vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Someone is trying to use my information to purchase an online transaction for illegal activity. I never had Citibank account and the transaction is occur in the foreign country.

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 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/year>, my PayPal account was compromised by an unauthorized third party. The individual added a credit card ( ending in XXXX ) to my PayPal account and initiated two fraudulent transactions in the amounts of {$53.00} and {$64.00}, totaling {$110.00}, which were debited from my linked XXXX XXXX account. I immediately reported the fraud to both PayPal and my bank. PayPal investigated the matter and closed the dispute in my favor, confirming the transactions were unauthorized. Additionally, XXXX refunded the full amount of {$110.00} to my bank account. Despite this, PayPal later began attempting to recover the same {$110.00} from me. PayPal has already removed {$47.00} from my PayPal account and is now claiming that I owe an additional {$69.00}, totaling the same {$110.00} that was previously determined to be fraudulent. PayPal has not provided any clear or valid explanation for why I owe this money. I did not receive any duplicate refund or payment that would justify PayPal reclaiming these funds. Their actions contradict the outcome of their own fraud investigation. I have contacted PayPal multiple times, but their customer service has not been able to resolve the issue or provide meaningful assistance. Representatives rely on scripted responses and can not explain the charges. Additionally, I am receiving frequent calls and text messages from PayPal attempting to collect this alleged debt, which is unwarranted and distressing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

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 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I am a victim of identity theft. After reviewing my credit reports, I discovered several accounts and derogatory items that I do not recognize and did not authorize. These accounts were opened, used, and/or reported without my knowledge, permission, or consent. The fraudulent accounts I am disputing include : XXXX ( XXXX XXXX ) Balance : {$5400.00} XXXX ( XXXX XXXX ) Balance : {$1200.00} XXXX ( XXXX XXXX ) Balance : {$1900.00} FRD MOTOR CR ( Ford Motor Credit ) Balance : approximately {$32000.00} These accounts have been reported with negative information, including late payments, charge-offs, closed account statuses, collection activity, and other derogatory reporting that has caused substantial damage to my credit profile. I never applied for, authorized, signed for, used, possessed, benefited from, or received any goods, services, credit, or proceeds associated with these accounts. I did not authorize any third party to open or use these accounts on my behalf. Upon discovering these accounts, I immediately began reviewing my credit reports and gathering documentation. I am now reporting this matter as identity theft and requesting a complete investigation into the origin of these accounts, the information used to establish them, and the reporting associated with them. I request that all fraudulent accounts, balances, late payments, charge-offs, collection activity, and any related negative information resulting from identity theft be removed from my credit reports and corrected accordingly. I certify under penalty of perjury that the information provided in this report is true and correct to the best of my knowledge and that I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint regarding continued unauthorized charges on my Citi replacement credit card, despite having previously reported the fraud and received a replacement. In late XXXX, my replacement credit card was stolen before it was ever delivered to me. During that time, multiple unauthorized transactions occurred, totaling {$700.00}, which I reported and disputed with Citi. Subsequently, Citi issued another replacement card. Despite this, I later discovered recurring XXXX membership charges linked to another individual 's account that have continued for XXXX months using my replacement card ( {$9.00} each on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> ). This is particularly concerning since the charges continued even after the card replacement following confirmed fraud incidents. Based on this, it appears possible that the payment credentials from the compromised replacement card may have been automatically carried over, reissued, or updated onto the new card through a digital wallet, tokenized payment system, or card-on-file updater process. I can not confirm the exact mechanism, but the continued charges after replacement suggest a systemic failure in Citi 's safeguards designed to protect and reissue replacement cards securely.

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 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE INQUIRIES DO NOT REFLECT AUTHORIZED CREDIT ACTIVITY. I DID NOT PROVIDE CONSENT FOR THEM. I AM FORMALLY DISPUTING THESE ITEMS AND REQUEST A THOROUGH INVESTIGATION. IF THEY CAN NOT BE PROPERLY VERIFIED, THEY MUST BE REMOVED IMMEDIATELY.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2026, I disputed a XXXX charge for {$340.00} related to XXXX tickets after I was unable to access the tickets for several hours due to issues with XXXX app. I attempted to resolve the matter directly with XXXX first, but XXXX denied my request for assistance. I then filed a dispute with BMO Harris Bank ( Dispute ID : XXXX ). On XX/XX/2026, BMO issued a provisional credit for the disputed amount of {$340.00} while the investigation was pending. After receiving the provisional credit, I received no requests for additional information, no follow-up communication regarding the investigation, and no opportunity to provide supporting evidence. In fact, a BMO representative previously informed me that I would have an opportunity to submit screenshots and supporting documentation once the bank contacted me regarding the dispute. That contact never occurred. On XX/XX/2026, BMO reversed the provisional credit without any prior notice or explanation. When I contacted BMO through chat, I was initially told that the investigation was still pending. The representative later corrected herself and stated that the investigation had been completed and decided against me. However, I was never provided with the results of the investigation, a written explanation of the findings, notice of the evidence relied upon, or notice that the provisional credit would be reversed. Based on the information available to me, BMO appears to have failed to provide the notices and explanations required under Regulation E, including the written explanation of findings and notice associated with the reversal of a provisional credit. I am requesting CFPB assistance in obtaining a complete explanation of BMOs actions and ensuring compliance with applicable consumer protection laws.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS

Complaint narrative:
The acct I had with Citizens Bank was strictly for my XXXX. I paid all my bills through it. In XXXX there were 2 unauthorized charges made, those were dealt with, Citizens Bank did credit the account all the overdraft fees. However with the 2 days of contacting their customer service, a fellow that could NOT SPEAK OR UNDERSTAND ENGLISH end up putting several of my previous payments in as fraud!! Including good payments to XXXX. My only form of outside communication was shut off!!! Now I owe XXXX {$210.00}, that was taken by Citizens Bank and I have no idea where it went!!! The more stress I'm under the sicker I get!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
After months of discussion with bank of America and after entering a loan forbearance program, I was told that I had a 30 day window to apply for a loan modification. I started the process as early as I was able on XX/XX/26. It is now a month later on XX/XX/26. Today on XX/XX/26 I received a notification that BofA needs a physical copy VIA POSTAL MAIL of documents that I provided via their portal nearly one month ago. The loan modification process ends today on XX/XX/26, clearly it is impossible to send physical documents today before the deadline ends. I have spoken with agents 7 separate times including today and responded to requests with agent guidance and to the best of the agent 's knowledge every time. I have followed the agent 's guidance with exacting precision each time. Each time I receive new requests for information that the underwriter/boa has provided I have replied in the exact manner as directed. Two times, agents spoke directly with the underwriter to get clarity on details that they were asking for and both times verified that they would not need further information. Every time BofA has requested information I have replied within one business day if not the same day. BofA routinely takes 3-5 business days to reply back. I have in writing asked for clarification of details and this request has been ignored. This process is clearly set up by Bank of America to fail. I believe that BofA has intentionally been delaying the flow of information and making duplicative or difficult to understand or information lacking requests to complicate and slow down the process of completing the loan modification request process within the allotted 30 day time.

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
My husband I suppose owes a debt from way before he met me. AAfes has taken all my money of my tax refund for XXXX. This year i filled an injured spouse cause all the tax money is mine. My husband has no income what so ever. They put my name on the aafes debt. Which is not mine and I would never apply for an aafes XXXX-card knowing what a ripoff and extortion of XXXX they are also using a unethical practice and third parties. That constantly call me and have harassed me for a debt thats not mine. I got nothing to do with that at all. I need them to immediately remove my name from any documents when they are trying to collect anything from anywhere. That is called being a thief so get my name out of your papers, my number and social security number out of their company records. They will not get a dime from me. As far as last years income tax also filed a injured spouse amendment {$810.00} will have to be refunded.

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 2026-05-29 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, I called Chase to dispute the transactions from merchant XXXX XXXX. The representative confirmed my dispute was submitted and I would hear back within two business days. I never received a response. Upon following up, I learned no dispute was ever filed. I was given false confirmation by a Chase representative, which I believe constitutes deceptive conduct under the Fair Credit Billing Act. Chase has failed to process my dispute and has not issued provisional credit. I am requesting that Chase immediately submit my dispute, issue provisional credit, and review the call recording from XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This is regarding my savings account with Ally Bank. In order to transfer my money to/from another bank i need to add the bank account using account number and routing number. Every time i try to add the account it give me an error that i have reached limit of 20 accounts and does not allow me to add any account. This error message is completely false as i have not reached the max limit of 20 external accounts. Even after wasting several hours on the phone and filing an issue to their operations team several times yet they refuse to fix the issue and continue to give me the run around for no reason and have already wasted several days/weeks with zero response. I also called the executive customer relations number and nobody answers on that number.

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 2026-05-29 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: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-05-29 00:00:00
Product: Checking or savings account — Savings 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I placed an online order with XXXX store # XXXX on XX/XX/year> around XXXX. My total was {$460.00} but XXXX did a temporary hold for the adjusted amount of {$470.00}. This charge was charged 3 times on my savings account within minutes of eachother. My bank reversed XXXX duplicate charge but the XXXX others are still processing In My account leaving my balance {$470.00} less than what it should be. I called my bank to correct the duplicate charge and they said they can dispute it once it's Done processing but I should contact XXXX and see if they are able to correct the error. They informed me that many of their customers have called and complained about the same issue. And I have had the problem in the past as well. I contacted XXXX and they saw the charge but have to wait till it's done processing before they can return the duplicate amount back to my account and it could take up to 10 days but they said it likely won't take that long. I got an incident number which is XXXX. In the mean time I don't have access to that duplicate amount they charged and now I have to figure how I'm gon na pay my other financial responsibilities. I'm contacting you guys because this is clearly a problem with their billing system and I'm certain this double charging issue has been previously brought to their attention based off the numerous complaints my bank says they get and still the issue has not been fixed in the XXXX system. I want them to correct whatever flaw in the system that is allowing it to instantly charge customers accounts twice and in the case 3 times for the same order. I shouldn't have to be put in a financial hardship for even a day because of walmarts billing mistakes and expect the problem to be corrected in the system immediately.

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 2026-05-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is an additional information adding into my previous case XXXX The recipient, XXXX XXXXXXXX , has informed me that XXXX has officially FROZEN his account due to these transactions. I was not the only victim in this scam ring. Others that were involved have also disputed against XXXX XXXX. This proves that XXXX 's own fraud department recognizes these funds as illegitimate. The {$22000.00} is currently locked and held by XXXXXXXX XXXX risk division. American Express is continuing to enforce a standard XXXXFriends and Family ' technicality on a transaction that the processor itself has frozen for fraud. I demand AmEx coordinate with XXXX to reverse this frozen, fraudulent balance immediately

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XXXX/XXXX XXXX XXXX XXXX acct # XXXX are claiming I have an unpaid debt from a XXXX XXXX. They are threatening to claim legal action and claim they sent documents to my current mailing address, but nothing has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
My mortgage servicer, Carrington Mortgage Services, is actively ignoring formal notifications regarding severely defective collateral on Loan # XXXX. On XX/XX/2026, I notified Carrington that the property securing this loan suffers from unmarketable title due to the primary dwelling physically encroaching into recorded Public Utility and Drainage Easements. The title insurer, XXXX XXXX XXXX ( Claim No. XXXX ), has acted in bad faith and refused to defend the title. Carrington was given a deadline of XX/XX/2026, to respond to my Notice of Defective Collateral and failed to do so. I am filing this complaint because Carrington is failing to investigate a severely impaired asset, missing deadlines, and ignoring critical communications regarding the unmarketability of my home. I am requesting the CFPB compel Carrington to officially respond to my Notice of Error and initiate an investigation into the defective collateral. ''

Company response to consumer: Closed with explanation