vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Complaint Against Citibank Incorrect Account Closure, Identity Mismatch, and Credit Damage I am filing a complaint against Citibank regarding the wrongful closure of my credit card accounts, forfeiture of approximately {$800.00} in earned rewards, and significant damage to my credit profile. Citibank closed all of my credit card accounts, claiming that I engaged in suspicious activity involving multiple bounced check deposits in a single day. This allegation is entirely incorrect. I do not use checks at all and have never deposited checks. My banking activity consists solely of electronic transactions. Additionally, the checking account referenced by Citibank does not belong to me, and the account details do not match mine. Despite multiple attempts to resolve this issue, Citibank has failed to provide any documentation or evidence showing that the alleged checking account or check activity is associated with me. As a result of Citibanks actions : My credit score dropped by more than XXXX points I lost approximately {$800.00} in legitimately earned rewards My financial reputation has been negatively impacted I believe this situation may involve a serious internal error, misidentification, or improper linking of another account to my profile. I am requesting the following : A full investigation into how this alleged checking account was linked to my identity Written documentation proving the account and activity belong to me Correction of any inaccurate records associated with my profile Removal of any negative credit reporting related to this issue Reimbursement or restoration of forfeited rewards if no violation is proven If Citibank can not provide verifiable evidence supporting their claims, they should immediately correct their records and remedy the financial harm caused. I request a timely and thorough response to resolve this matter. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sent from my 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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Chase Bank Refusing Fraud Claim and Denying Appeal Process Complaint : I am filing a complaint against Chase Bank regarding the handling of a XXXX fraud claim. On XX/XX/year>, I was the victim of a scam in which I lost {$400.00} after being deceived by an individual posing as a legitimate business on XXXX XXXX. The individual misrepresented themselves as a company ( Refurbished-New # XXXX XXXX XXXX XXXX XXXXXXXX ), used multiple identities ( including XXXX XXXX and XXXX XXXX XXXX XXXX and attempted to collect additional fraudulent fees after the initial payment. I did not receive any goods or services. I reported this incident to Chase Bank as fraud ; however, my claim was denied. On XX/XX/year>, I contacted the claims department to request a formal appeal and escalation. I was transferred to a floor supervisor who informed me that I had reached the last point of contact, refused to provide any further escalation options, and declined to identify or connect me with a higher-level reviewer. I was also told that Chase does not protect XXXX transactions. This response does not appropriately address the nature of my claim, which involves fraud and deceptive practicesnot a legitimate or authorized transaction in the ordinary sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Dave Operating, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding a missing refund of {$110.00}. On XX/XX/year>, XXXX issued a refund of {$110.00} to my debit card ending in XXXX ( Dave account ). This refund was completed and sent back to my account. However, I have not received these funds in my Dave account. I contacted XXXX, and they confirmed the refund was processed but were unable to provide a trace number or ARN. I then contacted Dave multiple times through chat support to confirm whether the refund was received or rejected. Dave representatives were unable or unwilling to confirm whether the funds were received, could not provide any transaction trace information, and repeatedly redirected me to wait for the dispute process. My chats were closed without resolving the issue. This is not a pending merchant issue. The refund has already been completed, and the funds are now missing. As the account holder, Dave is responsible for receiving and properly crediting incoming funds to my account. Since the refund can not be located or confirmed, the funds remain unaccounted for. I am requesting that Dave : 1. Investigate and confirm the location of the {$110.00} refund 2. Provide any available transaction or trace details 3. Issue a provisional credit while the investigation is ongoing The funds have not been credited to my account and remain missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
A few months ago I sent a formal request to the debt collector for a full " payment and charge history '' statement from the original creditor ( TXXXX XXXX. My intent is to verify the accuracy of the reported balance, as I believe the amount is incorrect. Despite my request, the debt collector has refused or failed to provide a line-item statement showing the history of all charges and payments. Simply providing a " verification '' letter stating a balance is not sufficient when the accuracy of the entire account history is being challenged. Furthermore, I have disputed this information with the credit bureaus ( XXXX XXXX XXXX XXXX ). The bureaus have failed to conduct a reasonable investigation or remove the unverified information, which I believe is a violation of FCRA Section 611. Under the FCRA, if an item can not be verified with documented evidence upon request, it must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
Account Credence Resource Management # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
I initiated an international remittance from the XXXX to XXXX XXXX Abound on XXXX XX/XX/year> ( Transaction ID : XXXX ). The transfer was expected to complete within XXXX business days but remains unresolved beyond the stated timeline. Despite multiple follow-ups, customer support continues to delay resolution without providing a clear explanation or status. This has caused financial hardship, as I have had to arrange alternate funds. I request immediate resolution either completion of the transfer or full refund, along with appropriate compensation for the delay.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: eToro USA LLC
State: WA

Complaint narrative:
The company is called XXXX. I got an email stating an account was opened with my email. I did not create an account. I went on reddit and it seems its a huge issue and people are not able to get the company to help them. I will add a link to the reddit thread. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital Systems is reporting a {$3300.00} collection for XXXX XXXX on my credit report. I do not recognize this account. FTC Identity Theft Report Number XXXX was filed XX/XX/year>. I am requesting immediate investigation and deletion under 15 USC 1681c-2 and 15 USC 1681i .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding LLC is reporting three separate collection accounts associated with XXXX XXXX with balances of {$640.00}, {$570.00}, and {$500.00}. While these accounts are distinct, the documentation provided does not sufficiently establish the accuracy, ownership, or completeness of each individual account. The materials provided consist of account summaries and prior statements, which do not demonstrate a complete chain of assignment or provide adequate account-level validation for each separate obligation. Each account must be independently supported by complete and accurate documentation, which has not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
In XX/XX/year>, I discovered my identity was used without permission to open fraudulent bank accounts at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I never authorized these accounts. I filed an FTC Identity Theft Report and demand all fraudulent accounts be closed immediately, removed from my records, and that I be held not liable for any related activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: GA

Complaint narrative:
I submitted a formal dispute to Chime for unauthorized transactions totaling {$9900.00}, including specific dates and timestamps. However, Chime processed and investigated a different claim totaling {$14000.00}, which I never authorized or verified, as confirmed in their own determination letter. The documentation they provided does not analyze or reference the actual transactions I reported and instead relies on incorrect and generalized information. As a result, Chime denied a claim that does not reflect my actual dispute, demonstrating a failure to conduct a reasonable investigation under the Electronic Fund Transfer Act and Regulation E. I am requesting a full reinvestigation based on the correct transactions and complete documentation tied to those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX handling of my credit file and continued failure to comply with requirements under the Fair Credit Reporting Act ( FCRA ). I previously filed a complaint concerning this matter, during which the account in question was reported as verified as accurate. Since that time, additional concerns have arisen regarding the procedures used and XXXX compliance with its obligations under the FCRA. On XX/XX/year>, I mailed a written request to XXXX seeking the method of verification for the account, pursuant to FCRA 611 ( a ) ( 7 ). This request was sent directly by me and included my identifying information. On XX/XX/year>, I received a response from XXXX stating that the request does not appear to have been sent directly by you and that no action was taken. This raises several concerns : XXXX failed to process a direct written request from me without providing a clear or reasonable method to verify my identity. XXXX did not provide the required method of verification, including the name of the furnisher, how the information was verified, or what documentation was reviewed. XXXX response does not satisfy its obligations under FCRA 611 ( a ) ( 7 ). XXXX refusal to act prevents me from understanding how the account was verified and whether a reasonable reinvestigation was conducted under FCRA 611 ( a ) ( 1 ). Additionally, the account has previously been reported as verified as accurate, yet there are ongoing concerns regarding the accuracy and completeness of the information being reported, raising issues under FCRA 607 ( b ). I am requesting that XXXX : Provide a full and complete method of verification for the account, including furnisher contact information Disclose how the information was verified ( manual review vs. automated systems ) Ensure that all information reported meets the standard of maximum possible accuracy Provide a clear process for verifying my identity so that my requests are not improperly dismissed XXXX failure to properly process my request and provide required verification details is preventing me from resolving this matter. I request that this issue be reviewed and that XXXX be required to comply fully with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX a transaction from a company called XXXX pulled XXXX $ from my Cashapp account. I reported it almost immediately and reported my card as stolen. Today I received a notification that they had thought I authorized or approved this transaction in which I did not. I have not bought any product from this company nor can I find a company online with the name that this transaction used. I believe this to be fraud and I stated that in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Company : Toyota Financial Services Issue : Failure to provide required loan transfer documentation / Incomplete disclosures/ Document delivery failure Complaint : I am filing a formal complaint against Toyota Financial Services for repeated failures to provide required documentation necessary to complete a vehicle lease transfer ( loan assumption ), as well as deficiencies in document handling and delivery practices. In XXXX, I requested a lease transfer packet. Through United States Postal Service Informed Delivery, I observed that correspondence from Toyota Financial Services was scheduled for delivery to my residence ; however, the mail was never received, indicating a likely loss or theft involving sensitive financial documents. On XX/XX/XXXX, I notified Toyota Financial Services of the missing packet and explicitly raised concerns regarding compromised mail and potential exposure of personal information. I requested that the documents be reissued via a secure electronic method to mitigate further risk and avoid delay. This request was denied without justification, and I was instructed to wait 710 business days for another mailed packet. After this timeframe elapsed with no delivery, I contacted Toyota Financial Services again on XX/XX/XXXX. At that time, I was informed that a replacement packet would be overnighted. This representation has proven to be inaccurate. On XX/XX/XXXX, I received a delayed packet that appears to be the original XX/XX/XXXX mailing. The packet was materially incomplete and failed to include the required buyer credit application referenced in the instructions. As a result, the documentation provided was unusable and insufficient to complete the transaction. As of XX/XX/XXXX, I have not received the replacement packet that was purportedly sent via overnight delivery. Toyota Financial Services has therefore : Failed to provide complete and required documentation necessary to execute a financial transaction Failed to ensure secure and reliable delivery of sensitive financial documents after being notified of a compromised mailing Provided inaccurate or misleading information regarding document delivery timelines Caused unnecessary and substantial delay ( exceeding 30 days ) in the completion of a time-sensitive financial transaction These failures have directly prevented the completion of a lawful financial transaction and raise serious concerns regarding compliance with consumer protection standards, document control, and safeguarding of consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Im a victim of identity theft and there is a fraudulent checking account that is reporting on my XXXX XXXX consumer report. I did not open or authorize this account, and I therefore request that it be closed immediately. I have neither engaged in business transactions with this company nor entered into any agreements. Hence, it is unjustified for this company to report a fraudulent account that I have no knowledge of. I also request that BANK OF AMERICA absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my consumer files. This situation infringes upon my rights as a consumer, as outlined by the FCRA and FDCPA. Also enclosed is a copy of the CFPBs Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Enclosed is a copy of my Identity Theft Report supporting my position and cfpb notice to furnishers.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/year>, I discovered my identity was used without permission to open fraudulent bank accounts at XXXX XXXX XXXX, Chase, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I never authorized these accounts. I filed an FTC Identity Theft Report and demand all fraudulent accounts be closed immediately, removed from my records, and that I be held not liable for any related activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to formally dispute the above-referenced account pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This account is the result of identity theft and fraud. I have never opened, authorized, or conducted any transactions on this account. I have no contractual relationship with American Express regarding this alleged debt. Additionally, your reporting contains material inaccuracies : - The account is being reported as an individual account, while your records allegedly classify it as a business account, which is inconsistent and misleading under 15 U.S.C. 1681e ( b ) ( requirement for maximum possible accuracy ). - AMEX have reported this account as a charge-off, despite the absence of any verified contractual obligation. - I have never been provided IRS Form 1099-C for cancellation of debt income, nor any IRS Form 4506-T request for income verification associated with this alleged account. Under 15 U.S.C. 1681i ( a ), I demand a reasonable reinvestigation of this matter. AMEX are required to : 1. Provide documentary evidence bearing my signature that proves I opened or authorized this account. 2. Provide the complete chain of custody and transaction history for this account. 3. Identify the method of verification used to validate this account under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). If AMEX can not provide such verification, you must immediately delete this account from all credit reporting agencies as required by federal law. Furthermore, under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting information you know or have reasonable cause to believe is inaccurate. Continued reporting of this fraudulent account constitutes willful noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: LA

Complaint narrative:
Company is trying to charge me for debt that I was not located I do not know XXXX XXXX anything at all.

Company response to consumer: Closed with explanation