vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 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: IL

Complaint narrative:
Subject : Jefferson Capital XXXX XXXX XXXX reporting inaccurate XXXX collection after agreeing removal I am filing a complaint regarding an inaccurate collection account being reported on my Experian credit report by Jefferson Capital / XXXX XXXX XXXX related to an alleged XXXX account for approximately {$100.00}. This account has already been the subject of prior disputes and complaints. In the companys written response, they stated they updated the account to be removed from the credit bureaus. Despite that representation, the collection was removed from XXXX but continues to report on XXXX. This creates inconsistent and inaccurate credit reporting and is causing ongoing harm to me, including difficulty obtaining housing and financial opportunities. Additionally, this alleged debt has circulated through multiple collection agencies over time, repeatedly reappearing despite prior disputes and identity theft concerns. I do not recognize this account as valid. My concerns are : The company represented the account would be removed from the credit bureaus. It was removed from XXXX but remains on XXXX. The same alleged debt has moved through multiple agencies and continues resurfacing. Continued reporting of disputed and inconsistent information violates my rights to maximum possible accuracy under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XXXX, I contacted PNC and requested a payoff for my HELOC, as I was not at all satisfied with the way they handled my account. The payoff given to me BY PNCS REPRESENTATIVE, was {$70000.00}. I paid it that same day. On XXXX, I received a bill in the mail for {$790.00}. The bill said overdue payment for XXXX of {$620.00} and interest due of {$160.00}. I checked mobile app for PNC which reflected a XXXX balance. I called customer service and they could not make it make sense. Today, XXXX, I went into the PNC branch, met with a Branch Banker, who then called the HELOC department on speaker with me. They were unable to make it make sense to either of us. The bill said my payment was overdue, and not wanting this situation to affect my credit, I, along with the Branch Banker, went to the teller window to make the payment. The teller processed the payment for me, but even his ( PNCs ) system said XXXX balance. We processed the payment anyway so as not to affect my credit. By this time I realized I would have to pursue another avenue to get this straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
On XX/XX/2025, I financed a vehicle through Lendbuzz. As part of the loan, I was charged {$1200.00} for XXXX XXXX, which was added to my loan balance. This product was not clearly explained to me as required or non-cancellable before signing the contract. I already maintain full coverage insurance that meets lender requirements. I contacted Lendbuzz to request cancellation of the XXXX XXXX and a prorated refund of the unused portion. I also requested that they provide the exact contract clause showing that this product is mandatory and can not be cancelled. The company refused my request and did not provide any specific contract clause supporting their claim. Instead, they stated that the product is required to have the loan, without further explanation. This product primarily protects the lender, not the borrower, and I believe I should be able to cancel it and receive a prorated refund. I am requesting cancellation of the XXXX XXXX and a refund of the unused portion.

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

Complaint narrative:
On XX/XX/XXXX, an unauthorized transaction for {$2.00} from XXXXXXXX XXXX was charged to my Cash App card. From what I was told, the purchase was made in XXXX. I did not authorize this purchase and I am still in possession of my physical card. I immediately filed a dispute through Cash App, which was denied. I then filed an appeal, which was also denied. Cash App 's support stated they reached a 'final decision ' and told me to contact the merchant myself, rather than fulfilling their legal obligation to investigate and correct an unauthorized electronic transfer. They have provided no evidence or documentation as to how they 'verified " this transaction was authorized. I believe Cash App has failed to conduct a reasonable investigation as required by the Electronic Fund Transfer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: NY

Complaint narrative:
The reverse mortgage was initiated in XXXX by Borrower. He has since passed, I am the successor and authorized to make decisions on the account on behalf of borrower. I have contacted XXXX in XXXX to request the complete mortgage file to dispute errors in preparation to repay the loan and it has been almost 4 months and I have not received such file or communication regarding the file. I did receive a reply to my letter, stamped by XXXX acknowledging receipt of my letter requesting the file but still no file. The loan has been called due since XXXX and no communication places an unfair financial hardship in the way due to losing time and cost rising while XXXX is non responsive in sending the complete 17 year file. There have been a minimum of 2 bank transfers and approximately 4 loan services from XXXX to date. This type of activity can easily lend to errors in balance reporting. In addition, the interest rate triggers predatory lending practices, based on research provided that XXXX was once or currently being sued for predatory lending practices. There is a class action lawsuit against XXXX on record. I am requesting the complete mortgage file at this time and that the loan not be called, due until the files are mailed and received. My request was made for the files prior to the loan being called due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CENTRAL BANCOMPANY, INC
State: NY

Complaint narrative:
XX/XX/year> - Withdrew {$290.00} to be received by check via mail. XX/XX/year> - Checked how this would be received. Confirmed expected date to receive check from USPS in mail. XX/XX/year> - Called HSA again to verify when the check should be expected. They blamed USPS as it should have been delivered. XX/XX/year> - Called HSA to VOID the check as according to them, USPS lost it. Received a check between this date and XX/XX/XXXX by which HSA did not even CREATE the check until after XX/XX/XXXX as I received it much later. Since they told me it would be voided, I scrapped the paper check and threw it away properly. I had called 2-3 times after this to confirm the check was voided and they kept telling me the money would reappear in my account. XX/XX/year> - Over a MONTH later, the account is STILL not voided and STILL not in my account. They said it would be in my account the next day. XX/XX/year>- Still missing the money from my account. They said theyd sned me a new check after telling me it was voided multiple times and I declined as rhe last time it took them over a month to even send.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Co LLC
State: TX

Complaint narrative:
I am a victim of identity theft and would like for accounts to be blocked and deleted off my credit report as it is effectively impacting me negatively XXXX closed account and Debt Co Collections that was opened in XXXX, I disputed originally XX/XX/XXXX and sent over all my documents

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

Complaint narrative:
I purchased tickets through XXXX using Klarna as the payment provider for a live event. The event was officially cancelled ( no rescheduled date has been provided ). According to XXXX policy, a full refund should be issued when an event is cancelled because the service will not be delivered. I attempted to resolve this issue through Klarna. However, my dispute was incorrectly categorized as goods not received, which is not accurate since this was a ticketed event/service, not a physical product. The dispute was later closed after Klarna stated that valid shipping details were provided by the merchant, which is not relevant to a cancelled event. I requested that the case be reclassified as a cancelled event / service not rendered dispute and reviewed properly, but Klarna refused, stating they had no further ability to reopen or investigate the matter. XXXX has also refused to issue a refund, claiming the order is non-refundable, despite their own cancellation policy stating refunds should be provided when an event is cancelled. As a result, I have paid for a service that will never be delivered, and neither the merchant nor Klarna has provided a resolution or proper dispute review. I am requesting that Klarna properly review this case as a cancelled event/service not rendered and assist in reversing the charge or issuing a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Consumer : * * XXXX XXXX * * Email : * * [ XXXX ] ( XXXX : XXXX ) * * Company : * * Exeter Finance LLC -- - * * Complaint Summary : * * I am filing a complaint regarding improper handling of a payoff balance and an attempt to collect additional funds after I paid the full payoff amount within the required timeframe. On XX/XX/year>, Exeter Finance provided me with a written payoff quote in the amount of * * {$31000.00} * *, with instructions that payment must be * * received no later than XX/XX/year> * *. In reliance on this payoff quote, I sent a * * cashiers check via XXXX XXXX XXXX XXXX on XX/XX/year> * *, ensuring delivery well in advance of the stated deadline. Based on the shipping method, the payment would have been delivered on or about XX/XX/year>, which is significantly before the XX/XX/XXXX deadline. Despite this, Exeter Finance is now claiming that I still owe an additional balance. This is improper and unacceptable for the following reasons : XXXX. The payoff amount was provided in writing with a clear expiration date. XXXX. Payment was sent and delivered well within the valid payoff window. XXXX. Any delay in processing the payment after receipt is solely the responsibility of Exeter Finance. XXXX. I relied in good faith on the payoff quote to satisfy the account in full. Exeter Finance appears to have added additional interest or charges based on internal processing delays rather than the actual receipt date of the funds. This practice is misleading and results in consumers being charged amounts not disclosed in the payoff statement. -- - * * Requested Resolution : * * I am requesting that Exeter Finance : XXXX. Immediately correct my account to reflect a * * {$0.00} balance * *. XXXX. Provide written confirmation that the account is * * paid in full * *. XXXX. Cease any attempts to collect additional funds. XXXX. Ensure that no negative reporting is made to any credit reporting agencies related to this issue. XXXX. Provide a detailed payoff reconciliation showing : * Date payment was received * Date payment was posted * Any calculation of additional charges -- - * * Additional Notes : * * I have documentation showing the shipment of the payoff via UPS Next Day Air and can provide tracking confirmation of timely delivery. I am prepared to escalate this matter further if it is not resolved promptly. -- - * * Attachments ( if applicable ) : * * * Payoff statement from Exeter Finance * Proof of XXXX shipment and tracking * Copy of cashiers check receipt -- - * * Preferred Resolution Method : * * Written response confirming account paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I received notice from Nationwide Credit Corporation that I owed {$110.00} for creditor XXXX XXXX XXXX XXXX. I called, because I knew I had paid the bill. NCC told me to contact the company for further information, which I did. They were researching why the payment did not go through. My son, who is XXXX yo, today ( XXXX ) received a text message from National Credit Corporation explaining my unpaid balance and to XXXX XXXX XXXX XXXX. First of, I have been working with the company to figure out what happened to my payment. Second, Isn't this against HIPAA to discuss which doctor 's office I was going to and that the bill has been unpaid. It's only been a little over a week since I received the notice. This is just not right. It's my personal business and no one else should be bothered with family stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I am submitting this complaint regarding an {$160.00} interest charge applied to my credit card account, which I believe is incorrect. During the previous billing cycle, I paid my full statement balance by the due date. Based on my understanding of credit card billing practices, paying the full statement balance on time should prevent any interest charges from being applied. However, in the following billing cycle, I was charged interest. When I contacted the credit card company for clarification, I was told that the interest charge was due to refunds posted to my account, which allegedly caused the balance to not be fully cleared for interest calculation purposes. I do not agree with this explanation. From my perspective, I paid the full statement balance as required, and any refunds processed afterward should not result in additional interest charges. I believe the billing and interest calculation in this case is unclear and potentially incorrect. I contacted customer service to resolve this issue, and I was transferred to another department, but my concern was not resolved, and no satisfactory explanation or correction was provided. I am requesting that the company : 1. Review the interest charge applied to my account, 2. Provide a clear and detailed explanation of how the interest was calculated, especially in relation to the refunds, 3. Reverse or refund any incorrectly applied interest charges. I would appreciate a prompt and thorough review of this matter.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: VA

Complaint narrative:
The mortgage company is Selene XXXX which is my primary residence and I just started back to work in XX/XX/XXXX. I have submitted numerous assistance packages and they keep granting me payment plans that I can not afford. The payment plans that I can not afford are 3 times a regular mortgage payment and now I have a foreclosure notice for XX/XX/XXXX.

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

Complaint narrative:
I am submitting this complaint to formally dispute the accuracy and validity of a collection account currently reporting on my credit report under the names Credence Resource Management and XXXX XXXX Account Details : Creditor : Credence Resource Management XXXX XXXX Reported Balance : {$2500.00} Original Balance : {$2500.00} Date Opened : XX/XX/XXXX Account Type : Collection Account XXXX / XXXX Status : Collection account reported as {$2500.00} past due as of XX/XX/XXXX Description of Issue : This account is being reported inaccurately and/or improperly. A XXXX XXXX bankruptcy case was filed in XXXX ( XXXX XXXX. XXXX ), and any debts included in or affected by that filing are subject to the protections of the automatic stay and/or discharge under federal bankruptcy law. Despite this, the above account is being reported as an collection account with a current balance due. This reporting is misleading and does not reflect the legal status of the debt in relation to the bankruptcy. Multiple actions have been taken to resolve this issue. The bankruptcy information has been provided to XXXX on more than ten occasions prior to XX/XX/XXXX. However, the account continues to be reported without correction. Why This Is a Problem : Reporting a debt as actively collectible when it is subject to bankruptcy protections may be inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. If this account is included in or impacted by the bankruptcy, it should not be reported as a currently past-due collection account. Requested Resolution : I am requesting that this matter be fully investigated. If the account can not be verified as legally collectible and compliant with the bankruptcy case, it should be immediately deleted from the credit report. Please provide written confirmation of the results of your investigation, including confirmation of deletion if applicable. If the account is determined to be accurate, please provide complete documentation supporting that determination, including evidence that the account is not subject to or affected by the bankruptcy case.

Company response to consumer: Closed with non-monetary relief