vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Dear PORTFOLIO RECOVERY This letter serves as formal notice that I am requesting you cease and desist all communication with me regarding any alleged debt you claim I owe. 
Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am formally demanding that you stop contacting me. This includes, but is not limited to, phone calls, emails, text messages, letters, or contact through third parties.

Be advised that I am documenting all communication attempts. Any further contact beyond what is legally permitted under the FDCPAsuch as notification of specific legal actionwill be considered a violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state Attorney Generals office.

This notice is not an acknowledgment of any debt, nor is it permission to report inaccurate information to any credit reporting agency.

Please confirm in writing that you have received this request and will comply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital Systems reported a collection account to XXXX  and XXXX  under my name without ever providing prior notice, billing statements, validation, or an opportunity to dispute. 

The account is reported as opened on XX/XX/year> and was immediately placed for collection/charge-off. I was never contacted beforehand and do not recognize this debt. 

This conduct violates the Fair Debt Collection Practices Act and Fair Credit Reporting Act, including : Failure to provide validation notice ( 15 U.S.C. 1692g ) False and misleading representations ( 15 U.S.C. 1692e ) Unfair collection practices ( 15 U.S.C. 1692f ) Furnishing inaccurate information ( 15 U.S.C. 1681e ( b ), 1681s-2 ) Jefferson Capital furnished derogatory information without verifying accuracy and without giving me any opportunity to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: PA

Complaint narrative:
In my report I have an account never requested with XXXX XXXXy I need it removed

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am submitting this complaint against Citibank , N.A . for unfair and unreasonable restriction of my deposit accounts, prolonged deprivation of access to my funds, and repeated failure to resolve the matter through customer service, branch assistance, and executive escalation.

Citibank locked my checking and savings accounts immediately after receipt of a legitimate insurance settlement related to a bicycle accident and a denied XXXX payment to my landlord. Since XX/XX/year>, I have been completely denied access to my own funds. 

Citibank claims it mailed five verification letters containing access codes. I did not receive a single letter. Despite repeated phone calls, Citibank has refused to provide any alternative identity verification method. 

In an attempt to resolve this matter : - I visited a Citibank branch in person with valid identification and was told the branch could not assist or escalate- I contacted and emailed Citis Executive Response Department, which informed me they would assist and asked me to wait five days for follow-up - No one contacted me after seven days - When I called the Executive Response Department again , I was told we dont know how to help you, and the call was terminated Additionally, multiple customer service representatives were dismissive and hostile, stated they do not care, and hung up on me, even after I explained that I urgently need access to funds to pay rent and obtain medically necessary XXXX medication. 
XXXX XXXX and Legal Concerns Citibanks conduct constitutes : - Unfair acts or practices under the Consumer Financial Protection Act ( UDAAP ) - Procedural unreasonableness, relying solely on undelivered mail while refusing alternatives - Failure of in-branch remediation despite presentation of identification - Failure of executive-level escalation after explicit assurances - Indefinite deprivation of consumer funds without due process - Disregard for documented financial and medical hardship Citibank has exhausted every escalation channel while providing no viable path to resolution, effectively retaining control over my funds.

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 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
I have a bill from XXXX XXXX that they claim I owe from XXXX. I have not contacted anyone regarding this debt since XXXX when I requested copies of the bills ( which they never provided ). XXXX XXXX now owns the debt in the amount of {$2800.00}. Today my XXXX XXXX dropped XXXX points and when XXXX looked at the reason it is because XXXX XXXX closed the collections account on XX/XX/XXXX and then a new collections case opened for the same amount through XXXX XXXX today, XXXX XXXX. This is not ok. That debt is now XXXX years old. Why can they close it and reopen it restarting the timeline without ever contacting me? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: MO

Complaint narrative:
SELF/SOUTHSTATE BANK is falsely reporting on my credit. I have never had any accounts with them. Per my research SELF/SOUTHSTATE BANK 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
Woke up on XX/XX/XXXX to all my find gone off my card at XXXX in morning they was at ATM and bars other stores using my card stole XXXX off my card that's my rent I have XXXX kids this unacceptable I been on phone everyday with XXXX XXXX since the XXXX XXXX the same day it happen I never go to ATM or anything I go to to bank teller where I feel safe they keep denying me from reimbursement of my money after they told me I'll get it for the XXXX time and didn't they looking at evidence why are they not trying to help solve this police has footage we want to press charges they not only stole my benefits but that's our rent money we can't afford to lose out on that I wan na press charges on whom XXXX but XXXX XXXX is not helping at all they not even looking into the situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Mathematically impossible delinquency history ( XXXX instances of 90-day lates in 46 months ), a {$17000.00} variance in High Credit, and a chronological conflict in the Date of Last Payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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 Control, LLC
State: NY

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, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has seriously put me behind in life and I feel violated

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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am submitting this complaint regarding the failure of Citibank , N.A . to provide access to my credit card account statements and transaction history despite my enrollment in electronic statements and repeated requests for copies of my statements.

I am enrolled in electronic statements. However, Citibanks online system has not allowed me to access my statements. I have made multiple requests to Citibank to provide copies of my statements, and they have failed to provide complete records.

This has prevented me from reviewing my account activity and identifying potentially unauthorized charges. I need access to all statements and transaction history from 2022 through the present in order to properly review charges and identify any additional unauthorized or fraudulent transactions.

By failing to provide statements and account records, Citibank has effectively prevented me from : Monitoring my account for unauthorized activity Timely disputing transactions Verifying recurring billing authorizations Protecting my financial information Consumers can not reasonably exercise their billing dispute rights if they are denied access to their account statements and transaction history. 

Additionally, I have already identified disputed charges related to XXXX merchant descriptors, and my inability to review historical statements raises concerns that additional unauthorized or improperly authorized recurring charges may exist.

I am requesting that Citibank : Immediately provide complete account statements from XX/XX/year> through present Provide complete transaction history in electronic format Confirm that no additional statements or transaction records are being withheld Ensure continued reliable electronic access to my statements going forward Confirm that any dispute deadlines impacted by their failure to provide statements will be honored and extended as necessary I am submitting this complaint through the Consumer Financial Protection Bureau because Citibanks failure to provide statements and account access interferes with my ability to monitor my account and exercise my federal consumer billing rights. 

Despite repeated requests, Citibank has failed to provide complete statements, forcing me to attempt to reconstruct account activity without reliable documentation from the creditor.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
XXXX offered promotion for relationship checking account opened fall of XXXX. Terms were to make XXXX $ direct deposit each month for 3 months to receive XXXX $ bonus. I did XXXX in consecutive monthly direct deposits from XXXX XXXX and I completed the final direct deposit in XXXX, and the bonus terms say the bonus would be paid XXXX weeks from last qualifying activity. This should have been paid XXXX and i contacted XXXX and they said they might not pay it for another 3 months and said expect it around XX/XX/XXXX which would be XXXX months from when i performed the final month of deposits. I don't trust them and was mislead. I want my bonus paid as it was promoted to be.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: Blackhawk Network Holdings Inc.
State: NC

Complaint narrative:
I received settlement funds from the XXXX XXXX XXXX XXXX via an XXXX issued by Blackhawk Network ( BHN ). The payment was marked as successfully delivered, but BHN subsequently blocked the card and denied access to the funds. 

BHN informed me that access to the funds is contingent upon submission of a government-issued photo ID through their system. Due to identity theft and data security concerns, I do not consent to transmitting sensitive photo identification to a third-party prepaid card XXXX. 

I requested reasonable alternative identity verification methods, including email verification, one-time passcodes, address verification, or live phone verification. BHN has not provided any alternative verification options and continues to withhold access to the funds. 

As a result, I have not been able to access settlement funds that were issued in my name, despite the payment being marked as completed. 

Supporting documents include correspondence from BHN requiring photo ID submission and my written requests for alternative verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I have been receiving numerous calls, over XXXX separate calls, on my work provided cell phone from an XXXX XXXX from XXXX asking me to call their number at XXXX. I have contacted XXXX on XXXX separate occasions regarding the calls and they claim they do not have a ticket or profile under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Central Holdings, LLC
State: MO

Complaint narrative:
CREDIT CENTRAL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CENTRAL 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I spoke with XXXX XXXX. A XXXX with the card management division on XXXX XXXX at XXXX XXXX  I asked for the reasoning my credit card interest on my Chase credit card was at the top of their interest rates. I was told after she looked it up that I had a minor infraction on my payment record which was supposed to be a temporary thing that would raise up my interest rate and they would review after XXXX months. I was told I Made only XXXX late payment XXXX XXXX Im a XXXX month period. I make my payments faithfully each month way before its due and try to always pay extra and I feel like I am being taken ad vantage of for being XXXX of a rare customers. Im asking that my rate be immediately lowered. Can dance said she will file a complaint on my behalf to address this injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the XXXX account currently reporting on my credit file. This account is fraudulent and does not belong to me. I did not open, authorize, or benefit from this account in any capacity. 

I previously disputed this matter with all three credit bureaus on XX/XX/year>, and again on XX/XX/year>. Despite these disputes, the account continues to be reported inaccurately. I have since filed an Identity Theft Affidavit as well as a police report, both of which substantiate that this account is the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), information reported must be accurate and verifiable. As this account is fraudulent and unsupported by any valid authorization from me, I respectfully request that it be removed immediately from my credit report with all reporting agencies. 

Please confirm in writing once this matter has been resolved. Thank you for your time and prompt attention to this issue.

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 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: AR

Complaint narrative:
I am filing a complaint regarding an invalid debt that XXXX sent to collections for purchases allegedly made in XXXX and XX/XX/year>. 

At least XXXX of these orders was never fulfilled. I did not receive the merchandise. I made multiple good-faith attempts over the years to resolve this issue directly with XXXX. 

XXXX has stated that they do not have proof of fulfillment or delivery and rely on the merchant for that information. At XXXX direction, I contacted the merchant ( XXXX XXXX ), and the merchant confirmed they are unable to locate the orders in their system due to their age. 

Despite : No proof of fulfillment from XXXX XXXX merchant records of the orders No delivery confirmation No goods received XXXX still sent the account to collections and continues to restrict my account. 

I formally disputed the validity of this debt with XXXX and opened an internal complaint ( Complaint ID XXXX ). XXXX acknowledged the complaint but stated they are unable to escalate or resolve the matter internally and repeatedly directed me to the collection agency instead. 

An unfulfilled and unverifiable order should not be collectible, nor should it be reported or used to restrict my account. Continuing to collect or report an unverifiable debt is inaccurate and unfair. 

I am requesting that XXXX : XXXX. Recall or close the invoice from collections XXXX. Remove any negative reporting or account restriction XXXX. Correct their records to reflect that the order was never fulfilled This complaint is being filed because XXXX has refused to resolve the issue despite acknowledging the lack of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCREis 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
I am the co-signer on my XXXX XXXX student loans with Citizens One. We made on-time loan payments for XXXX years and have been denied twice now for co-signer release - once after 3 years of on-time payments, and once after XXXX-years of on-time payments. They keep saying that her XXXX XXXX is not high enough to release me; but it was good enough to give her the loans? I confirmed with the bank before accepting the loans that I would be eligible for release and no agent ever once said that her credit score would have to be higher than it was at the time of loan approval. All they told me was that we needed XXXX years of on-time payments and that she would need to show proof of income, which she has done. I have asked to know what exact score they expect her to have to release me, but have not been given this information. When speaking with an agent at XXXX today ( the XXXX XXXX ), even the agent commented on how vague the reasoning was for denial.

Company response to consumer: Closed with explanation