vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding CitiCards ' handling of my credit card account and the resulting adverse actions taken against me despite my long-standing positive payment history. I have been a CitiCards customer since XXXX and have maintained an excellent payment history and credit profile throughout my relationship with the company. My account had a credit limit of {$21000.00}, which I used and managed responsibly. XXXX # XXXX. In [ month/year ], my account became 33 days past due after an annual fee was posted to the account and was inadvertently overlooked. This was an isolated incident and not reflective of my overall payment history or creditworthiness. Following notification of the delinquency, I promptly brought the account current. Shortly thereafter, CitiCards reduced my credit limit from {$21000.00} to {$2000.00}, representing a reduction of more than 90 % of my available credit. This action had a significant adverse impact on my available credit and overall credit profile. After the account was brought current, I contacted CitiCards and requested reconsideration of the credit line reduction based on my long-standing relationship with the company, my excellent payment history since XXXX, and the fact that the delinquency resulted from an annual fee posting rather than a pattern of missed payments. My request was denied. Additionally, during my efforts to resolve this matter, I was informed that it would take approximately 51 days to process the annual fee adjustment or credit. I believe this timeframe is unreasonable and contributed to the negative consequences associated with this matter. I am concerned that CitiCards failed to adequately consider my overall account history and creditworthiness before taking adverse action. I am also concerned about the reasonableness of the company 's billing adjustment process and the impact these actions have had on my credit standing. Desired Resolution : Conduct a comprehensive review of the adverse actions taken on my account. Reinstate my original {$21000.00} credit limit. Correct any negative credit reporting associated with this incident, as the delinquency was isolated and related to the posting of the annual fee. Refund the annual fee that contributed to this issue. Refund any late fees or related charges assessed as a result of this matter. Provide any necessary billing adjustments to restore my account to the position it would have been in absent this issue. Provide a written explanation of the basis for the credit line reduction and the denial of my request for reconsideration. I believe these actions would constitute a fair resolution and appropriately account for my longstanding history of responsible account management with CitiCards.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD 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 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 2026-06-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The reported payment information for this account appears inconsistent with the actual history of account performance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a check exceeding {$30000.00} into my Chase business account. Chase placed a hold until XX/XX/year>. The issuing bank has confirmed the funds were withdrawn from the payer 's account, yet Chase continues to hold the deposit. I requested a specific explanation for the extended hold and whether the funds had cleared, but I have not received a clear answer. I would like Chase to explain why the funds remain unavailable after the issuing bank has honored the check and whether Chase uses customer deposits during these extended hold periods for its own liquidity or investment purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year>, I signed an online contract with a roofing contractor for installation of a XXXX XXXX XXXX XXXX totaling {$22000.00}, financed through an installment loan with the lender ( point-of-sale financing ). The contractors branded estimating tool offered four options for my property : XXXX XXXX XXXX ( $ XXXX {$19000.00} ), and three shingle varieties. Exposed fastener panels were not presented as an option. The contract I signed identified the product as a XXXX XXXX XXXX XXXX with standing seam imagery on the cover page. The contract amount of {$19000.00} for the roof alone exceeds the top of the contractors published standing seam range. On XXXX XXXX XXXX when materials were delivered and installation began, I discovered that the materials being installed were XXXX XXXX XXXX exposed fastener panels a cheaper agricultural-grade product, not the contracted XXXX XXXX XXXX XXXX I ordered the crew to stop work on XX/XX/year>. On XX/XX/year>, I filed a complaint with the lender. The lender confirmed in writing that the contractor had never notified them of work completion and had never submitted a request for payment. On XX/XX/year>, instead of going through the lenders payment process, the contractor recorded a Sworn Statement and Notice of Intention to Hold Mechanics Lien against my property for the full contract amount of {$22000.00}. The owner had previously acknowledged in writing on XX/XX/year> that the work was only XXXX of the way complete. The contractor bypassed the lenders verification and payment process likely because the lender would have identified the material substitution. Instead, they attempted to collect outside the loan agreement by filing a fraudulent lien against my home. I have filed a Verified Petition to Discharge the Mechanics Lien ( Cause No. XXXX ) and have active complaints with the Indiana Attorney General ( Case # XXXX ) and the 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 2026-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing regarding Nordstrom/TD Bank account currently being reported monthly to XXXX XXXX and XXXX as an active charge-off balance. I recently attempted to resolve and make payment on this account and was informed by TD Bank representatives on XX/XX/year> that the account had previously been sold to XXXX XXXX and later recalled by TD Bank around XX/XX/year>. TD Bank further stated that payment can not currently be accepted pending internal paperwork and processing. XXXX XXXX separately confirmed that the account was recalled and that they are not servicing, collecting on, or handling this account in any capacity. Despite these statements, the account continues to be actively verified and reported monthly to XXXX XXXX and XXXX with an outstanding balance. At this time, no entity has been able to clearly identify who currently owns this account, who currently services this account, who currently has authority to accept payment on this account, or who currently has authority to continue furnishing monthly reporting to the credit bureaus. Please note that I attempted in good faith to resolve and make payment on this account, but no entity has currently been able to accept payment or clearly identify the servicing authority. However, every dispute comes back verified with an address and phone number. On XX/XX/year>, I sent a certified mail through XXXX. I was notified shortly after that the mail is being returned to sender due to-forwarding address being expired, even though they verify from this address/location to each one of my disputes. Additionally, they are reporting the same account twice on XXXX!! I'm at a loss. I am trying to get Preapproval and a mortgage. Please help. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding my recent experience with XXXX XXXX XXXX and the repeated restrictions placed on my credit card account. I opened my XXXX XXXX credit card account in XX/XX/year>. On XX/XX/year>, I made my first payment using my personal checking account. Despite linking and verifying my bank account during the payment process, XXXX XXXX placed a block on my account and required additional proof that the checking account belonged to me. I promptly provided the requested documentation, including a screenshot from my bank account. After several days of waiting, the restriction was finally removed. Unfortunately, the same issue has occurred again. Today, I made another payment using the exact same checking account that was previously verified and approved by XXXX XXXX. Once again, my account was blocked, and I was instructed to provide additional proof that the payment was coming from my account. The problem is that the payment has not yet cleared my bank account, making it impossible for me to provide the exact documentation being requested at this time. I contacted XXXX XXXX customer service and was transferred among four different supervisors without receiving a reasonable resolution. The final supervisor informed me that the only action available was to submit a request to the verification department to review the documentation I had already provided previously. I was then advised that it could take an additional 7 to 10 days for my account to be reviewed and potentially unblocked. This situation is unacceptable. My checking account was previously verified, yet XXXX XXXX continues to place unnecessary restrictions on my account without justification. These actions have prevented me from accessing my available credit and have caused significant inconvenience and hardship. Due to this restriction, I am unable to use my available credit for important family expenses, including purchases for my son 's birthday this weekend. I am requesting the immediate removal of the block on my account, a full review of XXXX XXXX 's verification procedures, and reimbursement or reversal of any fees associated with this matter. Additionally, I believe a credit toward my annual fee is warranted given the repeated inconvenience, unnecessary delays, and poor customer service I have experienced. I expect a prompt response and resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I was presented with a credit offer from Prosper that was clearly marketed as pre-approved for up to {$8000.00}. Based on this representation, I proceeded under the understanding that I had already been pre-approved and was finalizing the offer. After I accepted the offer, Prosper performed a hard inquiry on my credit report. Following this inquiry, I was then denied the credit offer. At no point prior to acceptance was it clearly disclosed that a hard inquiry would be required or that approval was still subject to additional underwriting after acceptance. The sequence of events was misleading and created a false expectation of pre-approval. As a result, I received a hard inquiry on my credit report without receiving the credit product I was led to believe I had already been approved for. This has negatively impacted my credit profile. I am requesting removal of the hard inquiry from all credit bureaus and a written explanation of Prospers pre-approval and underwriting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am filing this complaint against HSBC Bank USA, N.A. for their total failure to correct my credit reporting data and their ongoing stonewalling of my dispute, which is now severely damaging my ability to open any new credit lines. The entire issue originated from a silent technical failure on XX/XX/year>, by my automatic payment processor, XXXX, during their backend vendor migration. XXXX unilaterally switched from a deferred debit model to an immediate draw mechanism without prior notice or disclosure to consumers, causing my recurring mortgage payment to be rejected automatically. Because neither XXXX nor HSBC sent me any failure notifications, I remained completely unaware of this issue, which subsequently affected the reporting for XXXX and XX/XX/year>. This long-term perfect payment history before and after this event clearly proves that I acted entirely in good faith. Upon discovering the error, I filed formal disputes with the XXXXXXXX XXXX XXXX Both XXXX ( Confirmation # XXXX ) and XXXX ( File ID # XXXX ) thoroughly investigated the evidence and ruled in my favorofficially updating my account status to " Pays As Agreed/ Current '' with {$0.00} past due. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus update their records based on lender validation, but HSBC must correct its underlying historical data to permanently erase the negative impact. However, HSBC is completely ignoring my requests and acting in bad faith. When I call HSBC, their phone agents flatly claim they " have no way to change it. '' When I email my Relationship Manager and Client Service teams with the official credit bureau results, they engage in endless buck-passing, refusing to provide any meaningful response or actual resolution. I demand that HSBC provide an immediate, clear, and definitive response regarding this matter. Specifically, they must manually update their internal system, completely wipe out the any residual " 30 days late '' historic records from XXXX, XXXX and XX/XX/year> across all platforms, and officially confirm that my remaining past-due balance and associated late fees are exactly {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally writing to the cfpb to get some assistance with Experian consumer solutions. The following account appearing on my consumer credit report. This account is fraudulent and the result of identity theft. I did not authorize, open, benefit from, or have any contractual relationship regarding this alleged account. * Collection Agency : XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX Reported Balance : {$290.00} * Date Opened : XX/XX/2026 XXXX

Company response to consumer: In progress
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: MO

Complaint narrative:
On XX/XX/XXXX, I obtained a payday loan from XXXX XXXX the amount of {$900.00}. During XXXX and XX/XX/XXXX, I made payments totaling {$800.00} toward the loan. On XX/XX/XXXX, I received a collection notice claiming that I owed an additional {$920.00} Given the payments already made, I dispute the amount being claimed and have requested validation of the debt. Specifically, I am seeking documentation of the original loan agreement, a complete payment history, an itemized breakdown of all fees, interest, and charges that resulted in the claimed balance, and proof that the collector has the legal authority to collect the debt. Until sufficient documentation is provided to validate the debt and explain the balance claimed, I continue to dispute the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LLC 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 2026-06-12 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: GA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 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 2026-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint regarding XXXX handling of a fraudulent transaction and its failure to adequately respond to my concerns. On XX/XX/year>, a payment of {$12000.00} was made toward my Citibank loan account ( # XXXX ). Before releasing the item that was being sold, I contacted Citibank on XX/XX/year>, to verify that the payment had been received. Citibank confirmed the payment. I contacted Citibank a second time on XX/XX/year>, the day the embroidery machine was delivered to the buyer, and Citibank again confirmed that the payment had been received. Based on these confirmations, I released my embroidery machine ( XXXX XXXX, Serial Number XXXX ) to the buyer. I later learned that the payment was reversed on XX/XX/year>. However, Citibank never notified me that the payment had been reversed. I did not receive any alert, email, letter, phone call, or other communication informing me that the payment had been canceled. On XX/XX/year>, when I contacted Citibank to pay the remaining balance on my loan, I discovered for the first time that the {$12000.00} payment had been reversed. This was XXXX days after the reversal occurred and XXXX days after I had delivered the machine based on Citibanks payment confirmations. As a result, I suffered a financial loss of {$12000.00}. Subsequently, law enforcement investigated the matter and determined that the payment was connected to identity theft. The owner of the account used for the payment was a victim of identity theft from New Mexico. Law enforcement informed me that this victim has also been connected to similar fraudulent activity affecting other states and that the suspect appears to be involved in a broader pattern of fraud. My concern is not only the fraud committed by the suspect, but also Citibanks failure to notify me when the payment was reversed. Had I been notified promptly on or shortly after XX/XX/year>, I could have taken immediate action to attempt recovery of the machine and protect myself from further loss. I submitted a formal written complaint to Citibank by certified mail. The bank received my correspondence, but I have not received a satisfactory response regarding : * Why I was not notified when the payment was reversed. * What policies governed the handling of this transaction. * Whether Citibank reviewed the circumstances surrounding the reversal. * What steps, if any, were taken to protect me as the account holder. I respectfully request that Citibank provide a complete written explanation regarding the reversal of the payment, the lack of notification, and the banks handling of this matter. I also request that Citibank review whether its actions or omissions contributed to my financial loss. Thank you for your assistance.

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