vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am submitting this complaint regarding an incorrect Form 1099-K issued by Cash App under my personal name instead of my business entity XXXX XXXX ). I used Cash App for business purposes, but the 1099-K was issued incorrectly under my personal name. This creates a risk of inaccurate tax reporting and potential double taxation. Starting in XX/XX/year>, I contacted Cash App support multiple times to request a correction. I followed all instructions provided, including attempting to submit a correction request form. However, I was unable to complete the submission due to a system error. I reported this issue and was later informed that my business account had been closed. Because of this, I could not access the normal correction process. Cash App then instructed me to upload verification documents using a secure link. However, the link provided did not function, and I was unable to upload any documents. I reported this issue as well, but no alternative method was provided. Despite multiple follow-ups, I continued to receive repetitive or irrelevant responses, including being directed to Cash App Taxes support, which is not applicable to correcting an issued 1099-K. As of now, Cash App has not provided a working method to submit documents or resolve the issue, and has not escalated the case to a qualified team. I am requesting that Cash App : Correct and reissue the 1099-K under the proper business entity ( XXXX ) Provide a functional way to submit required verification documents Assign a qualified specialist to review and resolve this matter This issue is time-sensitive and may result in incorrect reporting to the IRS if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was in forbearance from XX/XX/XXXX through XX/XX/XXXX instead of reporting to the credit beaur in XX/XX/XXXX that my loan was in a forbearance the reported it as XXXX days late. They responded and stated it was done inaccurately and gave me a XXXX gift card for the inconvience. My credit score went back up on XX/XX/XXXX when the late payment was removed by Truist but then it was reported again as XXXX days past due on XX/XX/XXXX which brought it back down. I made my first payment in the payment plan on XX/XX/XXXX on time but they continue to report it again as XXXX past due. I feel this might be an auto generated issue that needs to be fixed. This is affecting my employment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding unfair early withdrawal penalties charged by Citibank. My CD accounts were closed by the bank, not by me. I did not request any early withdrawal or account closure. However, Citibank still charged me early withdrawal penalties totaling {$360.00}. Since the closure was initiated by the bank, I believe it is unfair and inappropriate to penalize me for early withdrawal. According to the transaction receipt, the accounts were " XXXX XXXX from Certificate, '' which clearly indicates the bank initiated the closure. I respectfully request a full refund of the early withdrawal penalties. Thank you for your attention to this matter. The bank closed my CD accounts, not me. I was still charged {$360.00} in early withdrawal penalties. This is unfair. I request a full refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am filing this complaint regarding a derogatory account that is being reported on my credit file that does not belong to me. Account number : XXXX I have reviewed my credit reports and identified an account listed under my name that I do not recognize and did not authorize. I have never opened, used, or benefited from this account in any way. This appears to be the result of a reporting error or potential identity theft. I have previously disputed this account with the credit reporting agencies and/or the furnisher, but the inaccurate information remains on my credit report. This is negatively impacting my creditworthiness and financial standing. U nder the Fair Credit Reporting Act ( FCRA ), I have the right to have inaccurate, incomplete, or unverifiable information removed from my credit file. I am requesting that this account be thoroughly investigated and permanently deleted from my credit reports. I also request that the furnisher provide proper documentation bearing my signature or other proof that I am legally responsible for this debt. If such documentation can not be provided, the account must be removed immediately. Please ensure that all credit reporting agencies are notified to delete this account and that I am provided with written confirmation once the correction has been made. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I opened a checking account online with Citi because they were offering a {$320.00} checking account bonus after completing {$3000.00} in XXXX or more deposits within the first XXXX days of opening the account. After I made the required deposits I called customer service and checked on the status of the bonus. The representative I spoke to stated that he could see that I made the deposits and that he expected the bonus to be processed by the end of XXXX of XXXX. I chatted with customer service online in XXXX of XXXX since I had not yet received the bonus and a dispute was filed. I received a letter in the mail stating that the reason I did not receive the bonus was because I had a previous checking account within XXXX days of opening this account. I called again on XX/XX/XXXX and asked for customer service to show me where I could see this XXXX day requirement, I was informed that it was in the terms and conditions that were emailed to me AFTER I opened the account. When I asked if those could terms and conditions could be sent to me again, I was told that it could not be emailed again and there was nowhere online that I could view the information. The fine print on the offer page when I opened the account online did NOT have this stipulation otherwise I would not have opened the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I asked GM Financial if they had any assistance programs or can i refinance my loan to make it more affordable because paying XXXX plus car insurance is over XXXX a month for a car thats only worth XXXX XXXX. Im over paying about XXXX for the car and Ive made XXXX. Ive made 50 out of 72 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Being switched out of an income-driven repayment ( IDR ) plan without proper notice or your consent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WY

Complaint narrative:
On XX/XX/year> I noticed large unauthorized transactions from a merchant XXXX. I do not have a draft kings account in my Name. There is not an active account or live account in my name at the time of these charges and even draft kings own policy states that your method of payment must match the account name. I reached out to draft kings and they told me the account in question was restricted and my method of payment was banned. They then directed me to my banking institution CHIME to address the transactions. Chime denied my dispute without even contacting draft kings. Please re-investigate this and it will show that the money that went to an account not in my name. I have included my evidence that I provided chime as well as the documentation they used to deny my dispute and it show XXXX communication with XXXX this investigation was not done properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year>, I woke up to discover that more than {$6000.00} had been withdrawn from all of my bank accounts connected to Cash App, and the withdrawals happened within minutes. I immediately closed my accounts, opened fraud claims with my banks, and had new cards issued. I also filed a fraud claim with Cash App on XX/XX/XXXX. At this point, my banks are waiting for an update from Cash Apps investigation before they will replace my funds. However, Cash App has not sent me any email or called to confirm that an investigation is underway or how long it will take. In the meantime, transactions are being declined and Im accumulating insufficient funds fees, which could lead to essential services being cut offincluding utilities, internet, my cellphone bill, and even risking missed payments on my car loan. This situation is extremely frustrating and urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Inaccurate and Contradictory Reporting JPMCB Charge-Off Account I am filing a complaint regarding inaccurate, inconsistent, and misleading reporting by JPMCB ( Chase ) on my credit report. Account : JPMCB Card Balance : {$3700.00} This account contains multiple reporting inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) : - The payment history reflects contradictory information, including periods of on-time payments followed by sudden delinquency without a consistent progression. - The account shows on-time payment activity immediately prior to being charged off, which is inconsistent and raises concerns about the accuracy of the reported delinquency timeline. - The account continues to report ongoing derogatory activity after being closed, creating a misleading impression of continuous delinquency. - The reported past due amounts have fluctuated inconsistently, further demonstrating inaccurate reporting. - There is no clearly defined and consistent Date of First Delinquency. Due to these inconsistencies, this account can not be considered accurate or verifiable under FCRA standards. I am requesting : - Full verification of all reported information - Correction of all inaccuracies - Immediate deletion of this account if it can not be verified as fully accurate and consistent Failure to correct or remove this account will result in further escalation for violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
On XX/XX/XXXX I took delivery from XXXX XXXX XXXX with a lease disclosing {$1.00} rent charge. On XX/XX/XXXX they said it didnt fund and had me re-sign with {$4100.00} rent charge. This violates Reg M 12 CFR 1013.4. Dealer is under XX/XX/XXXX XXXX AG Assurance for adding fees during re-contracting. XXXX MVA Licensing has case open under my name/DL as of XX/XX/XXXX. I am demanding rescission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: GREENSKY OPERATIONS, LLC
State: CT

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by GreenSky. GreenSky is currently reporting multiple late payments on my credit report that I believe are inaccurate, incomplete, and/or not properly verified in violation of the Fair Credit Reporting Act. I previously disputed these late payments with the credit bureaus, and GreenSky responded with a generic verified response. However, they did not provide any documentation or evidence showing how these late payments were verified. Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report information accurately, and under 15 U.S.C. 1681i, all disputed information must be properly investigated. I am formally requesting that GreenSky provide : The method of verification used to validate these late payments Copies of payment history records Any documentation showing how these late payments were determined to be accurate If GreenSky can not provide proper documentation supporting these late payments, I am requesting that they be deleted immediately from all credit bureaus. Additionally, if these late payments resulted from billing errors, misapplied payments, or lack of proper notice, this may also constitute a violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ). These inaccuracies are negatively impacting my ability to access fair credit and financing. I am requesting a full investigation and correction of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
Complaint Against : Chime ( banking services ) Issue : Fraud / Scam Improper Handling of Dispute Complaint : I am submitting this complaint regarding a fraud transaction and the inadequate handling of my dispute by Chime. I was the victim of a scam in which an individual impersonated a government entity ( courthouse/law enforcement ) and pressured me into sending money under false pretenses. Believing the request to be legitimate, I initiated a transfer. This was a clear case of fraud through impersonation and deception. After discovering the scam, I promptly contacted Chime to dispute the transaction. My claim was denied without what I believe to be a reasonable or thorough investigation into the fraudulent circumstances. Additionally, my attempts to escalate the issue were unsuccessful. During multiple calls : I requested to speak with a supervisor/manager and was refused A representative terminated the call after I requested escalation I was not provided with a case or reference number for my calls I was not given clear instructions on how to submit additional supporting documentation This lack of escalation access and documentation is concerning and does not reflect proper handling of a fraud complaint. I have filed a police report and a report with the Federal Trade Commission regarding this scam. I am requesting : A full reinvestigation of my fraud claim A detailed written explanation of the denial An opportunity to submit supporting documentation ( police report, evidence of impersonation ) Review of Chimes customer service practices regarding escalation and complaint handling This situation involves fraud under false pretenses, and I am seeking a fair and thorough review of my case. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Oak Harbor Capital, LLC
State: TX

Complaint narrative:
Case : Cause No. XXXX ; XXXX XXXX ( XXXX XXXX ) vs. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I. Substantive Defenses ( The " Merits '' ) Extinguishment by Statute of Repose : The underlying judgment was signed on XX/XX/XXXX. Under XXXX CPRC 31.006, a judgment becomes dormant after XXXX years and must be revived within XXXX years of dormancy. This judgment was legally extinguished in XX/XX/XXXX. The Plaintiff is attempting to revive a " dead '' judgment XXXX years past the absolute legal deadline. Misidentification of Defendant : The XXXX judgment was entered against XXXX XXXX XXXX. The current target of collection is Mark A. Rodriguez Jr. This is a case of misidentification ; I am a legal stranger to the original debt and the court lacks personal jurisdiction over me. XXXXI. Evidence of Procedural Fraud & Lack of Diligence Falsified Service Affidavits : The process server ( XXXX XXXX ) swore to a service attempt on Saturday, XX/XX/XXXX at XXXX PM. Contradicting Evidence : Home security camera footage for that exact date and time confirms that no person approached the residence. Admission of Unreliability : The servers own Declaration states : " The documentation and photos did not save, '' yet she swore under penalty of perjury to specific details that are objectively false. Expired Citation : The original citation was issued on XX/XX/XXXX. Under XXXX Rule of Civil Procedure 99 ( d ), citations expire if not served within XXXX days. Deadline : The citation expired on XX/XX/XXXX. Invalid Execution : The XXXX for XXXX XXXX was signed on XX/XX/XXXX. Because no XXXX XXXX was issued ( as confirmed by the portal ), the server is attempting to execute an expired document. XXXX. Violations of Debt Collection Law XXXX Debt Collection Act ( TDCA ) 392.304 : The Plaintiff is misrepresenting the judicial status of a debt by claiming it is revivable when it is extinguished. FDCPA Violations : Attempting to collect an unrecoverable debt from the wrong individual ( Junior vs. someone else ) through deceptive means and falsified documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Starmark Financial LLC
State: TX

Complaint narrative:
On XX/XX/year>, I sent a written debt validation request to Starmark Financial, LLC regarding an alleged debt. The letter was sent via certified mail and was delivered and signed for on XX/XX/year>. In my letter, I requested validation of the debt, including the name of the original creditor, the amount owed, and documentation proving that I am legally obligated to pay the debt and that Starmark Financial has the legal right to collect it. As of today, I have not received any response or validation from Starmark Financial. Despite receiving my validation request, Starmark Financial reported this account as a collection on my credit report on XX/XX/year>. This action has negatively impacted my credit. Under the Fair Debt Collection Practices Act, I requested validation and asked that all collection activity cease until proper validation was provided. Reporting the account to the credit bureaus without first providing validation is improper. I am requesting that Starmark Financial either provide proper validation of the alleged debt or remove the collection account from my credit report.

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