vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I discovered I was a victim of identity theft when I went in person to XXXX XXXX to apply for a store credit card and the store XXXX informed me that an account already existed under my XXXX XXXX number. The XXXX explained that the account was not under my name, but instead under the name XXXX XXXX. I never applied for, authorized, signed for, or used this account in any way. 

The fraudulent account is associated with the billing address XXXX XXXX XXXX # XXXX, XXXX, RI XXXX. This is not my address and I have never lived at or authorized any account to be associated with that location. The account number provided to me ends in XXXX. 

Since XX/XX/year>, I have contacted Citibank XXXX XXXX to report this fraud and request immediate action. During every call, I have clearly explained that this is an identity theft case and that the account does not belong to me. However, Citibank has repeatedly given me the same response : that I must wait until the person listed on the account responds to letters or phone calls. This approach is unreasonable and unacceptable because the individual listed on the account is potentially the person committing the fraud. 

Citibank also sent me a letter requesting that I verify my identity. I complied with their request and provided the required identification to confirm that I am the legitimate owner of the XXXX  XXXX  number associated with the account. Despite this, Citibank has still failed to close the fraudulent account or correct the issue. 

As of today, the fraudulent account remains open and continues to show an outstanding balance, which may be negatively affecting my credit report and exposing me to financial liability. In addition, my credit report reflects a Citibank XXXX XXXX XXXX with this issue, which I did not authorize and did not initiate. 

I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and I am requesting Citibank to take immediate corrective action.

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 2026-02-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
According to my records, I have had this account with Marcus by Goldman Sachs since late XXXX. As a savings account, I have not engaged in much activity with it. Late last year ( in XXXX ), I started receiving calls and messages saying something was wrong with the account and I needed to reach out. When I went online to see the status of the account, it was " temporarily '' locked. So, I called them -- I believe that was late XXXX. No one could give me any info. I was on the phone for well over an hour being transferred. Ultimately they said someone would reach out. After not hearing anything back, I believe I reached out a few weeks later. Different people, same story -- '' well, we can't tell you what's going on with the account '' even though it was my account. The last guy I talked to said they were going to close the account out and return my funds to the original account used to seed the account. Then in XXXX, I received another letter saying they needed to talk to me again about the account. ( Well, if the account is being closed, what do you need to talk to me about?? ) From my cell phone records, I can say that they called me twice on XX/XX/XXXX, I returned that call same day ; then on XX/XX/XXXX, I returned that call ; then on XX/XX/XXXX, I returned that call. I finally told the woman on the XXXX that this seemed like a SCAM since every time they call, it is like a whole new conversation and it seems like they just wanted to get my personal info ( XXXX, etc. ). Then on XX/XX/XXXX, I received a letter that the account was closed! Since I had NOT received my funds back, I called. I was then told that since the account was closed, I had to file a dispute to have it REOPENED to see if they would give me my money back!!! When I explained I have had all these conversations over the last XXXX months, the girl on the phone called me a liar and said they only have a record of me calling them ONCE with NO calls by them to me! WHAT!! So, I have filed a dispute with them but the girl on the phone made it sound like they were NOT going to do anything to return my money! Very poor service all the way around for MONTHS and MONTHS!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I am under a lot of stress because of this. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year>, I discovered unauthorized reward points redemptions from my Chase Sapphire account ending in XXXX and Chase Freedom account ending in XXXX. The points were redeemed for XXXX gift cards, which I never authorized, never received, and never benefited from. Chase normally sends me email/text alerts for charges over {$10.00}, but I received no notification for these redemptions. 
I immediately reported the fraud to XXXX XXXX XXXX, blocked both cards, and was assured the points would be restored. Instead, Chase denied my complaint on XX/XX/year>, claiming I was responsible without providing any evidence. I submitted a review application, but on XX/XX/year>, Chase again denied my claim, stating the redemptions were valid. When I asked for the investigators name and documentary evidence, Chase refused to provide either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Account XXXX XXXX XXXX I'm unaware of this debt and didn't have the opportunity to dispute the account if you believe you sent proper notification please provide certified mail with receipt displaying my signature if not please delete this account as soon as possible from my account or I will have to take legal action Date opened XX/XX/year> Amount {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
I attempted to purchase a vehicle on [ XX/XX/year> ] for {$4800.00}. When I tried to transfer the funds, the transaction was flagged and I was instructed to contact Chime customer support. 

During my first call, the representative did not provide clear information regarding the issue. I requested to speak with a supervisor, at which point the call was disconnected. When I called back, I spoke with a representative named XXXX, who transferred me to another representative identified as XXXX. 

During that call, I was informed that there were no funds in my account. However, I have documentation, including screenshots, showing that funds were present in my account at that time. While I was still on the phone with the representative, I was unexpectedly logged out of my account and was unable to regain access. I was instructed to reset my password, which I did. I did not share my new password with anyone. Shortly afterward, the call was disconnected again. 

After calling back and receiving assistance from another representative to regain access to my account, I discovered that all funds had been removed. This included my checking account balance, savings balance, and other funds associated with the account. 

I remained on the phone with customer support for approximately XXXX hours and XXXX XXXX. During this time, I was transferred among multiple departments without resolution. Representatives were unable to provide consistent information regarding my account balance prior to the incident. Some representatives indicated my balance should have been approximately {$2700.00}, while others provided lower amounts. At no point was I given a clear explanation for the missing funds. 

I possess documentation supporting my claim, including recorded phone calls, account balance evidence, and transaction records demonstrating that funds should have remained in the account. Based on my records, the total amount that should have been in my account is approximately {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XX/XX/year> Collection Agency Name Address Unknown Re : Alleged Account No Account Number Provided To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt. No valid account number was provided to me, and I do not recognize this debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute this debt in its entirety and request full validation. Please provide the following documentation : XXXX. The name and address of the original creditor. 
XXXX. The original account number associated with the alleged debt. 
XXXX. A complete itemization of the amount claimed, including principal, interest, fees, and any additional charges. 
XXXX. A certified copy of the original signed contract or agreement bearing my signature that created the alleged obligation. 
XXXX. Complete documentation of the chain of assignment if the debt has been sold or transferred, including a bill of sale specifically referencing my alleged account. 
XXXX. Proof that your company is legally authorized to collect debts in the State of Wisconsin. 
XXXX. Proof that the statute of limitations has not expired on this alleged account. 

Until you provide proper validation and documentation, you must cease all collection activity, including reporting this account to any credit reporting agencies. If this account is currently being reported, it must be marked as disputed. 

If you are unable to provide the requested documentation, you must immediately cease collection efforts and delete any reference to this alleged account from all credit reporting agencies. 

This letter is not a refusal to pay, but a formal notice that the debt is disputed and validation is requested. This request is made without acknowledgment of liability. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHRISTUS HEALTH
State: TX

Complaint narrative:
I don't know what this debt is for ... can you please provide more information for us. Than you!! 
Account # XXXX Patient Name : XXXX XXXX XXXX ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I am submitting this complaint against Aldous & Associates regarding a collection account they are reporting and ongoing collection conduct that appears to violate federal consumer protection laws. 
This matter involves an alleged debt originally related to a gym membership. The underlying account has already been resolved directly with the XXXX. Despite the account being resolved, Aldous & Associates continues to report the collection on my credit reports and continues active collection efforts. 
Issues of Concern XXXX. Inaccurate Credit Reporting ( Potential FCRA Violation ) Aldous & Associates continues to report a collection account that is no longer valid. The underlying obligation was resolved with the original creditor, yet the collection account remains on my credit file. Reporting a debt that is resolved, settled, or no longer legally collectible may constitute furnishing inaccurate information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 
XXXX. Continued Collection Activity on a Resolved AccountDespite resolution of the underlying account, Aldous & Associates continues to attempt collection activity. This raises concerns that the agency is attempting to collect on a debt that is no longer owed. 
XXXX. Harassing and Improper Communication Practices ( Potential FDCPA Violations ) I continue to receive repeated calls during evenings and weekends, including : * Calls from multiple phone numbers * Use of voicemail drop technology * Repeated attempts using varying telecommunications methods XXXX. These practices may violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : * Harassing or abusive conduct ( 15 U.S.C. 1692d ) * Calling at inconvenient times ( 15 U.S.C. 1692c ( a ) ( 1 ) ) * Potential use of deceptive or evasive dialing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Company : Santander Bank I have a car loan with them, unfortunately and I regret it. 
On XX/XX/XXXX, I made my XXXX  car loan payment. I want to make partial payments biweekly, so I made a partial payment on XX/XX/XXXX. Both of these payments I made them with my banking info ( because that's the only free option they offer ) on their website. Those payments went through with no problems, when I tried making another partial payment on XXXX with my banking info and all of a sudden that payment declined. It gave me a error message stating that my banking info couldn't be found ( even though they found it XXXX  before and payments were process those times ) and to call Santander, so I called. They told me to call my bank to see if maybe there was an issue with my bank, so at that time I needed to make payment because payment was due so I gave my debit card and paid {$3.00} extra to be able to process it. I called my bank and my bank told me there was no issues on their end. 
I called Santander on XX/XX/XXXX ( because again I couldn't make payment with my banking information ), spoke to " a XXXX '' who told me they were going to look into this and call me back, but they never did. 
I called Santander back again on XX/XX/XXXX to see if this was resolved and they informed me that it takes XXXX  months and in XXXX I will be able to make payment with my banking information. I called XXXX on XXXX to make payment with my banking information and guess what? ( Yup, you guessed it ) I was unable to make payment with my banking information, at this point I am so upset because everytime I can't make payment with my banking information, I have to make payment with my debit card, which they charge {$3.00} each time you use it ( And making biweekly payments, those {$3.00} adds up ). 


They don't know what they are doing. They are rude and give you wrong information just to get you off the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692! of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. 
Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title including all assignments and transfers of the alleged debt ; XXXX. A bill of sale or purchase agreement proving legal ownership of the debt ; XXXX. Proof of licensing to collect debt in my state.

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 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX account number XXXX I'm unaware of this debt and didn't have the opportunity to dispute the account if you believe you sent proper notification please provide certified mail with receipt displaying my signature if not please delete this account as soon as possible from my account or I will have to take legal action Date opened XX/XX/year> Amount {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XX/XX/XXXX I sent a proof of contract request notarized and by certified mail for the debt amount {$10000.00}. Account number XXXX. I have not received anything back from them. So I am now escalating this matter to your organization. Yesterday I sent another notarized letter by certified mail following up with initial dispute- date : XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: U.S. BANCORP
State: WA

Complaint narrative:
I all started in XX/XX/year> after I was in an accident on the XXXX. I contacted Us Bank to ask them what my options where due to my work hours where reduce from 10hrs to 8 hrs daily, which resulted from 40hrs to 32hrs per week due to the injury and the kind of work I do. Us Bank sent me out mortgage assistance paperwork, which I filled out in my deceased mother 's name, the loan is in her name for we are under an estate, Us bank was informed and all appropiate paperwork was sent to them verifing her death. I recieved notice from Us bank notifing me the paperwork needed to be filled out in my name, due to I was asking for the assistance ( I'm the successor to the real property ) I filled out the 2nd mortgage assistance papperwork in my name and sent it off to Us Bank, some back and forth with documents I was approved for assistance in late XX/XX/year> and on XX/XX/year> I called Us Bank to ask the customer service agent about the approval and she informed me it wasn't a good deal and I should reject it, after speaking to her for another few minutes she insisted I reject this offer and wait for a better offer from Us Bank. A third mortgage assistance request was made to Us Bank and they lost my paperwork, the bakn addmitted they lost it and the requested paperwork they asked for never got to me witch resulted in a deniel. Now a fouth morgage assistance paperwork was filled out and sent to Us Bank upon their request, things went somewhat smooth, that request was denied for Us Bank said I wasn't elgbile, By this time I'm months behind in payments, due to Us Bank wouldn't accept payments for theyh told me I protected under the assisstance program. Now I'm in foreclosure and a fifth mortgage assisstance paperwork was filled out upon Us Bank request.

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