vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
Account XXXX XXXX XXXX XXXX : # XXXX XXXX unaware of this debit and did not have opportunity to dispute the account if you believe you sent proper notification please provide Certified Mail with receipt displaying my signature if not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint because Chase has failed to meet the standards of fairness and transparency mandated by the Consumer Financial Protection Bureau ( CFPB ). According to the CFPBs own mission, their role is to 'ensure that consumer financial markets are fair, transparent, and competitive ' and to 'reinforce compliance with federal consumer financial laws. ' Specifically, I believe Chase is in violation of the following : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Under the Consumer Financial Protection Act, it is unlawful for a bank to engage in unfair or deceptive acts. By freezing my funds for over 30 days, providing conflicting information through over 30 different representatives, and failing to provide a clear legal or factual basis for the freeze, Chase has engaged in practices that are both unfair and abusive to me as a consumer. 

Electronic Fund Transfer Act ( EFTA ) & Regulation E : The CFPB administers the EFTA, which requires financial institutions to conduct a 'prompt, reasonable, and timely investigation ' when a consumer contacts them about an account error or issue. Chase has failed to provide a timely resolution or a valid reason for denying me access to my own money.

Expedited Funds Availability Act ( Regulation CC ) : This law governs the holds banks place on deposits. Chase has exceeded reasonable holding periods without providing the legally required transparency as to why these funds are being withheld. 

The CFPB has previously taken enforcement action against institutions for 'unlawfully freezing accounts with faulty fraud detection programs and giving consumers little recourse. ' I am requesting that the CFPB exercise its enforcement authority to compel Chase to release my funds immediately and provide a full, transparent accounting of their actions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PCR Group
State: IN

Complaint narrative:
Upon requesting a copy of my most recent credit report, I noticed a claim by this company that I owe a debt. This is not a refusal to pay, but it is a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please respond to this request with evidence in support of your claim. 
Be advised that I am not requesting verification that you have my mailing address, I am requesting a validation, that is, competent evidence that I have some contractual obligation to pay you. 
You should also be aware that sending unsubstantiated demands for payments through the United States Postal Service might constitute mail fraud under federal and state law. 
Your failure to satisfy this request within the time requirement allotted by the Fair Debt Collection Practices Act, will be construed as your absolute waiver of any and all claims against me. Also, per the FCRA, as it is illegal to collect or report an unverified debt, I am requesting that you stop all reporting of this account until the debt has been verified. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I am disputing the accuracy of my Public Service Loan Forgiveness ( PSLF ) qualifying payment count. 

I have had continuous qualifying public service employment since XX/XX/XXXX. My most recent certified employment period covers XX/XX/XXXX through present. I have been continuously enrolled in an Income-Based Repayment ( IBR ) plan with a {$0.00} required monthly payment and did not request voluntary forbearance during the period in question. 

My PSLF tracker reflects qualifying payments through XX/XX/XXXX and then resumes at XX/XX/XXXX. The months XX/XX/XXXX through XX/XX/XXXX are missing entirely from the tracker ( not marked qualifying or ineligible ). 

As of XX/XX/XXXX, my official qualifying payment count is XXXX. The missing 10 months would bring me to or beyond the XXXX qualifying payment threshold required for forgiveness. 

I submitted formal PSLF reconsideration requests on XX/XX/XXXX and XX/XX/XXXX regarding these missing months and have not received resolution or a substantive response. This unresolved discrepancy directly affects my eligibility for discharge under PSLF. 

I am requesting a full review of my loan repayment status for XX/XX/XXXX through XX/XX/XXXX and correction of my qualifying payment count if those months were administrative forbearance or otherwise eligible under PSLF rules.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 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: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
This complaint is concerning a previous complaint, # XXXX, that was not completely corrected by Barclays XXXX XXXX XXXX 
A fraudulent account was opened in my name in XX/XX/year> after a data security breach at a former employer. Uploaded documents in previous complaint are there for verification. 
Barclays initially denied that this account was fraudulent, prompting me to open the previous referred to complaint. Barclays then decided to investigate this further and determined that it WAS a fraudulent account and that they approved my fraud claim. 
This was on XX/XX/year>. I had even spoken to XXXX twice from this office and was assured that this was resolved. 
I have recently received reports from the credit agencies that I have a Barclays XXXX XXXX with past due balances. 
So this fraudulent account has NOT been closed, it is still open and accumulating past due charges on the original fraudulent transaction, of which the fraud claim was approved by Barclays XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX is debt collector whom is charging me the alleged debt that does not apply to me. The medical debt is against all HIPPA laws and should not reflect on my credit report. Ive sent letters and disputes request that this allege debt be removed.

15 U.S. Code 1692g 15 U.S. Code 1681 ( b ) ( a ) ( 2 )

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 2026-02-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
TransUnion, Experian and Equifax may be facing serious legal penalties. You are furnishing inaccurate information on my credit report which is stopping me from getting the credit I need to support my family. Because of your unreliable reporting habits, I am forced to work extra hours day in and day out losing all my spare time ( which I used to spend with my family ). And all the extra stress, lost time, and unwanted pressure in my life is caused by the inaccurate items on my credit report. 

The information in this complaint is inaccurate because it reports different information across each consumer reporting agency ( or CRA ). However, the Fair Credit Reporting Act ( or FCRA ) requires TransUnion, Experian and Equifax to report my credit with maximum accuracy. What is maximum accuracy? Well, under the FCRA, this standard forces CRAs to report my credit 100 % consistent across each agency, only after I inform you of the errors. 

And for this reason, if you do not modify or delete the accounts I am about to list in this complaint, you may have to pay a hefty fine ( over a couple thousand ) for the damages your misleading reporting has caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AR

Complaint narrative:
b"Collections\n\tJefferson Capital Ll\nJefferson Capital Ll Collections - summary\XXXXAccount NumberXXXXOriginal Lender\nJefferson Capital LlXXXX XXXX XXXX XXXXAgency Name\n\nJeffcapsys\tJefferson Capital Syst\nDate Assigned\XXXX XXXX XXXX XXXX XXXX XXXX XXXXOriginal Balance\n$XXXXCurrent Balance\nXXXXResponsibility\nIndividual\tIndividual\tIndividual\nStatus\n\nCollection account\tAccount seriously past due date/account assigned to attorney, collection agency, or credit grantor's public collection department\nComments\nCollection account\tPlaced for collection\t\n"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I am filing this complaint against FirstBank Puerto Rico regarding an undocumented payment amount included in a payment book sent to me in connection with my loan modification ( Loan No. XXXX ). 

Following my loan modification signed on XX/XX/year>, FirstBank sent me a payment book reflecting a monthly payment of {$460.00}. When I raised this discrepancy, the Bank claimed in their response to CFPB complaint number XXXX that this amount was automatically generated reflecting " the previous payment '' prior to the modification. 

This explanation is unsupported by documentation. 

Attached are documents received prior to modification with no one reflecting the previous payment prior the modification : XX/XX/year> Loan modification settlement sent by the Bank : {$450.00} monthly payment XX/XX/year> Bank 's attorney communicated : {$450.00} monthly payment XX/XX/year> Loss Mitigation Department communicated : {$450.00} monthly payment XX/XX/year> Loan modification signed : {$450.00} monthly payment Payment book received : {$460.00} monthly payment The amount of {$460.00} does not correspond to any payment amount at any stage prior to modification. It is not a " previous payment '' it is a figure that can not be traced to any official document or communication from the Bank. 

FirstBank has now provided the same vague and unsupported explanation twice to my HUD Representative and to the CFPB without producing any documentation to support where this figure originated. This constitutes a pattern of providing inaccurate information to regulators and to the consumer.

Loan No. XXXX Prior CFPB Complaint No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: Credit Control, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding an account that Credit Control is currently furnishing to the credit reporting agencies, which has been previously reported inaccurately. 

On XX/XX/year>, I filed CFPB complaint XXXX regarding this account, notifying Credit Control that the information being reported was incorrect. Despite this notice, the account continues to be reported to XXXX even though the account has been purchased and is being reported by XXXX XXXX. 

This duplicate reporting is materially inaccurate and is harming my credit report. I have attached documentation showing both the Credit Control reporting and XXXX XXXX reporting for your reference.

Credit Control previously responded to my complaint by claiming that verification of my identity was required. This is unacceptable. I should not have to provide additional identity verification when I am the complainant, and all identifying information necessary to investigate the account is already provided in my complaint. This response appears to be a stall tactic, which I will note in my case if further action becomes necessary. 

I demand that Credit Control immediately remove this account from all credit reports. Failure to comply constitutes continued furnishing of inaccurate information after notification, which may leave me no choice but to pursue legal remedies. 

Please provide written confirmation of the removal of this account without further delay.

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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
LETTER XXXX CAINE & WEINER ( Original Creditor : Progressive ) XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX Date : XXXX Caine & Weiner XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Account No. XXXX Balance : {$1300.00} To Whom It May Concern : I am writing regarding the above-referenced account that you are reporting on my credit file. 

This letter serves as a formal request for validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). I dispute this account in its entirety. 

Please provide the following : XXXX. The name and address of the original creditor. 
XXXX. A copy of the original signed agreement or contract bearing my signature. 
XXXX. A complete itemization of the alleged balance, including fees, interest, and payments. 
XXXX. Proof that your company is licensed to collect debt in my state. 
XXXX. Documentation demonstrating your legal authority to collect this debt. 

Until you provide proper validation, you must cease collection activity and reporting of this account to any credit reporting agency. 

If you can not provide the requested documentation, you must delete this account from all credit bureaus immediately. 

I request all future communication be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
I am submitting this correspondence as a formal demand for review, correction, and determination of my eligibility for federal student loan forgiveness based on more than XXXX ( XXXX ) years of qualifying public service employment and XXXX XXXX XXXX 

For over a decade, I have been employed as an educator serving students in public, private, and charter school settings. My roles required direct instructional service, student support, and community engagement consistent with qualifying employment under federal forgiveness programs, including but not limited to Public Service Loan Forgiveness ( PSLF ) and Teacher Loan Forgiveness. 

In addition, I have served as a frontline pharmacy professional, operating in a healthcare capacity recognized as essential public service work. During public health emergencies and routine operations alike, I provided direct patient care support, medication access services, and health education to the community. Such service aligns with the statutory intent of federal student loan forgiveness programs designed to incentivize and protect individuals serving in education and healthcare fields. 

Pursuant to federal student loan regulations and consumer protection laws, I am requesting : 1. A complete audit of my loan history, including a verified count of qualifying payments.

2. Written confirmation of all employment periods credited toward forgiveness.

3. Identification of any denied or excluded qualifying months, including the legal basis for exclusion.

4. Immediate correction of any misapplied payments, misclassification of employment, or administrative errors.

5. Written clarification of any additional documentation required to finalize discharge eligibility.

If my qualifying service has been improperly excluded, miscounted, or denied without lawful basis, I request prompt correction. Any failure to accurately apply statutory forgiveness criteria may constitute administrative error and potential noncompliance with federal servicing standards. 

I am prepared to provide employment certification forms, W-2 documentation, contracts, supervisor attestations, and any additional records necessary to substantiate my qualifying service. However, I expect a transparent accounting and written explanation of your determination. 

Please treat this letter as a formal request for investigation and written response. I respectfully request confirmation of receipt and a detailed response within a reasonable timeframe consistent with regulatory requirements. 

Thank you for your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 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: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I paid my Truist auto loan in full on/around XX/XX/XXXX. I called before Christmas and was told that " everything looked good on their end ''. When I didn't receive my title, I called the XXXX on XX/XX/XXXX. The XXXX stated they had not received the notice from Trusit to release the title to me. I immediately called Truist and was met with a very rude customer service rep. When your Truist loan is paid in full they disable your online account, so I didn't have access to answers she was asking me. I tried to explain that to her, multiple times, and she said she was going to hang up. I told her to connect me with a supervisor. 

She connected me with XXXX and XXXX opened an " escalation ticket '' to get the issue resolved. XXXX spoke to the back office and stated that something " got stuck '' on their end. XXXX assured me that things were resolved and I should have my title in a few weeks. 

I called the XXXX yesterday, XX/XX/XXXX, to see if my title had been sent and they said that the lien was still issued against my vehicle. So, I called Truist again. I spoke with a rep named XXXX and asked him to connect me with a supervisor. He connected me with XXXX. XXXX spent a lot of time looking into my issue. She reported that someone closed the escalation ticket, but it was not resolved, so she had it reopened. She said the person in the back office had to perform a reboot of their system and she would call me back once their system was back up. She did return my call but asked me when I needed this completed. I thought that was an absurd question to ask as the general timeframe is a few weeks and we're over a few months now. 

I am asking for help because I want to sell my vehicle and as my milage goes up, my value goes down and I keep missing out on vehicles I want to purchase. This has been a horrible experience and one that does not seem to warrant proper attention from Truist.

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 2026-02-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am filing a complaint because I am being contacted about a debt that is not mine.

I have been receiving repeated text messages and daily phone calls from a company calling itself Unifin about a personal loan I do not owe. Sometimes they contact me multiple times a day.

When I checked my credit report, I saw a collection account listed for a XXXX Personal Loan under the name XXXX XXXX XXXX for {$4400.00}. I did not open this account, and this debt does not belong to me. 

I am formally disputing this debt. 

I am requesting that : All calls and text messages stop immediately. 

This is a Cease & Desist notice, stop all collection activity on this account The account be removed from all credit reporting agencies. 

I receive written confirmation once this is resolved. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
One main financial makes it almost impossible to close your account. I called XXXX phone numbers and could not speak to anyone, there was no option. Only scam offers for medical equipment ( offered free ) then I finally found a number to speak to someone and they said they can't do anything and gave me another to call that cant be called until Monday. And they say I still have a bill for XXXX dollars from a card I never applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Paid of balance in XXXX Citibank App shows {$0.00} balance XXXX XXXX interest and late fees charged when speaking with multiple representatives I was laughed at refused to assist or even listen to my complaint

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 2026-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I received an email from Commenity Bank indicating a {$2.00} balance on my XXXX credit card. Review of my statement showed a full balance payment as of XX/XX/XXXX. XXXX calls to Commenity Bank resulted in no explanation for the charge. A notation on the email indicated minimum interest fee. I asked how was interest charged on a XXXX balance and was disconnected by three different customer service representatives.

A fair resolution would be for Commenity Bank to be constrained from these practices. A significant fine or loss of charter to continue would be appropriate.

Company response to consumer: Closed with monetary relief