vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: MI

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
1. Citizens bank offered a {$500.00} bonus for opening a savings account, and funding it with {$30000.00} or more until XX/XX/XXXX 2. I opened the account on XX/XX/XXXX, from their emailed offer, and funded the account that day. The funds were withdrawn from my other account on XX/XX/XXXX. 3. Citizens failed to credit my new account in a timely fashion, and now claim that I am ineligible for the bonus, as the funding was too late. 4. The delay was purely the fault of Citizens, and I should not be penalized for it. Similarly, they should NOT have offered such a bonus in exchange for $ XXXX on XX/XX/XXXX, if they knew it would be impossible for me to meet the criteria for the bonus. 5. Citizens must honor the {$500.00} offer as I met all requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am filing a complaint against Santander Consumer USA for repeated administrative errors that have prevented me from removing a deceased co-owner from my vehicle title. I began this process in XX/XX/XXXX and submitted the required death certificate and all requested documentation. As of XX/XX/XXXX, the issue remains unresolved due solely to Santanders repeated mistakes. Santander first mailed an incorrect and unsigned authorization letter, which the MVA declined. After I reported the error, they faxed another document that incorrectly listed my name for removal instead of the deceased individual. I requested correction, and they resent the same incorrect, unsigned document. I requested it again, and although the most recent version lists the correct deceased name, it is still unsigned and therefore invalid. Because Santander has failed XXXX times to provide proper documentation, my vehicle tags are now expired. This is preventing me from legally transporting my children to school and traveling to work. I have fully complied with all requirements. The delay and hardship are the direct result of XXXX negligence. I am requesting immediate intervention to require Santander to provide accurate, signed documentation without further error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Chase Executive Agency Complaint Resolutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. This institution has been closed my bank account XXXX long time ago, specifically XXXX months ago and closing to reach XXXX year without any reason or explanation, as per view on agreement and terms Chase have the rights for close any account at any time without reveal the reason, so ok is correct but I have patiently waiting for over XXXX months for my refund check with my outstanding money balance at the moment of closure because is the normal procedure as per agreement and terms of JPMorgan Chase ( section of deposit agreements and many more agreements argument this rights ) so the time frame for receiving my money on the check is XXXX days, and you can see is over XXXX months!, yes is really XXXX months passed without any check to my address on file and my money is just earning interest for the bank benefit, I have filled a complaints requesting my refund check because this institution just refuse to release my refund check and just replied about closure account and holding it but there is an uncongruency because I can't request any comments about your rights to close account, my request is the release of my funds on check, this institution have the shame to hold my money for XXXX year without any reason because no risk has been proven because the money has been fully cleared and transactions are made and received without any mark from fraud departments of the bank where deposits has been come, the bank clearly refuse cooperation about this and looks like just want to still holding my money and earn interest for over months and months, so I will make this complaint for request my money release and escalation of this situation on this institution with an agent with capability of cooperation, aside from this I need details about money on hold, amount, explanation about holds, agreement rights for not send my refund check and just not providing any communication or compensation, I need the last details for attorney if this situation is still without any cooperation from this institution, I will make a report on every agency and I will go to local news for this because I'm tired of waiting and waiting for months and months and not received any communication from this bank and they just earn money from my money making interest on that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I got a response from Citibank but from a fraudulent mail and my cashier check of the remaining amount havent been sent to me yet. They didnt make any progress on how I will get my money at all. I am writing to follow up regarding my account. Citi Bank has informed me that the third party must visit the bank with me in person. Unfortunately, this will not be possible, as he has since relocated to another state for business reasons. He was present with me last year when the funds were deposited into my account, and since then we have both made several attempts to resolve this matter with Citi Bank. I have personally visited Citi Bank branches on multiple occasions whenever I was available. Each time, I was informed that a cashiers check for my remaining balance would be issued within XXXX months. We waited the stated period, especially considering that a similar situation occurred previously with {$60000.00} in the account before the {$220000.00} deposit was made. Despite being told to expect a cashiers check after XXXX months, none was received. At this point, the third party is no longer residing in the same state, and it is not feasible for him to return for an in-person visit. The funds were deposited from XXXX, and I have contacted them to inquire whether a refund could be requested ; however, I was advised that this is not possible. Given that this matter has been pending since XX/XX/year> and I have now waited approximately XXXX months, I respectfully request that Citi Bank proceed with closing the account and issuing a cashiers check for the remaining balance to my address, as previously indicated. This extended delay has been very concerning, and I would greatly appreciate a prompt resolution. And after this message I sent to their mail they havent gotten back to me yet or made any progress, instead I got a message from a fraudulent mail which claims to be Citibank. I dont know what games they are trying to play with my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Bilt Technologies, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Bilt Rewards continued retention and processing of my personal and transactional data after my account was deleted. Over the past several years, I deleted and closed my Bilt Rewards profile multiple times. My account was blocked and I no longer have access to any active profile. Despite this, Bilt has continued to track and reference my purchasing activity, including transactions at XXXX, even after account deletion. My concern is not marketing emails or do not contact status. The issue is that Bilt appears to be retaining and processing my transactional data after I exercised account deletion. When I submitted a formal data request through their Privacy Center, their response did not address data retention. Instead, they redirected part of the request to XXXX and attempted to close the ticket without providing : A full disclosure of all personal data currently retained Confirmation whether payment card information ( including tokenized or partially masked data ) is stored The legal basis for continued processing after account deletion Details regarding data sharing with third parties Confirmation of deletion from internal systems, analytics databases, backups, and service providers The transaction tracking referenced originates from Bilts own rewards platform, not XXXX-controlled data. Therefore, redirecting the issue to XXXX does not resolve the concern. Additionally, Bilt recently updated its privacy policies. However, my data retention concerns predate the updated policy, and policy revisions do not retroactively authorize continued processing after deletion. I am requesting regulatory review of Bilts data retention and consumer data processing practices, and confirmation that all personal and transactional data associated with me has been permanently deleted in accordance with applicable consumer protection and financial privacy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: NE

Complaint narrative:
Pennymac incorrectly reported that i was made late payments between the months of XXXX of XXXX. When I made payments during that time. They are refusing to take them off and also denying that they lied to me about any of their process of deferment and loan modification would impact my credit. I was told multiple times on the phone that it would not, however the transcripts I got have been trimmed and are not complete. The portion that proves they lied to me has been edited out. The conversation just ends on the recording, its cut off. Mind you it took them over XXXX days and repeated phone calls to get the transcripts. They lied multiple times about where it was at in the process and when I would be getting them. Not only that I was lied to about having a " meeting set up '' with XXXX of their executive team members. And the first envelope i got did not even include the cd. All of this is after months of phone calls trying to get to someone that could actually answer my questions. Just XXXX of The specific dates I am looking for is XX/XX/XXXX. This is through Pennymac Loan services

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect

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 2026-02-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: IL

Complaint narrative:
I have communicated with Qualia Collection Services in regards to a debt attempting to be collected. I have requested and received documentation proving this debt to be unverifiable as well as deleted from my account. It has been successfully deleted, however Qualia has contacted me stating this debt will still be attached to me. I do not claim this debt. I communicated legal matters to the management regarding this building and ultimately did not feel safe in these premises. I have also notified to staff the tenant utilizing this particular unit in question has illegally occupied it as an XXXX amongst another unit. Upon finding out and not agreeing to the decisions being made ; it resulted in retaliation towards personal affairs and business ; and has tried to get me kicked out my former apartment located in XXXX. I did not have physical access to this apartment. I have gotten bullied and gang stalked. There are multiple police reports to this woman harassing me and using my information in a fraudulent way. I am not responsible for this debt and request it to be permanently deleted from every account associated with me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
I spoke to a couple of representatives but I was told I wouldnt qualify for any assistance. All they cared about during my conversation was about any insurance claims during any hurricanes. When explaining that I should have options, based on my VA rep, they expressed that she was not correct on my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I am filing this complaint because two separate collection agencies are attempting to collect and report the same alleged debt from the same original creditor, which is XXXXXXXX XXXX XXXX XXXXXXXX in Nevada. The two agencies are : 1. Columbia Debt Recovery Account opened : XX/XX/XXXX Reported balance : {$10000.00} Original balance listed : {$10000.00} XXXX. XXXX XXXX XXXX Account opened : XX/XX/XXXX Reported balance : {$12000.00} Original balance listed : {$10000.00} Both agencies list the same original creditor ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) and both are reporting active collection accounts on my XXXX credit report. This is improper and inaccurate for the following reasons : Two separate agencies are attempting to collect the same debt simultaneously. The balances being reported are different ( {$10000.00} vs. {$12000.00} ). The original balance listed is the same ( {$10000.00} ), yet the current balances differ significantly. There is no indication the debt was legally reassigned or transferred properly. This duplicate reporting is causing significant harm to my credit profile. Only one entity can legally collect and report a debt at a time. If the debt was transferred, the prior collector must delete their reporting. The current reporting creates the false appearance that I owe two separate debts for the same apartment account. Additionally, both accounts show as disputed by consumer, yet they continue to report inconsistent balances. This conduct may violate : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Furnishing inaccurate or duplicative information Fair Debt Collection Practices Act Misrepresentation of the character, amount, or legal status of a debt Requested Resolution I am requesting the following : 1. Immediate investigation into which agency has legal authority to collect this alleged debt. 2. Immediate deletion of the accounts or improperly reported collection account. 3. Correction of any inaccurate balance reporting. 4. Written validation showing chain of assignment and proof of authority to collect. If both agencies can not demonstrate exclusive legal right to collect, both accounts should be removed from my credit report. This duplicate reporting is damaging and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cedars Business Services, LLC
State: VA

Complaint narrative:
On XX/XX/year>, I received an alert from XXXX that my credit score had dropped XXXX points due to a reported unpaid debt of {$330.00}. The collection agency listed was Cedar Business Services. I contacted them, and they stated the debt originated from XXXX XXXX. I have never opened or held an account with XXXX XXXX. To verify this, I contacted XXXX XXXX directly, and their representative confirmed that no account has ever been associated with my name or information. This indicates the debt is fraudulent. I submitted a dispute to XXXX ; however, the dispute was closed the next day without additional information. I called XXXX on XX/XX/year>, to understand the closure, and they advised me to report the issue to the FTC and resubmit a second dispute, which I have done. I am requesting a full investigation and removal of this fraudulent account and any negative impact it has had on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: GA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I bought sunglasses from XXXX XXXX on XX/XX/XXXX with the option " PayPal Credit Card - No Interest if paid in full in 6 months on purchases of {$140.00} or more when checking out online with PayPal. '' I returned the order because the sunglasses weren't a good fit for me. This return was received by XXXX XXXX via XXXX, tracking number XXXX. XXXX XXXX then returned the credited amount on XX/XX/XXXX. PayPal themselves sent me an email on XXXX, XXXX XXXX at XXXX EST that said : '' XXXX XXXX XXXX XXXX a {$200.00} USD refund The money has been refunded to your plan. It may take a few days for it to appear in your account. Transaction ID XXXX Transaction date XX/XX/XXXX XXXX XXXX XXXX However, the charge and balance persists on my PayPal Credit Card account. The full balance to be paid is {$210.00}, and it has a {$71.00} remaining balance now because my autopay has paid down some of its balance. The product was returned but PayPal is still demanding in their system {$210.00} from me with a due date of XX/XX/XXXX. I have all the emails, transactions, and documents as proof. Their online customer service kept redirecting me to their customer service phone number. I have spoken twice to representatives on this number, one who told me to go figure it out with XXXX XXXX, and another who did the same thing but hanging up on me abruptly instead. I have spoken to XXXX XXXX, who in turn told me : " Happy Thursday! I am following up regarding your recent request concerning Paypal charges. We have looked over this return order and can confirm we have cleared this return on our end. I have included the credit memo below. If you still not not see the return on your card, I would reach out directly to Paypal for further assistance. '' PayPal is refusing to look into this issue any further so I have been forced to escalate it at the CFPB level. Please look into this issue. Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Me and my boyfriend made payments on our collections bill account and the credit buers made both me and my boyfriend credit score go down I made 3 payments on my collections bill my boyfriend made 4 payments on his bill and they made our credit score go down XXXX points I don't understand it at all I think they are doing criminal action against us can u please help 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 2026-02-24 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: MS

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief