vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
paid full amount of this debt in the amount of {$250.00} to original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I used a {$100.00} gift card at XXXX. They charged my account {$27.00} for a charge they said 'in case I had substitutions in my order and i would receive it back once my order was delivered. I called for a month to get my money back. They kept stating that Chase. My bank has it and hasn't released it to me. I finally disputed the charge with my bank. They sent me the credit and just took it back out today stating that XXXX refuses to refund me. They also said XXXX stated that I didn't have any cancelations, therfore I'm not owed any money. XXXX and Chase Bank have put my account negative because of this. XXXX owes me money and refuses to give it back. I didn't have any substitutions as they claimed to why the money was taken out. I want my money back from XXXX. Chase Bank allowed XXXX to fraudulently take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I received an email from XXXX on XX/XX/year> at XXXX. Halsted Financial Services , LLC is a debt Collector XXXX https : //halstedfinancial.com Requesting a debt I have no contracts with or account at all with. They are stating they purchased the debt on behalf of XXXX Bank. I debt was with XXXX Bank and No contract with Halsted Financial Services , LLC . No original sign documents with this company. Please have them remove all future and current contact and records off their data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HOME BANCSHARES, INC.
State: FL

Complaint narrative:
An XXXX small claims garnishment claim was sent to our bank, XXXX Bank in XXXX XXXX and immediately paid by the bank on XX/XX/year>. The XXXX claim only named me, and the account garnished is a joint account with my spouse. I also own an individual account at this bank. We were not notified of the two withdrawals of {$2100.00} and {$150.00} by our bank in any way whatsoever. I saw the withdrawals two days after the fact when I checked my phone app for our account balance. A copy of the garnishment claim came to our house on XX/XX/XXXX ; having been mailed from XXXX XXXX on the XXXX of XXXX. We went to our local bank branch on XX/XX/XXXX, meeting with XXXX XXXX, XXXX XXXX XXXX. In our meeting, we asked 1 ) if the proper legal paperwork for an out-of-state garnishment was filed ( XXXX domestication ), 2 ) why we were not notified by our bank regarding the withdrawals, and 3 ) why it was legal to remove funds from a joint account when both account holders were not named on the garnishment and while there was a single account in the garnishees ' name. XXXX XXXX spent most of the meeting staring at her computer, saying the internet was not working. She said the banks ' legal team had told them to pay the requested amounts. We were told we can not speak to the legal team. I left a list of our concerns with her so they could be given to the legal team to answer. We were also charged the banks ' garnishment fee of {$150.00} which we disputed as well, saying why would that not come out of the monies paid to the XXXX party sending the request? On Friday, XX/XX/XXXX, I called the XXXX XXXX XXXX main bank office, and the operator attempted to put me on the phone with our local office 's branch manager, XXXX ( no last name available when I asked ). The operator came back on the line and told me XXXX would not speak with me. I asked the operator to email XXXX XXXX to ask her to call me. Later that afternoon, XXXX XXXX called and said we needed to retain a lawyer in order to have the banks ' legal team provide answers, and it would only speak to our lawyer. No apologies were offered and we felt like we wronged our bank, which we have exclusively used for 10 years.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The collector failed to provide the mandatory 1681s-2 ( a ) ( 7 ) notice. Furthermore, they verified " the debt without the Original Signed Contract or Itemized Billing Statement demanded in my dispute so I am writing to formally dispute a collection account currently reported by LVNV Funding under Account # XXXXXXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, for failing to provide a mandatory dunning notice within five days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only one in my mentorship program to get denied for the $ XXXX startup loan. In the XXXX XXXX, under the standard set in XXXX v. Midland Credit Management, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activity ( including credit reporting ) until they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal debt parking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Synergetic Communication Inc
State: OR

Complaint narrative:
I am filing a complaint against Synergetic Communication , Inc. for disclosing my alleged debt to a third party without my consent. On XX/XX/year> the company emailed my mother and included my name, creditor, account/reference number, balance, and a settlement offer. This was not a request for location information and constitutes improper disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Trying to collect on something insurance has already paid! In which I had no dealing with this company, and don't see why I owe them anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My phone was stolen while I was incarcerated, and the individual who stole it used my phone to access my bank account without authorization. They changed account details and ordered a replacement debit card to a different address, which was then used to make fraudulent transactions. During the time these transactions occurred, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX and had no access to her phone or bank account which makes it impossible for me to have made the charges. A police report was filed, and I did not authorize any of these actions or transactions. I did not receive any merchandise or benefit from any of these transactions. Whoever stole my phone used it to change my address and order a card that was used to make these transactions that I had no knowledge of. Attached I am adding the police report again and the record from jail that shows I was arrested on XX/XX/XXXX and on XX/XX/XXXX they transferred me to another jail and I was there from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: MA

Complaint narrative:
Company charging me after they stated they closed my account and keep adding fees and reporting falsely in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: DC

Complaint narrative:
This company is reporting an inaccurate negative item on my credit file in violation of the FDCPA and FCRA. This inaccurate account is stopping me from purchasing a home for my family. They did not provide Written Notice. The FDCPA says that a debt collector must provide written notice of the debt within 5 days of the initial communication, including the amount of the debt and my right to dispute. I never received this notice. This is a direct violation of the FDCPA. They also failed to validate the debt. Lastly, this company lacks authorization and permissible purpose to report this account on my credit report. Under FCRA 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a credit report if there is a permissible purpose initiated by the consumer. I never authorized this company to access or furnish information about me. Without my consent or a legitimate business purpose, their reporting is unlawful. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I also have the right to demand a block of information resulting from alleged identity theft. Since I never authorized or entered into any agreement with this collector, I believe this tradeline qualifies as unauthorized. This debt collector is practicing deceptive and abusive collection tactics. The CFPB and FTC have identified debt parking ( placing debts on consumer credit reports without notice ) as an unlawful and abusive practice. I believe this is exactly what has taken place in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I have had a Robinhood account for 10+ years. Last week I transferred in {$4000.00} for the purpose of investing. They have frozen my account, are preventing me from transferring my money, and have refused to send my deposit back to the originating XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This entry indicates an unauthorized credit inquiry on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Laws that apply : * FCRA 1681s-2 ( b ) Must verify accuracy when disputed * FDCPA 1692g Right to debt validation * FDCPA 1692e Can not report misleading/inaccurate info

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
Jefferson capital claiming I owed a debt for XXXX XXXX I never have had an account with XXXXXXXX. Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX I disputed this information with XXXX who investigated and found it to be completely false. It was deleted off of their credit agency. Ive been dealing with identity theft for a long time health record, Social Security number, medical record, PII, in all my government assistance my payee for my XXXX. They are targeting me specifically in each place I have gone to do receive primary care or XXXX doctors or having a child in a hospital. Starting originally in XXXX of XXXX where one individual went into my records at XXXX XXXX XXXX XXXX in XXXX, Massachusetts for 45 minutes, taking all my information. Since then, I have had people using my Social Security number. I have records of claims that Ive never had people using it to go to 30 day rehabs, it had seven breaches extremely severe where they are in a settlement which it wasnt able to pursue due to my availability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I lost my job. Never missed a payment in XXXX plus years. They gave me a 3 month forbearance. I'm still unemployed. They were supposed to automatically review my loan for modifications without me needing to tell them too. Thats the FHA guidelines for anyone over 90 days delinquent or anyone coming to an end of a forbearance. I talked to them last week and I asked them to do it. I messaged them asking to apply for it. They're supposed to get back to me telling me they received it request in 5 days. They haven't. And they're supposed to have the review done in 30 days post request. I still don't know if they got my request.

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 2026-04-16 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: Velocity Portfolio Group
State: NJ

Complaint narrative:
This is the second if not third time Velocity Investments LLC keeps harassing me and sending solicitation to an address I dont live at which was explained XX/XX/year> on a complaint filed through CFPB. They have violated my rights based on - 15 U.S. Code 1692c - Communication in connection with debt collection states, this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate. Also, the inaccuracy reporting by XXXX and XXXX affects these challenges. Also, due to data breach and Code 15 USC 1681 these items should be removed. Including XXXX & XXXX being sued for putting wrong information on credit reports and refusing to change them once disputed. Along with XXXX data breach violation and lawsuits pending ; these actions and violation should be never done. These methods need to Stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX in the XXXX XXXX hour, someone added money to my Cash App account from my checking account. There were a total of XXXX transactions XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Moved to savings. After all transactions were made, XXXX was purchased with my money, {$630.00}, XXXX min later bitcoin was sold for {$610.00}. All transactions were made from a different phone and were made from California with no IP address. I contacted Cash App first thing in the morning after I saw what had taken place. I was in the chat which just kept putting me in a circle with generated responses. Finally I was told that there is an active investigation and it has been escalated. I have called several times and was told the same thing followed by a generated message that says I will hear something within XXXX days. I heard nothing so I called again same information but now it had been over XXXX days. I have contacted them several times with no new information, with assurance how important I am and how its still an active investigation. This was sent by a XXXX XXXX to my email. This is a lot of money to me and my family. I feel like nothing is being done and that I will just keep getting the same generates responses. Cash App has shown me terrible customer service, no response in XXXX days like they say, no updates as to what is going on with the investigation and have avoided any personal interaction, only generated messages. I have copies of all our chats, emails they have sent. I am an active consumer and spend a lot through their app on a regular bases. At this point I feel like I may need an attorney and to stop using the Cash App?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I am writing to formally complain about Capital One 's refusal to honor a specific promotional offer presented through the Capital One Shopping/Offers portal on my XXXX XXXX account. On XX/XX/year>, I activated a targeted offer for XXXX points for making a first-ever XXXX order. I strictly adhered to the promotional terms : I created a brand-new XXXX account ( using an email and phone number never previously associated with the service ). I accessed the merchant via the Capital One portal link. I completed a qualifying pickup order. Despite full compliance, Capital One has failed to credit the XXXX points. When I contacted customer support, they refused to honor the promotion, despite my possession of a screenshot of the offer. This appears to be a violation of the Consumer Financial Protection XXXX XXXX, which prohibits " bait-and-switch '' tactics and the denial of promotional rewards based on technical glitches or vague internal tracking. Furthermore, under the Virginia Consumer Protection Act ( where Capital One is headquartered ), advertising a service with the intent not to sell it as advertised is an unlawful practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
The company said I still owed XXXX XXXXXXXX in accrued interest after I made a payment of {$500.00} in XX/XX/year>. When I offered to make a payment plan that would work with my finances they said it was past that. So I told them I was refusing to pay after all their client locked me out of my account and I wasn't able to pay even after calling the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I financed a car about 4 years ago. Got into an accident with Insurance. I lost my job a week prior. A towing company towed my car. An I didn't have the money to retrieve my car or pay off the next monthly payment, or keep up with my insurance. I was XXXX in the far left lane after it was raining going XXXX miles per hour. The car ahead was slowing down merging towards the XXXX XXXX because of cones closing XXXX XXXX. Note there was no sign XXXX XXXX work ahead. Just cones. So breaking on so short notice I rear end the driver ahead. XXXX XXXX I was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Just going past the curve passing XXXX XXXX XXXX in 2022. 4 years later to day. I recieve a letter Attempt to Notify. From a company named XXXX XXXX XXXX XXXX, in XXXX XXXX, TX. With my name an address. Asking about coverage information over a unknown vehicle I owned for years ago. An my coverage had not been updated or expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: CO

Complaint narrative:
Since XX/XX/XXXX, I have been disputing a {$1400.00} charge for a sectional sofa ( Order # XXXX ) that was never delivered. Despite a " Signature Required '' mandate, the item was left unsecured in an open garage at a previous residence. XXXX has verbally admitted to a refund being owed on XXXX occasions but has failed to provide written confirmation. On XX/XX/XXXX, XXXX XXXX XXXX ( ID XXXX, XXXX # XXXX ) admitted the refund never processed because it was " not coded correctly '' in their internal system. Despite providing this information and multiple case numbers to Klarna, they denied my dispute and are continuing to collect payment for a product I do not have. Klarna has failed to exercise due diligence in investigating a documented merchant error ( miscoding ). I am being forced to pay for a high-value item that XXXX admits XXXX never successfully delivered or properly refunded. I have also filed a complaint with the Colorado Attorney General regarding this matter.

Company response to consumer: Closed with explanation