vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 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: CA

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX 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 2026-04-27 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: UMB FINANCIAL CORPORATION
State: SC

Complaint narrative:
Important Dates : Charged for first pair of glasses on XX/XX/year> for {$380.00} Added progressive upgrade on XX/XX/year> for {$170.00} What happened : The first pair of glasses had a chip in one lens and the prescription was incorrect due to the exam being performed while my eyes were dilated. Both the near and far prescriptions were wrong ( clinical error ). I worked with the provider for months in good faith to allow them to correct the issue. They remade the glasses, but the near vision was still incorrect. They offered to remake them again, but the quality was consistently poor and I no longer trust them. I was left with an unusable medical device. Dispute attempt : I used my XXXX debit card issued by UMB Bank, N.A. to purchase these glasses. I attempted to dispute the charge through the XXXX support line and directly with UMB Bank. Both refused to open a Regulation E billingerror investigation and told me to go back to the provider, even though the transaction was processed through my UMBheld XXXX deposit account. Problem : UMB Bank refused to investigate a debitcard billing error as required under Regulation E ( 12 CFR 1005.11 ). They stated they are just the custodian and would not open a dispute, despite being the financial institution holding the deposit account. What I want : I want UMB Bank to open a Regulation E investigation into this billing error and provide the protections required by law, including a proper investigation and any applicable provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
This company closed my account without notice or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: CA

Complaint narrative:
In XXXX, XXXX all four of my private student loans with Firstmark Services were approved for in school deferment. I hold written in-school deferment confirmations on this account valid through XX/XX/XXXX, which were issued by Firstmark Services without any disclosure that it would be the final deferment period, that I was approaching the sixty-month ineligibility threshold, or that the deferment would accelerate the exhaustion of my repayment term. This confirmation represents a written commitment on which I reasonably relied and has now been breached. On XX/XX/XXXX, I received a letter via email, which was never provided in my online account inbox, stating my in school deferments were cancelled, that while they were in deferment, the term of my loan was being reduced and that I was being forced into repayment in the next payment cycle with a monthly bill which now states I must pay {$3800.00} starting XX/XX/XXXX. My online account was modified days later to remove my deferment and put into repayment status and I've since been issued a billing statement. I reached out to Firstmark via email following receipt of this letter and asked what terms this decision was based on. I was told it was based on the terms of my promissory note. I was provided copies of my promissory notes but there are no such terms within that agreement that state in school deferment is term reducing. I advised Firstmark of this and they responded that this is actually pursuant to the school deferment application per the lender guidelines. I was never provided any such guidelines that my school deferments were term reducing and was never informed I was approaching the sixty-month eligibilty threshhold, even though the deferment approvals given to me in XXXX were dated through XX/XX/XXXX. I believe these terms were never properly disclosed to me or actually applicable to my account, until Firstmark unilaterally decided they wanted to apply them to my account now in order to get me into repayment. This behavior violates the Consumer Protection Act 's prohibition on unfair, deceptive, or abusive acts or practices ( UDAAP ) and represent a breach of contract of the deferment approval agreements previously reached. I have requested that my account be put back into deferment until this dispute can be resolved but Firstmark has so far refused and has not provided any copies or source of the " guidelines '' they say this decision was based on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as WELLS FARGO AUTO XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: CA

Complaint narrative:
My mortgage servicer, LoanCare/XXXX and ( previous servicer XXXX XXXX ), is committing systemic escrow fraud by extracting {$6900.00} annually for property taxesexactly double the {$3400.00} liability assessed by XXXX XXXX for my autogenous land. To justify this equity stripping, LoanCare is utilizing a fraudulent administrative neighborhood overlay ( " XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) instead of the legal, historical record for my property ( " XXXX XXXX XXXX XXXX XXXX ). Most critically, they have established a " shadow ledger '' with XXXX XXXX using a misspelled " strawman '' identity ( XXXX XXXX, dropping the " XXXX '' ) which prevents the countys automated systems from reconciling their fake data with my actual tax bills. This is a deliberate misrepresentation of a XXXX XXXX security. I have attached the 1XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX ) and the XXXX history as conclusive evidence. Executive Summary of the Fraudulent Loop The servicer, LoanCare ( XXXX XXXX ), is utilizing a " XXXX '' and " XXXX XXXX '' scheme to divert escrow equity into unexpended municipal budget pots. The Mechanism : The Request : LoanCare bills my lender for property taxes using a " XXXX XXXX '' ( XXXX ) that does not match my legal property records. The Intentional Error : LoanCare attaches a deliberately misspelled name ( " XXXX XXXX XXXX '' ) to the payment, rather than the lawful titleholder ( " XXXX XXXX XXXX '' ). The Rejection Filter : When this payment hits the XXXX XXXX XXXX XXXX XXXX ( BTFA ) or County filters, the identity inconsistency causes an automatic rejection. The Diversion ( XXXX XXXX ) : Because the payment is rejected but the funds have already been drawn from my escrow, the money is flagged as " Unidentifiable. '' These funds are then " re-characterized '' as operational surplus to fill deficits in local staff reports ( specifically XXXX XXXX Report 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 2026-04-27 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for continued willful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 1681i, and 1681e ( b ). I previously submitted a valid FTC Identity Theft Report along with supporting documentation clearly identifying fraudulent accounts that do not belong to me. Despite receiving proper notice, TransUnion failed to comply with federal law by not blocking and removing all fraudulent accounts within the required timeframe. TransUnion removed only ONE account ( XXXX XXXX XXXX ), while leaving other fraudulent accounts on my credit file without any lawful explanation. This selective action is inconsistent and unlawful. If TransUnion had sufficient evidence to remove one fraudulent account, then it had the same obligation to block ALL fraudulent accounts identified. The remaining fraudulent accounts are : * XXXX Account Number : XXXX * XXXX XXXX XXXX XXXX Account Number : XXXX These accounts are fraudulent, unauthorized, and continue to cause serious financial harm. Under 15 U.S.C. 1681c-2, TransUnion is required to block all identity theft-related information within four ( 4 ) business days. Their failure to do so is a direct violation of federal law. Additionally, TransUnion has failed to conduct a reasonable reinvestigation ( 1681i ) and maintain maximum possible accuracy ( 1681e ( b ) ). I demand immediate blocking and permanent deletion of all remaining fraudulent accounts, along with a full explanation for their failure to comply.

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 2026-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
My Cash App account was suddenly closed without prior notice, explanation, or specific details regarding any alleged violation. When I contacted support, I was informed that the company can not disclose the reason for the account closure. This leaves me unable to understand, dispute, or correct any potential issue and prevents fair resolution. I used my account for legitimate personal transactions, including sending and receiving money from friends and family. At no point did I knowingly engage in activity that violates the platforms terms. The refusal to provide a clear explanation raises serious concerns about transparency and consumer rights. I am being denied access to information related to my own financial account, including the reason for termination and the status of any remaining funds or data. I am requesting : A specific explanation for why my account was closed A full review of the decision by a qualified compliance team Confirmation that my funds and personal data are secure Reinstatement of my account if no valid violation is found I am filing this complaint because the lack of transparency prevents fair resolution and may conflict with basic consumer protection expectations under federal financial regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am filing a complaint against Santander Consumer USA regarding my auto loan account ( Account ending in XXXX ) due to unresolved dispute handling, billing concerns during hardship, and lack of communication. In XX/XX/year>, I entered into a hardship extension agreement covering payments due XX/XX/year> and XX/XX/year>. Despite this, my vehicle became inoperable due to engine failure and remains non-drivable. At the time of the vehicle failure, I filed a dispute with XXXX XXXX XXXX regarding mechanical issues and related charges. The dispute reference number is XXXX. I have not received any update or resolution regarding this dispute. Since entering hardship, my loan balance has continued to increase from approximately {$18000.00} in XX/XX/year> to approximately {$20000.00} as of XX/XX/year>, while monthly billing continues. I have maintained a strong payment history, including approximately XXXX payments totaling around {$13000.00}, in addition to a {$10000.00} down payment. I am requesting : * A full explanation of why my balance increased during hardship * A status update and resolution for dispute # XXXX * A review of interest, fees, and billing application during hardship * Correction of any billing discrepancies if found * Consideration of appropriate hardship relief based on current circumstances I am a XXXX single mother of XXXX children and am currently experiencing significant financial hardship. I am requesting a fair review and resolution of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I contacted a company about installing a roof, and when they reached out, I expressed concerns about the installment plan. I was never informedeither verbally or in the contractabout the interest rate. The interest rate was not explained or disclosed prior to my signing the agreement. I am requesting a formal review and a full disclosure statement from the company. Due to the overwhelming interest rate, I am unable to provide financial support under the terms of this contract. On legal grounds, I request that the current interest rate be reduced or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: MI

Complaint narrative:
Company is sending innaccurate emails and calling all the time for incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint against Chase Bank regarding an improper fee of {$150.00} charged to my account in connection with a reversed payment to XXXX I have made multiple attempts to resolve this issue directly with Chase. However, their representatives have repeatedly refused to take responsibility and instead directed me back to the merchant, XXXX. XXXX has provided written confirmation stating that any fees associated with reversed payments are determined solely by the financial institution. Specifically, XXXX XXXX XXXX If a payment made to XXXX is later reversed by your financial institution, any related fees or adjustments are determined by your bank. XXXX does not charge the bank directly in these situations. This clearly establishes that the {$150.00} fee was imposed by Chase, not XXXX Despite providing this information to Chase, they have refused to review or reverse the charge and have continued to redirect responsibility without justification. Additionally : - The underlying account with XXXX has already been resolved- I was prepared to complete payment promptly, but this issue caused unnecessary delay - The fee appears excessive and lacks clear justification I am requesting : XXXX. Immediate reversal of the {$150.00} fee XXXX. A clear explanation of the basis for this charge, including applicable policy or terms XXXX. Confirmation that this matter has been fully resolved Chases refusal to properly investigate and address this issue has resulted in unnecessary financial burden and frustration. I am requesting regulatory review and assistance in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Eastern Account System. This account is being reported on my credit file and is disputed in its entirety. I have previously requested validation of this debt and have not received proper documentation to support their claim. Despite this, the company continues to report the account to credit bureaus, including Experian, without providing sufficient verification. I am requesting that the company provide : The original signed contract or agreement Complete payment history Proof of my legal obligation to this debt Documentation showing they are authorized to collect and report this debt If they are unable to provide this documentation, I am requesting that they immediately cease reporting and request deletion of this account from all credit reporting agencies. I am also requesting that the credit bureaus ensure that only accurate and verifiable information remains on my credit file. I am seeking a full investigation and written response addressing these concerns. I have previously submitted disputes and did not receive a proper response or validation. The continued reporting of this account without verification raises concerns regarding compliance with the Fair Credit Reporting Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX, I received an email from XXXX XXXX stating my information was compromised on the XXXX XXXX. I checked my bank accounts and noticed XXXX transaction not made by me on my savings account. XXXX was a withdrawal transfer for XXXX, to XXXX XXXX XXXX, XXXX, Routing number XXXX, with the transaction date of today XX/XX/XXXX. The second transaction is a deposit from XXXX bank, account XXXX, Routing number XXXX, for XXXX. I contact SOFI to begin the dispute, however, they said this was posted and can not immediately cancel or reverse. I have no associations with XXXX, and have never used them in any way to the best of my knowledge. I do have a XXXX XXXX account, but everything appears normal there, and contacted XXXX who do not see anything. Of note, the dark web warning received today from XXXX specifically states : What we found Exposure Date XX/XX/XXXX Exposed information Last Name, Name, Phone Additional Exposed information Country XXXX XXXX Location, Full Name, and more Related to XXXX - XXXX XXXX Incident

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX is repeatedly calling me early in the mornings almost daily, sometimes twice. When I work nights so it is constantly waking me up causing distress as well as violating my rights. This is harassment. This is the call log from the past month. XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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