vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account Information Being Disputed : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX LEGAL BASIS FOR DISPUTE This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681c-2 - Requires credit reporting agencies to block and remove information resulting from identity theft 15 U.S.C. 1681i - Requires a reasonable reinvestigation within 30 days 15 U.S.C. 1681e ( b ) - Requires maximum possible accuracy of reported information Because this account is fraudulent, it must be immediately blocked and removed from my credit file. Fraudulent INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX 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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNT! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' US BANK - 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 non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Have had a XXXX XXXX my XXXX had been paying my cards up until then they have constantly called emailed me about payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: MS

Complaint narrative:
My name has been banned from XXXX for about 6 years now and I still don't understand why but I need a cashapp this is a lot of the way I need to get paid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Klover Holdings, Inc.
State: CT

Complaint narrative:
XX/XX/XXXX the replied oh it's to late to stop my revoke ach of authorization. Lies so I lets see next time. At this point you should of still put in for my authorization revoke indefinitely. Today they try hitting my account of {$36.00} causing overdraft when I told I revoke ach from my account. So they do what they wan na do? I don't think so

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
They told me that the account was removed from their office and that they submitted on XX/XX/XXXX for the credit collection to be removed from my account. We are now in XXXX, I paid the debt directly to XXXX, there is no balance owed at all. I have disputed 4 times now with the credit agencies and Waypoint resource group has verified 4 times now that the account is theirs, that the amount owed is correct. I paid the debt, i submitted proof of my payment. This collection is ruining my life because I need to refinance my car. Ive done everything and they will not remove this fraudulent report from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: LD Holdings Group, LLC
State: MI

Complaint narrative:
b"RECENTLY TOOK OUT AN FHA MORTGAGE THROUGH LOAN DEPOT LLC-LICENSE - OF CALIFORNIA\nI AM A XXXX XXXX XXXX \nRETIRED DISABLED -ABJUDICATED BY SOCIAL SECURITY IN XXXX AS XXXX XXXXPERSON WITH A LONG HISTORY OF FINANCIAL MISMANAGEMENT\nI WAS DESPERATE FOR SOME CAPITAL TO FIX UP MY HOME AND I WAS THROWN IN A DEN OF SNAKES-LOAN DEPOT-LICENSE 1XXXXMY FHA LOAN NUMBERXXXX XXXX XXXX XXXX SNAKE BY THE NAME OF XXXX XXXX XXXX XXXX XXXXPERATING AN 'A TEAM' OUT OF THE XXXX REGION GROSSLY DEFRAUDED ME -\nWHEN XXXX XXXX HE STATED THAT MY MONTHLY MORTGAGE PAYMENT WOULD BE AROUND XXXX USD I TOLD HIM I COULD NEVER EVER AFFORD TO PAY THAT ON 1XXXX USD SOCIAL SECURITY THAT COULD BE CUT IN XXXX.OSED \nI ASKED XXXX XXXX VERY CLEARLY-I PROSED THE FOLLOWING SCENARIO-\nIF I WAS TO PAY BACK A LUMP SUM SAY XXXX HOW WOULD THAT EFFECT MY MONTHLY M ORTGAGE PAYMENT-\nXXXX XXXX XXXX XXXX REPLIED- FOR EVER XXXX YOU RETURN YOU WILL HAVE A REDUCTION OPF APPROXIMATLY XXXX USD MONTHLY FROM YOUR MORTGAGE PAYMENT- IT IS ON TAPE- IF INDEED HIS OFFICE IS EVEN BEING MONITORED\nI RELIED ON THIS DECEPTION CAUSE I DID NOT NEED ALL THE MONEY-I WAS PREPARED TO RETURN XXXX TO REDUCE MY MORTGAGE PAYMENT BY XXXX USD MONTHLY\nTHIS WAS THE DECEPTION-THE REALITY IS THAT NO MATTER HOW MUCH MONEY I PAY BACK TO MY LENDER- THE AMOUNT OF MY MONTHLY MORTGAGE PAYMENT WILL NEVER CHANGE\nI NOW ENTERED INTO A MORTGAGE I CANNOT REPAY\nI AM SEEKING TO HAVE THE FOLLOWING WITH GOD'S HELP-\n1XXXX XXXX XXXX DISBARRED FROM WORKING IN MORTGAGE INDUSTRY\n2- I WOULD LIKE TO HAVE MY LOAN QUASHED- BASED ON THE FACT OF PREDATORY LENDING AND FRAUD\n3- I WOULD LIKE TO SEE LOAN DEPOT LOSE THEIR ABILITY TO WRITE FHA MORTGAGES\n4- I WILL SEEK PROFESSIONAL ASSISTANCE TO PREVENT FORECLOSURE\nBOTTOM LINE\nLOAN DEPOT RIPPED OFF THE WRONG VICTIM\nSINCERELY\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by a collection agency. This account has been paid in full and currently reflects a {$0.00} balance. I have documentation confirming payment and that the account has been closed and returned to the original creditor. Despite this, the collection agency continues to report this account on my credit report. I previously disputed this account with the credit bureau, and it was marked as verified, however no proper documentation was provided to me as required under the Fair Credit Reporting Act ( FCRA ). Additionally, since the account has been paid and returned to the original creditor, the collection agency no longer has permissible purpose or legal authority to continue reporting this account. I am requesting that this account be fully investigated. Please provide complete verification, including proof of authority to report, full account documentation, and reporting history. If the company can not provide this information, I am requesting immediate deletion of this account from all credit reporting agencies. Continued reporting of inaccurate or unverifiable information is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing this account and request documentation confirming the debt.

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 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: AR

Complaint narrative:
My husband opened this card in my name. He paid on it im assuming until we moved and he quit his job. I worked 2 jobs so he always checked the mail, he would throw away or hide the statements from me so I had absolutely no knowledge. My husband died in a car accident. Once I got notice that I had this in collections, I disputed it. I have other credit cards I pay on time as well as debt in collections I've satisfied. Had this been my actual debt this would have been no different. I would have gladly paid this debt. I dont feel o should be responsible for it considering I never opened this account to begin with

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by a collection agency. This account has been paid in full and reflects a {$0.00} balance. I have documentation confirming payment and account closure. Despite this, the collection agency continues to report this account on my credit report. I previously disputed this with the credit bureau, and it was marked as verified without proper documentation being provided as required under the Fair Credit Reporting Act ( FCRA ). Additionally, this account has been paid and resolved, and the continued reporting of this account is inaccurate and misleading. I am requesting a full investigation. Please provide complete verification, including proof of authority to report, full account documentation, and reporting history. If the company can not provide proper verification, this account must be deleted from all credit reporting agencies immediately. Continued reporting of inaccurate or unverifiable information is a violation of the FCRA.

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 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Credence Resource Management has put a derogatory remark on my credit report saying I owe XXXX XXXX dollars I spoke with them about this and they saying I owe because of some service at a address that I never heard of I then inform them that Im a customer of XXXX and there no outstanding balance in my name they then inform me that they was sending some paperwork to me to fill out and send to XXXX so I called XXXX and again I was told that are no balance connected to me so Im fighting a battle that not mine to fight and again my credit score have dropped real bad and I was in the process of buying a new vehicle so its really hit me at a bad time so Im disputing the charges with the credit bureau but this kind of thing can really affect someone life and credence resource management really doesnt care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: FL

Complaint narrative:
Car payment monthly was around {$650.00} and I make arrangement to pay it the amount to be split in every 15 days and later every seven days so the company start charging me every three days the amount of 3/300 dollars every four days {$140.00} leaving my account empty they were charging me more than 10 times in a month leaving my account in empty they were charging more than {$10000.00} a month and they did it from XXXX to to XXXX this produced that my XXXX XXXX from XXXX dropped to XXXX. They emptied my bank account so nobody else couldnt get the direct payment and they report that that was my problem. For around five months, my account was empty because they was charging me more that at the agreement in a month damage my credit complete credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am submitting this formal dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate, incomplete, and misleading information being reported by Santander Consumer USA , Inc. concerning the above-referenced account. Santander has issued a refund dated XX/XX/year>, while simultaneously reporting an outstanding balance. Additionally, Santander reports materially inconsistent balances across its own records, has failed to provide lawful proof of vehicle disposition or deficiency calculations, and continues reporting the account as Open/Charge-Off while actively billing. These actions violate federal law and applicable case precedent, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XX/XX/year> There was an issue involving a roof collapse at the XXXX at XXXX XXXX XXXX it was about XXXX XXXX and my partner wanted me to go check in on my XXXX as I arrived to my XXXX. I walk in and noticed a puddles of water all over the floor as I try to clean it up it was a lot of water so I couldnt get it all up, so I placed it pots and pans down to catch the water also contacted XXXX XXXX as well didnt want to bed throughout the night more and more water kept falling from the ceiling the next day when I got up XXXX, came to my XXXX and cut a giant hole in the roof did not come and fix it right away a couple of days went by and I asked them were they going to fix the big hole they cutting in my roof my XXXX came over and I showed him what happened then we went to the XXXX XXXX. We told them that there was a big hole in my roof XXXX didnt fix and then I want to be let out of my XXXX because this issue they kindly agreed to let me out of my lease and would not put it on my credit report but days later when I check there is a {$480.00} move out charge theres reporting on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
XX/XX/year> {$24.00} unauthorized transaction XX/XX/year> {$200.00} didnt even have a account before they just let them take my money out my account XX/XX/year> {$35.00} overdraft fee XX/XX/year> {$31.00} unauthorized transaction

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 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Klarna AB
State: TX

Complaint narrative:
On XX/XX/year>, I used Klarna for a purchase on XXXX. I eventually discovered that the item purchased was fake. I started a case with XXXX and they said I had to pay for return shipping of the fake item to the XXXX seller. However, that breaks XXXX 's own legal policies so I opened a dispute with Klarna. Klarna did not thoroughly investigate anything and told me to return the item to the seller. Paid for return shipping via XXXX which cost me {$48.00}. XXXX told me the package was undeliverable XXXX different times. I informed Klarna and XXXX of the predicament. Both companies just keep blaming me or each other. Klarna also lies that they are still investigating but they are not. I have also complained to the FTC, FBI, and the Attorney Generals for XXXX, XXXX XXXX, XXXX, and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MO

Complaint narrative:
I am filing this complaint regarding an unresolved Public Service Loan Forgiveness ( PSLF ) processing issue that has been ongoing since XXXX. I submitted four Employer Certification Forms ( ECFs ) for PSLF in XXXX. XXXX of the XXXX were processed and reflected in my payment count within approximately XXXX month. However, one employer certification, from XXXX XXXX XXXX XXXX XXXX I was employed from XXXX, remains unprocessed. This form is crucial to my status within XXXX as it has 5 years worth of payments that meet all requirements attached to it. This employer is an eligible, approved XXXX employer, and the submitted form has already been reviewed with no identified issues. I have been told by representatives at Federal Student Aid that the form looks good and is simply still processing. Despite this, my qualifying payment count has not been updated, even though we are months beyond the 3-5 week processing time. At the direction of Federal Student Aid representatives, I have resubmitted this form multiple times using both electronic and manual signatures. I have also adjusted submission details per their guidance. None of these actions have resulted in any progress. The current delay is well beyond the stated processing timeframe of 35 weeks. It has now been several months with no resolution, no explanation for the delay, and no estimated timeline for completion. This issue is directly impacting my ability to make informed financial decisions for my family, including selecting the most appropriate repayment plan. Without an accurate PSLF payment count, I can not properly evaluate my options. I have made multiple good-faith efforts to resolve this issue through normal customer service channels without success. I am requesting intervention to resolve this matter promptly.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
WebsterBank charged me four {$35.00} overdraft fee payments within a 24 to 36 hour period, twice in the last three months. They are profiting heavily off of overdraft fees. Especially under this corrupt administration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a loan with a company called XXXX XXXX & I was fooled to believe that they were repairing my credit first before the full loan amount can go through they also had me go to XXXX to send money out which was a big lie I found out by CHASE which whom contacted me to inform me that they are familiar with this form Of identity theft I still have the application copy as well by the way incase anyone needs it so anyhow as I was saying I was informed by JP Morgan CHASE that I was a victim of identity theft themselves in beginning of month around XX/XX/XXXX they told me that the identity theft is putting in fraudulent disputes to make me believe Im receiving actual loan payments and I have followed through with what they told me to do for days filed complaint with FTC as well then about one week later that same Friday I was informed that my account may get closed with on 10 days I told them That cant happen I need my account for my bills and livelihood my account started to over draft then go back to a balance then overdraft then back to normal but mind you it was not ever exactly normal I am just referring it as normal so that you understand that the overdraft would disappear and reappear then they also mentioned checks that were put in my name which Ive told them I did not do that and I would like to dispute those checks as well as entirety of this entire transaction they said dont worry we will close this account and give you a new one then that Friday the 10 th of XXXX I was threatened with that closure threat so I contacted the Executive Chase office and a Executive named XXXX instructed me to go to the branch and have a replacement account done right away which Ive done exactly as he told me and the account was just opened this Saturday XX/XX/XXXX I have my documents and a new debit card was on the way so then Im thinking everything is finally back to normal then This Monday XX/XX/XXXX I was restricted and closed down even after Executive Orders I even was told that Chase doesnt honor police reports either wow where is the protection for the customer I feel so bad its not a good feeling i was told that the internal deposit dispute team did this so I believe they did not honor the disputed checks and reversed the Executives Resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I contested a {$350.00} credit card charge from a local XXXX XXXX for XXXX my XXXX from the XXXX XXXX of the residence where I had just signed a lease on XX/XX/XXXX. My XXXX was XXXX within an hour of my move-in date. I provided Citi with my lease date, pictures of the XXXX XXXX and posted signs, a detailed statement of what happened, and documentation of my conversations with the XXXX company regarding why my XXXX was XXXX as a resident. After 30 days, Citi reversed the charge but also provided a statement from the XXXX company claiming I was trespassing and that the XXXX XXXX requested the removal. Both of these statements are false. I have been living at the residence since XX/XX/XXXX under a signed lease that includes a $ XXXX monthly XXXX fee. I believe that Citi did not conduct a thorough investigation into my case even after I provided evidence contradicting the XXXX company 's false claims.

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