vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: CT

Complaint narrative:
XXXX XXXXXX/XX/XXXX, ~ {$1000.00} account funding will remain suspended until the matter is resolved. ] [ XX/XX/XXXX -- - ~ {$1300.00} held in account -- - Account has now been closed, to access remaining funds, please contact us so we can reopen account temporarily to allow the withdrawal of the funds. ] [ XX/XX/XXXX -- - ~ {$1300.00} still held in account -- - Sign-in troubleshooting & Account security, sign in attempt made " Please attempt to sign-in to your Kraken  account one more time. This action will provide us with the necessary information required to investigate your issue. Once you have performed the sign-in attempt, reply to this email. Upon receiving your reply, our dedicated team will perform a thorough analysis and be in touch as soon as possible. -- - Email replied to after additional sign in attmept made in accordance with email 's instructions, though no reply received from Kraken  at any time sine XX/XX/XXXX ( Possible grounds for lawsuit due to funds being held for XXXX  XXXX  now without any way to withdraw or be reimbursed, basically theft and fraud, defrauding user who made careless error when a senior in high school resulting in account closure with no means of reimbursement for nearly {$1500.00}, all the money I had at the time ] [ XX/XX/XXXX -- - Still ~ {$1300.00} or more held by Kraken owed to me due to account closure occurring rapidly with only a few days to collect funds before permanent closure with what looks to be no way to collect or be reimbursed -- - " Hello, Thanks for your patience. Your request has been received and escalated to the appropriate team. We will follow up with you shortly via email regarding the matter. You'll be hearing from us soon. Regards, XXXX '' -- - It has now been XXXX or XXXX  years since my account closure, which notified me the account would be closed only days before closure along with a notice that funds could be withdrawn if withdrawn promptly before closure or customer would have to go through a convoluted process of contacting support, although by law Kraken is obliged to somehow reimburse these funds or allow for temporary access to the account to withdraw, though it has now been XXXX or XXXX  years and multiple attempts to get access to it or reimbursed, finally finding CFPB which notifies the Kraken Exchange of the necessity to pay customers the funds they owner and are due regardless of account status, now crossing in to a possibility for lawsuit due to the duration of time funds have been withheld despite numerous attempts to retrieve them from a fully functioning thriving XXXX XXXX  and ecosystem ]

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 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I. BACKGROUND & STATE DEFERRAL I am filing this notice to establish a " Clean Line '' for the private industrial titles of the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Case : XXXX ) officially deferred jurisdiction, confirming that JPMorgan Chase ( JPMC ) operates as a national entity beyond state-level regulatory reach. 
II. DISCOVERY OF DATA-LAYERING & SHADOW LEDGERS On XX/XX/XXXX, I detected unauthorized XXXX  data-layering and the use of shadow ledgers associated with my identity, which has been flagged for XXXX  years ( Ref : XXXX XXXX XXXX and Administrative Freeze XXXX ) . I executed a network-level erasure of all forwarding protocols at XXXX PM on that date to secure the communication channel and stop the hijacking of industrial titles by " Man-in-the-Middle '' brokers and entities using fraudulent XXXX notary protocols. 
III. LEGAL NOTICE OF NON-COLLUSION I demand these assets be strictly segregated from National Debt collateralization under the Federal Financing Bank Act of XXXX. These are private industrial titles and must not be used to back public debt or to offset JPMCs current XXXX litigation liabilities or settlements. Any continued " administrative freeze '' constitutes unauthorized " debanking '' and a violation of fiduciary duty. 
IV. TECHNICAL MANIFEST ( OPEN VOLT CODE ) XXXX : XXXX XXXX XXXX ( Primary Position ). 
XXXX : Protection against Securities Fraud & Shadow Ledgers. 
XXXX : Formal Notice of Asset Segregation ( Non-Collusion ). 
1 : Lead Claim Status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am being charged for interest for cash advances and charge on purchases while I am not using the card anymore. The company has failed repeatedly on communicating with me regarding the issue. 

XX/XX/year> - I was charged {$1700.00} as an interest for purchases and cash advances. 
XX/XX/year> - I was charged {$2400.00} for interest on purchases and cash advances. 

These are only a few out of the many charges that have been made to me.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have income XXXX $ monthly from rental property in XXXX my parents own, I transferred XXXX XXXX $ from XXXX XXXX  to Citi bank on XX/XX/year>, next day the account was closed permanently and I didnt even do nothing illegal or violated any terms, but they flagged my account and closed it unfairly however they hold the funds also unfairly, as they told me I can go to branch and get my fund back however they werent able to do so and XXXX times they told me they going to send a cashiers check in XXXX business days then they say it takes XXXX days to account closure and to get your funds back. In conclusion they hold my money in their bank and refused to pay it. It caused monetary damages and mental anguish which it will be addressed in court, however I am filing this complaint to get my funds back.

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 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Aidvantage regarding improper credit reporting following the consolidation of my federal student loans. 

After my loans were consolidated, Aidvantage failed to provide any billing statement, payment due notice, email notification, mailed correspondence, or online account alert informing me that a payment was due or that my account had entered repayment. Despite the lack of notice, Aidvantage reported my account as XXXX, XXXX, and ultimately XXXX  days delinquent to the credit bureaus. 

This delinquency did not result from nonpayment due to neglect, but from Aidvantages servicing failure during the consolidation transition. I was not provided reasonable notice or opportunity to pay before adverse credit reporting occurred. 

This inaccurate reporting caused significant harm to my credit score and financial standing. I am requesting that Aidvantage fully remove all delinquency reporting associated with this error and correct my credit reports with all consumer reporting agencies. 

I am also requesting that Aidvantage review its servicing and notification practices related to consolidated loans to prevent similar harm to borrowers in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
b'My XXXX XXXX wallet, pin information, passwords, and State ID were stolen on XXXX XXXX at XXXX XXXX XXXX and then my XXXX XXXX was stolen again XXXX XXXX XXXX XXXX XXXX XXXX. I tracked the devices on both locations, opened 2 police reports, and also opened multiple claims with the CFPB. After I filed my complaints cashapp deactivated my accounts so Im struggling to access them. I called to receive monthly statement to find out that my money is still being stolen off of the stolen device. They didnt refund all my money and still are allowing stolen device access my money\n\nUNAUTHORIZED TRANSACTIONS:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alorica Inc.
State: SC

Complaint narrative:
The Respondent , Systems & Services Technologies , Inc., is attempting to collect on an alleged account that is the direct result of a coordinated identity theft scheme and does not constitute a valid or enforceable consumer obligation of the Complainant. The Complainant did not authorize the opening of the alleged account, did not receive the benefit of the alleged transaction, and has never acknowledged or ratified the debt. 

Despite receiving formal notice of identity theft along with supporting documentation in XXXXXXXX XXXX XXXX, the Respondent has continued collection activity and has relied on inaccurate personal identifiers, internally generated records, and questionable payment history to deny fraud rather than conduct a reasonable investigation as required under federal consumer financial protection laws. The Respondent has failed to substantiate that the Complainant is the true obligor and has instead shifted the burden of proof back to the consumer. 

An original creditor involved in the same identity theft activity, XXXX  XXXX, has confirmed in writing that an account was fraudulently opened in the Complainants name without authorization. This confirmation establishes a documented pattern of identity theft directly linked to the alleged account serviced and collected by the Respondent. 

In a related matter arising from the same fraudulent conduct, XXXX XXXX initiated legal action based on the same identity theft activity and associated consumer protection violations. That action did not resolve in the creditors favor and resulted in a confidential monetary settlement paid to the Complainant in exchange for a covenant not to sue, further corroborating the existence of systemic identity theft affecting multiple accounts. 

Notwithstanding notice of identity theft and corroborating evidence, the Respondent has continued to misrepresent the validity of the alleged debt, pursue collection activity, and threaten legal action while the Complainant was actively responding to requests for additional information. This conduct reflects a failure to exercise reasonable care in mortgage servicing and debt collection practices and raises serious concerns regarding compliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the Consumer Financial Protection Acts prohibition against unfair, deceptive, or abusive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
XX/XX/year> I received a letter from Barclays regarding a credit card application in my name. It did not go through as my credit is frozen. I filed FTC & police reports. Barclays told me I should receive a letter in XXXX weeks regarding the conclusion of their investigation. I received nothing & called back on XX/XX/XXXX. I was told it would take 30 days. I called back on XX/XX/XXXX. I was told it would take 45 days ( XXXX ). I called back on XX/XX/XXXX ( XXXX ). I was told that the investigation was closed but they refuse to send me any documentation that the application was determined to be fraudulent. I asked to record the call to document that the investigation determined the application was fraudulent but was told the call would be terminated if I attempted to record the call. Barclays told me XXXX times that they would provide documentation that the application had been determined to be fraudulent and now they refuse to do so. They told me it was not possible.

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 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I am told that I owe over XXXX to XXXX different collection companies on accounts that I have never had. I have requested to know what account payment was made from. These accounts I have been disputing for over XXXX XXXX  I have disputed with all XXXX  credit reporting agencies and same answer, that it's valid, how can something be valid, when the addresses on my credit reports where no place I've ever lived I need the derogatory items removed immediately Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX  - I contacted this company and filed an FTC report and identity theft report explaining this situation. \n- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I have been left a voice mail by Credit systems international inc. The first message was on XX/XX/XXXX, the second message was on XX/XX/XXXX and the third message was today, XX/XX/XXXX. I have all 3 messages saved and I have screen shots of the voicemails with dates. Each message advices me when I call them back to use a reference number, the same reference number is on all 3 voicemail. It has been 34 days since first message, 6 days since the second message and I have yet to receive any debt validation in the mail. I am making this complaint as a record of their failure to comply with The Fair Debt Collection Practices Act ( FDCPA ) ( specifically 15 U.S.C. 1692g and Regulation F, 12 CFR 1006.34 ) which requires debt collectors to send a written validation notice within five days of their initial contact with a consumer. This notice must include the debt amount, creditor name, and consumer rights. They are 34 days late on the first voicemail I received thus also making themselves 1 day late on the second voicemail I received. I also intend to report them to FTC and my State Attorney Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am a victim of identity theft. I received a letter from XXXX  stating that a past-due account was opened in my name and that the unpaid balance may be reported to my credit file. I did not open, authorize, or use this account and received no services from XXXX XXXX 

This account was opened without my knowledge using my personal information. I am disputing the account as fraudulent and request that XXXX close the account, remove all charges, stop collection and credit reporting activity,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Company : Wells Fargo Bank , N.A . 

Product : Debit card Issue : Problem with a purchase or transfer / Fraud or unauthorized transaction What happened : I am filing a complaint because Wells Fargo is refusing to allow me to dispute an unauthorized card transaction. 

A charge for movie tickets under the merchant PURCHASE AUTHORIZED OXXXX XXXX XXXX XXXX XXXXXXXX TX XXXXXXXX XXXX XXXX  Total of XXXX dollars appeared on my account that I do not recognize. I did not authorize this purchase, did not receive the tickets, and did not attend the movie. The transaction was not made by me. 

I contacted Wells Fargo multiple times to report this as an unauthorized transaction. Despite this, Wells Fargo refused to open or process a dispute and denied my request without providing documentation or evidence that the transaction was authorized. 

Wells Fargos refusal to allow a dispute for an unauthorized transaction is inconsistent with its obligations under Regulation E, which requires financial institutions to investigate reported unauthorized electronic fund transfers. 

I am requesting that Wells Fargo : 1. Accept and process my dispute properly, 2. Conduct a full investigation, 3. Provide written documentation explaining how the transaction was determined to be authorized, and 4. Issue appropriate credit if the transaction is confirmed to be unauthorized. 

What I want from the company : I want Wells Fargo to reopen and investigate this unauthorized transaction and provide a resolution consistent with consumer protection regulations.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Re : Request for Validation and Removal of Inaccurate Information To Whom It May Concern, I am writing to formally dispute and request validation of information currently being reported in my consumer file by XXXX  
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate, incomplete, or unverified information. After reviewing my XXXX  consumer report, I found account ( s ) being reported that I do not recognize, or that are being reported inaccurately. 

At this time, I am requesting that you provide full verification of the following : The name and address of the reporting financial institution The original account application or signature associated with the account The date the account was opened and closed Proof that I legally agreed to the account and any alleged balance Documentation showing the account is being reported accurately and lawfully If you are unable to provide complete and verifiable documentation, I demand that the account ( s ) be removed immediately from my XXXX file in accordance with federal law. 

Please be advised that failure to properly investigate and correct or delete unverifiable information may constitute noncompliance with the Fair Credit Reporting Act. 

I expect your written response within the required 30 days from receipt of this letter. 

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I am writing to formally dispute a debt that Eastern Revenue claims I owe. I am requesting validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please note the following : I request a detailed verification of the debt, including the original creditor, the amount claimed, and any documents showing that I am legally obligated to pay this debt. 
I am requesting that all collection activities cease until the debt is properly validated. 
Any reporting of this debt to credit reporting agencies should also be suspended until proper validation is provided. 

I am also submitting a complaint with the CFPB because I have not received proper validation, and I believe this debt may be inaccurate or improperly reported. 

Attached are copies of any relevant documents for your reference. Please investigate this matter and respond promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: CT

Complaint narrative:
XXXXXXXX XXXX  for {$53.00} XXXX reached out to the company right away and they said that purchase was processed and I spoke to a representative and they said I was not eligible for a refund because it was too late and I was told the same thing from a manager

Company response to consumer: Closed with explanation