vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have debt protection through Macy 's credit card. 
I was laid off from my job on XX/XX/year>, because of lack of work from my employer. 
I filed a claim with this debt protection customer service to get my benefit under the debt protection benefit but have been getting the run around since XX/XX/year>. 
I pay a monthly fee through this debt protection program on my Macy 's credit card. 
I have called this debt protection customer service department for months and continue to get the run around. On today XX/XX/year>, I called the debt protection customer service department to get an update on a weekly base, but this is still not resolved at all. 
I pay about {$80.00} a month for this debt protection program.

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 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Complaint Evidence Packet Filed by : XXXX XXXX, Trustee Re : XXXX Alleged Account ( {$22000.00} ) Notice of Violation & Complaint Summary ( Copy-Paste Template ) Complaint Summary : I am filing a complaint against XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. account for {$22000.00}. 

On XX/XX/XXXX, I sent a formal dispute/validation request to XXXX XXXX XXXX XXXX XXXX XXXX XXXX No XXXX XXXX confirms delivery to XXXX, CA. 

XXXX never provided validation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Despite this, the same account was later reassigned to XXXX XXXX XXXX XXXX, which issued a new collection letter on XX/XX/XXXX. 

My XXXX  credit report ( updated XX/XX/XXXX ) continues to list this account inaccurately, showing conflicting addresses ( XXXX XXXX, XXXX, XXXX ) and reporting it under my individual name despite trustee dispute. 

This constitutes : XXXX. Continued collection without validation ( FDCPA violation ). 
XXXX. Inaccurate and unverifiable reporting ( FCRA violation ). 
XXXX. Improper handling of disputes, causing harm to my credit and consumer rights. 

Requested Resolution : Immediate removal of the inaccurate XXXX account from all credit bureau reports XXXX 

Written confirmation that XXXX and XXXX XXXX cease collection activity. 

Investigation of these agencies for repeated violations of federal and state law. 

Because of this, I was denied housing for my family. 

Attachments : XXXX Proof of Delivery ( XX/XX/XXXX ), XXXX Letter ( XX/XX/XXXX, Trustee Dispute Letter, XXXX XXXX XXXX Letter ( XX/XX/XXXX ), and XXXX  Report Screenshots.

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 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I filed a dispute, my bank account was hacked so I got a new bank. Had the same account. For 10 years. I dont owe the money or account. Got a letter from a third party. They mess up my XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: KY

Complaint narrative:
A company called XXXX XXXX  is claiming I opened an account in XXXX that has since gone unpaid. I have contacted XXXX and they have no knowledge of this account and only link my SSN to my active internet account that has always been paid on time and is current. They claim I owe them {$1300.00}. I have filed a dispute with the collection company they are using to collect, that company is Creedence Resource Management LLC. XXXX XXXX  links my maiden name ( that I have no used since XXXX ) and the last 4 of my SSN which I am convinced both was accessed fraudulently to an account number XXXX. The reference number with Creedence is XXXX. I believe XXXX XXXX  is a scam front using stolen PII to trick debt collectors into collecting on their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: NY

Complaint narrative:
On XX/XX/year>, I sent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my Kraken Ethereum address. The blockchain transaction was successful XXXX XXXX XXXX XXXXXXXX ). 

When the tokens didn't appear in my account, I contacted Kraken support ( Ticket # XXXX ). They initially claimed recovery was " painstakingly difficult '' for " incorrect network '' deposits. 

However, this was a same-network transaction ( XXXX to XXXX ), not cross-network. When I pointed this out and referenced their published recovery policy stating such funds " can easily be recovered, '' Kraken made several admissions : 1. Recovery is " feasible '' and technically possible 2. They have access to the necessary private keys 3. They refuse recovery based on " resource allocation '' decisions 4. They prioritize " impact on all clients '' over returning individual assets This directly contradicts their published policy at https : //support.kraken.comXXXX which states unsupported tokens on supported networks " can easily be recovered by contacting our support team. '' Kraken admits my assets are accessible but refuses to return them based on internal business decisions, not technical limitations.

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 2025-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current
State: IA

Complaint narrative:
CURRENT online bank checking account was open under my identity account was closed due to fraudulent charges and identity theft. There was my XXXX XXXX payment for XXXX issued XX/XX/year>. Was supposed to be a return back to sender XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent current bank a non-claimed receipt for the payment because I the person that the check was written for have not received my payment for XXXX the current account should have been closed and everything was supposed to be returned back Current bank is now holding my XXXX payment has not returned the payment back I need my payment return back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> immediately I am not getting any response about my XXXX payment being returned returned last time spoke with current bank was XX/XX/year> now XX/XX/year> nothing has been responded to me and XXXX XXXX XXXX has not received the return of the check I need this check returned back immediately of XXXX. I never made account with. Current bank and my XXXX payment should have been returned by now. Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am disputing the reporting of late payments tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: CA

Complaint narrative:
Every single day for maybe a little over a month now, I receive phone calls from spoofed numbers for US National Debt Relief Services. Ive answered several times and told them to stop calling me. Ive been on the do not call list since XX/XX/2025. They will call, then IlXXXX call back but the number is no longer in service. Everyday. Multiple time ls a day. Different phone numbers. Every time they call, I block every number. I not once gave ANY consent to receive any phone calls as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Company wrongfully debited my checking account without my consent when there wasnt enough money to cover the debit!

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 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Trident Asset Management, L.L.C.
State: CA

Complaint narrative:
a credit card was opened one line and the account and credit card info was inactive for awhile then used and locked out from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am disputing the reporting of late payments tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with XXXX XXXX data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
JPMorganChase reported my account as charged off in error to the XXXX XXXX XXXX. this prevent me from opening any checking/saving account, my credit card account was blocked and causing emotional and financial problems for me and my children. 
I contacted them. The branch manage who knew me and was familiar with my account, wrote me a letter explaining that the report was in error but the Chase executive office is refusing to remove the remove the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: AZ

Complaint narrative:
Dear CFPB A previous complaint was filed with the CFPB in regards to XXXX XXXX XXXX billing me for an account I did not open. Two days later I recieved two apologetic phone calls from XXXX XXXX services stating they had made an error and they would correct it. XXXX XXXX stated they opened this account in error, and the account number assigned was just in case I accepted their invoice offer for services. We did not. Both XXXX XXXX representative that called were incredibly apologetic and reassured me this account was closed and I would be taken off their system.

The Receivables Management Services LLC collections agency for XXXX XXXX is now pursuing to collect on an invalid debt.

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 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
a credit card was opened XXXX line and the account and credit card info was inactive for awhile then used and locked out from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to express my gratitude for the opportunity to have been a customer of XXXX. I appreciate the services you provide and the chance I had to use my account for medical procedure. I would like to sincerely apologize for the three late payments that occurred on my account. During that time, I was experiencing an extremely difficult period as my father was battling XXXX XXXX XXXX XXXXXXXX. With the stress and constant responsibilities, I often forgot the due dates despite my best intentions. I realize this is no excuse, but I want you to know this was not reflective of my normal payment behavior. 

I have since paid the account in full, as I want to take responsibility and ensure my finances are in order. I am kindly requesting, as a gesture of goodwill, that you consider removing the late payment notations from my credit reports. This adjustment would be a tremendous help to me as I work to rebuild my credit and move forward from this difficult time. 

I greatly value the relationship Ive had with XXXX and would be very thankful for your understanding and assistance. 

Thank you for taking the time to review my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The collector who contacted me threatened legal action if I did not pay. He stated that I had no choice but to pay, or he would sue me and garnish my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Army and Air Force Exchange Service
State: NY

Complaint narrative:
AAFES states it will take my social security or my military retirement benefits to collect a debt that was charged off and its amount to collect exceeds the original debt with interest. XXXX XXXX charged off account but still asking for payment of full amount interest bearing.

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 2025-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Home Mortgage Alliance Corp. (HMAC)
State: CA

Complaint narrative:
In XX/XX/year>, I closed on a mortgage loan with Home Mortgage Alliance Corporation. The lender funded the loan to escrow but I never received any proceeds. Despite this, HMAC recorded a lien on my home and required payments on a loan that was never disbursed to me.

HMAC bears full responsibility for ensuring loan proceeds reach the borrower. They chose the escrow agent, issued closing instructions requiring immediate disbursement to me, and can not shift blame when their chosen agent failed to comply with their own mandatory instructions. 

This violates federal consumer protections and constitutes unfair, deceptive, and abusive practices under the Consumer Financial Protection Act. HMAC recorded a lien against my property while allowing their escrow agent to retain loan proceeds that should have been delivered to me. This creates substantial consumer injury I could not reasonably avoidI had no control over HMAC 's chosen escrow agent.

HMAC took unreasonable advantage by failing to deliver loan proceeds while still enforcing the loan obligation against me. They can not claim they " funded '' the loan when funds never reached the borrower as required by their own written instructions.

I am requesting CFPB investigate and require HMAC to produce proof of disbursement to me ( which they can not ), provide full restitution, correct any negative credit reporting, and ensure this practice is not repeated against other consumers.

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