vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX. I am a victim of a coordinated, felony-level digital identity theft and account takeover totaling nearly {$4000.00} across my financial profiles. The perpetrator gained unauthorized access to my digital infrastructure, altered my security credentials, locked me out of my account, and executed fraudulent transactions at a physical XXXX location store # XXXX XXXX XXXX initially denied my unauthorized transaction claim, failing to properly investigate this criminal intrusion. I have filed an official police report with the XXXX Police department under XXXX XXXX which I have already provided to XXXX.I am exercising my federal consumer rights under Regulation E ( the Electronic Fund Transfer Act ). I demand a senior corporate manual review of this case, immediate reversal of the denied claim, and the removal of any negative balance or penalties applied to my identity. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX am writing to report a severe, unauthorized digital account takeover of my Bank of America profile. The perpetrator breached my online banking security, altered my login credentials to lock me out of my app, and initiated unauthorized electronic fund transfers ( including XXXX and/or external bank pulls ) without my consent or knowledge. This is part of a multi-institution felony identity theft crime totaling nearly {$4000.00}. An official criminal investigation is open with the XXXX police department under Police Report # XXXX Under federal law Regulation E, Bank of America is legally required to protect me against unauthorized electronic fund transfers resulting from a digital breach. I demand that Bank of America immediately issue provisional credits for the full amount of all unauthorized transfers while this felony investigation is completed. ''

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 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX I am writing to report a severe, unauthorized digital account takeover of my Bank of America profile. The perpetrator breached my online banking security, altered my login credentials to lock me out of my app, and initiated unauthorized electronic fund transfers ( including XXXX and/or external bank pulls ) without my consent or knowledge.This is part of a multi-institution felony identity theft crime totaling nearly {$4000.00}. An official criminal investigation is open with the XXXX Police department under Police report number XXXX.Under federal law Regulation E, Bank of America is legally required to protect me against unauthorized electronic fund transfers resulting from a digital breach. I demand that Bank of America immediately issue provisional credits for the full amount of all unauthorized transfers while this felony investigation is completed. ''

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 2026-06-07 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: CA

Complaint narrative:
Received letter date XX/XX/year> from Best Buy- Security Operations .I am filing this complaint regarding a Best Buy credit card account ending in XXXX and unauthorized charges totaling {$1100.00}. I disputed these charges because I did not authorize them, did not make the purchases, did not receive the merchandise, and did not benefit from the transactions in any way.The transaction reportedlyoccurred in Minnesota. I reside in Californiaand have never traveled to Minnesota. I submitted a fraud claim and cooperated with the investigation. My claim was denied twice. In a letter dated XX/XX/year>, the creditor stated that I was responsible for the charges because i " received bebefit from the disputed charges. '' However the company has not provided evidence supporting the conclusion. I have requested copies of the records and evidence used during the investigation, including receipts, shipping records, pickup records, signatures, identifications records and any documentation showing that I authorized, received, or benefited from the purchase.To date I have not been provided with sufficient documentation demostrating that these charges were authorized by me I am requesting the company provide all evidence supporting its determination and conduct a through reinvestigation of my fraud claim. I also request the company cease holding me responsible for thiese unauthorized charges unless they can provide competent evidence that I authorized or received the merchandise. I am seeking removal of the disputed balance of {$1100.00} and correction of any negative reporting related to these charges.

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 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The cash back incentive of {$300.00} after opening the credit card account and required value of transaction ( {$1000.00} transaction within 90 days after opening account ) was attained on XX/XX/year>. This {$300.00} amount should have been transferred to the linked checking account after 4 to 6 weeks from XX/XX/year>. As of today, the first week of XXXX this has not happened. Besides the cash reward back 1.25 % for all transaction on a monthly basis has not been transferred into the link account. Barclays card XXXX, is referring me to their partner XXXX. I am shuttled between the two to accomplish this task of transfer into my linked checking bank account. Neither Barclays card XXXX or their Customer service via their XXXX number could help me to resolve this matter. The matter has been going in circles and every time Barclays Customer Service AI prepared response is beating around the bush and referring me to their partner XXXX site. That site is not user friendly and intuitive, and takes me no where! Nor I could easily send any message through their website to their Customer Service. That site so convoluted and virtually useless as far I am concerned. Nor there is any telephone number to their Customers service to talk to. My postion is that Barclays Card XXXX are fully responsible to resolve this matter as I contracted and signed for their card with them.

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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NH

Complaint narrative:
b'Very bad experience with BMO Banking.\n\nMy payment is XXXX per month, I paid over that amount several times and asked the person on the phone to apply extra to principle. They said I needed to make a separate call and extra payment to make that happen. So I made the extra call and asked them to please apply to principal, they said no problem. I did this several times. It has never been done. I made heavy payments over several months hoping to see my balance go down and instead what they did was say I did not owe them a payment for 8 months. I was so angry I could not get them to fix it so I let it go and did not make a payment until XXXX as they said. But then someone called me and said they fixed the problem and they assured me the extra would go to principle and it still is not happening. I went to make my XXXX payment and they said I did not owe anything until XXXX due to extra money I paid. I will NEVER get this loan paid off with these horrible practices. Here is a breakdown of payments I have made toward a monthly payment of $XXXX\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nI took a breather because thats when I could not win, they said I owed nothing until XXXX due to the extra money I paid them. Literally none of that overage went to principal. I was so tired of fighting them.\n\nXXXX XXXX (this is when they said they fixed the problem and it would go to prinicpal)\nXXXX XXXX XXXX XXXX XXXXn\nthen I went to pay XXXX they said I did not owe anything so apparently they still are not applying overage to principle.\n\nI want to just refinance this loan but I have to wait until I pay some things down. This is such unethical practice.\n\nPlease let me know how to proceed.'

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 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have never had a XXXX account. A findings showed up on my credit report that they have taken me to collections. I have been with my same phone company XXXX for 22 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX 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 explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Asset Recovery Bureau LLC
State: AZ

Complaint narrative:
On XX/XX/year>, during business hours, I was contacted by a representative named XXXX from Asset Recovery Bureau ( XXXX ) regarding an alleged debt originally owed to XXXX. The call came from XXXX agent name XXXX. I am filing this complaint to report the following violations of the Fair Debt Collection Practices Act ( FDCPA ) and related federal law : 1. THIRD-PARTY CONTACT ( FDCPA 1692c ( b ) ) Before reaching me, XXXX contacted a family member seeking information to locate me. I instructed XXXX during our call not to contact family members and to reach me directly only. 2. UNAUTHORIZED DISCLOSURE OF FULL SOCIAL SECURITY NUMBER During the call, XXXX read my full Social Security Number aloud. I have never provided my SSN to XXXX and have no contractual relationship with this company. Verbally disclosing a consumer 's full SSN over the phone is a serious data security failure and may violate the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), and applicable state privacy laws. I did not authorize ARB to possess or disclose this information. 3. FALSE AND DECEPTIVE THREATS ( FDCPA 1692e ) XXXX threatened that if I did not comply, XXXX could immediately obtain a default judgment against me and take my money without having to go through normal court proceedings or service of process. This is false, misleading, and a direct violation of the FDCPA 's prohibition on deceptive collection tactics. A default judgment requires that a consumer be properly served through the courts. This threat was designed to coerce payment through intimidation. 4. DEBT VALIDATION REQUEST PENDING I verbally requested written debt validation during the call and followed up in writing, requesting : - Proof of the debt amount and how it was calculated - Proof XXXX purchased this debt and the chain of title from XXXX - Proof of XXXX 's legal authority/license to collect in my state - A copy of any signed agreement between myself and the original creditor XXXX 's representative XXXX confirmed they purchased this debt. I have no contractual relationship with XXXX and have never signed any agreement with them. Desired resolution : I am requesting that the CFPB investigate XXXX for the above violations, require them to provide full written debt validation, require them to secure and explain how they obtained my SSN, and take appropriate enforcement action regarding their illegal collection tactics and data handling practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 explanation
Consumer complaint received 2026-06-08 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year>, I purchased a ticket to XXXX through XXXX for {$1000.00}. Immediately after purchasing, I realized the date was incorrect. Within seconds, I used the 'Change Date ' button on their website to correct it. After returning from my trip, I discovered XXXX duplicate charges of {$1000.00} each on my Citibank statement. I contacted Citibank ; they apologized and initially issued a reimbursement. However, a couple of months later, Citibank reversed the credit and charged me again. Citibank stated that XXXX claimed I 'used the service. ' I have explained to Citibank over XXXX times that I only flew once, not twice, and that this was a website correction error, not a second booking. Citibank acknowledges that I took only XXXX flight but refuses to assist me with the {$1000.00} overcharge. This ongoing issue has caused me severe emotional and mental distress.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-06-09 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: GA

Complaint narrative:
My home depot credit card was compromised and someone in XXXX XXXX XXXX XXXX XXXX made {$9600.00} in purchases not authorized by me as I live in XXXX XXXX and did not authorize those purchases. I received the statement from Home Depot on XX/XX/year>. I called them and they informed me they closed the card. However, what they did was reissue another replacement card which I did not authorize and transferred the balance from the card that was supposed to be shut down permanently and put it on a new card that I did not request or authorize. Currently, they continue to bill me for the {$9600.00} and are sending me letters requesting payments. Citibank/Home Depot sent negative reports to the credit bureaus which has resulted in my credit score going down by XXXX points. I wrote to their ( Citibank 's ) XXXX XXXX XXXX to no avail. I am simply trying to close out he account and have Citibank remove those fraudulent charges 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 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unlawfully maintained information on my consumer report and the companys failure to conduct a reasonable investigation and provide required disclosures under the Fair Credit Reporting Act. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. CREDIT XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
I did not open, authorize, apply for, or benefit from this account. This account is fraudulent and does not belong to me. As a XXXX XXXX XXXX XXXX, I request that this account and all related negative information be immediately blocked and removed from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), including Sections 605B and 611. I am requesting a complete investigation of this matter and the permanent deletion of all fraudulent information associated with this account. Please provide me with written confirmation once the investigation has been completed and the account has been removed from my credit file. I certify under penalty of perjury that the information provided in this dispute is true and correct to the best of my knowledge. Thank you for your prompt attention to this matter.

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 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I discovered a derogatory collection entry on my credit report from Waypoint Resource Group , LLC in the amount of {$59.00}, attributed to a XXXX ( XXXX XXXX ) account. I never received any written notice, validation letter, or communication of any kind from XXXX prior to this mark appearing on my credit report. I was not given the opportunity to dispute the debt before it was reported. Upon investigating, I contacted XXXX directly and they confirmed that this charge is the result of a known system error. When I returned my equipment, a software glitch caused the system to record the return as an equipment swap rather than a return, generating a false balance on my account. XXXX has opened a formal dispute ticket to correct this error ( Ticket # XXXX ). Waypoint Resource Group reported this debt to the credit bureaus without ever notifying me, in violation of my rights under the FDCPA. I am requesting that this derogatory mark be immediately and completely removed from my credit report, and that XXXX cease all collection activity on this invalid debt

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 2026-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: LA

Complaint narrative:
I made a payment XX/XX/year> loan paid XXXX Then again on XX/XX/XXXX another XXXX was taken out by the bank which causes a payment to bounce. I had always made payments on the XXXX XXXX of each month. Then I made a payment on the XXXX for XXXX, then on the XXXX they took another XXXX from my account. Then on XX/XX/XXXX another XXXX was taken again. Causing my checks to bounce. The last payment should have not been taken, they are not authorized to take money from my accounts, plus My payments are all up to date. Now for the fast 30 days my account has been in the negative because of their poor banking.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I had fraud charges on Barclays AARP Mastercard out of XXXX, DE on XX/XX/XXXX this year, all XXXX gift cards. After a month investigation they are saying that over {$740.00} are mine. There are over 100 charges to which I don't have a clue how it happened. No one has access to the card. I have nearly excellent credit and don't want it spoiled. I stopped payment with my bank, autopay was setup. I have never bought a XXXX gift card in my life. I talked to a XXXX online rep. And she said for me to tell Barclays to call and they will resolve the issue, but Barclays tells me they don't do that! I would sure appreciate someone to step in and help, 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