vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I am filing a complaint regarding several accounts I hold with Chase Bank that have been inaccessible since XX/XX/2025 with resolution to date. I am a non-U.S. resident currently located in XXXX. My situation is as follows : XXXX of my accounts appears active, and I continue to receive monthly bank statements. However, I am unable to access it because my login credentials ( password ) do not work and can not be successfully reset. XXXX additional accounts remain dormant and inaccessible. In order to resolve this situation, I executed a Power of Attorney, which was officially certified by the XXXX XXXX in XXXX. My authorized representative presented this document in the United States. However, Chase Banks legal department rejected this Power of Attorney, stating that my identity could only be recognized on XXXX territory. No clear legal justification has been provided for rejecting a document certified by a XXXX XXXX. I recently have also been advised to submit a written request to a Chase office in Texas in order to request account closure and a wire transfer, with an estimated processing time of at least XXXX months. Despite my full cooperation, including submitting certified identity documents and using a formally recognized Power of Attorney, no effective solution has been provided. As a result, I have been unable to access my funds ( approximately {$5000.00} ) for more than 10 months, while still receiving account statements. I respectfully request that Chase Bank : Provide a clear explanation for the rejection of my Power of Attorney certified by the XXXX XXXX in XXXX XXXX a clear and actionable process to restore access to my accounts Resolve the login access issue on my active account OR proceed with closure of all my accounts and transfer of all funds within a reasonable timeframe This situation, ongoing since XX/XX/2025, represents an excessive and unreasonable delay and is causing significant financial hardship. . I request a prompt and formal resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed inaccurate and unverifiable information on my credit report and requested a reasonable investigation. Despite my dispute, the credit reporting agency continues to report the same information without providing verification or evidence that the accounts are accurate. This failure to properly investigate and correct inaccurate information violates my rights under the Fair Credit Reporting Act and is causing financial harm.

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 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX I deposited XXXX checks to my savings account. XXXX of which were Cashiers checks from XXXX XXXX Credit Union and the XXXX one was a Cashiers check that I purchased with my name on it as the remitter from HUNTINGTON. Huntington bank made a mistake and said I stole it. They have since apologized but that doesn't fix several things. XXXX ) They closed my account which I needed to align with a {$200000.00} State of Ohio opportunity for Domestic XXXX Victims XXXX ) Amending a XXXX report XXXX ) Putting me in cheque Systems XXXX ) The fact that they claimed they closed the account because I didn't bring a notarized letter, but I did and watched XXXX scan it. She acknowledged its receipt in an attached email. XXXX ) The amount of time I've spent I cant get back. Huntington National Bank updated their physical system on its mistakes but has yet to fix it. XXXX ) They never communicated with me, ask me questions, or provided ANY instructions. Just a letter saying account close NO EXPLAINATION I want and need my account restored ASAP. I've been with Huntington a very long time with no corcerns or issues. This is a minor fix that can be immediately managed to redeem our long-term relationship. BANKS are NOT always Right. Thanks for your support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Statement of Facts : XXXX. Incident & Root Cause ( XX/XX/year> ) : Citibank N.A. placed a block ( " Frozen '' status ) on my funded Checking Account without prior notice. My credit card was set to Autopay from this specific Citi account. XXXX. Failure of Performance : Due to the bank 's own internal block, the Autopayment was declined. I possess documentation from Citibank explicitly stating the payment failure was due to a " Frozen Account. '' It is legally and logically impossible for a consumer to fulfill a payment when the creditor ( Citibank ) is the same entity blocking the source of funds. XXXX. Financial Damages : Citibank has billed interest charges and late fees on the credit card account. Additionally, this block caused " Returned Check Fees '' from third-party vendors. I have since paid the full balance under protest to mitigate further interest damages, but I am seeking a full refund. XXXX. Banks Evasive Response : I have engaged with the Citi Executive Response Team ( Ref : XXXX and XXXX ). The banks responses on XX/XX/XXXX and XX/XX/year>, are identical automated templates. They claim the charges are " correct '' per the Card Agreement but deliberately fail to address the " Frozen Account '' status that prevented the payment. Conclusion : The bank is penalizing me for a delinquency they caused. This constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ). The bank has refused to conduct a manual audit of the checking account block and continues to provide generic responses that do not address the evidence of their own operational error. Desired Resolution : Full reimbursement/credit of all interest and late fees associated with this incident. Reimbursement for documented third-party " Returned Check Fees. '' Correction of any negative credit reporting ( FCRA compliance ).

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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
I am filing a complaint against SoFi Bank for deceptive marketing practices and bad-faith denial of earned referral bonuses ( referrals : XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX signed up XX/XX/XXXX ). Throughout the week of XX/XX/XXXX, I contacted SoFi support multiple times. The bank provided a series of conflicting and demonstrably false statements to avoid paying the advertised " No Deposit '' referral bonus : False Denials : Support first claimed my referral, XXXX XXXX, never opened an account. When I provided a screenshot of his " Welcome to SoFi '' confirmation, they changed their story, claiming he had " unmet requirements. '' Deflection : They then told XXXX there was a " problem with my account '' to stop him from inquiring. When I contacted support to verify, an agent explicitly confirmed in writing that my account was " open and active with no restrictions '' and that I was fully eligible for bonuses. Broken Promises : That same agent promised a " bonus exception '' was being filed to manually credit my account. The XXXX : Hours later, I was sent a generic email claiming the XXXX limit had been reached. Evidence of Deception : An account manager later admitted on the phone that the XXXX limit was reached at XXXXXXXX XXXX on XX/XX/XXXX. However, SoFi sent me a marketing email at XXXX XXXX on XXXX XXXXnearly 10 hours after the alleged limittelling me that the promo was active and to keep referring friends. SoFi used my labor and my personal referrals to gain new customers through active solicitation, only to retroactively apply a secret quota they knew had already been met. This is a clear violation of XXXX guidelines regarding deceptive acts and practices. I am seeking the {$200.00} in bonuses I earned based on the bank 's own timestamped advertisements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I need this company to send a notice verifying the debt. I have not received any information concerning this collection account and where it is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FourLeaf Federal Credit Union
State: HI

Complaint narrative:
Four Leaf Credit Union. I was not mailed any tax documents, which I believe is a violation ; I was able to download documents, but the 1098 for the Home Equity Line of Credit is incorrect. It is XX/XX/XXXX and I still have not received an accurate 1098. This must be a legal violation and I would like to know how to have this documented and added to any similar complaints as this can not be a singular incident.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am disputing and requesting validation of an account being reported or collected by I.C. SYSTEM, INC, as I do not have sufficient evidence confirming that this debt is valid or properly attributed to me. I have not received any documentation establishing a contractual relationship, nor have I been provided with a complete account history or breakdown of the balance being claimed. Given that this is a third-party collection agency, I am particularly concerned about whether proper procedures were followed in acquiring and reporting this debt. I have not been provided with proof of assignment, chain of custody, or documentation verifying that this account was legally transferred and accurately reported. These concerns, combined with the lack of transparency, suggest the possibility of inaccurate reporting, misidentification, or a data breach, where my personal information may have been improperly associated with this account. Under 15 U.S.C. 1692g ( b ), I am requesting full validation of this debt. Under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a proper investigation, and under 15 U.S.C. 1681e ( b ), only accurate information should be reported.

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 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I had a lease with rental company and I had no damage when I moved out. I actually moved out XXXX weeks before the end of the lease so i could get it cleaned properly. While i lived there i cleaned the carpets every XXXX months. When i moved out i noticed while it was still under my name for the lease that there were fans set up in my unit when i stopped in to finish cleaning the apartment. When i asked about it they said that the upstairs unit had flooded so they needed to dry the carpets. This had nothing to do with me or anything that i did. After the carpet was dry i finished cleaning the place. When my official move out date came they did not do a walk thru with me but i did take a video of the place to show that there was no damage. Weeks later they tried charging me for new carpet. Now they are trying to collect over XXXX dollars for an apartment that had no damage. They are showing me no proof of damage and they have done this before to other renters. Please help me to have them stop collecting for a debt that i don't owe. I have uploaded pics.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Invoice provided was to a person with the same name but at an address I have never lived at. No confirmation of matching social security number or other validation. Credence Resource Mangement then filed another collection on my credit report for the same amount but with a different account number. I believe that Credence Resource Management is a scam operation that files collection reports and then when contacted asks for {$290.00} or more to " resolve '' the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
This complaint is a follow-up to CFPB Case # XXXX, which was closed without resolution. The company claims that notifications regarding a new {$10.00} fee were sent on XX/XX/XXXX and XX/XX/. However, I did not receive these notifications via email, mail, or in-app alert, and the company has not provided any proof of delivery or evidence that I had reasonable access to this information. Simply stating that notice was sent, or that documents are available in an app, does not demonstrate that proper notice was given for a material change involving fees. As a result, I was denied a fair opportunity to close the account before the deadline and avoid the charge. I am requesting : 1. Verifiable proof that notice was delivered or made reasonably accessible to me, and 2. Reversal of the {$10.00} fee as a goodwill adjustment due to lack of proper notice. This issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: MN

Complaint narrative:
AVANT said they can not remove the fees. in XX/XX/year>, I requested Avant remove the monthly maintenance fee of XXXX a month on my card, They said they could not. Period. I asked that they put me in touch with a supervisor, I told them that I intended to close the account if the fee could not be removed. They said the supervisor would call me back. He did not. So I did what I said I would do, I paid off my card in full and just in case they decided to put a fee on I over paid by XXXX. Told him to close the account. They acknowledge the full payment with the XXXX overage. XXXX came around that bill included XXXX credit and an XXXX fee giving me a XXXX balance... again .. XX/XX/XXXX, Avant applied another maintenance fee of XXXX. That payment was due on XXXX XXXX. I paid through the AVANT portal XXXX it cleared my bank the same day. I then had a XXXX ( " XXXX '' ) balance again. I used their CLOSE MY ACCOUNT option in the Avant Portal. This generated an immediate " We have received your request to close your account. ".. it shows my account closed on XXXX XXXX. The fee is added to the bill on or around the XXXX of the month on average. My account was closed BEFORE the statement end date which is the same date they fee is applied, the XXXX of the month. Avant added the fee on my bill again. I called and they again refused to remove the erroneous fees and keep adding the fee every month and a late fee every month. What they are doing is illegal. What they are doing is trying to destroy my credit when I used them to try to repair my credit. They have a history of doing this. Please help me in getting them to STOP charging me fees on an account that is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year>XXXX I purchased two items from XXXX XXXX XXXX and, upon leaving the store, realized both were used. Checked date on one item ( perfume ) and it was one month shy of six ( 6 ) years old. Returned to store to return products and was advised that they will only do exchanges. They need to disclose that to consumers before a final sale and not printed on the receipt AFTER the sale. Sales associate called owners, who refused return. Sales associate exchanged one used product with another that also turned out to be used, but in better shape. Of note, that product turned out to have been priced {$20.00} over manufacturer pricing. Store did not have replacement for the other used and outdated item, suggesting I choose a different product. Sales associate would not guarantee that any product for which I made an exchange was new and fresh versus used. I did not want to purchase more used product and conveyed that to the young sales associate ( she looked to be in her late teens and was clearly very uncomfortable dealing with the situation ). I left the store, walked perhaps 25 feet to nearby seating in the mall, and called my credit card company. Provided overall details to Apple Card 's Goldman Sach 's team by phone and filed the dispute. Then received a text from Apple Card Specialist XXXX, asking for more details. I provided : - Photo of receipt - Photos of both visibly used products, including photos of barcodes - Provided lot number of aged perfume ( disputed item ) and website to verify that the product was one month shy of 6 years old at the time of sale ( perfume doesn't typically stay fresh after 3 years ) - Screenshot of Apple Card charge as proof of purchase What followed, and is documented in the PDF of my final email with Goldman Sachs, was that the charge went back on my card, based solely on the merchant replying that I chose not to make an exchange. No context appears to have been taken into consideration. I opened two more disputes with the same outcome. This is greatly disappointing, and my takeaway from this experience is that Goldman Sachs supports their merchants - and merchant abuses- over their customers. Attachments - PDF of recap email provided to Goldman Sachs, at their request. - Text with Apple Card where I, at their request, provided photos of used products, original merchant receipt, and the website to check the age of the product, which was 5 years, 11 months old. Thank you for your kind consideration of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
XXXX XXXX Subject : Formal Complaint Illegal Reinsertion of Deleted Account ( FCRA Violation ) To Whom It May Concern, I am filing this complaint regarding the illegal reinsertion of a previously deleted account on my credit report. The account in question was previously disputed and removed from my credit file. However, it has since been reinserted without proper notification or certification of accuracy, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Under the FCRA, once an account is deleted, it may only be reinserted if : 1. The furnisher certifies that the information is complete and accurate, and 2. The consumer is notified in writing within 5 business days of the reinsertion I did not receive any written notice of reinsertion within the required timeframe. This failure alone constitutes non-compliance with federal law. Additionally, I have not been provided with : - Any certification of accuracy from the furnisher - Any documentation validating the debt - Any evidence that the reinsertion meets FCRA requirements This continued reporting of unverified and previously deleted information is inaccurate, misleading, and damaging to my credit profile. I am requesting the following immediate actions : 1. Permanent deletion of this account from all credit reporting agencies 2. Written confirmation that the account will not be reinserted again without full legal compliance 3. Documentation of the method of verification used to justify reinsertion 4. Identification of the party that certified the account as accurate If this matter is not resolved promptly, I will pursue further action for violations of the FCRA, including but not limited to statutory damages. This is a formal complaint and request for investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 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: NY

Complaint narrative:
Jefferson Capital repetitively sends me requests to send me money for a debt that I do not owe. I do not have any contractual obligation to pay money to Jefferson Capital and/or any of their affiliates. This collection agency also is not able to provide me with any chain of title for this alleged debt. I already asked Jefferson Capital to cease and desist from contacting me, however, they are very persistent in doing so.

Company response to consumer: Closed with explanation