vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
I am submitting this complaint regarding unauthorized electronic transfers made from my Navy Federal checking account through XXXX XXXX. Around the middle of XX/XX/XXXX spanning to the middle of XX/XX/XXXX, multiple XXXX XXXX transactions totaling approximately {$590.00} were processed from my account without my authorization. I did not initiate, approve, or benefit from these transfers. I reported them to Navy Federal and filed a dispute requesting an investigation. Navy Federal issued provisional credit but later denied my claim, stating there were discrepancies, without providing a clear explanation or evidence showing that the transactions were authorized. Because the provisional credit was reversed, my account became overdrawn and I experienced financial hardship. I requested clarification regarding how the determination was made and what evidence was used to conclude the transactions were authorized, but I have not received a meaningful explanation. My concern is that the investigation did not adequately consider whether I authorized these specific electronic transfers. I am requesting that Navy Federal conduct a reinvestigation of the disputed transactions, provide a detailed written explanation of its findings, and correct any account impacts resulting from the denial if the transactions can not be shown to have been authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 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: Total Card, Inc.
State: OK

Complaint narrative:
I am mailing this complaint also. A credit card company tried telling me I could not file a complaint for a defective product and tried to change the method in which I was told by the merchant to return it for a fee, paid by me. The representative was rude and also inaccurate. It is not his place to change the merchant directed return process but only to file the complaint and dispute the charge through their normal, outlined disputes process. He did not do this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: FMA Alliance, Ltd.
State: PA

Complaint narrative:
A vehicle load was secured with XXXX for a vehicle. I paid my payments each month to XXXX as agreed. XXXX was unable to verify or secure a title for this vehicle. I was unable to register this vehicle. They had secured a loan without any sort of verification of vehicle. After some time XXXX agreed to take vehicle back. Sent letter stating as long as I kept it insured and in same condition as purchased they would pick it up and refund payments that were made and loan would be removed from credit profile. Vehicle was picked up by their service and a refund check was issued as agreed upon and loan was dissolved. I had not heard a thing from them until I received a letter from Credit Collection Sercices dated XX/XX/XXXX stating I owed {$3300.00}. I sent them a letter stating I did not owe them anything and explained everything as above and sent copies and never heard from them again. Then XX/XX/XXXX I received a similar letter from another collection agency XXXX XXXX XXXX XXXX stating same thing and sent them same letters. They keep sending the original loan contract that was voided when XXXX took vehicle and issued refund. Both agencies have this amount with no explanation saying how or why I owe this money. XXXX never once sent a letter stating a balance was owed. Again if there was why would they issue a refund check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Late XXXX I called about a supposed late payment made, I have been on a credit recovery plan through XXXX XXXX and payment to the closed discover account has been paid on or about the 25th of every month. The Discover Bill date either changed or they have not been reporting late payments prior to XXXX of this past year. The Bill due date is 6 of each month causing the payment made on the XXXX of the month to always appear late for credit reporting purposes. In XXXX I made a payment to bring account current and was told that moving forward the payments from the credit recovery plan made on the XXXX would keep the account current and the due date would be changed to reflect this and stop negative reporting to the Credit Bureaus for Late Payments. I have now had to call three times and asked to speak to a supervisor twice with no success and no resolution. This is a pretty simple resolution to prevent negative reporting change the due date by 14 days to ensure a late payment is not processed on this account but I can not get any resolution after paying over half of this XXXX dollar debt through this plan all of a sudden it is a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Branch Messenger, Inc.
State: NC

Complaint narrative:
I made a withdrawal from a XXXX ATM on the XX/XX/year> for the sum of {$1000.00} with my Uber pro card managed by BRANCH and the ATM didnt dispense the cash due to a malfunction but the money was debited from my account. The ATM printed a receipt stating it clearly that We cant complete your withdrawal right now. To make sure your account is credited correctly, contact your bank. All I need to make a claim is on the receipt. I reached out to the card issuer which is the Uber pro card and they made a dispute for that transaction with XXXX and later came two weeks later and denied the claim and told me on their end stating this, which was very strange for a financial group telling its customer. We are not able to assist with ATM malfunctions or errors resulting in cash not being dispensed. We recommend that you contact the ATM manufacturer for further assistance by contacting the service department listed on the ATM. I immediately made an appeal and sent a picture of the receipt and the picture of the ATM machine immediately after the transaction that states, ATM out of service as evidence and it was rejected with the the next reason stating We have determined that no error has occurred. If you are able to provide new information, you may request a reevaluation of your dispute. We have come to this conclusion because : After reviewing your request to reopen your claim, as well as considering any additional information you provided, our previous decision stands. Please refer to the original case closure email for details on the denial reasons. You can also view the claim details, outcome, and related communications regarding your dispute in your banking app by clicking on View Disputes under the account tab. I have made attempts to reach out to XXXX and they say they cant help me that only the card issuer which is BRANCH has to file a dispute to them to review it. I have been on calls with branch but they cant help me. They recently told me today that the dispute was filed with XXXX but they never had a response from XXXX. So I asked them, so how come you guys came to a conclusion that no error occurred if XXXX has not responded they couldnt give me an answer and insisted their final decision stands. I even went to the XXXX branch were the transaction was done to request for the manufacturers information and the manager told me that was not possible. The corporate office was called and I was told only the Financial card issuer management can make a proper dispute so that they can make and investigation on the error from the transaction. My card issuer has failed me and I need my money bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This is the update to case XX/XX/XXXXXXXX which was filed on XX/XX/year>. Since I can't update online, I had to reopen this case. Today XX/XX/year>, I received a call from XXXX XXXX weeks after escalated to their exe department. ( this is another compliant I filed with BOA ). I was told there is no restriction from Bank of America, it was from XXXX. I told XXXX that we already had XXXX way phone conference, BOA, XXXX, and myself. XXXX said there was no restriction and BOA agreed to set up my XXXX from BOA. I requested a written documentation since it has been 1 month, all I got was the phone conversations. If Bank of America didn't delete my account, ( which I have email notification from BOA that my account was deleted ) BOA should work with XXXX to restore it. ( although XXXX said they didn't restrict on my account ) It looks like this case is circling around. Please get involved and help a solution even it might involves multiple institutions. Your Bureau is the one has the power, please help us the small business, we are helpless here. Thank you so much.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/year>2026 I had accrued XXXX Citi Thankyou rewards points. XX/XX/year>2026 I earned XXXX Citi Thankyou rewards points. XX/XX/scrub> 2026 I earned XXXX Citi Thankyou rewards points. To date, I have a total of XXXX Citi Thankyou rewards points. These points do not appear online on the Citi Thankyou Card website where I normally can redeem them. I called Citi Thankyou rewards customer service was given the run around and sent to Citi Thankyou Card customer service and they gave me the run around until I was transferred back to Citi Thankyou Rewards customer service. I asked to speak to a manager because I was on hold for over and XX/XX/XXXX andXX/XX/XXXX. I was lied to by agents of Citi Thankyou Rewards Customer Service and laughed at by agents of Citi Thankyou Card Customer Service only to have my call terminated. This is ridiculous. The only reasons why I use this Mastercard is for the Citi Thankyou promotionals and to redeem my Thankyou points.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX I received an email from Citizens Bank about a new checking account that I opened with them. The email stated it was a 'One Deposit Checking ' with no opening deposit amount. In the email I was given an applicant ID. I was sent the disclosure forms and agreements in a separate email. I had never heard of Citizens Bank so I did not click on any links and immediately looked up the bank and called their customer service line. We exchanged information and they verified that there was an account opened in my name. I was promptly transfered to a supervisor who quickly resolved the issue and terminated the account. The supervisor then advised me to report fraud with the 3 major credit bureaus and then file a complaint with ftc.gov. The supervisor at Citizens Bank gave me a confirmation number for the closing of the account and I gave him my contact information if they had further questions or concerns. I was told I would be receiving paperwork from them in the mail within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
As a consumer I was scammed and IMMEDIATELY contacted Wells Fargo on XX/XX/XXXX they said it might take XXXX business days but the claim was filed and my payment was pending for 4 days after and it should not have been taken out. The amount was {$800.00}. I also contacted XXXX and reported this fraud. When i called back then they told me I couldnt do anything as it was through a third party vendor and closed the claim. I spoke with them again and went over how I called to stop any payments on the day of the fraud and it shouldn't have ever went through and as a bank that payment shouldn't have went through as it was immediately reported. I am filing a formal appeal of the claim.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Failure to Provide Provisional Credit After Request Issue : Wells Fargo failed to provide provisional credit after I formally requested it for a missing ATM deposit. Details : I requested provisional credit for a missing ATM deposit of {$17000.00}. Wells Fargo did not issue the provisional credit within the required timeframe and did not provide any written explanation for the delay or denial. I was not given a timeline, an investigation update, or any documentation explaining why the bank has not complied with Regulation E requirements. Harm : I have been without access to {$17000.00} for an extended period, and the banks failure to provide provisional credit has caused financial harm, delays, and unnecessary stress. I have had to repeatedly contact the bank with no resolution.

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 2026-03-24 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: VA

Complaint narrative:
b"To Whom it may concern:\n\XXXX XXXX XXXX received IRS refund check in the amount $XXXX XXXX endorsed it over to me to deposit to Bank of America (BoA) into my checking account #XXXX XXXX XXXX. I made a mobile deposit on XXXX XXXX XXXX. Bank Of America (BoA) received the funds XXXX from IRS on XXXX XXXX XXXX. BoA would not honor the deposit (?fraud) XXXX closed my account. It has been XXXX months of hell for us. I have been calling customer service and fraud departments of BoA\nfor XXXX months requested the funds XXXX be release back XXXX IRS, XXXX they keep telling me that they still do investigation XXXX there no time line when they return the funds back XXXX IRS. We re planning XXXX write a complain XXXX attorney of general office XXXX department of Banking. We also planning a lawsuit of BoA. They re causing us stress, worry XXXX lost sleep. Were in hardship. Im banking with BoA for a long times XXXX I would never commit any crime. I have a Limited Power of Attorney from XXXX XXXX XXXX XXXX a copy of IRS refund check included in attach. We want XXXX put our case out XXXX social media if we dont get our money back soon. BoA are the XXXX fraut. They kept our money for XXXX months XXXX wouldnt give it XXXX us. Theyre using our money XXXX investXXXX XXXX has been calling IRS for help XXXX request the funds back from BoA, XXXX because the check was endorsed over XXXX me XXXX XXXX, IRS cant request the funds back from BoA. I'm requesting BoA reopen my checking account#XXXX XXXX XXXX XXXX deposit the funds of $XXXX they took from us or return the funds back XXXX IRS or cut XXXX XXXX XXXX a check. Please help.\n \nThank you very much!"

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 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XXXX. Timeline : Settlement agreed in XX/XX/year> Payment made on XX/XX/year> ( {$1100.00} ) As of XX/XX/year> : No receipt No settlement letter No credit update XXXX. What They Told Me on XX/XX/year> : A very rude representative named XXXX ID XXXX, confirmed payment is in their system, confirmed account is settled, but refuse to provide written proof. XXXX also refused to allow my wife and I to speak to a XXXX to possibly get a resolve to this matter. I am preparing for a mortgage application and need documentation to verify this account has been settled. The lack of written confirmation is directly impacting my ability to move forward

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 2026-03-24 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase on XXXX XXXX of XXXX online then I noticed another charge on XX/XX/XXXX of {$76.00}. I contacted synchrony and filed a report about that charge and they took the steps necessary to credit the account. Now on XX/XX/26 I notice the card has a balance of {$76.00}, again I called the company and I was informed by XXXX that the vendor refunded the charge and since I had XXXX refunds I have to pay XXXX back out of my pocket. I disagree. The balance on the card should be XXXX instead of them charging me for the amount the vendor refunded. I have not made any charges on it, the card was fully paid for. So I told them to close my account and send me a paper bill. I want to fight this.

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 2026-03-24 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: CA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Last year I had fraudulent student loans originating from MA. They were removed from my credit due to them not being mine. Now this rental collection is showing on my report also located in MA which I presume is associated with those other fraudulent loans.

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 2026-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Sunlight Financial LLC
State: TX

Complaint narrative:
We installed our solar system in XXXX. Since then, the credit applied has been very low. In the most recent bill ( TXU ), from XX/XX/XXXX, we were only credited {$26.00}. We have continued paying the loan to the financing company ( Sunlight Financial ), but the installer ( XXXX XXXX ) is no longer in business. During this time, we requested the contract, which was provided, but we received no technical support. Despite our efforts, the issue of low production remains unresolved.

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