vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I received a debt collection notice regarding an alleged account, but I do not believe the information provided is sufficient to confirm the validity of this debt. The company has stated that I owe a balance of {$2000.00} ; however, they have not provided adequate documentation to prove that this debt belongs to me or that the amount is accurate. Additionally, there has been no clear evidence showing that the company has the legal right to collect on this account. I am formally disputing this debt and have requested proper validation, including a copy of the original signed agreement, a complete payment history, documentation showing how the balance was calculated, and proof of ownership of the debt along with a full chain of custody from the original creditor. As of now, this information has not been provided. I am concerned that this account may be inaccurately reported or improperly collected, which could negatively impact my credit. I am requesting that the company either provide full and complete validation of the debt in compliance with the Fair Debt Collection Practices Act ( FDCPA ), or cease all collection efforts and remove the account from any credit reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA ). I am seeking assistance to ensure my rights are protected and that this matter is resolved fairly and in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Bank continues sending account statements YEARS after claiming account was closed and after litigation concluded. No clear explanation of account status.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding the denial of a debit card fraud claim involving a Cash App transaction in the amount of {$1800.00} that occurred on XX/XX/year>. The transaction was made using my XXXX XXXX debit card ; however, it was the result of a scam involving material misrepresentation and deception. I was misled into sending the funds under false pretenses. Although the transaction may appear authorized, it was not knowingly or meaningfully authorized due to fraud. I reported the issue to XXXX XXXX, but my claim was denied. I am also unsure whether a written denial notice was ever properly provided, which raises concerns regarding compliance with Regulation E requirements. I am requesting that XXXX XXXX : 1. Reconsider my claim under Regulation E, specifically regarding fraud by deception 2. Provide a written explanation of the denial, including the regulatory basis 3. Review all supporting evidence related to the scam I have also reported this matter to Cash App, which did not provide a resolution, and I am in the process of filing reports with the FTC and local law enforcement. This situation has caused financial harm, and I am seeking a fair review and resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: NC

Complaint narrative:
A collection agency for XXXX XXXX Keeps harassing me even though CFPB and Myself have asked for Proof of debt from almost 2 plus years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: FL

Complaint narrative:
My XXXX XXXX card was frozen by XXXX XXXX due to possible suspected fraud. Apon calling them they refused to unfreeze my account without sending them a email of a valid id. Apon telling them I am homeless and don't have a state ID they told me basically to bad to sad. There was no fraud on my account and XXXX XXXX is unrighteously holding my XXXX funds putting me at risk of physical harm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I used a webiste to turn a screenshot to a pdf for XXXX cents. The next day, I was charged XXXX dollars for not canceling the subscription. I tried to request a refund and they only gave me half. I requested a full refund bc the subscription could only be seen in the terms and conditions and not in the actual pricing where the XXXX cents is located. This is a subscription trap and illegal. I asked XXXX for a refund. Denied. I asked chime for a refund. Denied. I asked for an open investigation. Not only is it difficult to navigate. They only let you send info through the app. I sent screenshots of the subscription trap and their new website update where the subscription is clearly under the XXXX cent making it obvious to see. Chime denied me again saying there was nothing wrong with the purchase. The point of the subscription trap is it looks legit. I provided the evidence clear as day. I even stated I understand how they missed the trap bc their website is updated but I have the original version they had from my own purchase. They denied my claim anyway because I guess they dont care it was subscription trap at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
The amount that I still have with Kia financial is over XXXX for more than 3 years the debt doesnt go down and the porcentaje its too high for the price. Every payment that I made goes toward the interest rate and they dont want to help me to refinance the car or have another option, I havent pay the monthly payment but Im straggling in how to pay the car every month. I was placed in a debt cycle through repeated rollovers without clear disclosure of the long-term. I do need an answer and it seems that nobody is helping me out.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
A fair resolution to this issue would include a full and thorough investigation into the improperly returned payments from the USAA account belonging to XXXX XXXX XXXX The account had sufficient funds, approximately {$23000.00}, at the time the following payments were returned : XX/XX/XXXX {$120.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1000.00} I have documentation, including bank statements, confirming that sufficient funds were available on these dates. I am requesting a detailed explanation as to why these payments were returned despite sufficient funds, including any internal processing errors or system issues. Additionally, I am requesting : Immediate reversal of any fees or penalties associated with these returned payments Correction of any negative reporting caused by these actions Written confirmation that the issue has been resolved Due to the financial harm caused, including potential damage to the consumers credit profile and financial standing, I am also requesting appropriate compensation for damages. Please provide written confirmation once all corrections have been completed. If this matter is not resolved, the consumer reserves the right to pursue further remedies available under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E.

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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint regarding PayPals handling of a dispute involving a digital purchase that was never delivered in an accessible form. I paid {$95.00} on XX/XX/year> for a service through XXXX using PayPal but never received or had access to the voucher or redemption code required to use the service. The item was not available in my account and was never delivered via email. I filed a dispute with PayPal. They denied the case, stating that the item was delivered, but did not provide any verifiable proof of delivery. When I contacted PayPal for clarification, they were unable to provide evidence and instead advised me to check my email again and contact the seller. This contradicts their original decision and indicates the claim of delivery was not substantiated. I have since been forced to file a chargeback through my credit card issuer. I am requesting that PayPal review its dispute practices regarding digital goods and provide proper evidence when denying claims based on delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BROKER SOLUTIONS, INC.
State: AZ

Complaint narrative:
New American Funding required a cosigner on my loan. A distant relative, a deaf senior, agreed to cosign -- mainly because he was assured by XXXX XXXX, the loan officer in XXXX XXXX, XXXX -- that he could be removed from the loan in XXXX months. The title company assured him there was no risk to signing. Escrow closed on XX/XX/year>. It has been a year and a half. I inquired about refinancing twice, both times the answer was no. I asked if my son could be on the loan. Without checking his income or credit, XXXX XXXX said no. My payment history is perfect. I am the only one making payments. My son and I are the sole occupants of the house. The cosigner does not want to sign for any new loans or grants to make repairs. The septic system has failed, which affects health and safety and I can not fix it without removing him from the loan. Outside of that, both of us- XXXX seniors-were promised that he could be removed from the loan in XXXX months. Outside of that

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Experian Information Solutions Inc.
State: CA

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 2026-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX day I have {$330.00} worth of charges on my account. I filed a dispute. It was denied. I then asked to escalate the dispute. It was reopened. I provided proof that this was not my transactions on my account but another entity. I contacted the merchant at XXXX point. They told me my financial institution would have to contact them for a refund and so the offending party could have their account banned permanently so they did not do this to another person. I feel like the financial institution did not do their due diligence on my behalf as a customer. The evidence I provided was proof that I was in no way responsible for the charges incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NATIONAL CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing to urgently request your assistance regarding a devastating real estate wire fraud that resulted in the loss of {$330000.00} during the closing process of our new home. On XX/XX/year>, we were victims of a sophisticated fraud scheme. We received an email appearing to be from our mortgage company, XXXX XXXX, containing detailed and accurate information about our transaction, including our property address and loan amount. The email, titled CLOSING INSTRUCTIONS, appeared completely legitimate. Based on this, we initiated a wire transfer from our Wells Fargo account to another Wells Fargo account. Only after the transfer did we learn that the wiring instructions were fraudulent. Since discovering the fraud, we have been in ongoing communication with Wells Fargo, but have made little to no meaningful progress. Despite the fact that both the sending and receiving accounts are within Wells Fargo, the bank has shown limited urgency or transparency in investigating the recipient account. We have raised serious concerns, including that the receiving account appears to have been fraudulently established as a business account without proper verification. There has been no clear effort to identify the individual ( s ) responsible for opening or operating the account. Wells Fargo has also stated that further investigation into the recipient account requires a court order, effectively halting any meaningful progress. This response is deeply concerning. Given the scale of the fraud and that this was an internal transfer within the same financial institution, Wells Fargo had the ability to detect suspicious activity and intervene. We have reported this matter to the XXXX XXXX County Sheriffs Office, where there is an active, open investigation ( Case # XXXX ). However, progress remains limited without cooperation and transparency from the financial institution involved. We are not only seeking recovery of our funds, but also accountability and answers regarding how an account used to facilitate a {$330000.00} fraud could have been opened and operated without proper safeguards. This situation has caused significant financial and emotional hardship, as the funds were obtained through a home equity loan secured against our current residence. We respectfully request your offices assistance in encouraging a thorough investigation, ensuring cooperation and transparency from Wells Fargo, and helping us understand what additional steps can be taken to pursue recovery and accountability. We are prepared to provide all supporting documentation upon request. Sincerely, XXXX & XXXX XXXXXXXX XXXX XXXXXXXX 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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase refused to process a valid debit card dispute under XXXX network rules. I am filing a complaint against Chase Bank regarding their refusal to properly process a valid debit card dispute involving services not rendered. On XX/XX/year>, I made multiple debit card payments totaling {$1600.00} to a merchant listed as XXXX for an apartment reservation made through XXXX. Although I authorized these transactions, the listing was fraudulent. I never received any check-in instructions, and the host became completely unresponsive. I made repeated attempts to contact the host and XXXX including messages and emails. A XXXX representative indicated they would follow up, but I never received any resolution or assistance. As a result, I paid for a reservation that was never provided. I promptly contacted Chase and attempted to dispute the charges. However, the claim was incorrectly categorized as an unauthorized transaction. This led to a denial because the transactions were technically authorized. I have since clarified to Chase that this is not a fraud claim, but rather a services not rendered dispute involving a scam merchant. Despite this clarification, Chase has refused to reopen or reclassify the claim and has declined to process the dispute under the appropriate XXXX chargeback rules. Chase is failing to properly evaluate and process a valid dispute under XXXX network protections for debit card transactions. The issue is not authorization, but the merchants failure to provide the paid service and their complete lack of response. I am requesting that Chase : 1. Reopen this case and correctly classify it as a services not rendered dispute 2. Submit the dispute through XXXX under the appropriate merchant dispute category 3. Conduct a proper investigation based on the facts provided 4. Refund the full amount of {$1600.00} if the claim is validated I have documentation supporting my claim, including proof of payment, records of attempted communication with the merchant and XXXX, and evidence that no service was ever delivered. Chases refusal to process this dispute based solely on an initial misclassification is unreasonable and has resulted in significant financial loss. I request that this matter be reviewed and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: HI

Complaint narrative:
Records reflect a charge-of/write-off of this alleged debt and they have failed to provide the required IRS Form 1099-C, which is necessary to confirm the reporting of this debt as forgiven by Milestone and or XXXX and any related taxable event. Inaccurate Reporting Under the FCRA, thry are obligated to ensure that all information reported to consumer reporting agencies is accurate and complete. Reporting an alleged charge-of/write-off without issuing the appropriate IRS Form 1099-C is misleading and inaccurate, violating 15 U.S.C. 1681s-2. False or Misleading Representations Under the FDCPA, false or misleading representations concerning the character, amount, or legal status of a debt are prohibited ( 15 U.S.C. 1692e ). Reporting an alleged debt without proper documentation to substantiate the write-off or forgiveness constitutes a clear violation. Unfair Practices Reporting without proper reconciliation and compliance with legal obligations violates 15 U.S.C. 1692f, which prohibits unfair or unconscionable means to collect or attempt to collect any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I received paperwork asking me to sign an open ended Power of Attorney. The langauge for the POA read as, " I, XXXX XXXX, appoint Ally as my attorney in fact, to complete all necessary documents, as needed, to transfer ownership as required by law. '' I requested the language for the Power of Attorney for title transfer be specified as a limited power of attorney with an expiration date. The company refused to make the POA limited and demanded i sign the open ended power of attorney or they would close my account immediately. I refused to sign without a statement of limited POA and the representative stated she closed my account and hung up on me. I did speak with my lawyer about the POA. He stated it would be good to have them specify it was a limited POA.

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