vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 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: SC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of 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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: CT

Complaint narrative:
This is the third phone call in the last year and a half that I received from this company. They are trying to collect a {$1200.00} and something dollar debt that was already disputed years ago for identity theft I explained this to them I explain they needed to stop calling me there's no grounds for this debt that did not belong to me and I let them know I will report them because they are legally trying to collect a debt that that was a product of identity theft and has been discharged off of all three of my credit reports way before the time period that they're required to drop the debt off of your reports. They still are trying to call me they still are trying to convince me that I need to come to a conclusion to settle this debt and it completely ignoring the fact that in 2017 I had to dispute tens of thousands of dollars worth of identity theft fraud as a result of becoming incarcerated in very early 2015. They just told me this debt was from XXXX or XXXX of XXXX I explained to them this debt is not legitimate this debt that I've asked you to provide proof of that they do not have and never have provided that they continue to try to call me is not valid and it is harassment. I do not owe this money yet they keep trying

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
MoneyLion automatically deducted {$630.00} from my bank account via auto-pay on XX/XX/year>. Because of their internal 5-day ACH processing delay over a holiday weekend, their system falsely flagged my account as overdue and slashed my XXXX advance limit from {$600.00} to {$300.00} when the process was already marked as completed on XX/XX/year> although it say it should be processed by the XXXX. Customer service refused to escalate the issue or perform a manual override leaving me stranded with {$0.00} for living expenses despite fully paying my balance. Stating to just pay for the outstanding balance next time although I already have. I have proof of everything, from my frequent on time payments to their lack of service. I demand my regular {$630.00} limit to be manually restored immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: MO

Complaint narrative:
I request that Klarna update my credit reports to reflect that all applicable accounts are paid in full and in good standing. At this time, I am concerned that reporting has not been handled accurately or in a timely manner, including delays in payment reporting, inaccurate delinquency reporting, and other negative information associated with this dispute. These inaccuracies are impacting my credit profile. I respectfully request that Klarna correct and update all relevant information with all three credit reporting agencies : XXXX, XXXX, and XXXX, to ensure my accounts are accurately reported as paid in full with no negative or delinquent status resulting from disputed or incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App refuses to close my account. I was scammed out of {$74.00} through a fraudulent and deceptive charge from XXXX. I tried repeatedly to resolve it with Cash App and got nowhere. A {$50.00} loan was taken out specifically to cover that fraudulent charge, which turned out to be an unauthorized upsell for credit monitoring I never agreed to. Cash App upheld the fraudulent charge anyway and now says I still owe the {$50.00} loan. They have continued trying to collect on it, forcing me to cancel and replace my debit card to stop the attempts. I have completely lost faith in Cash App and no longer feel safe doing business with them. I have asked multiple times that they simply waive the remaining {$50.00} loan balance and fully close my account. They refuse to even acknowledge the request and keep trying to collect. I want this account closed and the loan waived immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am requesting assistance regarding this account because at the time of depth occurred. I was very young and still did not fully understand how credit works for the long-term impact. It could have on my financial future since then I have been working towards improving my financial situation learning responsible finance management and build stability for myself, and my family. This account has created a significant hardship and made it difficult for me to move forward, financially, including obtaining opportunities, relating housing, transportation, and starting my small business, I will greatly appreciate consideration for removal adjustments, or any resolution option available so that I can have a fair opportunity to rebuild my credit and move for responsibly I am committed to making better financial decisions and would appreciate any assistance or review of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: WI

Complaint narrative:
Forged or Altered Contract XX/XX/year> Interest rate mark up XX/XX/year> Gap insurance Fraud XX/XX/year> Rolled Negative Equity XX/XX/year> Spot delivery without disclosure XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Date Name DOB Address Collection Agency Name Address RE : LIST ACCOUNT NUMBER I am sending this letter in response to a letter you sent me on ( INSERT DATE OF COLLECTION LETTER HERE OR OPEN DATE OF ACCOUNT ON CREDIT REPORT ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting for verification but I am requesting for validation, complete chain of assignment and transfer. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : State what the money you say I owe is for How did you come to determine that amount Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe Show me the proof that you are licensed to collect in my state ; provide your license number Provide me with proof that the statute of limitations have not expired A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. Thank you, Sign Your Name in BLUE INK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
Beginning XX/XX/year>, and continuing through XX/XX/year>, we made multiple mortgage payments to Village Capital totaling approximately {$15000.00}. These payments included : * {$3800.00} on or around XX/XX/year> * {$1400.00} on or around XX/XX/year> * {$3500.00} on or around XX/XX/year> * {$1700.00} on or around XX/XX/year> Despite these substantial payments, Village Capital is currently holding significant funds in suspense/unapplied status while simultaneously treating our account as delinquent or nearly 30 days past due. We were informed by customer service that certain payments, including the {$3800.00} payment and the {$1400.00} payment, were allegedly reversed and returned to our bank account on or around XXXX/2026XX/XX/year>. However, those returned funds are not reflected in our bank account records. We believe that these funds were actually reversed and placed into suspense. At the same time, the servicers records indicate that over {$10000.00} remains in suspense/unapplied funds. We do not understand why the company is continuing to flag the account as delinquent while holding sufficient funds that should have been properly applied to the mortgage payment. We have repeatedly contacted the company seeking : * a complete accounting of all payments made, * clarification regarding the suspense/unapplied funds, * explanation of where the allegedly reversed funds were sent, * and correction of the delinquency status. To date, we have not received a clear or complete explanation regarding : * how the payments were applied, * why funds remain in suspense, * where reversed funds were sent, * or why the account continues to reflect delinquency despite the payments made. We are concerned about improper mortgage servicing, mishandling of payments, inaccurate account balances, and potential inaccurate credit reporting resulting from these servicing errors. We are requesting : 1. A full payment audit and accounting. 2. Immediate investigation into the suspense/unapplied funds. 3. Verification of all reversed transactions and destination accounts. 4. Correction of any inaccurate delinquency status. 5. Assurance that no negative credit reporting occurs while this dispute is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year>, I initiated an ACH transfer of {$9700.00} from my Chime account to my XXXX account. On XX/XX/year>, XXXX notified me that the deposit had completed. Shortly afterward, I was informed that the transfer had been reversed after my Chime account was closed. It has now been over a month, and I still have not received clear information regarding where my funds are currently located. I have contacted Chime multiple times requesting information about the transfer, including whether the ACH funds were returned, rejected, frozen, or sent elsewhere after the account closure. Chime has not provided me with the ACH return details, the ACH return code, confirmation of where the funds were sent, or the current location/status of my {$9700.00}. I am requesting an immediate investigation into this matter and written confirmation regarding the current location of my funds. I have attached screenshots and supporting documentation related to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I am disputing an incorrect rental debt balance being collected for XXXX XXXX XXXX. The company is attempting to collect a total balance of {$2900.00}, which includes a false " Insufficient Notice Penalty Charge '' of {$2400.00} and a {$100.00} cleaning fee. This entire balance is inaccurate and legally invalid due to the following facts proven by the landlord 's own signed business records : Proper Notice Was Given : I have official, signed documentation from the property manager ( dated XX/XX/XXXX ) verifying my rental history. On that official Rental Verification form, under the section " Did resident give proper 30/60 day notice? ", the property manager explicitly marked " YES '' and noted it was a Roommate Release. Because proper notice was formally acknowledged and signed off by management, the {$2400.00} insufficient notice penalty is entirely false. The Unit Was in Good Condition On that same signed Rental Verification form, the property manager explicitly documented that the " Condition of unit '' was " Good '' at the time of my release. This directly contradicts the {$100.00} cleaning charge being assessed later. The Charges Belong to a Different Resident : The landlord 's own paperwork openly admits these charges do not belong to me. At the bottom of the Final Account Statement, it explicitly states, Final account statement : XXXX XXXX. Furthermore, the cleaning charge on the ledger is specifically labeled " Charges For Cleaning Needed - XXXX. Because I was legally let go via an approved Roommate Release, left the unit in management-certified " Good '' condition, and the landlord 's own statement specifies that these charges are assigned to the other resident, the collection agency has no legal basis to collect this balance from me. I request that my name be entirely unlinked from this file and that this invalid debt be completely removed.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
I had sent the following email to the company on XX/XX/XXXX and follow up email on XX/XX/XXXX with no discrete solution received yet. I received a standard automated email from them on XX/XX/XXXX where I am being asking for my personal bank information etc.. Please find the email detail below- " Dear InComm XXXX, I am writing to follow up on my email regarding the {$150.00} virtual XXXX XXXX card. I was informed by your customer service team that the card balance was converted into a mailed check. However, I have not received any such check, nor was I notified that this action would be taken via email or phone although this information was already available with your team. I was also outside the United States during this time and had no ability to receive mailed correspondence. Before I provide any sensitive personal documentation, I require confirmation that this check was actually issued. Please provide the following details : Check number Date of issuance Mailing address used Current status of the check ( cashed or outstanding ) At this time, requesting identity documents and address verification without first confirming the existence and status of the payment is not appropriate. Once the above information is provided, I will be able to proceed with any necessary verification steps. If this matter is not resolved promptly, I will escalate the issue through the Consumer Financial Protection Bureau and the Federal Trade Commission. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
This is a follow-up to complaint XXXX. I've had numerous telephone and mail correspondence with fifth-third. All they need to do was stop payment on the check they say they issued, though I'm not sure I believe a check was ever issued. I've received two letters from them since this original complaint was issued. How hard would it have been for one of those letters to contain our refund check? We closed on this mortgage on XX/XX/year>2026 and XXXX is quickly approaching. If they do this to all of their customers they have to be making a ton of money on the float.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, the original loan amount was approximately {$200000.00}. Later, on XX/XX/XXXX, I was informed that the project cost had increased to approximately {$500000.00}, which I never agreed to approve. In addition on XXXX XXXX, I obtained an independent estimate for the same ADU specifications from another source, and the price was significantly different {$180000.00}. I submitted this information and supporting documentation, but my concerns were ignored. I also confirm that I never personally received any of the loan funds for my own use. Because of these circumstances, I no longer wish to proceed with this project or remain responsible for this loan. I hereby formally demand : Immediate cancellation of the loan agreement, Termination of all contracts and services related to this XXXX project, Suspension of any further disbursements or activity under my name, and Written confirmation that this matter has been resolved. I am also in the process of reporting this matter to my local police department and other appropriate agencies, and I have filed a report regarding potential fraud and identity theft. Case number XXXX And I disputed on XXXX with financial company _aquafinance company and others Please respond in writing within 10 business days to confirm that my request has been processed and that no further action will be taken under my name. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase altered a joint credit card account contract following the death of the primary owner, my father, in XX/XX/XXXX. Chase removed his name but failed to notify me of this material change. Furthermore, Chase failed to send mandatory monthly billing statements to my legal address, continuing to mail them to my late father 's home, even though they had an active mailing address for me listed under my SSN. Because I have not used this account in 20 years, I had no knowledge a balance existed. Upon discovering the delinquency on my credit report, I immediately called Chase customer service on XX/XX/XXXX to resolve it. Because Chase had never sent me statements, I had zero account details. The phone representative located the account using my Social Security Number. I paid the balance in full and closed the account over the phone during that single call. Chase 's internal call logs and financial records will confirm this immediate payment and closure. Because this severe delinquency was caused entirely by Chase 's failure to provide mandatory billing disclosures to a surviving joint owner, the negative credit reporting is unfair and inaccurate. I request that Chase 's compliance team locate this account via my SSN and completely delete the late payment history or remove the tradeline from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XXXX XXXX I woke up to my money gone out my Cash App account. Soon as I noticed the unauthorized transaction I called Cash App to dispute it. Someone bought bitcoin it was a transaction in the amount of {$7800.00} I never used bitcoin a day in my life. I didnt authorize that transaction. Cash App said they were going to investigate but they been giving me the run around since it happened. I open another investigation for the same transaction because a Cash App specialist suggested me to do so because it didnt suppose to take that long to investigate that was on XXXX XXXX. I sent a copy of police report in to Cash App. I follow all the appropriate protocols for me to still be left with no answer.

Company response to consumer: Closed with explanation