vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX were co-owners on a property we sold XXXX XXXX gave us a cashier 's check made out to both of us cause we both owned the empty lots. We opened an account together with Fifth Third Bank. In XXXX, the check cleared right away. Because it was guaranteed funds, there was an available balance. I told them that XXXX XXXX had my power of attorney. We went into the bank to get some funds. XXXX, the lady who opened the account was going to order the funds. Because I'm in between houses and I need money for everything When another woman next to her yelled for XXXX XXXX to get back and for XXXX to get back and that they weren't allowed to talk about the account. That is XXXX XXXX 's money too. He is on the account this other lady 's screamed. Then, XXXX yelled back because that is her son that he is on the account. And that she was power of attorney, and they said they would have to approve it. And wouldn't look at it. And then I was told, I was never allowed to get cash. They would only write me out. Cashiers checks for what I wanted They told XXXX XXXX that he had an XXXX number when he has a social security number, and that lots of people have social security numbers that are XXXX numbers too, which I don't really believe, but this feels like that other lady is robbing us. This is XXXX 's money too and my money and XXXX is my power attorney.I feel like you guys are stealing my money.I 'm not gon na ask XXXX, for permission to spend money.I don't know who she thinks she is.I don't want my money in this bank.Anymore this is all under several cameras in the bank. This is on camera. There is proof they need to look at the cameras. This was illegal. I will be making out a police report. They then told us to go to another bank. But then they put notes in the computer where we went to a couple other banks. And they were told, they were not allowed to touch the account. We had to go back to that bank. And that person who said that XXXX could never touch his money and I could not touch my money, I could only get money orders made out or cashiers checks. I do not think that this is allowed or okay. I don't know who these tellers think they are. But they need to be fired and put in jail for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: PA

Complaint narrative:
I am filing this complaint against Mastercard for failing to properly investigate a clear-cut billing error. On XX/XX/XXXX, I made an online purchase from XXXX. Per their return policy, I returned the item in person on XX/XX/XXXX to the XXXX XXXX XXXX store. The return was accepted by the XXXX XXXX ( XXXX XXXX, who provided me with a written note confirming the store took possession of the shoes. Additionally, I received a customer service email on XXXX26 from XXXX confirming they would process my refund within 35 business days. Despite this, XXXX never issued the credit. I disputed the charge with Mastercard, providing the authorization email to them XXXX/26. Mastercard denied my claim, stating the item is still in my possession. This is factually incorrect. The merchant has both the merchandise and a documented agreement to refund me. I am requesting a full reversal of the charge. The email from customer service is below : ============================================================ From : XXXX Customer Service XXXX Date : XX/XX/XXXX at XXXX EST To : XXXX Subject : XXXX Refund Email Confirmation # XXXX XXXX XXXX, Thanks for contacting the XXXX XXXX! XXXX and being a XXXX VIP Gold member! We apologize for any inconvenience you have experienced with your recent order XXXX. We have checked the order and see that a refund of {$99.00} was processed on XXXX.2026. Please allow 3 - 5 business days for the credit to be posted to your selected payment method which is XXXX. If you have any further questions or concerns please feel free to contact us. We are happy to help! Thoughts? Questions? Give us a call at XXXX ( XXXX ). We're here for you XXXX XXXX XXXX XXXX a.m. - XXXX, Saturday XXXX. - XXXX. and XXXX XXXX p.m. - XXXX. EST. Thanks for choosing XXXX XXXX, shoe lover

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 2026-04-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
Impossible to use Amex giftcard online. Website states it should work almost anywhere, but when you try to input it with your information online, it never works. I can't spend this thing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PRIMARY RESIDENTIAL MORTGAGE
State: DC

Complaint narrative:
On XXXX2026, I applied for a home mortgage loan with Primary Residential Mortgage , Inc. I later received a letter stating that my application was denied due to low credit score, and delinquent accounts. However, I have followed up on my credit reports and have found that my credit file is inaccurate, incomplete and/or has not been properly investigated in accordance with federal law. I am disputing, 1. Inaccurate reporting of delinquent payments where several accounts listed as delinquent are either incorrect, outdated, or do not reflect my payment history correctly., 2. Failure to conduct a reasonable investigation. I have previously disputed these items with the credit bureaus, yet they remain without proper validation or correction.3. Potential violations of the FCRA, under 15 U.S.C.SubSec 1681, I have the right to fair and accurate credit reporting. The continued reporting of questionable or unverifiable data has directly impacted my ability to secure housing financing. 4. Adverse Action. Without full transparency, I was not provided with sufficient documentation or detailed explanation supporting the lender 's decision beyond general statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
While being a customer of bank of America i had opened a secured credit card for XXXX $ never missed a payment so they upgraded me to a unsecured XXXX $ credit card after a few years never missed a payment or late for a payment my account was closed without my knowledge with a small balance I paid it instantly they never reopened it they instead reported false information of me being late XX/XX/year> and XX/XX/year> 2022

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 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
My bank is refusing to process a chargeback for a deceptive subscription I did not authorize. I provided screenshots of the disputes and the charges along with dates and times. I provided chime with my work timesheets as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the XXXX opportunity to dispute this account. If you believe you sent proper notification, pleasse 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 explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
Account XXXX XXXX XXXX I'm unaware of this debt and did not have the XXXX opportunity to dispute this account. If you believe you sent proper notification, pleasse 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 explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Last year, I opened a secured credit card account with Bank of America. In XXXX of this year, I decided to close the account because the card was not successfully delivered to my address. Following the closure of my account, I was informed that the {$300.00} security deposit associated with my secured credit card would be refunded to my bank account. However, despite the passage of time, I have not yet received this refund. Since then, I have contacted customer service on XXXX separate occasions in an attempt to resolve this issue. Unfortunately, I have neither received the deposit in my bank account nor any correspondence regarding the refund. I kindly request that my {$300.00} security deposit be refunded to me as soon as possible. I would appreciate your prompt attention to this matter. Sincerely, 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 monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
TSI is putting a random account on my credit report which is limiting my opportunities in life. I constantly get denied because of this error on my credit report. I asked this collection agency to validate the debt and to remove it but they did not. They sent a final bill only. Which is not validation. This is not my debt I need help. I believe this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I am filing a complaint against Venmo regarding a dispute they resolved in my favor but have failed to honor with a refund. On XX/XX/scrub>XXXX/2026 I disputed a transaction in the amount of {$150.00} Venmo completed their investigation and ruled in my favor. However, despite this decision, I have not received my refund. I have contacted Venmo multiple times and have not been given a clear explanation or resolution. This is unfair and misleading, as they acknowledged the issue but are withholding my funds. I am requesting that Venmo immediately issue the refund they determined I am owed. Attached are supporting documents including dispute confirmation and communication history. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Made a previous complaint with cfpb related to identity fraud and this creditor responded via postal mail without acknowledging identity theft and ceasing continued collection and reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: NY

Complaint narrative:
west lake financial {$20000.00} account is closed but in collection .. been disputing it off my my credit credt first XXXX been reaching to have removed XXXX XXXX XXXX XXXX been reaching out to have collection removed and nothing happen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XXXX XXXX, 2025 I purchased a massage on the XXXX website for {$48.00}. XXXX overcharged me, XXXX so I disputed the amount they over charged me, {$13.00}. I continued to try to use my massage XXXX but XXXX took it back marking refunded on the XXXX so I could not use. I have continued to dispute the remaining {$48.00} with both XXXX and Discover. XXXX states, even as of today, that the remaining {$48.00} is with Discover. I have paid {$48.00} for a massage that was refunded through XXXX so I did not receive the service. Discover is holding the {$48.00} according to XXXX. Even though I sent XXXX a letter from Discover saying " we're unable to change the the outcome of the dispute, the dispute is resolved, and the TRANSACTION IS VALID. '' This response from Discover means to me that the remaining {$48.00} is with Discover but XXXX says there was a charge back of XXXX which is not the case. Discover did not charge back the XXXX and it is not on my credit card balance. As of today, I have paid for a massage that states it was refunded on groupon website but In an email today, XXXX states the money is with Discover. I have been in limbo for XXXX months. and need help getting to the bottom of Discover keeping my money even though I have time and time again over the last 3 months jumped through hoops for Discover. During phone calls with the dipute office, been chatting with chat app at XXXX and being asked for XXXX to say they refunded the amount. They said this in a chat, I uploaded per Discover disputes and still denied. This is outrageous. I paid for a massage that was never given. I expect that Discover give me back my money or get it from XXXX since there is documentation from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding an XXXX CBNA account in the amount of XXXX dollars that I opened in 2022. Since that time, there has been misleading and inconsistent information reported on my credit report. The account has been reported as closed by the creditor, charged off, and also placed in collections at the same time. This conflicting information is inaccurate and confusing. Under the Fair Credit Reporting Act 15 USC 1681s 2, all information reported must be complete and accurate. Reporting multiple and conflicting statuses on the same account violates this requirement. I have also requested that the creditor and collection agencies provide full documentation of this debt by mail, including the original agreement and full account history, but this information has not been provided. Under the Fair Debt Collection Practices Act 15 USC 1692g, I have the right to request validation of the debt, and the collector must provide proper verification. Additionally, I have received repeated calls from creditors and collection agencies, which has caused stress and concern. Under the Fair Debt Collection Practices Act 15 USC 1692, I have the right to be free from harassment and unfair collection practices. This situation has been extremely stressful and has negatively impacted my credit and financial stability. I am requesting a full investigation, proper documentation, and correction or removal of this account if it can not be verified in compliance with federal 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 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. So everything on my credit account is fraudulent as well as every inquiry. There have been numerous disputable accounts charges and inquiries and XXXX not sure what to do. Please Thank you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
on XX/XX/year> my account balance went into negative. I called to inform them my pay check would be direct deposited in XXXX hrs. She stated there was nothing they could do and the fees would continue as per policy. I asked for a copy of the policy and she stated they can not send that. I asked for a letter stating why they could not stop over draft fees and she stated they do not do that either.

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 2026-04-19 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am filing this complaint due to serious issues affecting my credit health as a result of inaccurate, unauthorized, and unverifiable information being reported on my consumer credit report. After carefully reviewing my report, I still identified multiple accounts and entries that I do not recognize, did not authorize, or that lack proper verification and supporting documentation as required under the Fair Credit Reporting Act ( FCRA ). Despite my efforts to dispute these items, they still continue to be reported without adequate investigation or correction.

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 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: MO

Complaint narrative:
This complaint concerns the reporting of an auto loan account listed as a charge-off by VW Credit Inc . The reporting appears incomplete and potentially inaccurate, including the timing of the charge-off, the full payment history, and the disposition of the vehicle and resulting balance. The account is currently reporting a significant past due balance following a charge-off, but it is unclear how this balance was calculated or whether it reflects proper disposition of the vehicle. Additionally, the account is reported as joint responsibility, which raises concerns about whether the reporting accurately reflects the level of control and responsibility attributed to each party. I am requesting that the company provide documentation supporting : The date and basis for the charge-off classification The complete and accurate payment history The calculation of the remaining balance after the vehicle was returned The basis for reporting responsibility and how it is attributed If the company is unable to substantiate these elements with proper documentation, I request that the account be corrected or deleted accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding a XXXX auto loan account showing a balance of about XXXX dollars after repossession. The vehicle was repossessed, and I was later told I owed a remaining balance. Since then, I have disputed this account and attempted to contact the company multiple times, but they have been unable to locate the account. Despite this, the account continues to be reported on my credit report as charged off. Under the Fair Credit Reporting Act 15 USC 1681s 2, all reported information must be accurate and verifiable. If the account can not be verified, it must be corrected or removed. I was also never provided a XXXX C form for any canceled debt, as required under IRS regulations 26 USC 6050P. In addition, collection agencies have been calling and harassing me. Under the Fair Debt Collection Practices Act 15 USC 1692, I have the right to be free from harassment and to request validation of the debt. This situation has negatively impacted my ability to conduct normal financial business. I am requesting full verification of this debt, documentation of the balance, and removal if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Driveway Finance Corporation
State: NM

Complaint narrative:
To whom it my concern : XXXX finance company charged off a balance of {$190.00} after receiving the insurance check of {$15000.00} earlier in the same month of XXXX of 2023. I was not delinquent on my account that month because the insurance check had been applied to my account so there wasnt a legal reason for the charge off. I was not notified that they had received the insurance check. I paid the remainder in XXXX. Tried to find a car through XXXX it was denied even though my vehicle is paid off through XXXX finance the illegal action they took to charge off my account caused a reposition on my credit report. I have been without a vehicle since the account should be a satisfactory paid account and closed.

Company response to consumer: Closed with explanation