vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-28 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: IL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2026-05-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year>, I was charged USD {$50000.00} by a XXXX matchmaking company after what I understood to be a preliminary membership application and consultation process, not a finalized service agreement. The company already knew there were eligibility concerns under its own membership rules before accepting payment. Required documentation and approval steps were never completed, and I never received any actual matchmaking services. On XX/XX/year>, I immediately requested cancellation and a full refund. Despite this, the merchant refused a proper refund and demanded excessive penalties and fees, including approximately 30 % deductions and card processing fees. I disputed the transaction with BarclaysXXXX XXXX and submitted extensive supporting evidence, including contract provisions, cancellation messages, and documentation showing incomplete contract formation and eligibility issues. However, throughout the dispute process I have received inconsistent information regarding timelines ( XXXX days, XXXX days, XXXX days, and XXXX billing cycles ), no clear written explanation regarding provisional credit or payment obligations, and no meaningful escalation assistance despite repeated requests. I am concerned about financial harm due to the size of the disputed amount and the lack of clear customer protection while the investigation remains pending.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Rubin & Rothman, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX, I made the final payment of {$470.00} to Rubin & Rothman , LLC ( File # XXXX, originally a XXXX XXXX XXXX charge-off ) to fully satisfy the account. .At the time of payment, I specifically asked the representative if the file could be deleted from my credit reports. The person I spoke with stated they would escalate the deletion request. On XX/XX/XXXX, XXXX sent a follow up email on status and I received an email from XXXX XXXX XXXX, Managing Attorney at Rubin & Rothman, stating the file is now closed at their office and directing me to contact XXXX XXXX XXXX directly.The tradeline is still appearing on my credit reports as a negative charge-off/collection, continuing to harm my credit score. Rubin & Rothman is the current data furnisher and has not updated or deleted the account despite the full payment and my prior verbal request for deletion.I am requesting that the CFPB require Rubin & Rothman to : Immediately update all three credit bureaus to reflect the account as Paid in Full with {$0.00} balance. Delete the entire tradeline as a goodwill adjustment now that the debt has been satisfied and the file is closed. I beleive the agent over the phone awknoleged a [ plan of action without having the authority within this specific organization and misrepresnted himself as a the sole decision maker.

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 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Roadrunner Account Services, LLC
State: OR

Complaint narrative:
They started charging me for making a payment with my debit card or wanted access to my bank account 4 months after I got the loan for a quad and when I complained they said they started charging because they were using a new payment company and they were now charging for the service. I believe that is blatant fraud and extortion of funds. The company is Roadrunner account services company LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Regarding the handling of my closed account with Capital One. The account was closed on XX/XX/year>, yet to date I have not received the remaining balance of {$5600.00} that was in the account at the time of closure. Despite multiple follow-ups, I have not been provided with. Confirmation of when the refund check was issued. Proof of mailing or tracking information. Confirmation that the funds were sent to the correct address. No positive feedback explanation for the delay. It has now been well over two months with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
On or about the middle of XX/XX/year>, I received an email from Block, Inc. ( Cash App ) that I had violated the Terms of Service ( TOS ) agreement and that my account had been suspended. As I have not violated any TOS I was aware of, I promptly appealed the decision. On XX/XX/XXXX, I received an email from Cash App stating my appeal had been reviewed and my account had been reinstated ; however, my account was still deactivated. I then called customer support where the service representative said I had used Cash App for illegal activity, which is not only false but libelously slanderous. She refused to tell me which law ( s ) were broken or which TOS had been violated. I submitted an email complaint to Cash App on XXXX XXXX, 2026 with the afore mentioned complaints in this message as my complaints, upon which I received an email response on XXXX XXXX, 2026 that the appeal failed, my account was to stay deactivated, but no indication of what TOS were allegedly violated or which laws were reputedly broken by myself when using the app, which I find highly irregular, a bit shady, and downright slanderous. Furthermore, closing my account has caused undo loss financially to myself. The case number assigned to me by Block , Inc. is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
XX/XX/XXXX - Started with UWM for a Recast. Wanted to lower the mortgage and needed to do the Recast method. XXXX- Sent $ $ $ $ $ ( thousands ) to UWM. Wired the money directly. XX/XX/XXXX- Asked for confirmation. No reply from UWM. 12 days passed. Was promised the Modification Agreement and it never arrived. XX/XX/XXXX - They sent us someone else 's Modification Agreement. This was financial information from SOMEONE ELSE -- not our Modification Agreement. We reported this immediately to " Escalation Executive Support ''. Nobody listened or responded to fix this problem. This was a major breach in confidentiality and financial security. XX/XX/XXXX - Still no modification agreement for us. Contacted UWM every day. No reply. We requested a WIRE refund to our banking institution. We never received our Modification Agreement. We did NOT want the large amount of money being sent through the standard USPS mail. XXXX XXXX : Continued requests for the refund to occur with certified mail or WIRE. We were ignored. We were promised call backs -- and never received a call back from any one. XX/XX/XXXX - Reporting this financial irresponsiblity to CFPB. We were told on XX/XX/XXXX, that on XX/XX/XXXX they cut a check ( despite what we asked for ), and it was mailed on XX/XX/XXXX ( via USPS mail ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received notices for 2 credit cards that I had with Bank of America. I called and was provided that they closed both of my accounts due to increased use, too many accounts with balances, and recent trends in credit usage. I have no late payments and no derogatory information on my accounts. I feel this is an unfair credit decision. I have had one of these accounts for over 10 years.

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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX my XXXXXXXX XXXX card was transferred to Citibank. Per my contract I had XXXX days from the time of yearly renewal to decide not to renew my card. This is a card that I do not use. On XX/XX/XXXX, I contacted Citibank ( day XXXX ) to have this fee refunded and card closed, which they refused to do until I " have the new card ''. The issue is that this is card that I do not use and between the transition period of this my bank card expired which is how the payment was made. When the card was at XXXX it was not late. According to Citibank a communication was sent from XXXX that the payment was not processed, which I did not receive. The payment during the transition became late XXXX days ago. I was not made aware that that a payment was late until I received my XXXX Citibank XXXX Tuesday XX/XX/XXXX ), which I immediately paid. My previous statement showed a scheduled payment on XX/XX/XXXX. After several contacts made to Citibank, I was contacted by a manger named XXXX, who told me that Citibank could not verify that this would be reported and that he could not honor the XXXX days cancel as the company is now under Citibank. When I asked to escalate this further, he stated " there is no one in the organization above me ''. I do not use this card and have an XXXX XXXX XXXX. Had this transition not happened, this would not have been an 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 monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: OR

Complaint narrative:
I am filing this high-priority regulatory complaint against SELF XXXX XXXX XXXX XXXX data-integrity, internal system contradictions, and stale reporting violations under 15 U.S.C. 1681s-2 [ 15 U.S.C. 1681s-2 ]. A real-time forensic audit of my credit report data tapes reveals that Self Financial is broadcasting a highly contradictory, damaging historical row under my identity parameters. Your live production tape for Account Number XXXXXXXX XXXX XXXX XXXX XXXX explicitly lists the " Status '' as " OK '', yet simultaneously flags the " Condition '' as " Derogatory '' with the remark " Account paid from collateral '' frozen since " XX/XX/year> ''. This reporting is entirely non-compliant under the data-integrity mandates of the Fair Credit Reporting Act [ 15 U.S.C. 1681s-2 ]. A data furnisher is strictly prohibited from broadcasting internally conflicting status codes that corrupt automated consumer scoring models. Furthermore, leaving a stagnant data string completely un-updated on my public record for nearly XXXX years without transmitting fresh, verified compliance updates constitutes a severe accuracy deficit [ 15 U.S.C. 1681s-2 ]. I demand that your corporate compliance department execute an immediate manual ledger audit, pull this corrupted data string out of your active outgoing reporting queues, and process a permanent global deletion. You are hereby ordered to physically upload the original, itemized XXXX closing ledger and the signed loan agreement explicitly linked to this account parameter under penalty of 15 U.S.C. 1681s-2 ( b ). If your legal desk can not locate and upload this mandatory verification media before your strict XXXX regulatory countdown timer hits zero, your automated risk systems must execute a hard override, hardcode all system ledger parameters to a permanent closed status, and apply a permanent 'db.no_report = TRUE " suppression firewall around my identity parameters. Bypassing this mandate will log an intentional charge of Willful Non-Compliance under 15 U.S.C. 1681n, which will be immediately referred to my consumer defense firm for a civil summons in federal court [ 15 U.S.C. 1681n ].

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
RE : URGENT FRAUD DISPUTE UNAUTHORIZED LEASE / IDENTITY THEFT Dear XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I formally dispute any alleged lease, tenancy, or financial responsibility associated with apartment/unit XXXX. I never knowingly applied for, authorized, signed, occupied, or utilized the referenced apartment or facilities. Any use of my identity or personal information for housing purposes occurred without my informed authorization or consent. I did not authorize any use of my identity to : apply for housing, enter a lease, assume occupancy, or incur financial obligations. I demand preservation and production of all records associated with this matter, including but not limited to : Signed lease agreements Rental application records Identification documents used Signature verification documents Security footage Building access records Visitor logs Package records Parking records IP logs and timestamps Payment method information Move-in and key issuance records Please preserve all evidence immediately as litigation and law enforcement investigation are anticipated. I have currently : filing an FTC Identity Theft Report, filing police reports, disputing unauthorized credit activity, and consulting legal counsel. You are hereby notified that this matter is formally disputed as identity theft and fraud. I demand that : no further collection activity occur, no negative reporting be furnished, and all communications be directed in writing. Sincerely, XXXX XXXX XXXX XXXX

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
One Main Financial - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They call me XXXX ( XXXX ) every WEEK along with sending me XXXX text messages EVERY DAY. This does NOT include the fact they call the other person on the loan XXXX times a week. XXXX, we are receiving XXXX calls every WEEK on our XXXX loan. I called the company and they said their policy allows them to call as many times as they want and they would not stop trying to contact us. I have also been making payments and noticed my {$10000.00} loan amount has only gone down to {$9000.00} over the course of XXXX months while making monthly payments of {$440.00}. Which makes NO sense considering XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX - So I have paid them {$5200.00} over the course of an entire year and my loan amount is still above {$9000.00}?? The bank says this is because of interest. That is not possible. Out of {$5200.00} only $ XXXX {$1000.00} has gone to the principal? Impossible. My loan use to be for {$17000.00} and I paid it down to {$10000.00} when I had {$7000.00} available after selling a car. I asked to refinance my loan because the {$440.00} payment was for {$17000.00} yet now I am still paying {$440.00} a month on {$10000.00} and somehow have made no process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: NJ

Complaint narrative:
i owed XXXX $ to halsted financial as shown in a previous complaint. they took the offer back and now its with another debt collector for XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Net Pay Advance, Inc.
State: KS

Complaint narrative:
On XX/XX/year>, I contacted Net Pay Advance and clearly instructed them to stop using my XXXX XXXX account for billing and to switch all future payments to my Capital XXXX account. Despite this, the company proceeded to charge my XXXX XXXX account after my authorization had been revoked. I contacted the company again after the charge was made and requested that they void or reverse the transaction. They refused to do so. This transaction is unauthorized because I explicitly withdrew permission prior to the charge. The companys refusal to reverse the charge has resulted in improper withdrawal of funds from my XXXX account and is causing financial hardship. I have also notified XXXX XXXX and opened a dispute. I am requesting : XXXX. An immediate refund of the unauthorized charge back to my XXXX XXXX account XXXX. Written confirmation that my XXXX XXXX account has been permanently removed from their billing system XXXX. XXXX that no further unauthorized debits will occur XXXX. Expedited provisional credit from XXXX XXXX while the investigation is ongoing This is a violation of my rights regarding unauthorized electronic fund transfers after revocation of authorization. I request prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This complaint is a supplement to my initial CFPB complaint, reference number [ XXXX ]. Since filing that complaint, I have received a form letter dated XX/XX/year> from Citi / AAdvantage stating that the XXXX signup bonus offer on my AAdvantage Executive Card " was for a limited time and the expiration date can not be extended. '' This letter directly contradicts the current position of Citi 's own executive customer relations team, who have been in active contact with me since my initial CFPB complaint was filed and have represented that they are working internally to secure an extension of the bonus window. The bonus offer expired solely because the card was non-functional for three months due to Citibank 's issuance error the card was linked to the wrong AAdvantage account from the day it arrived. I was advised not to use the card during this period. I therefore had no opportunity to meet the {$10000.00} spending threshold required to earn the bonus through no fault of my own. I am attaching the XX/XX/year> form letter as evidence. I am requesting that the CFPB ensure Citibank honors the commitment its executive team has represented it is working to fulfill specifically, a full extension of the XXXX signup bonus window for the entire duration of the outage, beginning from the date the card is confirmed fully functional with the correct AAdvantage account number applied. Primary CFPB complaint reference : [ XXXX ] Citibank Executive Card : [ last 4 digits : XXXX ] Name : XXXX ( XXXX ) XXXX

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