vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
On XX/XX/year> I contacted Credence Resource Management requesting a debt validation on an account I did not recognize. When I connected with them they stated that the account was already reported on my credit and would remain until a balance was paid in full. They then after my 2nd request and transference to a supervisor stated they would send the requested information. I never received the information and on XX/XX/year> I contacted Credence Resource Management again at the XXXX day mark. At this point I advised them that I had not received the documentation within 30 days as is required under the FDCPA. The manager at this time stated he would resend the validation. I stated that I did not want another validation to be sent as I was only requesting removal at this time. I called again on XX/XX/year> and was transferred to a supervisor and was informed that the account was under investigation due to my previous request and that I should call in again to follow up on XX/XX/year>. The manager also stated that another validation had been mailed out. I received this document dated XX/XX/year>. This was XXXX days from my initial request for validation when the document was received. On XX/XX/XXXX I called again and was instructed to allow more time and that I should receive more information soon. I called on XX/XX/year> and requested to speak with a supervisor as I still had received no communication regarding my request for removal. No resolution was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cianfrone, Nikoloff, Grant, & Greenberg, P.A.
State: FL

Complaint narrative:
On XX/XX/year>, the collection agency recorded a Claim of Lien against my condominium unit asserting a total debt of {$2500.00}. After I disputed the amount, the same firm issued a written Debt Verification Letter dated XX/XX/year>, verifying the total unpaid amount as {$1500.00}. The debt verification did not explain or reconcile the discrepancy between the lien amount and the verified amount. The account history enclosed with the verification reflects balances substantially lower than the lien and omits a known refund issued earlier in XXXX. Despite conflicting written representations of the alleged debt, the lien remains recorded securing the higher amount. I am requesting review of whether these practices comply with Federal Debt Collection Laws. I have also submitted a complaint to the XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) regarding the same collection activity, limited to state consumer collection compliance and licensing oversight. The CFPB complaint is submitted independently and is focused specifically on federal debt collection requirements, including the accuracy and consistency of debt verification and representations made in writing. All factual statements are supported by the attached documents, which include a recorded Claim of Lien, a subsequent Debt Verification Letter, and an account history supplied by the creditors managing agent. Attachments : Claim of Lien ( XX/XX/year> ) Debt Verification Letter ( XX/XX/year> ) Account History / Ledger

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson Capital Systems , LLC reached out regarding a XXXX bill I supposedly owe money on. I have never had XXXX This occured on XX/XX/year>. Claim payment could be made with XXXX payments of {$80.00}. I have not responded or opened any links sent by the message, but I did check to ensure they are a real company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Booked XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX which includes XXXX XXXX XXXX XXXX through Chase XXXX- This include Breakfast and Evening Lounge access Hotel had no record of lounge access at check-in Called Chase XXXX XXXX and they confirmed it was in their system but couldn't resolve it I was directed by Chase to pay out of pocket ( {$790.00} ) and email for reimbursement ( Customer service created ticket # XXXX and Trip ID : XXXX XXXX days later, no response from Chase XXXX ( I send an email to XXXX as advised by customer service )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Newport Intermediate Inc.

Complaint narrative:
I am submitting this complaint regarding a blocked transfer of my wages in the amount of {$2300.00} from XX/XX/XXXX, which remains unresolved after more than XXXX years. I received my wages through a prepaid payroll card program managed by North Lane Technologies and issued by XXXX XXXX XXXX, with the transfer processed through XXXX. The transfer was blocked under review by the XXXX XXXX XXXX XXXX XXXX ( XXXX ). I was instructed to apply for an XXXX XXXX in XX/XX/XXXX. However, the company has now confirmed that the funds were not reported to XXXX until XX/XX/XXXX, meaning my application could not be processed because XXXX had no record of the funds at the time. This demonstrates that I was instructed to take action prematurely, which directly contributed to delays. In XX/XX/XXXX, I was provided with transfer documentation that does not correspond to my transaction. The document references a different transfer dated XX/XX/XXXX, in the amount of {$3100.00}. Furthermore, the identifying details in that document including address and country do not match my personal information. The only matching elements are my first and last name. All other information is inconsistent with my identity and my transaction. Despite this, the company continues to assert that the documentation belongs to my account without providing any verifiable supporting evidence. At this stage, I formally request that the company provide clear and verifiable proof to support their claim that both transactions belong to my account. This must include : Account identifiers demonstrating that both transactions are linked to my profile Full transaction history showing both transfers originating from my account Internal records explaining how a transaction containing different identifying information is attributed to me Without such evidence, the assertion that this document belongs to my account is not credible. Additionally, the company has confirmed that the funds exist and are being held, but continues to require an XXXX XXXX for release while failing to address the procedural errors and incorrect guidance that contributed to this situation. Key Issues I was instructed to apply for an XXXX license before the funds were reported There was a delay between XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) I was provided with documentation that does not match my transaction The document contains identifying information inconsistent with my identity The company continues to assert ownership of the document without proof The funds have been withheld for over XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In XX/XX/year> I mis-typed the payment for our mortgage by XXXX cents. The bank called on XXXX and said we missed our payment and were in default. We were not, the problem was their system did not recognize our payment because it was off by XXXX cents, they did take it though from our checking account without question, they just didn't properly credit it to our account. I sent them {$10.00} to cover the mis-typed XXXX cents that same day. I and my husband then received a threatening letter stating we were in default and there were fees accumulating against us for the non-payment. We called them today to figure out how to proceed. They refused to reverse the late fee even though the payment was made on time and was only off by XXXX cents. I requested a copy of the policy for this sort of fee because it seems obscene that they could not adjust their system to remove the late fee over a net difference of XXXX cents for which they were paid immediately with an extra {$10.00} on top.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Exto Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding Atlas Credit Card / Atlas XXXX for deceptive practices involving payment application, available credit, and failure to honor rewards. Over the course of my account history, I have repeatedly experienced situations where payments made toward my balance are not properly reflected in my available credit. For example, I recently paid a balance of {$150.00} in full. After the payment processed, my available credit only increased to {$48.00}, leaving {$100.00} unaccounted for in terms of usable credit. When I contacted customer service, I was told that my payment applies to my balance but does not necessarily restore my available credit, and that the company determines my spending power. This practice was never clearly disclosed and is inconsistent with how a standard credit card operates. Additionally, I was promised that my accumulated rewards would be paid out as long as my account remained in good standing. I followed all instructions provided by the company, including making a payment on a specific date to trigger the release of my rewards. I maintained my account in good standing as required. Despite this, I never received my rewards. I am now being told that I will not receive them until XXXX, which directly contradicts prior representations made to me. These practices are misleading and lack transparency. Payments appear to be applied in a way that reduces my balance without restoring my available credit, and promised rewards have not been delivered despite meeting all stated conditions. I have also found that other consumers report similar experiences. I am requesting : 1. A full and detailed accounting of all payments made and how they were applied 2. Restoration or reimbursement of any funds not properly reflected in my available credit 3. Immediate payout of all rewards I earned under the terms previously communicated 4. A clear written explanation of how available credit is calculated and why payments do not restore it as expected I believe these practices may be deceptive and harmful to consumers, and I am requesting a formal investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
After being a value customer with American Express for over XXXX years. I've never miss a payment nor been late with a payment for over XXXX years. Amex frozen all my credit cards for no reason at all. I called in to speak with a supervisor name XXXX with my Attorney XXXX XXXX XXXX XXXX. XXXX, the supervisor said that the reason for my credits cards being frozen was because a change in my spending habits. Meanwhile, I pay off all my credit cards balances prior to the due date. This way I'm saving myself interest. Then she express, that if I don't send in my financials my credit cards will be permanently closed for good. Which will destroy my credit score moving forward. All the years of being a great and value customer with American Express it appears they are now doing shady business practices. Due to American Express not making interest on me. They're being unreasonably unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
I was contacted by XXXX XXXX XXXX stating he was XXXX XXXX. He stated I had an outstanding debt for Total Visa in an amount of XXXX ( this is close to the amount ), how would I like to handle that. He threatened me with wage garnishment, and when I informed him I had settled a total visa account and received a paid in full letter. He went on to state that they did not have the right to offer me that low of an amount, and that I should speak to my attorney. I asked if he could verify the original account number so that I could compare and make sure this was the same debt or a different account. He refused and said not to belittle him. At this time I requested to speak to XXXX XXXX who was the person leaving me voicemails and he again refused. He then pressured me to set up a settlement arrangement and give my card information for a settlement offer. I asked again if I could get in writing the agreement before giving my card information. He refused. I later called back to get his contact number and name. I called again later after being advised by the CFPB representative to ask for documentation an to get the professional license number. He again refused and threatened to delete the arrangement if I continue to call. I even requested he transfer me to someone else again, and he again refused. Stating in XXXX of his working he has never had anyone try to rush to process and that I will get my paperwork when I get it.

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 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
In XXXX of XXXX I submitted a loan application for XXXX and it was approved. Before the deposit was my to my account I spoke with a XXXX agent whom explained the loan. As the agreement is over XXXX pages the verbiage can be very confusing so I made sure to ask questions on the repayment structure. To my understanding they provided a repayment structure for the minimum payment but if wanting to you could provide an additional payment which would go towards the balance that you owed. During the first months of repayments being paid I reached out to the company to request a breakdown as the actual balance was not going down but a fee was being collected by the company. After many months I paid over {$2800.00} to the company when my initial loan amount was only {$2200.00}. Due to a new hardship I unfortunately requested an additional cash advance for {$750.00} but in this moment I was still making payments towards this account that put me back on track if still owning more although I paid the balance amount back. After months of speaking with the company trying to get a better understanding of the repayment structure I was then met with agents with complete attitudes, I was hung up on and I was also advised that I would have to stick to the original structure. I then put all my debt into a credit counseling program. XXXX accepted the terms of the credit counseling program but every month they tried to increase the monthly deposit although the program made many attempt to keep it within the original agreed upon amount XXXX wouldnt accept the payment. Although I paid more than what was required of the loan amount and many many attempt to pay back the amount they advised although I didnt agree to it they sent me to a collection agency. I am not being contacted by XXXX XXXX XXXX and they are requesting an amount of {$2500.00}. Again Ive made many attempts to pay the amount although I already paid way over the amount owed, requested many breakdowns and documents other than the statements on the website and I been met with rude and dismissive agents and now a collection agency. This company prays on customers in hardship, and everyone should know.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XXXX, I entered into a solar loan agreement with Dividend Finance based on repeated verbal representations made during the sales process that the system would cover 100 % of my electricity usage and that I would only need to pay a fixed monthly payment of approximately {$110.00}. These statements were a key factor in my decision to accept the loan. However, the system has not performed as represented. It produces significantly less energy than expected, and I am still required to pay substantial monthly electricity bills in addition to the loan. As a result, my total monthly cost is higher than what I would have paid without the system. My concern is that the loan was obtained based on misleading and inaccurate information presented during the sales process. The expectations created at the time of sale do not reflect the actual performance or financial outcome. I contacted Dividend Finance to request a review of the loan and a resolution based on these concerns, but I did not receive a meaningful response. I am requesting a formal review of this loan and a written response addressing the circumstances under which it was originated.

Company response to consumer: Closed with explanation