vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have screen shot of citi account online showing that I have achieved my requirement for bonus miles for XXXX. Under that its clear talent says miles earned are credited to account at end of billing cycle. Upon investigating this further it was determined by citi that it will be XXXX billing cycles. This is very misleading to consumers as everything g you see immediately says you will recieve credit for all earned miles immediately at end of the billing cycle in which points are earned.

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 2026-03-30 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
CFPB Complaint Description Product : Money transfer, virtual currency, or money services Issue : Fraud or scam / Unauthorized transaction Company : PayPal Holdings , Inc. Detailed Description : I am filing this complaint against XXXX for its failure to secure my account from persistent fraud and for its refusal to provide a Reasonable Accommodation under the Americans with XXXX XXXX ( XXXX ). XXXX. Failure to Stop Unauthorized Debits ( Regulation XXXX Violation ) : Since XX/XX/XXXX, a merchant identified as R and R Car Company ( XXXX XXXX ) has initiated over XXXX unauthorized " pull '' attempts of {$1000.00} from my account. Despite my repeated reports to PayPal and reporting my card as lost/stolen, PayPal has XXXX to implement a permanent merchant block. On XX/XX/XXXX, PayPal issued a summary denial of my dispute ( Case # XXXX XXXX XXXX claiming " not enough evidence '' despite XXXX documented attempts visible in their own system. This constitutes a bad-faith investigation under the XXXX XXXX Transfer Act ( Regulation XXXX ). XXXX. XXXX Violation / Denial of Reasonable Accommodation : As a XXXX individual, I formally requested a Reasonable Accommodation for " effective communication '' under the XXXX, specifically requesting that all legal and dispute-related correspondence be handled via email. XXXX Account XXXX department ( XXXX : XXXX XXXX responded with a boilerplate rejection stating they " do not accept via email ... any type of legal instrument. '' This is a direct denial of a protected accessibility request. XXXX. Merchant Fraud : The merchant in question utilized a fraudulent/spoofed CURE Insurance policy to initiate this contact, which has been reported to the Michigan Department XXXX XXXX and XXXX FBI ( XXXX ). PayPal is effectively facilitating wire fraud by allowing this merchant to continue attempting daily withdrawals. Evidence : a few of the XXXX emails attached. ( Overly burdensome )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/year>, I sent a Cash app to the wrong person. {$100.00} to XXXX XXXX. When I contacted cashapp for a refund they didnt give it back. The recipient no longer has the cash app account so cash app basically just have my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NJ

Complaint narrative:
XXXX writing to dispute XXXX XXXX information that appears on XXXX XXXX and XXXX. My student loan balances have had inaccurate reports for the life of the loan. XXXX XXXX, XXXX and now Mohela have been charging me unexplained late fees and interest. My loan is from an Exhibit C school. I have applied for XXXX XXXX twice. I have been told my loans were in a group discharge and they would automatically be XXXX. I have yet to see my loans come off or the balances corrected. No one can explain from Mohela why I have late fees on loans that was on borrower defense and also at times on an income based plan. I have court documents and notices that regulated my loans are to be XXXX. Some colleagues from my very school have discharges and mine are still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/XXXX, I initiated a cross-border withdrawal of {$5900.00} USD from my XXXX ( Transaction ID : # XXXX ) to my receiving bank, Bank XXXX XXXX XXXX XXXX. Typically, XXXX withdrawals to Bank XXXX XXXX are completed within XXXX to XXXX business days. However, XXXX ID # XXXX disappeared for XXXX days before being returned to my XXXX account on XX/XX/XXXX. Between XX/XX/XXXX, and XX/XX/XXXX, I contacted XXXX customer service multiple times to inquire about the status of the withdrawal. Each time, I was told that the withdrawal had been completed ( status : " Completed '' ) and that the funds had been transferred to my receiving bank. I was instructed to contact my bank for further details. After the funds were returned to my XXXX account on XX/XX/XXXX, XXXX customer service repeatedly claimed that the withdrawal had first reached my receiving bank before being returned to XXXX. Trusting XXXX guidance, I repeatedly requested my bank to trace the withdrawal during the XXXX days it was missing. Each time, my bank confirmed that no foreign exchange transaction record existed. At this point, I became convinced that XXXX intentionally provided false transaction information and manipulated withdrawal statuses to mislead users, with the apparent goal of retaining users cross-border withdrawal funds for improper gains during the period when bank deposit interest rate was record high in the XXXX. Evidence of Withdrawal Status Tampering : - From XX/XX/XXXX, to XX/XX/XXXX, the withdrawal status was marked as " Completed. '' - After the funds were returned to my XXXX account on XX/XX/XXXX, the status was changed to " XXXX. '' Based on these facts, I filed a complaint against PayPals misconduct with the XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX ( Case Reference Number : XXXX ). Following MAS intervention and investigation, XXXX admitted on XX/XX/XXXX, that Transaction ID # XXXX never reached my receiving bank. Instead, the funds had been stuck at a processing bank for 67 days before being recalled to my XXXX account. XXXX also acknowledged that all prior transaction information claiming the withdrawal was " completed '' was incorrect. XXXX claimed that they completed the process of the withdrawal, and the funds were held by the processing bank- JPMorgan Chase for 67 days. Since XXXX chose JPMorgan Chase as the processing bank, while JPMorgan Chase failed to process the funds, I believe XXXX and JPMorgan Chase entered a kind of agreement which would benefit them both from the funds intercepted in XXXX bank account ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: OH

Complaint narrative:
I made XXXX payments of {$4100.00} on the US Bank website via XXXX XXXX XXXX XXXX XXXX U.S. Bank accounts ( first XXXX on XX/XX/XXXX via my U.S. Bank XXXX XXXX account and XXXX one on XX/XX/XXXX via my externally linked XXXX XXXX bank account ). Both times, funds came out of my bank accounts but instead of them being sent to my US Bank Credit card, both payments went to " XXXX XXXX XXXX ''. I never authorized the funds to go to XXXX XXXX XXXX ( nor was there even an option for me to change where the funds go ). I literally just clicked on the following XXXX links on the US Bank website. XXXX. Transfer & Pay. XXXX. XXXX U.S. Bank accounts XXXX. Pay my US Bank credit card via US Bank XXXX XXXX account on XX/XX/XXXX and Pay my US Bank credit card via externally linked Chase account on XX/XX/XXXX. What I need to know is why for both payments, XXXX. Instead of going to pay off my credit card, why did the payments go to something called XXXX XXXX XXXX XXXX. How do we get those XXXX unauthorized payments to XXXX XXXX XXXX back to my US Bank checking and XXXX checking accounts, respectively. I opened up the initial case on XX/XX/XXXX at my local branch. Since then, I've spent over XXXX hours talking to at least a dozen different reps from US Bank departments ( credit card, bank, fraud, intake form, etc ) to no avail. I've also received XXXX separate mailed responses showing false and opposite resolutions ( including a statement stating a refund was issued back to me - false ; me not providing the additional documents requested - false, and closing my cases without any further explanations. I am currently owed {$8200.00} from US Bank that were paid to a company called XXXX XXXX pay without my knowledge or authorization. I've provided US Bank with tracing numbers for both transactions. Please help me resolve this issue. Please provide me with an active case #, which department is handling my case ( credit card, bank, fraud, and who I can contact to follow up on the case. Do let me know what additional information you need from me.

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 2026-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CADENCE BANK
State: MS

Complaint narrative:
I submitted my mortgage payment on XX/XX/XXXX. I am very diligent about paying my bills, especially my mortgage, I have never been 30 days past due. I also balance my checking account daily, so I noticed the charge had not came out of my account. Cadence merged with XXXX bank in XXXX, and there was a note at the top of my account that said there could possibly be a delay in payment posting, so I assumed that's why it had not posted. I reached out to the bank after a few days when the payment still hadn't posted and unfortunately, discovered it was my fault. I did not realize I mistakenly selected a closed account as a payment option when making my mortgage payment. I should have removed the account a year ago when it was closed but there was not an option available where you make the payments to do so. I reached out to the bank prior to receiving a letter dated XXXX ( I did not received until XX/XX/XXXX ) stating that my account was XX/XX/XXXX days past due. I immediately paid the account. I pleaded with them to please remove the negative remark on my account, they refused. I called, left messages, tried to speak to supervisors, but no one was willing to help. The lady named " XXXX '' in XXXX, XXXX XXXX me a number to a lady who report to the credit bureau. ( XXXX ) ). I left a voicemail on XX/XX/XXXX, and XX/XX/XXXX and still have not received a call back. Sadly, this reporting has lowered my XXXX XXXX XXXX points. I am very frustrated with myself, however, we are all human and make mistakes. This was an honest error on my part, however, I do feel there should be some grace considered due to the bank merger as well as my account never being reportedXX/XX/XXXX days late. Please help me get this removed from my credit. I am ashamed and embarassed. Thanks so much for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Writing I am filing this complaint due to inaccurate and improper reporting and collection of a debt. This account has already been resolved and reflects a Satisfaction of Judgment through the courts. Despite this, the debt continues to be reported and/or collected. Additionally, the same debt is being reported by multiple companies, including Midland Credit Management and XXXX XXXX. This is duplicate reporting of the same account, which is misleading and violates the Fair Credit Reporting Act ( FCRA ). I have previously contacted the companies and requested validation of the debt, proof of ownership, and correction of the reporting. I also requested confirmation of the satisfied status of the account. The companies failed to provide adequate documentation or correct the issue. Furthermore, the continued reporting does not reflect the true status of the account and is negatively impacting my credit and financial standing. In a separate but related matter, an account associated with XXXX XXXX XXXX XXXX continues to be reported and/or collected despite prior confirmation that certain balances were waived. The amounts being reported are inconsistent and inaccurate. Due to : Duplicate reporting of the same debt Reporting of a debt that has already been satisfied Failure to properly investigate disputes Continued collection of inaccurate balances I am requesting : Immediate deletion of all inaccurate accounts from my credit report Cessation of all collection activity Correction of all reporting to reflect accurate information Written confirmation once these actions are completed I have attached supporting documentation, including proof of Satisfaction of Judgment and prior communications. This matter is urgent as it is affecting my ability to obtain financing. I expect a prompt resolution in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding a promotional offer through Cash App that I believe was misleading and not honored as advertised. I activated a {$10.00} off any restaurant purchase offer in the app, which required a minimum purchase of {$10.00} and was set to expire on XX/XX/year>. On XX/XX/year>, I made a qualifying purchase of {$21.00} at XXXX XXXX XXXX restaurant ) using my Cash App card, specifically to take advantage of this promotion. I completed the transaction within the offer period and followed the stated requirements. However, the {$10.00} promotional credit was not applied to my account. After the transaction, I contacted Cash App customer support multiple times, both through online chat and by phone, to request an explanation and resolution. During these interactions, I received inconsistent and conflicting reasons as to why the offer was not honored. None of the explanations provided were clearly outlined in the original terms of the promotion. Despite my efforts to resolve the issue, the company has not applied the credit or provided a clear and consistent explanation. This experience has been frustrating and appears misleading, as I relied on the promotional offer when making my purchase. I am requesting that the {$10.00} credit be applied and that the company improve the clarity and consistency of its promotional terms and customer support responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute this account, as I do not recognize it and have no knowledge of ever opening or authorizing it. After reviewing my records, I am confident that this account does not belong to me and is being reported inaccurately on my credit file. Its presence on my report appears to be the result of an error. I respectfully request that you conduct a thorough investigation into this matter and verify the accuracy of this account with the original creditor. If the account can not be properly validated as mine, it should be removed from my credit report.

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 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute this account, as I do not recognize it and have no knowledge of ever opening or authorizing it. After reviewing my records, I am confident that this account does not belong to me and is being reported inaccurately on my credit file. Its presence on my report appears to be the result of an error. I respectfully request that you conduct a thorough investigation into this matter and verify the accuracy of this account with the original creditor. If the account can not be properly validated as mine, it should be removed from my credit report.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has been open XXXX account with out my consent also the defrauded me by XXXX money and left my account in XXXX this cause me losses since o was not able to assist to my event I was not able to put gas in to my vehicle this total losses are more then {$7200.00} I want Bank of America to resolve this matter and recovery my losses

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 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
XX/XX/year> prior months my homeowners insurance went up {$200.00} I was told by sps. I contacted XXXX and my mortgage was reduced {$130.00} dollars. However my mortgage never was reduced. My balance of {$75000.00} on my home has not changed in 3 years. Im XXXX XXXX XXXX XXXX Im not understanding this situation. My mortgage amount isnt declining. It went from {$50000.00} all the way back up to {$75000.00}. I live in XXXX Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: Credit Karma, LLC
State: OK

Complaint narrative:
I am filing a complaint regarding a fraud dispute on my debit/credit card that was denied by Credit Karma . XX/XX/year> XXXX XXXX XXXX, XXXX, OK XX/XX/year> XXXX SP Alo Yoga, XXXX, CA ( No merchant record ) XX/XX/year> XXXX Target XXXX, XXXX, XXXX XX/XX/year> XXXX Target XXXX, XXXX, OK XX/XX/year> XXXX XXXX XXXX, TX XX/XX/year> XXXX Target XXXX, XXXX, OK XX/XX/year> XXXX SP XXXXXX/XX/XXXX XX/XX/XXXXCA ( No merchant XXXX ) XX/XX/year> XXXX XXXX XXXX, TX The financial institution denied my claim stating that the transactions were XXXX chip transactions and therefore authorized XXXX However, this conclusion ignores critical evidence that proves the charges are not legitimate. Key facts : The merchant Alo Yoga has confirmed that there are NO transactions matching {$290.00} on XX/XX/XXXX or XX/XX/XXXX associated with my card. This means the merchant has no record of these charges. XX/XX/XXXXstores involved ( XXXX locations XXXX and XXXX ) were unable to provide receipts or transaction documentation despite multiple attempts. I was referred to corporate support, who also could not provide proof of purchase. The transaction pattern shows multiple identical high-value charges ( {$190.00} ) within a short time period, across multiple locations, which is consistent with fraudulent activity. I had continuous possession of my card, no one else had access to it, and I did not authorize any of these transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am only listed as POA for certain bank deposits in my XXXX 's name without maintaining any accounts in my name at your enterprise or it's affiliate. Sadly, I have been subjected to aggressive mailings from your XXXX Wells Fargo XXXX with periodic mailings from XXXX XXXX and notifications about every new hiring of yet another advisor. I feel that the Bank failed to comply with XXXX XXXX and the XXXX XXXX XXXX by not giving me sufficient options to opt out of affiliate marketing.

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 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
FINAL NOTICE DEMAND FOR PROPER VALIDATION OF DEBT & INTENT TO PURSUE LEGAL ACTION Qualia Collection Service ( QCS ) Account # XXXX Account Dispute Alleged Balance : {$1300.00} This serves as my formal final notice regarding the above-referenced account. I XXXX XXXX, previously disputed this alleged debt and requested full validation. Your response failed to meet the legal requirements under the Fair Debt Collection Practices Act, specifically XXXX XXXX. XXXX. You provided : - A copy of a lease already in my possession - A summary of charges without supporting documentation This does not constitute proper validation of a debt. You have failed to provide the following required documentation : - A full itemized statement detailing how the alleged balance of {$1300.00} was calculated - Proof of damages totaling {$1000.00}, including invoices, receipts, and/or photographic evidence - Proof of cleaning charges totaling {$190.00}, including third-party receipts or service records and pictures before and after - Documentation supporting the month-to-month fee of {$100.00}, including the specific lease clause and calculation method - Evidence that I am legally responsible for the alleged damages and charges Merely listing amounts without supporting documentation is insufficient and noncompliant with federal law. I formally dispute this debt in its entirety. At this time, there is no competent evidence demonstrating that this debt is valid or that I owe the claimed amount.

Company response to consumer: Closed with explanation