vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
There is a collection on my account that I do not own from a XXXX with XXXX. I have not had a XXXX account for over XXXX years this collection was open in XX/XX/year> I am not aware of it nor own it. I am not with XXXX I have no account with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Tried Linking a second bank to this particular bank ( Barclays ) they immediately froze my account, rejecting online access. During a phone call, they stated the reason was that they need additional security information if I try to link a senond account. They asked for Drivers license and a resent bank statement be emailed to them. That was a week ago. I called back yesterday ( XX/XX/year> ) and they said they had not received my account yet, I said I wanted to close the account and they said I couldn't until my case was reviewed.

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 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I paid off a a vehicle loan from Vystar Credit Union in XX/XX/year>. I paid cash at a teller, whom told me congratulations and I paid off the remaining balance in cash. A month later my bank ( another institution ) was auto withdrawn in the amount of the vehicle loan even though it was already paid off. I have a confirmation letter stating it was taken as part of a payment plan for said loan XXXX. I called Vystar to report the loan was paid off and I would like a refund. They stated I needed to contact my bank and tell them it was a fraudulent charge and have a case pursued to get the funds back to me. In my opinion Vystar should not be able to auto withdraw after a bank has closed on the loan. I was also not instructed to close the auto payment agreement when I paid off the loan. I don't want to wait for a case to be resolved the bank that fraudulently took my money should give it back to me. They claim that they can not do that. The money wasnt applied to anything and they simply stated if I wait 7 days it will just go to the savings account they have on file for my social. It was taken fraudulently and I want it back from the bank and I dont want to wait for it to magically appear in my savings account.It is owed back to me

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and incomplete credit reporting by Citibank regarding account number XXXX. This account is being reported as a charged-off secured credit card with a balance of {$190.00} and continuing negative payment history. I have previously disputed this account with the credit reporting agencies, yet Citibank verified the account without providing sufficient documentation demonstrating the accuracy of the reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report information that is accurate, complete, and capable of verification. My credit report contains numerous inconsistencies including multiple invalid date comments and missing or incomplete payment information, which raises serious concerns about the accuracy of the data being furnished. Additionally, this account is a secured credit card account, meaning it was backed by a security deposit. However, the reporting still reflects an outstanding balance of {$190.00} without clarification regarding the application of the security deposit or proper accounting of the charged-off amount. I have attempted to resolve this issue through disputes with the credit reporting agencies, but the account was verified without adequate investigation. Under the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation of disputed information. This inaccurate reporting is causing significant financial harm because I am currently attempting to qualify for a home loan, and this charge-off account is negatively impacting my mortgage eligibility. I am requesting that Citibank provide full documentation validating the accuracy of the reported balance, payment history, and application of the security deposit, or immediately delete this account from all credit reporting agencies.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent funds through Cashapp to an individual that I have done business with before. This time, the business could not be rendered, however funds were already sent. When I reached out to recipient, they were reluctant to give me back funds sent and later stop responding. Reached out to Cashapp 3 times, the first two times they said I COULD submit a claim. The 3rd time, I called they stated I COULD NOT, submit a claim due to me not using a Cashapp card! Thats not fair, funds were removed from the Cashapp account/app. However I was able to submit a claim through the app ( and will be filing a police report ) and have to await 10 days for a resolution. Not sure of decision that will be made as this is my first time. But Im submitting this claim for some type of further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
On XXXX XXXX a {$4.00} monthly fee was charged to my checking account, after calling Chase Bank and requesting why ive received this monthly charged but haven't before there was no explanation. Once an escalation was offered i was told that i would be charged for all monthly charges that haven't been posted previously and have to pay the balance. Once asked again why is that when i should have been charged for monthly fees and asked for corporate i was given the main call number to Chase Banking, which was the number i was already on the line with, and case was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX ] FCRA SECTION XXXX RIGHT TO PRIVACY ( XXXX U.S.C. XXXX ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. FCRA SECTION XXXX ( a ) ( XXXX ) NO WRITTEN AUTHORIZATION GIVEN ( XXXX U.S.C. XXXX ) Pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION XXXX IMPROPER LATE PAYMENT DESIGNATION ( XXXX U.S.C. XXXX ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under XXXX U.S.C. 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 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
An initial {$3000.00} loan was sent, but no loan documents were provided before the funds were disbursed. When it came time for the first payment, that is when I was given a link to my account. When I downloaded the loan document for the first time, I noticed that they had forged my e-signature Also, they called me from an alternate number and gave me death threats

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Validation of Debt Request - CREDENCE RM - XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYSTXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-03-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo since 2010 was using my account as their on closed my account because there act stealing my and son benefits unauthorized charges never gave my money back had a lawsuit with them still dont know the outcome was transferred money to another bank account opened savings account overdraft fee when I knew I had money they have several accounts open in my name

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management placed a collection notice on all XXXX reporting agencies late XXXX. The collection attempt is for a XXXX bill that was paid and closed more than XXXX years ago. I sent XXXX a letter under the fair credit reporting act Section 623 ( a ) ( 8 ) to either verify or remove the collection and XXXX removed it early XXXX. The debt has reappeared on my credit report as XX/XX/XXXX, and is reported by this collection agency. I believe this a " zombie '' debt relisting, and should be deemed illegal under the fair credit reporting act and the fair debt collection practices act. XXXX XXXX, this collection agency has been cited and requested by consumers to cease and desist on many occasions. Certified letters have been sent to both Credence and the credit reporting agencies requesting verification or removal of the derogatory listing per the FCRA and the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information currently being reported on my consumer credit file. I previously disputed this matter in XX/XX/XXXX and provided documentation confirming that the account in question resulted from identity theft. There was no response within the timeframe nor did they provide proof the account belongs to me. Despite my submission of an identity theft report and supporting documentation, the account continues to be reported through Experian XXXX. i filed another dispute in XX/XX/XXXX and they still refuse to delete this information off my reports This continued reporting constitutes a failure to conduct a reasonable investigation and a failure to block identity theft information as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Under the FCRA, consumer reporting agencies are required to promptly block information resulting from identity theft upon receipt of a valid identity theft report. Additionally, consumer reporting agencies must complete a reasonable investigation of disputes within XXXX days. Your continued reporting of this fraudulent account after receiving my documentation is a violation of the Fair Credit Reporting Act and has caused harm to my credit profile and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
Payment-crediting rules under the Credit CARD Act Good afternoon, I have an account with Mountain America Credit Union and for the last 3 months they have been processing my payment after the due date when it falls on a weekend, even though I make the payments a day or 2 before the due date shown on the statement. This happens when the due date falls on a weekend. Though they have worked with me in resolving the issues from the last 2 months, they are now refusing to reimburse me for an interest charge wrongfully applied. The issue is as follows : 1. The XX/XX/year> XXXX credit card statement had a due date of XX/XX/year> ( Saturday ) 2. I paid the full amount of the statement ( {$4800.00} ) on Friday, XX/XX/year> before XXXX XXXX. 3. I received an email confirmation on XX/XX/year> at XXXX XXXX confirming the transfer toward my credit card statement. 4. Now I have the XXXX statement ( due on XX/XX/year> ) showing a balance that includes the {$4800.00} paid on XX/XX/year>, thus affecting my credit score. 5. The XXXX statement includes an interest charge of {$66.00} I request a review under the payment-crediting rules of the Credit CARD Act. I did submit a complaint with the XXXX, but they mentioned I needed to submit a complaint with the CFPB The company information is : Company name Mountain America Federal Credit Union Headquarters address XXXX XXXX XXXX XXXX XXXX, UT XXXX United States Mailing address XXXX XXXX XXXX XXXX, UT XXXX United States XXXX phone number XXXX Website https : //www.macu.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
am requesting a formal review of my student loan account due to concerns that I was improperly steered into repeated forbearances instead of being informed about or placed into an income-driven repayment plan. While my loans were serviced by XXXX, I contacted them seeking help with affordable repayment options. Instead of explaining income-driven repayment plans or helping me enroll in one, I was placed into multiple periods of forbearance. As a result, interest continued to accrue and my loan balance increased significantly. I later learned that income-driven repayment plans were available during that time and could have provided affordable monthly payments while preventing excessive interest growth. My loan was eventually transferred from XXXX to MOHELA. I am concerned that the handling of my account during XXXX servicing period caused financial harm. I am requesting : A full review of my account history during the period XXXX serviced my loans A determination of whether I was improperly steered into forbearance instead of income-driven repayment Any applicable corrections, payment adjustments, or relief available due to improper servicing practices

Company response to consumer: Closed with explanation