vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 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: FL

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 1681e ( 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 2026-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX stated I needed to turn the equipment in to them. I turned the equipment in, therefore this amount is not correct. Company did not send an Itemized bill stating where the charges came from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am not sure what is going on, but I have disputed these accounts multiple times and have never received a response. This has become very frustrating, and I am concerned that my efforts to address these issues are being overlooked. If I made an error in the process, it was certainly not intentional, as I have been doing my best to handle this matter properly and in good faith. Please carefully review the attached letter and conduct a thorough investigation into these disputed accounts. I am requesting that my credit report be made complete, accurate, and fully compliant with all applicable reporting requirements as soon as possible.

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
I received a printed XXXX XXXX Barclay 's XXXX brochure on a recent XXXX flight in mid XXXX. This was handed out by the flight attendants on the flight. They have done this on several flights. This time I decided to apply for the credit card because it included XXXX miles and INSTANTLY gave XXXX XXXX XXXX after the first purchase on the credit card. ( On the brochure it said to include offer number : XXXX. This was written on the brochure. ) I applied for the XXXX XXXX Barclay 's XXXX on XX/XX/XXXX and was approved within a few hours. I applied online and I included the promotional code above. I received the XXXX XXXX Barclay 's XXXX in the mail on Tuesday XX/XX/XXXX. I made a payment of {$860.00} with the card on the same day XX/XX/XXXX. I checked my XXXX status on XX/XX/XXXX and XX/XX/XXXX and it was not updated to XXXX XXXX XXXX. I contacted XXXX Customer Service and they said I had to spend {$1000.00} to get XXXX XXXX XXXX. I told them I had received a printed offer and it's 'better ' than the one they were reading to me from their XXXX website. I then submitted copies of the brochure through their online document submission process and I'm waiting for 24-48 hours to hear back from them. I contacted Barclay 's customer service to ask if they had a way to resolve this issue. They first said I had to wait for the first statement to get the XXXX XXXX XXXX. I reiterated it said " Instant '' and " after first purchase '' and then they said I had to call XXXX XXXX to have the status changed. I believe I'm stuck between two companies and neither are fully aware of what they are offering to consumers, and the promotion is misleading if it's not going to be instant updates on status. If it's going to be after first billing statement - then it should state that and provide an approximation of length of time that would be. I am flying again at the end of the month with XXXX and wanted to use the XXXX XXXX XXXX for the benefits it includes : free carry-ons and better seats.

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 2026-05-07 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I hired a permit /contractor Permits in no XXXX XXXX NY to do cement work at my house. He was unable to secure a licensed contractor so he decided not to take the job after the deposit via credit card was given Of XXXX. The credit card company got credit receipts from the contractor showing refunds of {$1400.00} and {$450.00} dollars via XXXX and a statement noting he was not taking the job and that i was on my own but Barclays refused to credit back my money. I sent numerous letters also to the presidents office but it seems some type of fraud is ongoing and I am out XXXX dollars and they refuse to open up my case to get this resolved never saying why just that time has expired but i been disputing this since XX/XX/year>. The contractor restated he sent over the credit receipts and they took back the money from him but no one knows where it went into any account. XXXX will not discuss anything with me as I am not a customer. XXXX bank who paid my credit card bill has no pending credits to my account. This is an Ongoing dispute for months now with no resolution

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 2026-05-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION
State: WI

Complaint narrative:
Amerisave ( HELOC ) incorrectly asserted a primary lien position to my insurer, XXXX. XXXX XXXX XXXX ( XXXX ) is my primary mortgage servicer. Amerisave ignored XXXX XXXX attempts to collect escrow, leading to a total cancellation of my policy and leaving my home unprotected. I am seeking a full refund of my {$2000.00} loan fees due to this material negligence. Amerisave then sold my HELOC to XXXX, which then sold it to XXXX XXXX. I am past due on my XXXX HELOC payment because XXXX has no record of my HELOC. I don't know who to pay and have received no further information from any party. I had a 3-way call with XXXX and XXXX on XXXX. XXXX sent a check overnight to XXXX and I was instructed to call XXXX on XX/XX/year> after the check clears to try to reinstate my policy at the same premium.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
I have been banking with XXXX XXXX and I have noticed that my direct deposit has been held. I have had several employers and and others with the same bank and they have the same complaint. My funds used to be released by Wednesday night now they are being held until Friday morning after XXXX, which was not the case before. They say its my company but this is happening with several companies and other banks have not had this issue with those employers like XXXX has had.

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 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/year>, I deposited a check for {$340000.00}, representing proceeds from the sale of my home, at a JPMorgan Chase XXXX branch in MA. The bank placed a hold on the funds until XX/XX/year> but failed to provide a written notice stating the specific reason for the hold. Under Regulation CC, banks are required to provide written notice for exception holds, including the reason for the delay and the availability date. In this case, I only received a receipt with a date and no explanation. Furthermore, the issuing bank has confirmed that the funds have been released and are available. Despite this, JPMorgan Chase continues to hold the funds without providing adequate justification or documentation. I have attempted to resolve this matter directly with the bank but have not received a satisfactory response. I respectfully request : Review of JPMorgan Chases compliance with Regulation CC Assistance in obtaining release of my funds. Confirmation that proper disclosure requirements are being followed Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 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: AZ

Complaint narrative:
XXXX XXXX XXXX opened a fraudulent account on XX/XX/XXXX. I noticed this on my credit in XXXX of XXXX as a charge off, and im requesting that this account be blocked and removed from all three online credit bureaus report.

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 2026-05-07 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: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by la w.

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 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
According to section 392.101 of the Texas Finance Code prohibits a third party debt collector from engaging in debt collection if a surety bond is not filed with the Office of the Secretary of State. I have found that Caine and Weiner Company Inc. does not have a surety bond on file with the XXXX. I have contacted the credit bureau with this information and uploaded proof from the XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
rented a vehicle from XX/XX/year> thru XX/XX/year> originally booked with XXXX ( Documentation Attached ), the rental company was listed as XXXX, when arrive at pickup point it was XXXX XXXX XXXX XXXX. What I received was materially different from what was promised. This is a classic baitandswitch situation : the merchant advertised one thing but delivered something else. My credit card was charge initially {$200.00} hold until car is return. Agent stated due to winter storm I needed a bigger vehicle ( notated there was no snow or storms during my visit ), along with told several roads have Tolls, which is only an express lane in which I did not use. When I return the vehicle they electronically sent to my email, when I arrive home I notice a total of {$1300.00} which I did not agree with and does not have my signature on final statement. I attempted to resolve this directly with the merchant, through their website with no response to date, and called the XXXX location and explained what happen, but they refused to correct the issue. Dispute with my credit card company : I filed a dispute with Synchrony Bank on XX/XX/year>, explaining that the merchant misrepresented the product/service. Despite providing evidenceincluding purchase statement from XXXX, and communication showing the discrepancymy credit card company denied the dispute. They did not properly consider the evidence I submitted, nor did they provide a clear explanation of how they reached their decision. I believe they failed to follow the protections required under the Fair Credit Billing Act ( FCBA ), which covers charges for goods or services not delivered as agreed.

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 2026-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I purchased 2 phones and a phone plan from XXXX at a XXXX. I never activated the plan or the phones, and returned them to XXXX within the 14 day grace period. XXXX agreed to close the account since the plan was never activated and the phones were returned. Somehow it went to collections, and ive disputed it 3 times with the collection agency and 3 times its been removed, now its back on my credit report as a collection again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
The mortgage company paid $ XXXX to XXXX XXXX based on a faulty property vacancy estimate by XXXX XXXX. The bank paid the $ XXXX to XXXX XXXX in two batches in XX/XX/year> and XX/XX/year>. The mortgage company did not tell me that the payments were well beyond what they estimated. Had they told me, I would have rectified the issue immediately and prevented further payment. I found out about the 7x overpayment - not through any notification or letter of concern. I found out when the mortgage sent out a routine yearly escrow analysis for the upcoming year ( XX/XX/year> ). All of sudden my escrow analysis went from ~ $ XXXX per month to ~ $ XXXX per month to recoup the debt paid to XXXX XXXX by the mortgage company without my consent. That's when I knew there was a problem. The mortgage company then asked me to fix the problem which I did. XXXX XXXX had to refund all of the overpayment which they did. After that, the mortgage company repeatedly provided faulty escrow analyses that indicated lack of attention to detail and terrible customer service. I believe that there were no less than four escrow analyses done to sort out this problem. I truly believe that the mortgage company would have cost me tens of thousands of dollars through inattention, lack of attention to detail, and fragmented communication between their escrow department and their tax department.

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 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NE

Complaint narrative:
XX/XX/26 I transferred money from XXXX to Chime. The transfer went to a Chime account that is not mine. Chime says they are only a receiver and cant trace the transfer to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review all discrepancies affecting my accounts reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I just found out from XXXX XXXX XXXX XXXX that a new account was added to XXXX credit bureau and i dont recognize it. It was from a collection agency Jefferson Capital System opened XX/XX/XXXX with account # ending XXXX creditor address XXXX XXXX XXXX XXXX XXXX, MN XXXX that i owed {$900.00} from XXXX company which i dont have an account from them. I did not even receive any bill or notice from XXXX and yet I already got a collection account from them. I called XXXX XXXX they said somebody purchased online on XX/XX/XXXX under my name with account # XXXX. I filed fraud from XXXX online and XXXX, and thats when i started to receive paper notice from collection company. I already filed a police report regarding this incident. I would like to dispute this collection and file for identity theft. Please see attached Police Report document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: MoneyLion Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted MoneyLion to revoke authorization for XXXX and XXXX XXXX XXXX membership payments. On XX/XX/XXXX, MoneyLion confirmed in writing that payment authorization had been successfully revoked. Despite this written confirmation, MoneyLion continued charging my checking account from XX/XX/XXXX through XX/XX/XXXX without authorization. These included 12 transactions of {$19.00} and 9 transactions of {$9.00}, totaling {$320.00}. These charges occurred after explicit written revocation of authorization. I relied on MoneyLions confirmation that all payment authorization had been removed. I later contacted MoneyLion again regarding these unauthorized charges, but did not receive a resolution or response despite multiple follow-ups and a reasonable deadline for response. These unauthorized withdrawals also resulted in overdraft or insufficient funds fees assessed by my bank, which I am still in the process of fully itemizing.

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 2026-05-07 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: VA

Complaint narrative:
On XX/XX/XXXX, I was robbed in XXXX XXXX, Louisiana. My phone was stolen. Immediately following the theft, unauthorized individuals accessed my Cash App account and executed approximately 28 fraudulent transactions totaling over {$2500.00}. All transactions occurred on the morning of XX/XX/XXXX. Recipients of the unauthorized transfers include " XXXX XXXX XXXX '' ( {$1200.00}, {$500.00}, {$300.00}, and {$170.00} ), " XXXX XXXX '' ( {$1.00} ), " XXXX XXXX '' ( {$200.00} and {$85.00} ), " XXXX XXXX XXXX '' ( {$8.00} ), and others. I did not authorize any of these transactions and do not recognize any of the recipients. I filed a police report with local law enforcement and submitted an identity theft report with the Federal Trade Commission documenting the robbery and resulting unauthorized account activity. I reported the fraud to Cash App and filed disputes for all unauthorized transactions. Cash App denied my disputes on approximately XX/XX/XXXX, marking them as " Dispute completed '' without providing any written explanation of its findings or the evidence it relied on, as required under Regulation E ( 12 C.F.R. 1005.11 ( d ) ). When I contacted Cash App Support and requested the evidence supporting the denial of my disputes, Cash App did not provide the requested documentation. Instead, Cash App informed me that my account had been found in violation of its Terms of Service and/or Acceptable Use Policy and closed my account, disabling all features including the Cash App Card. The only remaining functionality is the ability to withdraw remaining funds. Cash App 's conduct raises several concerns under the Electronic Fund Transfer Act and Regulation E. First, Cash App failed to conduct a reasonable investigation into the reported unauthorized transactions. Second, Cash App failed to provide provisional credit during its investigation. Third, Cash App failed to provide a written explanation of its findings or notify me of my right to request supporting documents. Fourth, rather than fulfilling these regulatory obligations, Cash App retaliated by closing my account when I requested evidence of its decision. I note that in XX/XX/XXXX, the CFPB issued a consent order ( XXXX XXXX. XXXX ) against Block, Inc. for these same failures conducting incomplete investigations, improperly denying fraud claims, and violating Regulation E. The treatment I have received appears to reflect a continuation of the practices that prompted that enforcement action. I am requesting that the CFPB direct Cash App to conduct a proper investigation, provide a written explanation of its findings with supporting documentation, reverse all unauthorized transactions, and restore my account in good standing. I have a police report and FTC identity theft report available as supporting documentation.

Company response to consumer: Closed with explanation