vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Previously, XXXX XXXX XXXX attempted to collect an alleged debt of {$1800.00} from XXXX XXXX XXXX XXXX. I disputed the debt and requested the original signed purchase agreement from XXXX XXXX XXXX, and explicitly stated that no other documentation would satisfy my request. XXXX did not provide the signed purchase agreement and instead only provided billing statements and account summaries, which I do not accept. Following my dispute, XXXX ceased collection and deleted all reporting. 

Now, Credence Resource Management is attempting to collect the same alleged debt. On XX/XX/year>, I sent Credence a formal dispute and pre-reporting legal notice, requesting only the original signed purchase agreement from XXXX XXXX XXXX XXXX, the original creditor. Credences only communication was a generic notice claiming a balance of {$1800.00}. They have not provided the original signed purchase agreement or any other validation. 

As of today, Credence has not provided the requested document. I am requesting that Credence either produce the original signed purchase agreement from XXXX XXXX XXXX XXXX or permanently delete the account and cease all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received this American Express XXXX XXXX on the week of XXXX XXXX. I attempted to use this gift card to purchase items from an discount website specifically for product experts called XXXX ( XX/XX/XXXX ) Upon attempting to use the card, I received errors stating there were problems with the purchase and that my payment method could not be verified. 

I contacted American Express ( XX/XX/XXXX ) and was led through a script about how only trusted merchants that require the expedition date, XXXX or trusted information can be used. XXXX requires all of these, such that to their point the transaction should be valid. AMEXs solution was to delay my call until a supervisor could be available, which has not occurred. 

This experience has happened to me before, and I posted an identical complaint in XXXX which should be visible on my account. I have multiple of these cards, and would like to lodge a complaint for all XXXX of them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
I had opened an account. My account was restricted and closed within XXXX week of it being open. I could not adjust any settings in my account.I had no control in share lending. Sofi assets failed to transfer my assets to XXXX resulting in a margin call and financial gains. Sofi has locked me out of my account. I am not able to contact Sofi securities. If Sofi sells my assets, in order to mail me a check. This will result losses and missed significant financial gains. 
All my shares were purchased through a cash account. I currently am unaware of the status of my shares. I will post documents soon. I believe there is more violations, and keep engaged in this process

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Sezzle Inc.
State: CA

Complaint narrative:
I ordered from XXXX using Sezzle on XX/XX/XXXX for {$190.00}. Each payment was meant to be {$48.00} every XXXX weeks. On XX/XX/XXXX, Sezzle charged me {$72.00}. 

I had an old card on the account that had been set as my default payment in the app, but I bought from XXXX using my current card, and set the payment method up on that card. On Monday, XX/XX/XXXX, I received an email from XXXX XXXX ( my old bank ) that my card had been declined for insufficient funds for Sezzle. But, when I checked the app, it showed it would be charged to my current card. Because Sezzle charged my old card, they tacked on a {$6.00} failed payment fee and a {$16.00} late payment fee. 

I called customer service and they said it was my fault and they would not refund me because my current card was not set as my default card. Even though I set my current card as the card to use when I bought the order from XXXX. 

I got verbal confirmation from the customer service agents that this is how they run their business. Even if you order with a card, if it is not set as the " downpayment card '' they will charge a different card. But when I tried to remove my debit card that I had used to order, the app told me I was not able to remove it because it was the downpayment card on my XXXX order. I have screenshots of this as well. So the customer service agent told me it was my fault for not updating my payment method to make that the downpayment card, even though the app said it was my downpayment card already. 

Sezzle refused to refund me the {$23.00} for something that the agent confirmed I was doing what was supposed to be done. 

No other pay in XXXX service operates like this, and nowhere does it state that the default card will always be the XXXX charged even if you choose another card upon purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC
State: CO

Complaint narrative:
I have called the company from XX/XX/XXXX and they told me that my phone number was wrong that they had on file. I told them that was not the case that I still have that number and not to change or delete the number from file. I then tried to log into the account in XX/XX/XXXX to make a payment and they informed me that they would update the system and allow me to get in and make a payment. Still was locked out of my account XXXX I called again and they told me the same thing. I did mention that this is starting to damage my credit score and compile late fees, but they told me I needed to send in a copy of my phone bill and that it could take 14 - 21 business days to get fixed. I did that and then in XXXX was still locked out and called again. They said that they will get it unlocked, but nothing happened. I called again on XX/XX/XXXX and told them that was my number, and I needed access to my account. Which they allowed me to get into my account. This company locked me out of my account, causing me to get late fees, and damage my credit with 90+ late payments on my report. This is not right nor fair, as I paid my bill on time before this event occurred.

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have written multiple times. You people have done absolutely nothing. 

I have requested information on your file against Apple and the settlement about them not investigating charges and further they're tricking people into sharing credit cards. 

Here the issue is, I had my own credit card, my wife had her own credit card for credit. There was nothing new going on. All I was doing was sharing my card with my wife so she wouldn't use her card. In Apple Share means share it doesn't mean become a co-signer or any of that stuff. There was never any application. As I said, my wife already had a {$20000.00} limit, I already had a {$20000.00} limit. Why would I connect XXXX? 

I complained about this multiple times. You guys did nothing. Then you end up suing them and you have a prevailing follow asking them to separate doing it. 

Can you please have them separate these cards? My card in my heart should not be as coast. They should be standalone credit lines as the beginning. I beg you, don't just come up with some nonsense. You guys already investigated them. You already penalized them. Don't do anything beyond that. Can you provide some relief to the American people? Also, there's a {$4000.00} credit that they claimed XXXX times. I reinvestigated XXXX times, and now once today investigate because they could have never reached the vendor that they're claiming the charge was valid. You guys did nothing there either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NY

Complaint narrative:
I tried calling this collection agency about this balance and why it keeps going up every month and every time I try to call I be put on hold and then it hangs up. Theres no way that this account is in collection and it keep going up. I tried calling the collection agency and they put me on hold to wait for the next agent and then it hangs up after five minutes I cant speak to nobody to dispute this. This must be removed from my credit report. And I do not owe this amount at all. The highest amount says {$5600.00} but the amount owed is {$6700.00}. This dont make sense this is a scam and needs to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I am disputing the Credit Acceptance hard inquiries dated XX/XX/year>XXXX  and XX/XX/year>. I did not authorize multiple credit inquiries from the same company on consecutive days. This appears to be a duplicate inquiry and no permissible purpose exists for more than one pull. Please investigate and remove the duplicate inquiry in accordance with the Fair Credit Reporting Act.

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 2026-01-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
In XX/XX/year>, I made a purchase to XXXXXXXX XXXX XXXXXXXX in the amount of {$72.00}. This purchase was then canceled by the merchant however funds were still withdrawn from my account. I filed a dispute with Way2Go and provided proof of cancellation by the merchant. Way2Go closed my dispute claiming no wrong doing due to me initiating the purchase. I called to file an official appeal to this decision and asked for all documentation used in determining the denial and have not received this information. I was furthermore told today that I could not file an appeal to the decision. I feel as though a thorough investigation was not performed because how can you determine that someone still pay for products when the merchant canceled the order. I also feel as though Way2Go is denying me my appeal rights and causing a delay in providing documentation to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint against NATLCRSYS for reporting inaccurate, incomplete, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act. 

NATLCRSYS is reporting this account as a joint collection/charge-off with a balance of {$1000.00}, yet the account contains material inconsistencies across credit reporting agencies and lacks required information to support its accuracy. The Date Opened is reported differently between XXXX, XXXX, and XXXX, and the account shows no Date of Last Payment, no Date of First Delinquency, and no payment history, despite being continuously reported as delinquent. 

Additionally, the account reflects conflicting Date Last Active information, including activity as recent as XX/XX/year>, even though there is no corresponding payment, transaction, or contractual activity to substantiate this reporting. This creates the appearance of artificial account re-aging. 

The tradeline includes generic comments such as meets FCRA requirements and customer disputed account reported by subscriber, which do not identify what documentation was reviewed or how the account was verified. Boilerplate statements do not satisfy the requirement for a reasonable investigation under the FCRA. 

Because NATLCRSYS has failed to report a complete and accurate history of this account and has not produced documentation validating the debt, the information being furnished is misleading, incomplete, and not maintained with maximum possible accuracy, in violation of 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: VA

Complaint narrative:
On XX/XX/XXXX, I received a personalized promotional email from XXXX XXXX, co-branded with Chase, stating that I was XXXX points away from earning the XXXX Companion Pass. The email provided a specific example indicating that spending {$1900.00} on XXXX XXXX purchases, explicitly including XXXX XXXX XXXX, would satisfy the remaining points requirement at a XXXX earning rate. 

Relying on this representation, and solely to qualify for Companion Pass, I purchased a total of {$2000.00} in XXXX XXXX XXXX on XX/XX/XXXX and XXXX, XXXX  using my Chase XXXX XXXX XXXX credit card. These purchases would not have occurred absent the promotional guidance. Additionally, I postponed taking trips in XXXX and XXXX because I understood that I'd have a Companion Pass in XXXX. 

Although the points posted correctly, I was later informed that the spending did not result in XXXX XXXX qualification. XXXX directed me to Chase, and Chase confirmed correct posting on XX/XX/XXXX. 

I am requesting executive review and an equitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: IL

Complaint narrative:
L J ROSS ASSOCIATES XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research L J ROSS ASSOCIATES XXXX  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 the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
CareCredit, through Synchrony Bank, is engaging in practices that I believe are misleading and unfair to consumers. I have contacted them multiple times regarding interest charges applied after promotional periods expired. Prior to the expiration of one promotion, I proactively reached out to address the balance. I had other charges that that carried 0 % interest for the life of the charge. 

I was later informed that unless I specifically call to allocate each payment, payments are automatically divided among all balances evenly. This requirement was never clearly disclosed to me, nor was I informed that payment allocation must be handled manually by phone. As a result, interest was assessed on a balance that should have been paid first. 

I am formally requesting that all interest charges related to this issue be removed and that my payments be reallocated to the promotional balance that was set to expire first. Charging interest without clear and transparent disclosure of these payment allocation requirements is unfair and deceptive. 

I am a single mother of four working to provide for my family, and the addition of these interest charges has created significant financial hardship. This unexpected increase has made it extremely difficult to keep up with my payments and has placed my household finances under serious strain. I have made repeated attempts to contact CareCredit to resolve this matter and have submitted two formal complaints to date, neither of which has received a response. 

Given the lack of communication and the financial impact this has caused, I am requesting immediate resolution. I am also aware of numerous similar complaints documented online, which suggests this is a widespread issue rather than an isolated 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 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I used Remitly as I did for few years to transfer {$9500.00} to my XXXX XXXX  XXXX XXXX account in XXXX. Account fully compliant with XXXX disclosures. 
As soon as I submitted the request using ALL valid and accurate data ( my remote IBAN number used in the past btw, phine number and all necessary information ), I receive an immediate email saying the transfer is pending because of the destination bank limits! THIS IS JUST NOT TRUE. There are no such limits for remote Moroccan banks as they fully comply with XXXX and international regulations given verification of income sources etc. 
What surprised me is despite the fact that Remitly immediately debited my account, they did NOT send money as requested. When I called their customer service on XX/XX/year>, I was told THEIR Intermediary bank partner is the issue! SO THIS IS MISLEADING and plain wrong given that their email clearly stated the destination bank had limits on the transfered amount. 
I was frstrated saying why did they take my money first before validating upfront? 
I cancelled the transaction expecting a PROMPT refund. Yet, their representative said it may take XXXX business days. So they take people money before validation of what is needed THEN they sit on it for days making interest. 
I want a prompt refund and hopefully a serious change to this misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: IL

Complaint narrative:
I am filing a complaint regarding Ally Banks failure to return funds from a check that was never credited to the recipient and remains unresolved after multiple alleged investigations. 

A large check was presented and deposited by the receiving bank ( XXXX XXXX / XXXXXXXX XXXX  XXXX ). The recipient was never credited. Ally debited my account and initiated multiple investigations, but after more than 20 business days, Ally was unable to provide a clear written determination as to whether the check settled, was reversed, or was blocked prior to settlement. 

Ally previously opened investigation cases including Case ID XXXX, Escalation ID XXXX, Check Tracer ID XXXX, and XXXX  reference XXXX, but frontline representatives stated they had no visibility into the investigation team and could not confirm the status of the funds. 

I have now closed the underlying transaction. Since the receiving bank was never credited and the funds remain unaccounted for, Ally opened a new funds-recovery / ledger-correction case ( Case ID XXXX ). 

Despite this, Ally has not returned the funds or provided written confirmation of the checks settlement status. I have not requested any stop, block, or reversal of payment. 

I am requesting that Ally Bank provide a written determination of the checks status and immediately return the funds. 

For reference, the funds were debited from my Ally Bank account ending in XXXX, for a check in the amount of {$50000.00}, on or about XX/XX/year>. The receiving bank was XXXX XXXX/ XXXXXXXX XXXX XXXX. Ally reference numbers are included above. 

Thank you.

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 2026-01-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
My Banking Direct will not provide me with correct information regarding balance of Visa Debit Card I received from XXXX XXXX XXXX XXXX XXXX Card. Card showed " XXXX Balance '' when I never used the card. I contacted the and they put a Dispute and sent me a new card. The new card also shows " XXXX Balance ''. I contacted them and was told by Manager by the name of XXXX that it was denied because I disputed these funds after Unlimited Time. Told her that I was never informed of Limited Time when you can use this card. She said they sent me a letter dated XX/XX/XXXX stated that this card was denied. I never received such letter and asked for a copy and she said she was going to send it to me same date we spoke and as of today XX/XX/XXXX I have not received anything from this bank. Called them on XX/XX/XXXX spoke with XXXX who told me to send another appeal. That's why I'm filing this complaint with you.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kovo
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation