vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
I was previously sent to a debt collection agency by XXXX for a debt that was not mine in XX/XX/year>. I was able to submit a complaint on CFPB and was able to have it resolved and the debt cleared. This XXXX I received a text from XXXX claiming that my account had been placed for collection, this time with a different debt collection agency named Credence. I haven't bought anything or had any reason for XXXX to be able to charge me in between, so I'm assuming they are trying to collect debt that has already been resolved. I also haven't received any contact from Credence since the text, so I am unsure of whether or not it is real. I haven't contacted XXXX because they have genuinely awful customer support, and it would be a waste of my time to even attempt to make sense of this with them. The previous complaint ID is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 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: CITIBANK, N.A.
State: TX

Complaint narrative:
A ) I bought two watches on XX/XX/year> from XXXX : XXXX wrist watch and XXXX wrist watch. Below is the transaction from my Citi bank credit card statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} ( XXXX XXXX XXXX ) Note : According to XXXX, this watch to be delivered first, and XXXX did claim that it was delivered even though item was never received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} ( XXXX XXXX XXXX ) Note : According to XXXX this watch to be delivered couple days later than XXXX XXXX which they did delivered, but to a wrong address and a wrong person. Hence, I did not receive this watch as well. Note : XXXX refunded me {$480.00} on XX/XX/year> after I reached out to them for XXXX watch because they realized that the item was delivered to a wrong address. I have the proof and will attach along with this complain. D ) Now, the issue starts when I started dispute with Citi bank for Item not received regarding XXXX XXXX for {$650.00} Initially, Citi bank credited my credit card with temporary credit of {$650.00}. But when dispute was resolved, the letter tells me that dispute was resolved on my favor. But my credit card was credited with {$160.00} instead of full {$650.00}. Hence, I do not know where did my other credit of {$480.00} disappear because my card was only credited with {$160.00}.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Bank offered a {$300.00} checking account bonus for opening a new account with promo code XXXX and completing qualifying direct deposits. Ally stated that the bonus would be paid by XX/XX/XXXX. I met all requirements, but the bonus has not been issued. I opened a new Ally checking account on XXXX and funded it with {$50.00}. I then completed XXXX qualifying direct deposits of {$1000.00} each, on XX/XX/XXXX and XXXX, satisfying the promotional terms. After the second deposit posted, Ally confirmed that I had met all requirements and that the {$300.00} bonus would be paid by XX/XX/XXXX. That date passed without payment. I contacted Ally customer service three separate times to resolve the issue. Each time, I was told that a request for payment had been submitted on XXXX, and that the process would take 3035 business days. This contradicts the original promotional terms and the payment date Ally provided. As of today, the bonus still has not been issued.

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 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Upon talking via the supposed law firm which does not identify there firm without first being asked, they said they were going to sue for a lein on our property. This company threatened to sue for a supposed credit card debt that originated in XXXX to Citibank and included a tolling clause, for which Citibanks was sued and lost a XXXX XXXX dollar settlement for I believe fraud and adding such clause a tolling forms. The only Citibank account to the best of my knowledge have had purchased the accounts from XXXX XXXX If what was related to me by the Law firm the original retailer was XXXX, which was included in a XXXX in XXXX. They also did not say at anytime that the conversation we had would be or was being recorded. This harrasement has been going on for more than 4 years it last came from number XXXX and previously from XXXX. They continually call and leave a message saying last chance to resolve an account before they seize assets in court. I believe this to be a complete scam set up because when I XXXX there name and address it does not come up as being associated to the address given. Please find XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Also they would not identify an existing account number. And you can only reach someone by verifing the last four digits of a social. Sincerly Please Help

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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
URGENT : Case ID XXXX - Discriminatory Account Restriction & Threatened Liquidation. On XX/XX/year>, my brokerage account was restricted following a phone interaction where a representative stated my account was flagged because my voice 'did not match my gender profile. ' This is a discriminatory practice. Despite my immediate submission of a government-issued photo ID and a biometric selfie for manual verification, the company sent a notice stating they intend to close the account and liquidate all assets ( stocks and cryptocurrency ). The company 's closure notice directs me to contact support via phone or chat for assistance, yet they have simultaneously disabled all support contact buttons within my mobile application, preventing any internal resolution. I have also designated a Trusted Contact ( per FINRA Rule 4512 ) to verify my identity, which the company has ignored. The company is currently threatening an unauthorized liquidation of my private property. I am seeking an emergency stay on all asset sales and a manual compliance review of my identity documents. The forced liquidation of my holdings would cause me irreparable financial harm, including significant realized investment losses and unplanned tax liabilities exceeding around XXXX. I am being denied the right to manage my own private property and tax strategy due to an erroneous and discriminatory identity flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
This debt is from a company I never did business with Credit Control LLC. They purchased a debt from XXXX for {$360.00}. I have never done business with XXXX. I have been a victim of identify previously that has been reported and I have a statement on my credit as such. When this XXXX bill originally appeared on my credit I disputed it and it with T-mobile and it was removed immediately, it wasnt mine. Then It was placed with XXXX XXXX XXXX which reported this previously disputed account on my credit and I started receiving harassing phone calls. I disputed this again on my credit it was then removed. Then it was sold to XXXX XXXX XXXX given to which reported this 2x previously disputed account on my credit I disputed this again on my credit it was then removed. Now the account was sold to Credit Control LLC of which I have disputed this 3x now the 4th time I am disputing it. The have not provided any requested documentation within time frames required and are just ignoring my disputes. They purchased this debt what appears to be in XX/XX/year> and started reporting it as a new account as of XXXX which is fraud.

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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/scrub>XXXX/2026, I sent a payment of {$310.00} through XXXX to purchase a XXXX XXXX XXXX XXXX camera from a seller on XXXX XXXX. After payment was sent, it became clear that the seller was fraudulent. The item was never delivered to me, and the tracking information provided was suspicious and did not correspond to a legitimate delivery to my address. I immediately reported the transaction to Chase as fraud and explained that I was deceived into sending the payment as part of an online scam. I provided details of the sellers inconsistent messages and the non-delivery of the item. Chase initially denied my claim. I called again and requested further review. After persistence, a claim was opened, but it was denied again despite the clear evidence that I was a victim of deception and did not receive the goods I paid for. I authorized the payment only because I was misled by a fraudulent seller. I would not have sent the money had I known it was a scam. This transaction resulted from deception and constitutes fraud. I believe Chase failed to properly investigate the fraud claim and did not adequately consider the evidence of online marketplace deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Since the re modification of this loan prior to covid I agreed with a modification of my Equity home loan at 3.25 % interest only loan. I have an outstanding loan of {$110000.00} and each month my payment is the same at $ 599 month. I called cause on interest only loan for a equity amount of this much interest should be only $ 340 month and I must pay a minimum of {$590.00} almost double. This has been ongoing for 6 years now and each time i ask inquire about it. Another TD bank rep gives me some excuse. Nothing solid making sense why. I was toild oh since i was late there was an additonal interest. Then i was told it was wrong on the agreement but cant tell me how much i am charged. I am struggling on paying this higher amount of {$590.00} since this was never agreed to and yes I have become behind. I made it apoint last XXXX months to be on time and to see if i would then be charged correctly. Of course nothing changed and on my last call I was told now i am current they told me still i am being charged {$11.00} per day late fee each day even though i was already current in the last 6 months. Please reach out to TD to find out why I am charged more than what was agreed to in my modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. I have reviewed my credit report and identified numerous entries that are inaccurate, incomplete, or unverifiable, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). Below are the disputed account with supporting legal reasons for each. I request immediate deletion or full investigation based on the data furnishers inability to maintain factual accuracy. XXXX XXXXGS BANK USA XXXX XXXX XXXX XXXX, 2021 Balance : {$5400.00} The reporting of a charge-off by Goldman Sachs lacks itemized monthly history, which is a material omission and constitutes an incomplete report under FCRA 607 ( b ). No notice of charge-off was issued, violating FCRA 623 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX I reached out to Chase Bank about two accounts I had in the year of XXXX. Both accounts were closed. One was a personal checking account and the other was a joint account with my previous partner. I did not get much information from both the bank fraud department or the bank customer service agent. I was just told that I would not be able to open an account in that my previous accounts were closed due to fraud. I did explain to them that fraud was completed on the accounts not by me bye-bye a relative at the time that I no longer speak to due to this issue they stated that they couldnt give me much information, but that the bank does not want to do future business with me. I did explain to them that I would like to get this resolved to get this off my account again they say that there was nothing I can

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
I am disputing an inaccurate {$360.00} collection ( Account # XXXX ) from XXXXCredit Collection Services XXXX My vehicle was a total loss on XX/XX/year>. I have official XXXX XXXX XXXX proof showing ownership transfer on that date. I spoke with XXXX today ; they refused to help, claiming 'too much time passed ' and told me to call the XXXX XXXX This is a violation of the FCRA. TransUnion has already verified my proof and removed this account, but it remains on my XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
" I authorized a debit to Abound for an international transfer, but the company failed to deliver the funds to the recipient as instructed. Their promised delivery date of XX/XX/year>, has now passed, and they have stopped responding to my requests for a status update or a refund. They replied back after relentless pursuit stating funds will settle in XXXX days but that was false promises '' Transaction Summary Provider : Abound ( by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Expected Settlement Date ( Initially Per Abound ) : no later Then XX/XX/year> Later Settlement Date changed to : XX/XX/year> Now i dont see any expected settlement date on there site. Communication Timeline XX/XX/year> : I initiated a support chat ( Request XXXX ) to inquire about the speed of my remittance, noting my XXXX membership status. I subsequently followed up to ask how to expedite the transfer. XX/XX/year> : An Abound representative named XXXX XXXX replied, stating that transfers typically take XXXX business days. The representative confirmed the transaction was initiated on XX/XX/year>, and provided an expected settlement date of XX/XX/year>. XX/XX/year> : I returned to the chat to ask why XXXX members experience these delays and questioned the lack of a customer care phone number. After sending multiple messages ( " Hi? ", " Anyone there? ", " Hello? '' ) and receiving no reply, I emailed support directly to request a status update on the transfer. XX/XX/year> : I followed up in the chat again, requesting an update or a full refund if the transaction could not be completed at the provided rate. I sent additional messages throughout the morning requesting a response, but Abound support continued to ignore my inquiries XX/XX/year> : I reached out to abound through XXXX, after couple of days, someone responded through email they are looking into this on priority, and will update you in XXXX XXXX XXXX days, and I replied to that email but not XXXX responded back. I added the email chat XXXX XXXX XXXX XXXX XXXX : Every time I reach out to them, they say XXXX days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
On XXXX at XXXX I received an email from the company Shop Pay via Affirm that a loan in the amount of XXXX at 22.38 % XXXX was taken out in my name for a purchase from the vendor XXXX XXXX. At the same time this occurred, my email account was subscribed to spam mail as an attempt of obfuscation. I contacted Affirm and they verified that this loan was taken out. I have never used the Affirm platform nor their services. I reported the fraud to XXXX XXXX, and XXXX, having them place a freeze on my credit with alerts set up as well. I contacted the XXXX XXXX Police Department to file a police report. I reached out to XXXX XXXX, now XXXX & XXXX Locks, over the phone via the number associated with their online Point of Sale website; they claimed they no longer use Shop Pay, had no record of my purchase, and that someone has been impersonating them online. XXXX & XXXX XXXX is going to investigate this matter on their end. On XXXX Affirm denied my fraud claim stating After a thorough review, our investigation found that the activity was associated with your account, and the loan remains your responsibility and that I can submit additional documents for a second investigation. I have been providing evidence to Affirm via email and the only response I receive back is that they are unable to view my submissions, but when I contact them over the phone they confirm they are able to see the evidence I provide. There is no way for me to fill out a web affidavit as the links they provide go to web pages that no longer exist ; when I request a Fully Qualified Domain Name and path they fail to provide one, their email responses are obviously automated and fail to confirm requested statements and evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX th 2026 I bought a phone and other items from XXXX, about XXXX to XXXX days later the phone stopped working and the watch! Which I paid {$940.00}, for such items! I tried to get a refund on the items at the XXXX store but XXXX declined to give me another phone nor watch! I notified chime to dispute said payment and they also refused to reimburse me my money! And also on XX/XX/XXXX th or XXXX XXXX I was denied a refund from chime. XXXX XXXX hotels over charged me XXXX or something! Chime refused to honor my dispute resolution in violation of FDIC, which is the federal direct insurance act, which institutions like chime have an XXXX insurance policy on all accounts. Chime which have mostly all foreigners working for them are XXXX and use bias against the American people and has refused to uphold federal laws. Chime also reliated against me by issuing my direct deposit a lot later than usual! On my last direct deposit I received it at XXXX pm which is XXXX minutes after cut off time to receive direct deposits. On my two previous deposits came at the XXXX o'clock pm hour!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: MO

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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I sent XXXX to my Coinbase account via XXXX network ( XXXX ). The asset is currently held in a Coinbase-controlled wallet. Coinbase support initially confirmed that engineers would review and credit the funds to my account. However, I am now being forced to use a self-service recovery tool with an extremely high fee ( XXXX ETH / ~ {$4000.00} ). Since Coinbase controls the private keys and custody of the asset, I am requesting a fair resolution such as manual recovery or reasonable fee adjustment. I believe the current recovery fee is excessive and the change in support responses is inconsistent. I request escalation and a reasonable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECREDis 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation