vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Complaint Against Citibank Home Depot Credit Card I have a Home Depot credit card account serviced by Citibank. My balance is approximately {$1300.00} I had automatic payments set up on this account. In addition, my wife made additional payments to ensure the account was paid on time. Citibank returned the checks that were sent for payment. These were not bounced for insufficient funds they were returned by Citibank. We received the returned checks and redeposited them into our bank account. 

Because Citibank returned the payments, the account was marked late and a late payment fee was added. This late fee was not caused by failure to pay, but by returned payments initiated by Citibank. We made good faith efforts to pay on time through automatic payments and additional mailed payments. 

I am requesting : Immediate removal of the late fee. 

Reversal of any interest charged as a result of the late fee. 

Confirmation that no negative information has been or will be reported to any credit bureau. 

A written explanation of why the payments were returned. 

I am trying to resolve this responsibly and in good faith. I had been in contact with Citi bank twice with three different people and all of them give me conflicting information. The branch XXXX that I spoke with today XX/XX/year>26 around XXXX pm XXXX with Employee ID : XXXX was unhelpful and dismissive. I am requesting a formal review and correction of my account.

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 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I submitted a XXXX XXXX XXXX XXXX application against XXXX University, an Exhibit C school under the XXXX XXXX XXXX ( formerly XXXX XXXX XXXX ) settlement. 
I am a post-class applicant, and under the court-approved settlement, the Department of Education was required to issue a decision on my application no later than XX/XX/year>. 
As of XX/XX/year>, I have not received any decision or written notice from the Department of Education. Under the settlement terms, failure to issue a decision by the deadline entitles the borrower to Full Settlement Relief, including full discharge of the related federal student loans. 
I am filing this complaint because the Department of Education has failed to comply with a court-ordered deadline, and my loans have not yet been XXXX despite my legal entitlement to relief.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
tried paying they denied pymt twice. Plus balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I had solar panels put on my home but the XXXX that sold me the panels told me lies from the beginning he told me I wouldnt pay more than {$140.00} dollars he also told me my XXXX XXXX bill would not be more than {$63.00} dollars. He said that I could file some kind of tax form to get at least XXXX XXXX dollars back for purchasing the solar panels and that was a lie also. I let the XXXX know that I was not working at the time and I was on a fixed income and I could not afford over {$250.00} in electrical bills he stated I would not pay more than that. This contract was sold to me under complete lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Some one opened GM master card on my name. I bought care from a dealership in XXXX ca in XXXX and that time dealership issued a GM points reward card which was just to collect points and use use towards repair or to buy something from XXXX  XXXX. I never had credit card from that company. I a letter in XX/XX/XXXX2025 which was statement and past due payment. I called company to file dispute and waiting for their answer. Now today on XX/XX/XXXX2026 I recived letter again whos is asking me to pay the balance. I called company again and they said your claim was denied and if you want file dispute again make a police report and report your theft to FTC. I am filing this report so I can settle dispute with company. I have placed fraud alert on my credit buero.

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 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
All the overdraft fees from them needs to be paid back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SACOR FINANCIAL, INC
State: AZ

Complaint narrative:
SACOR Financial , Inc I received first communication from SACOR Financial , Inc today XX/XX/scrub>XXXX 

Instead of trying to reach me at one of many valid mailing address 's, or email they Immediately slandered me to 8 different address 's clearly not me including court documents I have never seen and unconfirmed debt amounts. Furthermore this supposed debt was to an LLC and they attacked my personal name with a lie of debt to my name which isn't true. 

This list of people included the following. 

1. ) My ex employers 2. ) My ex employers wife 3. ) My ex employees children 4. ) a non profit and potential client 5. ) 3 current clients They accused me owning debt when they have never spoke with me or tried to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Viking Client Services
State: TN

Complaint narrative:
Viking Client Services , Inc., acting on behalf of XXXX, repeatedly contacted me regarding a rental vehicle claim. I informed them that the vehicle was insured and provided the correct insurance company. Despite this, they continued to pressure me for personal information and attempted to involve my personal insurance policy, which was not applicable to this accident. 

Their conduct felt harassing and inappropriate, and they attempted to gather information beyond what was necessary including personal information regarding my family members. I have since requested in writing that they cease contact. I am filing this complaint to document their conduct and prevent further improper contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AK

Complaint narrative:
" I was a victim of theft for a transaction made via PayPal XXXX in XXXX. I filed a police report ( attached ) and disputed the transaction with my financial institution, XXXX XXXX. 
XXXX XXXX  investigated the fraud, reviewed the police report, and ruled in my favor, determining I was not liable. Despite this, PayPal refused to clear the fraudulent balance. Instead, they charged off this invalid debt and sold it to a third-party collector ( XXXX XXXX XXXX ) , causing financial harm. 
PayPal is knowingly collecting on a debt that law enforcement and a regulated bank ( XXXX ) have confirmed is the result of theft. 
I am requesting that PayPal immediately : Recall this debt from XXXX XXXX XXXX. 
XXXX out the balance. 
Remove all negative information from credit reporting agencies. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
In XXXX an authorized payment of {$620.00} was attempted multiple times to be pulled out of my checking account. I called the company and closed my account after they told me they couldnt tell me who was processing the payment because it was through a self service website. My bank returned the charge and covered the {$25.00} fee. Then on XX/XX/XXXX another unauthorized payment of {$560.00} was removed from my account. This time when I called asked why this was happening they again couldnt tell me but removed all my financial information. I went to the online account and it stated the account was closed and I could not find any trace of my bank account information. I thought all was good. But I did try to completely remove the online access and was told there was no way to do that. Then on XX/XX/XXXX they attempted again to pull the amount from my bank! My bank has been very helpful but this is ridiculous and completely illegal. We are not authorizing the payment and the company has done nothing to help us understand how this is happening. It looks like the payments are scheduled but that is also turned off. I am on XXXX and can not continue to have these illegal charges being made to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ), to formally dispute inaccurate information currently appearing on my consumer credit report. 

The account listed as : Creditor : TRUE ACCORD CORPORATION Account Number : Not listed on Consumer Credit Report. 
Balance : {$60.00} is inaccurate and incomplete. 

I have never received prior written notice or validation of this alleged debt before it was reported. I dispute the accuracy, completeness, and validity of this account in its entirety. 

Under 15 U.S.C. 1681a, information reported must be accurate and verifiable. Under 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a reasonable reinvestigation of disputed information. Additionally, under 15 U.S.C. 1681b, any furnishing of information must be based on a permissible purpose. If this account can not be verified with competent evidence, it must be deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 

Please provide : The name and contact information of the original creditor. 
A copy of the original signed contract or agreement bearing my signature. 
Documentation proving the furnisher had permissible purpose to report. 
Complete payment history reflecting how this balance was calculated. 


If the information can not be fully verified, I demand immediate deletion of this account from my credit file. 

Please send me written confirmation of your reinvestigation results and an updated copy of my credit report. 

Failure to conduct a reasonable reinvestigation may constitute noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: SC

Complaint narrative:
I had an account with US Bank credit card. I made all my payments on time. I close the account. Theyre still reporting that the account is open XXXX  that XXXX had an account with US Bank credit card. I made all my payments on time I close the account theyre still reporting the account is open XXXX  that XXXX derogatory on my payments my XXXX score. It was gone down XXXX points. The account has been satisfied XXXX  closed. Theyre not reflecting this. They straightened it out on XXXX  XXXX  on XXXX, but not XXXX XXXX  not 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 non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, money was withdrawn from my Citi account without my authorization. I never authorized this transaction XXXX  did not share my PIN with anyone. During this time, my debit card was lost. 

I immediately reported my card lost XXXX  Citi XXXX  filed a dispute regarding this unauthorized transaction. Citi later reversed the dispute, stating that the transaction was authorized because my card was in my possession which it was not. 

I request a formal review under Regulation XXXX, as the use of a PIN alone does not prove authorization. I also request Citi provide documentation of their investigation XXXX  any evidence relied upon to determine I authorized the transaction. 

Due XXXX  this reversal, my account is negative, which has caused financial hardship. I request that Citi waive any overdraft fees associated with this unauthorized transaction while the investigation is ongoing. 

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
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/, I paid {$180.00} through PayPal to XXXX XXXX XXXX XXXX XXXX ( Order # XXXX ) for a XXXX. 

Due to concerns that the website was potentially fraudulent, I filed a dispute with PayPal the same day. 

PayPal closed the case in my favor and issued a refund of {$180.00} on XX/XX/. The merchant canceled the order, so I never received the item. 

After the refund was completed, PayPal attempted to charge me three additional times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/. One of these charges successfully posted to my bank account. 

I contacted PayPal customer support multiple times. They repeatedly told me the refund had been issued and would post within 35 business days, and explained that the payment to the seller was upfronted and the refund was pending until funds were received from my bank.

Regardless of the explanation, it does not make sense that they issued a completed refund and then charged me multiple times afterward. This is not normal, and I consider these charges improper since the case was already closed in my favor and I was owed a refund. 

I provided PayPal with all requested bank statements showing that the refund had not been offset correctly, but since submitting proof, they have stopped responding. 

To summarize : Case closed in my favor Refund of {$180.00} issued on XX/XX/XXXX  Merchant canceled the order ; no item received PayPal attempted to charge me three times after the refund One charge successfully posted Bank statements and proof provided PayPal stopped responding I am requesting that PayPal address why they charged me after the refund and immediately reverse the improper charge of {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/year>, I sent a {$2000.00} XXXX payment to what I believed was my concrete contractor requesting a deposit for scheduled sidewalk work mandated by the city. I later discovered that the contractor 's business email had been hacked and I was communicating with a fraudster impersonating him. This is a Business Email Compromise ( BEC ) scam. 

I filed a claim with Bank of America on XX/XX/year>. The Bank of America Fraud Claim number is XXXX ( fraud existing claims phone number : XXXX ). The bank classified as an authorized payment despite the fact that I was deceived through impersonation fraud using a compromised third-party business email account. I am requesting that the bank review this as impersonation fraud and recover or reverse the {$2000.00} XXXX transfer. 

The receiving account was fraudulent and I had no way of knowing the payment request was not legitmate as it arrived in the same email thread I was using to communicate with the contractor. After informing the contractor, he confirmed his email was compromised.

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 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/year>, I was approved for a XXXX line of credit issued by Synchrony. I made two small purchases ( XXXX XXXX and XXXX, under {$100.00} ). Within 24 hours, Synchrony closed the account due to an error, falsely linking me to a fraudulent account. They later confirmed in writing that was incorrect. I never received a card, account number, or statements despite multiple requests. I paid off my purchases, yet they claim I owe {$190.00} with fees. I request removal of all negative reporting, including the initial closed account notation, and removal of all late fees. I have asked them to fix this many times. Due to their failure to provide the necessary information, I was unable to avoid this situation. They continue to harm my credit unjustly. Please investigate and ensure full correction. I want all negative impact to my credit removed, I want all interest and fees removed as they failed to give me even a simple account number to be able to go online and pay. I dont feel comfortable paying a stranger online.

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 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am submitting a complaint regarding the handling of a debt dispute by National Credit Systems XXXX XXXX concerning a debt allegedly owed XXXX  XXXX XXXX XXXX XXXX. 

While attempting to resolve this dispute, I provided documentation to support my position that the debt was inaccurate. However, XXXX, specifically XXXX XXXX XXXX, misrepresented my submitted documents as originating from XXXX XXXX, implying that the creditor had verified the information. This is false XXXX  misleading XXXX  has caused confusion regarding the validity of the debt. 

Furthermore, the documentation that XXXX claims XXXX  have from XXXX XXXX is inaccurate XXXX  incomplete. XXXX is attempting XXXX  use a lease agreement from XXXX XXXX  verify a debt spanning XXXX through XXXX. They are attempting XXXX  use an incomplete lease agreement, as they only have XXXX page of a lease that originally had several pages, including a full list of tenants. Using this outdated XXXX  incomplete document XXXX  verify the alleged debt is misleading XXXX  improper. 

I previously submitted a dispute XXXX  National Credit Systems on XX/XX/XXXX, regarding this debt. As of XX/XX/XXXX, they have still not provided valid documentation, despite my follow-up emails on multiple occasions. This demonstrates a failure XXXX  properly respond XXXX  my dispute XXXX  verify the debt, XXXX highlights a pattern of mismanagement. 

I asked XXXX XXXX  obtain valid documentation from XXXX XXXX XXXX XXXX XXXX  verify the alleged debt, including leases from XXXX listing all tenants and  an accurate ledger of account activity. Instead, XXXX only provided an inaccurate and misleading event history report XXXX  the irrelevant XXXX lease agreement described above. 

For this complaint, I am submitting only the relevant documents : XXXX ledgers I obtained showing actual account activity, highlighting the differences with the event history report submitted by XXXX. 
The single XXXX XXXX lease page that XXXX used. 

Additionally, XXXX refused XXXX  provide any valid, independent documentation from XXXX XXXX verifying the debt, instead relying on my own submissions XXXX  substantiate their claims. This practice is misleading XXXX  may violate my rights under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: PA

Complaint narrative:
On XX/XX/year>, I entered my XXXX XXXX account number for a {$3400.00} balance transfer. I did not select XXXX, nor did I enter any XXXX address or information. 
XXXX XXXX is issued by XXXX XXXX. Your system generated the payee information and redirected the payment to XXXX. 
This constitutes a misapplied balance transfer due to creditor identification error. 
I am requesting : A copy of the negotiated check ( front and back ) Written explanation of how my XXXX XXXX  number was matched to XXXX Immediate correction of the {$3400.00} balance Removal of all interest and fees during investigation Confirmation that this is being treated as a formal billing error under the Fair Credit Billing Act

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