online order not authorized made a purchase on XXXX XXXX I received notice from XXXX XXXX of debt collection I never signed up for XXXX XXXX I personally have no account there. I told my bank they gave me credit then took it away and gave the money to XXXX XXXX because I didnt make a police report at the time I was defrauded and have no funds to get a form notarized when this issue occurred and I was referred to make complaint to FTC I am a XXXX person I was defrauded and Bank of America and XXXX XXXX defrauded me as well as the person using my information to set up an account and used it to make an online purchase This is identity theft and fraud I reported incident to my bank and they defrauded me by giving them the money XXXX XXXX was also directly informed yet they pushed it and got money from my bank BofA I seek compensation for the funds BofA gave to XXXX XXXX even after I reported the incident

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 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: TN

Complaint narrative:
I have been trying for more than XXXX weeks to have Klarna " verify my identity '' to make a gift card purchase. Despite providing them with my driver 's license, they claim they are unable to verify my identity. I filed a complaint, which they failed to respond to. Therefore I have requested that they delete my account but now they have refused to delete my account due to the unresolved complaint. I requested that they close the complaint so I could close my account but they have refused. I have spoken to their chat agents multiple times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/year> at XXXX I moved funds from my XXXX XXXX to my chime account. The funds never arrived but on XXXX XXXX it shows it went through and was cleared but on chimes end they are stating they cant find the transaction and refuse to see the receipt I have from XXXX XXXX when I contacted chime and spoke to an agent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
My card was locked contacted the company and they stated that there were fraudulent transactions on my account. We went over the transactions advised that Im not aware of these transactions. I have never had issues with this company so checking my balance multiple times a day isnt something that I do. There is over {$700.00} in fraudulent transactions on my account and they are telling me they have to have XXXX days to investigate then an additional XXXX days then and additional XXXX days. I need my money back before then. I didnt authorize these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this complaint regarding Chimes handling of my unauthorized transaction dispute. On XX/XX/year> and XX/XX/year>, transactions totaling {$1100.00} were processed on my account by a merchant identified as XXXX XXXX. On XX/XX/year>, I received a fraud alert from Chime for {$140.00}. I immediately responded XXXX to the alert and contacted Chime the same day to report the transactions as unauthorized. I disputed the transactions immediately and provided documentation, including correspondence from the merchant stating that no account exists under my information. Despite reporting the fraud promptly and submitting supporting evidence, Chime denied my claim on XX/XX/year>, stating that no error occurred. These transactions were not authorized by me. I complied with all reporting requirements and responded immediately to the fraud alert. I am requesting that Chime : Conduct a proper reinvestigation under Regulation E Provide documentation supporting their denial Reimburse the unauthorized transactions I believe Chime has failed to properly apply federal consumer protection laws governing unauthorized electronic fund transfers. I am requesting assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I am submitting this complaint to address Banco Popular de Puerto Ricos repeated failure to conduct a reasonable investigation and its ongoing refusal to produce evidence after issuing a final determination. On XX/XX/year>, I submitted a claim regarding unauthorized transactions. On or about XX/XX/year>, Banco Popular issued a written letter stating that the investigation had been concluded and that no error occurred. That letter expressly advised that I had the right to request copies of the documents relied upon to reach the determination. Since that date, I have submitted multiple written requestsby mail and electronicallyrequesting the evidence supporting the denial, including merchant documentation, internal investigative records, and third-party communications. To date, Banco Popular has not produced any of the requested evidence. Despite having issued a final determination, the bank later represented to federal regulators that no active investigation existed at the relevant time, which directly contradicts its own written correspondence concluding the investigation. Additionally, Banco Popular has a documented pattern of delaying the provisional crediting of disputed funds for extended periods, in some cases exceeding XXXX to XXXX months, in violation of applicable federal statutes. This complaint is not related to account closure. It is based solely on the banks failure to conduct a reasonable investigation, failure to provide evidence after concluding an investigation, and failure to comply with federal procedural requirements. I respectfully request that the CFPB review XXXX XXXX investigation practices, its refusal to produce evidence after issuing final determinations, and its compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation