vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I attempted to dispute unauthorized XXXX XXXX XXXX charges with Regions Bank after I was blocked from using the gym and continued to be billed. 
Regions Banks dispute system did not provide any option that matched my situation, specifically did not receive the product or services paid for. This prevented me from properly disputing charges for services that were denied. 
As a result, I was obstructed from protecting my account and recovering unauthorized debits. I request that Regions Bank be required to provide appropriate dispute pathways and review these transactions. 

XXXX XXXX  staff told me in XXXX, XXXX, and XXXX that I could cancel my membership in person or through the XXXX XXXX app/online portal. However, there was no cancellation option available, and the membership agreement could not be accessed due to repeated system errors. 
On XX/XX/XXXX, XXXX XXXX stated that online cancellation does not exist and that I must contact my home club, which contradicts XXXX XXXX representations. 
In early XXXX, XXXX XXXX failed to process a payment and blocked my access to the gym. Despite denying me service, they continued to debit my account monthly. A manager later admitted refund authority but refused to issue one. 
I dispute all charges taken while I was blocked and while cancellation tools were inaccessible. I believe these practices violate XXXX Fair Business Practices Act and request investigation, restitution, and corrective action. 

FYI The block started approximately XXXX or XXXX of XXXX although for each consecutive month prior and after they received membership payments. Essentially, they received XX/XX/XXXX payments but blocked me from attending for more than 6 months. From XXXX of XXXX of 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 2026-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Norwich Commercial Group, Inc.
State: IL

Complaint narrative:
I closed on my property back in XXXX of XXXX. XXXX XXXX taxes at the time were late and the escrow company collected an overage of {$4100.00} to cover taxes when they were release. Taxes were then release in XXXX of XXXX, due in XXXX of XXXX. Mortgage company wired out funds in XXXX and paid XXXX XXXX. Escrow funds are technically for first installed of XX/XX/XXXX. Spoke with escrow company and they advised they would hold all funds to see if payment for taxes clears. Escrow company still went ahead and allegedy paid taxes as well in XXXX even though it was advised to XXXX _ Direct Cell XXXX at XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX to not pay it out since mortgage company did. 

It has now been 2 months going on XXXX and mortgage balance escrow is stating payment was made to city, So is XXXX of XXXX XXXX XXXX. {$2300.00} is missing from XXXX account with no record or accountability from mortgage or escrow company. I would like an account of my escrow funds.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to Transworld Systems , Inc through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that Transworld Systems , Inc receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : 1. ) The Date of First Delinquency ; 2. ) The date the account was charged off ; and 3. ) The date the account was acquired by or assigned to Transworld Systems , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my credit score and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am filing this complaint because Rent Recovery Solutions is reporting a {$2800.00} collection account that I do not recognize, do not agree with, and was never properly notified about. I never received a letter, never received a bill, never received any explanation of what this alleged balance represents. The first time I learned of this debt was when it appeared on my credit report. That alone violates FDCPA 1692g ( a ). 
Rent Recovery Solutions is reporting a large balance as fact while providing me with zero context, zero documentation, and zero proof. A consumer should not have to guess what a debt is for, who it came from, or how it was calculated. Yet that is exactly what Rent Recovery Solutions has forced me to do. 
After discovering this account, I requested validation. More than 30 days have passed. I received nothing. 
Lawful validation requires : Name and address of the original creditor Explanation of the alleged obligation Signed lease, contract, or proof of responsibility Itemized accounting of the balance Date of first delinquency Proof of assignment or authority to collect Proof of written FDCPA notice Proof of mailing or delivery Metro-2 compliant reporting fields Rent Recovery Solutions has provided none of this. 
Instead, they continue to report a {$2800.00} balance that can not be explained, verified, or supported. Reporting a debt without proof is not a clerical error it is a violation. 
This conduct violates : FDCPA 1692g failure to provide notice and validation FDCPA 1692e false and misleading representation of a debt FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct reasonable reinvestigation FCRA 623 ( a ) furnishing inaccurate information Metro-2 standards requiring consistent, factual, verifiable reporting Rent Recovery Solutions is presenting an unverified allegation as financial truth, and that is unacceptable.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MS

Complaint narrative:
XX/XX/year>XXXX XXXX Sent XXXX to the wrong Chime pay anyone member XXXX XXXX XXXXXXXX back from that person * Called Chime ( XXXX  times ) and asked what could I do and basically they said nothing, on the last call I was finally able to start a dispute with a representative XX/XX/scrub>XXXX XXXX XXXX XXXX Dispute was denied just that quick and I called and basically they said I didn't give them enough evidence The evidence I had they should be able to see it in my transaction history ( requests, payments, and names of people I used the pay anyone app in Chime ) that's what I thought so I sent everything I had from the payment to the requests for my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding a second erroneous levy placed on my Chase business account, which resulted in an improper freeze of funds. 

Chase applied a levy that does not belong to me or my business, and the account was frozen despite the levy being invalid. Although no funds were withdrawn, freezing a business account is a serious disruption to normal business operations. 

This is not the first time this has occurred. Chase previously placed an erroneous levy on my account, and despite that prior incident, Chase again applied a wrongful levy, indicating a pattern of error and lack of adequate safeguards. 

I contacted Chases Legal Orders / Levies Department and opened Case No. XXXX. While the account is in the process of being addressed, the fact that this error happened twice raises serious concerns about Chases handling of legal orders and identification procedures. 

As a XXXX XXXX  in XXXX, I rely on uninterrupted access to my operating account. Even a temporary freeze exposes my business to payroll risk, vendor disruption, and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
am filing a complaint regarding Navy Federal Credit Unions handling of an auto loan dispute involving misuse of loan proceeds and denial of my appeal despite documented evidence. 

I obtained an auto loan for the sole purpose of purchasing a vehicle. I authorized a third party, who represented himself as a credit/funding professional, to assist with facilitating the vehicle purchase. I did NOT authorize this individual to deposit the loan check into his personal account, retain the funds, or use them for personal purposes. 

After the check cleared, the individual intentionally withheld most of the funds, returned only a partial amount, and failed to deliver any vehicle. I have audio recordings of the individual stating that he was keeping my money due to personal circumstances unrelated to the loan agreement, which clearly demonstrates bad-faith intent to misappropriate funds. I also filed a police report documenting theft by deception and misappropriation of entrusted funds.

Navy Federal denied my dispute and subsequent appeal by stating the transaction was authorized, without addressing the documented misuse of funds occurring after the check was deposited. I believe this constitutes an unfair and unreasonable application of liability standards and a failure to properly investigate post-authorization misuse. 

I am experiencing financial hardship, have not received the vehicle, and am now facing potential credit damage for a loan that did not fulfill its intended purpose.

I am requesting that Navy Federal : Conduct a senior-level review of my case Reconsider liability based on post-authorization misuse Provide credit reporting relief or accommodation while the matter is unresolved Provide a written explanation addressing the police report and the audio evidence of the individuals intent I am seeking regulatory review to ensure fair treatment and proper investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I am submitting this complaint regarding an unresolved billing error with Best Buy Credit Services that has persisted since XX/XX/year>. 
In XX/XX/year>, I made a payment of {$430.00} to my Best Buy credit account. At the time, my original card had been closed and reissued with a new card number ; however, it is the same underlying account. Due to this internal card reissuance, the payment was incorrectly applied to the closed card rather than to my active card on the same account. 
When the payment did not post to my active account, I contacted Best Buy Credit Services in XX/XX/year> to inquire. I was explicitly informed by their representative that the payment had been applied to the wrong ( closed ) card and that a reversal or transfer would be processed to correctly credit my active account. I was advised to wait while this was resolved. 
I waited several weeks, yet the issue remains unresolved. As of today, my active account still reflects an outstanding balance of {$430.00}, despite Best Buy having possession of my payment, which is currently sitting as an overpayment on the closed card. During this time, I have continued to receive calls stating that I owe this balance, even though Best Buy can clearly see that the funds were paid and misapplied internally.

Despite multiple opportunities to correct this error, Best Buy Credit Services has shown no meaningful effort or urgency in resolving the issue. This is particularly concerning because the inaccurate balance may be reported to the credit bureaus, potentially damaging my credit history. I have a 100 % on-time payment record across all accounts, and it is unacceptable for an internal processing error on Best Buys part to jeopardize that record. 
I do not understand how it can be this difficult to transfer or reapply a payment from a closed card to the current card on the same account, especially when Best Buy has already acknowledged that the payment was misapplied. Best Buy is effectively attempting to collect a debt that has already been paid. 
I am requesting that Best Buy Credit Services : Immediately apply the {$430.00} payment to my active account. 
Correct the account balance to reflect a XXXX balance ( or the correct balance ). 
Ensure that no negative or inaccurate information is reported to any credit bureau related to this issue. 
Provide written confirmation that the matter has been fully resolved. 
I am seeking BBB assistance because my attempts to resolve this directly with Best Buy Credit Services have been unsuccessful, and the ongoing inaction is unreasonable and unfair.

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 monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to formally complain about Citibanks handling of my bank account closure and the refusal to provide information or return my funds. 

On XX/XX/XXXX, my Citibank account was closed without meaningful explanation. As of today, XX/XX/XXXX, more than 60 days have passed. I contacted Citibank again today seeking clarification and resolution, and I was told that Citibank will not provide any reason for the closure and that I would not be receiving my funds. 

At the time of closure, I had approximately {$190000.00} in my account. Citibank has failed to provide written documentation explaining the closure, a timeline for the return of funds, or any lawful basis for withholding my money. 

This is unacceptable and has caused severe financial harm. I have acted in good faith and have repeatedly attempted to resolve this directly through customer service, but Citibank has refused to assist me or provide transparency.

I am requesting immediate resolution : A written explanation stating why my account was closed and why my funds are being withheld.

Immediate release and return of my funds totaling {$190000.00}, including confirmation of when and how the funds will be returned ( check, ACH transfer, wire, etc. ). 

Written confirmation that all holds, restrictions, or internal flags related to my account have been documented and reviewed, including any claim that the funds are not eligible to be released.

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 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NE

Complaint narrative:
On XX/XX/year>, my Cash App account was hacked without my authorization. The hacker, who Cashapp identified as XXXX XXXX XXXX, withdrew {$500.00} and made an unauthorized {$480.00} purchase at XXXX XXXX. Fraudulent {$500.00} requests were also sent to my contacts. 

My legal name is XXXX XXXX XXXX. My Cash App account was originally opened under my previous/married name, XXXX XXXX XXXX which appears on my card and account. 

After it was hacked and locked, I repeatedly reported the fraud and was given case numbers : Loan # XXXX ; Investment # XXXX ; Hacking # XXXX. I also sent a formal demand letter by certified mail requesting reimbursement of {$500.00}, access to my Cash App Investing funds ( ~ {$340.00} ), and account correction. As of today, my account remains inaccessible and no refunds have been issued

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Midland Credit Management. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Midland Credit Management is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Marlette Funding, LLC
State: OH

Complaint narrative:
The company used a XXXX XXXX for a previous loan that was paid off and applied it to a new loan. 

They refused to give me a letter or email stating that the current loan is connected to an old XXXX. 

The filed the lien in XX/XX/XXXX - that loan was paid off XX/XX/XXXX. They used this XXXX XXXX to apply to another loan that was opened XXXX XXXX. 

I am trying to refinance my home to pay off this loan and can not get approved because of the date discrepencies. I was told today on a recorded line with XXXX at Bestegg ( XXXX ) that the exisitng loan was connected to the old XXXX for a previous loan However she refused to give me documentation to support that so that I can provide to the new lender for approval of my refinance. 

First- you can not use an exisitng XXXX and just simply move that over to a different loan. Secondly- my right as a customer is to know which loan is connected to a specific lien. She said their policy was to not provide any such statement either in a letter or via email - even though she confirmed that information verbally on the recorded conversation today ( XX/XX/XXXX ). 

Her actions or really the actions of Bestegg are preventing me from refinancing my loan. This is a common request and I should be able to have accurate documentation of the loan status and the liens associated with said loan. The loan agreement is generic and provides NO information linking it to a specific XXXX XXXX number. 

Which is all that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Making monthly payments, yet I am delinquent on XXXX payments. It is unclear how my monthly payments are being applied. 

Getting emails daily that my loan is subject to the transferred over to the Department of Education, where my wages could be garnished. 

The amount due is constantly changing. With each payment I owe more. 

They say the called and they missed me I have not once gotten a call from them. Just emails. 

The repayment seems deceptive in nature. 

The first payment I made with this new company the purposely reversed my payment, nothing was wrong with the account or card used.

Company response to consumer: Closed with explanation