vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding deceptive marketing and predatory lending practices related to a deferred interest promotion on a Home Depot credit card issued by Citibank. Approximately XXXX years ago around XX/XX/XXXX, I opened a Home Depot credit card to finance a purchase of {$11000.00} for XXXX XXXX provided by Home Depot. During the credit card application process, the promotion was heavily marketed simply as " interest-free for the first year. '' At no point was it clearly and transparently explained that this was a " deferred interest '' trapmeaning that if the entire balance was not paid down to exactly {$0.00} by the end of the XXXX promotional period, all accumulated interest from day one would be retroactively charged. I have attached my bank account to the credit card and citibank has charged me {$250.00} every month since XXXX. I thought I'm paying for the bank credit. However it's mainly paying for the interest since XXXX until now. Furthermore, in the months immediately preceding the expiration of the promotional period, the billing statements issued by Citibank failed to provide adequate, conspicuous warnings about the impending retroactive interest charge, nor did they clearly state the exact payoff amount required to avoid this massive penalty. No text message or phone call from Home depot or Citibank is warning me about this high interest charges. As a result of this lack of transparency, a substantial retroactive interest charge was added to my account. Over the past XXXX years, I have consistently made my monthly payments. However, because Citibank applied an exorbitant ongoing Annual Percentage Rate ( APR ) to an artificially inflated balance ( which included the hidden retroactive interest ), almost my entire monthly payments have been consumed by interest fees rather than reducing the principal. Despite making thousands of dollars in payments over the last XXXX months, my current balance remains at approximately {$9000.00}. This structure is highly misleading and designed to trap consumers in a cycle of debt. I am requesting a thorough review of my account, a retroactive reversal of the deceptive deferred interest charges, and a recalculation of my balance so that the payments I have made over the past XXXX years are fairly applied to the original principal.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TX

Complaint narrative:
This is to continue on CFPB complaint ID XXXX, since US Bank did not resolve the issue by honoring the {$400.00} checking promotional bonus. According to US Bank response letter ( attached ), they claimed I had a XXXX checking account closed on XX/XX/XXXX and that's reason the bonus was void. However, I keep tracking all my checking account regularly and I'm sure that I called in US Bank customer service in late XX/XX/XXXX to close that checking account. By the time when I opened the new account on XX/XX/XXXX, it is certainly beyond the XXXX month threshold. I don't understand why US bank claimed the account was closed on XX/XX/XXXX, when I definitely had call in to close account in late XX/XX/XXXX and customer service confirmed that the account was closed. I'm sure US Bank 's phone log will verify this info. Original complaint attached.

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 2026-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint against Capital One regarding a denied billing dispute for a travel package booked through Capital One XXXX using my Capital One Venture credit card. Timeline and actions : - XX/XX/year> : I booked a bundled honeymoon package ( flight + hotel ) through Capital One XXXX. - XX/XX/year> : The airline made a significant schedule change, moving my departure from XX/XX/XXXX to XX/XX/XXXX. After this change, I was informed I could cancel for a full refund. - Relying on that representation, I canceled the booking through Capital One XXXX ( the platform through which I purchased the entire package ). I did not go to the airlines website because the package ( flight + hotel ) was purchased and managed through Capital One XXXX. Issue : - I did not receive the full refund promised : - {$300.00} remains unpaid from the flight refund - {$1700.00} hotel charge was not refunded - Total in dispute : {$2000.00} Why the denial is incorrect : - This was not a voluntary cancellation of a non-refundable booking. The airline initiated a material schedule change ( departure moved by a full day ), which impacted the entire itinerary. - The hotel reservation was part of the same bundled package and became misaligned and unusable as booked. The date shift effectively reduced the usable hotel stay ( including paying for a night that could not be used as intended ). - I relied on a clear representation from Capital One Travel that I could cancel for a full refund, and I acted based on that statement. - Despite booking and paying through Capital One XXXX, I was later told this was not their responsibility, and my dispute was denied on the basis of non-refundable terms. Customer service concern : - When I called Capital One Travel and requested a manager, the representative was dismissive and questioned why I needed a manager after stating I would not be refunded a XXXX. Applicable protections : - Under the Fair Credit Billing Act, this is a billing error because services were not delivered as agreed and a refund representation was not honored. - U.S. Department of Transportation policy provides that significant schedule changes entitle a passenger to a full refund if they choose not to travel. - As a bundled package purchased through Capital One XXXX, the hotel component should not be treated as independent when the itinerary is materially changed and canceled based on a promised full refund. Requested resolution : 1 ) Refund the remaining {$300.00} for the flight 2 ) Refund {$1700.00} for the hotel Total requested : {$2000.00} I am attaching documentation including booking confirmation, itinerary change, cancellation record, partial refund evidence, and the denial letter. I request a full investigation and correction of this billing error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
23+ Times! A company called Comenity Bank has called since XXXX and now since Sunday XX/XX/year> they have called 5 times a day!!! Theyre calling from a spam number thats registering under their company as well as calling from an unknown number consecutively. What makes it even worse as theyre calling and hanging up I cant even answer it at this point. Its becoming giant level of harassment that is making me to the point of wanting to change my phone number. I finally got through to someone after calling four times and had to even provide them with my Social Security number in order for them to stop calling me still not has worked. I shouldnt have to change my number because a bank is harassing me calling me five times a day. To the point where I have to keep my phone off at work and I cant block the phone number because theyre calling from an unknown phone number 80 % of the time. When I called and spoke to someone and they said, I didnt even have an account registered with my Social Security number or the phone number listed, which is insane because why am I getting phone calls?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
In XX/XX/XXXX, I opened an online Citibank account. I transferred {$30000.00} into this account from my Bank of America savings account owned jointly with my spouse, on XX/XX/XXXX. On XX/XX/XXXX, through XX/XX/XXXX, I participated in online gambling with XXXX and XXXX ( gambling transaction available if needed ). Three ( 3 ) times I transferred {$50000.00} each to a separate Citibank account owned by my spouse. In XX/XX/XXXX I lost access to my online account. XX/XX/XXXX, my remaining funds of {$81000.00} were removed from my account and I did not access them. I immediately called Citibank only to be told that I needed to go into a branch to discuss this situation. Since I did not have access to the account, I could not supply any account information. My name, social security number and address did not suffice. I had to wait until XXXX to make the drive as my employment situation did not allow me to make the trip to XXXX before this date. On XX/XX/XXXX, I drove from my home in Michigan to XXXX IL to Citibank Branch ( XXXX XXXX ). My husband and I met with an employee. We proved our identities and she was able to provide us with bank statements ( attached ) and the account number. She made her manager aware of the situation, and she was to send an email to the fraud department. The employee called Citibank only to be told that she could not provide us with any other information on the account and the remaining funds of {$81000.00} were not mine to have. The funds were transferred to a sub-ledger account and that my account was closed for Fraud. She was not allowed to provide me any other information that she was told and that I needed to call the Fraud department myself to get further details. I sat in the lobby of the branch for an additional 1 hour only to be continually placed on hold and then another 1 hour in my vehicle driving back to Michigan while I waited to find out information. After that trip and all the phone calls I was again told that I had XXXX funds and that I would receive a letter. This is not acceptable. After much pushing on my part, I was told by the representative from the Fraud department that she would send an email to the back office to see if they could call me. I was not allowed access to anyone in the back office, nor was I allowed the representatives name other than XXXX. No last name. Again, no information was provided as to where or what they did with my money. These funds were obtained legally and are due to me. Any assistance you can provide me would be appreciated.

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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: GA

Complaint narrative:
After trying to open a credit card, I was notified I could not and went to check my credit score ( which I have never had any loans, credit cards, etc., this would be my first ) and a {$1000.00} debt was posted onto my account. After contacting the company, they proceeded to tell me that I needed to pay a fee in order to have this information provided, which is illegal. Here is what I emailed the company, Tek Collect. To Whom It May Concern, I am writing to formally dispute the alleged debt that you have placed in collections under my name. I recently discovered this debt, which you claim originated from XXXX ( XXXX ). However, as you may be aware, XXXX XXXX XXXX, along with affiliated debtors, filed for XXXX XXXX on XX/XX/XXXX, in the United States Bankruptcy Court for the Southern District of XXXX, Case No. XXXX ( XXXX ). Subsequently, on XX/XX/XXXX, the cases were converted to XXXX XXXX proceedings. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I am requesting the following : 1 Validation of the Debt - Provide proof that I legally owe this debt, including the original signed agreement and a detailed payment history. 2 Proof of Your Legal Right to Collect - Documentation showing that TekCollect legally acquired this debt and that it was not discharged in XXXXXXXX XXXX bankruptcy. 3 Proof That This Debt Is Still Enforceable - A statement confirming that the debt has not been discharged or rendered uncollectible due to XXXXXXXX XXXX bankruptcy. If you can not provide proper validation of this debt, I request that you cease all collection efforts, remove this account from my credit report, and confirm in writing that this matter is resolved. Furthermore, if you continue reporting this debt without proper validation, I am prepared to file disputes with the Consumer Financial Protection Bureau ( CFPB ), my state 's Attorney General, and the Federal Trade Commission ( FTC ) for potential violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA. Please provide the requested information within 30 days of receiving this notice. If you fail to do so, I will assume this debt is invalid and will demand its immediate removal from my credit report. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding an alleged debt that is being improperly collected and reported on my personal credit file. This account is associated with a business credit account issued to an XXXX and not to me as an individual. There is no personal guarantee establishing individual liability. On XX/XX/2026, I sent a formal written request for debt validation pursuant to the Fair Debt Collection Practices Act. In that request, I specifically asked for a signed agreement, full account history, documentation of ownership, and proof of personal liability. The company failed to provide any competent documentation. Instead, they provided only a collection summary, which does not establish contractual liability or legal ownership of the debt. Additionally, the reported balance exceeds the original credit limit, and no documentation has been provided explaining how the balance was calculated. Despite the lack of validation and absence of any personal guarantee, the company continues to attempt collection and report this account on my personal credit report. This is inaccurate, misleading, and constitutes an attempt to collect a debt that is not owed by me as an individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
An account was opened using my Social Security number without my authorization. I did not create or use this account and did not have access to it. I had to go through identity verification and submit an affidavit just to gain access to the account. After gaining access, I discovered a balance of {$500.00} and a suspended account status. I have provided documentation of my identity and residence, including my lease, move-out notice, and other records. My original lease ended in XX/XX/year>, and I continued living at that address on a month-to-month basis under a private landlord. Because of this, there is no signed lease for the specific timeframe the company is requesting. The company is refusing to remove the unauthorized balance and is requiring documentation that does not exist due to my month-to-month living arrangement. I am disputing all activity on this account and requesting that the balance be removed and that I not be held responsible for any unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I had a loan with XXXX in XXXX, XXXX transferred to XXXX Paid off in XXXX. Through a property search, last week, realized the recorder never received the release of lien and it still showing on records I have called, XXXX XXXX Rocket and XXXX XXXX XXXX to at least XXXX people. XXXX of the people from XXXX XXXX advised they would send the proper paperwork, when I received email, it had loan information for people other than myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Company complained about : XXXX Product : Debt collection/Credit Reporting Issue : Incorrect information on my report/Problem with investigation/Attempts to collect debt not owed Complaint narrative : I am submitting this complaint because inaccurate and/ or incomplete information remains on my consusmer report after multiple written disputes. I disputed the account with XXXX on XXXX, and XX/XX/year>. I also contacted the furnisher, Ability Recovery Services LLC, XX/XX/year>. Under the Fair Credit Reporting Act, consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes inaccurate or incomplete information, and furnishers must investigate disputes forwarded to them and correct or delete inaccurate, incomplete, or unverifiable information. The responses I received did not address my specific dispute or provide documentation proving the account is reporting accurately. I am requesting that the company complete a proper investigation, provide documentation supporting that reporting, correct all inaccurate fields, and delete the account if it can not be verified as complete and accurate. I have supporting documents, dispute letters, certified mail receipts, and bureau responses available for review. Requested resolution : Delete or correct the inaccurate reporting and provide written confirmation.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My wife informed me about a week ago that she was told all of our accounts with Bank of America were closed and no reason was given.

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 2026-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
Credit Acceptance ( account XXXX ) financed my vehicle. It was in an accident almost 2 years ago and has been a total loss since then. I have been trying for a long time to do a voluntary surrender, but they refuse to take the car back. On XX/XX/year> I spoke with their insurance department. They told me they do not want the vehicle and that they are transferring the account to collections ( now with XXXX XXXX XXXX, case XXXX ). I asked multiple times for written confirmation ( by email and regular mail ) of : their refusal to accept voluntary surrender the reason the current exact balance They refused to provide anything in writing, would not give full names of representatives, said there were no supervisors available, and kept transferring me without resolution. I have also received collection texts from 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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: LA

Complaint narrative:
Debt validation letter was sent on XX/XX/year> by certified return receipt, to XXXX XXXX XXXX XXXX XXXX. No response was received. I have the signed returned receipt which was dated XX/XX/year>. On XX/XX/year>, I received an email stating : " ... the lowest could close this out for is {$2000.00} which we do need in immediately or the full balance is due and further collections will continue. '' This alleged debt is due to a contract dispute with another company, XXXX XXXX XXXX. The total alleged debt is {$4100.00} for a contract that ended in writing but XXXX refused to acknowledge the written notice in a timely manner. I believe this to be in violation of the Fair Debt Collection Practice Act. On XX/XX/year> another certified return receipt letter was sent to the collection agency as a formal notice of FDCPA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint against XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding their obligation to conduct a reasonable reinvestigation and provide the method of verification upon request. I previously disputed inaccurate and/or unverifiable accounts on my credit report. XXXX responded by stating the accounts were verified, but failed to provide any supporting documentation. Following this, I formally requested the Method of Verification ( MOV ) pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). XXXX has failed to provide a proper response to this request. XXXX has not provided : * The method used to verify the disputed information * The name, address, and contact information of the party that verified the account * Copies of any documentation used in the verification process * Any evidence bearing my signature or proving I agreed to the alleged debt This failure indicates that XXXX did not conduct a reasonable investigation and is continuing to report information that may be inaccurate or unverifiable, in violation of the FCRA. A generic or automated verification response does not satisfy the legal requirements under federal law. Requested Resolution : * Immediate deletion of the disputed account ( s ) if proper verification can not be provided * Full disclosure of the method of verification used * Copies of all documents relied upon to verify the account ( s ) * The name, address, and contact information of the entity that verified the information If XXXX is unable to provide this information, the account ( s ) must be deleted immediately. I expect a prompt and lawful resolution to this matter. Failure to comply will result in further escalation of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief