vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint against Citibank regarding a denied {$750.00} Savings account opening bonus. I met all the requirements for the promotion, including opening the account and depositing a total of over {$30000.00} within 90 days. The deposits were made via standard ACH transfers from my external account at XXXX XXXX. However, Citibank has denied my bonus, claiming that the transfers were coded as " ACH XXXX '' and therefore do not qualify as " Enhanced Direct Deposits '' ( EDD ). I strongly dispute this classification for the following reasons : ACH Network : Transfers from Chase to Citi are processed through the Automated Clearing House ( ACH ) network. The " GPU '' prefix is an internal processing label and does not change the fact that the transaction is a valid ACH credit. Citis Own Terms : Citibanks definition of Enhanced Direct Deposit ( EDD ) is broad and explicitly includes P2P payments ( like XXXX, XXXX, and XXXX ) and other ACH credits. A standard bank-to-bank ACH transfer from a major institution like Chase clearly falls under this definition. Misleading Practices : Denying a bonus based on a technical internal code ( XXXX ) that the consumer has no control overdespite the funds being sent via the required ACH networkis misleading and unfair. I have already attempted to resolve this with Citibank customer service, but they refused to perform a manual review of the transaction 's ACH origin.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I contacted the collection agency and asked, Can you provide written proof that you have the legal right to collect this debt? They could not. This question is my right, under the FDCPA

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I am filing a complaint against Chase regarding inaccurate and inconsistent credit reporting on my closed credit card account. I received written communication from Chase stating that there were no late payments on my account and that the account was closed and paid. However, Chase is currently reporting multiple late payments to XXXX, XXXX, and XXXX. Additionally, this account was placed on a hardship/payment plan. I am requesting verification of : The hardship agreement terms When the plan was opened and closed Whether the account was considered current under the agreement Whether the plan was completed successfully and on time If the account was handled under a hardship agreement, it is unclear why late payments were reported. This is a direct contradiction in reporting and raises concerns about accuracy under the Fair Credit Reporting Act. I am requesting : A full investigation Documentation supporting the reported late payments Immediate correction or removal of inaccurate reporting I have attached documentation showing the conflicting information provided by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
I am filing this formal complaint against Zwicker & Associates, P.C. for serious violations of the Fair Debt Collection Practices Act ( FDCPA ), as well as unfair, deceptive, and abusive practices. I entered into a payment agreement {$3700.00} -of {$100.00} per month and have acted in good faith at all times. I have attached bank statements to this claim clearly demonstrating that I consistently maintained sufficient funds to cover these payments. Despite this, Zwicker & Associates failed to process automatic payments during the months of XXXX and XXXX, even though funds were available in my account. These payments resumed again on XX/XX/XXXX, as they had been previously processed, which clearly demonstrates that the issue was not on my end, but due to their inconsistent and negligent handling of my account. Additionally, I have been denied access to my account, making it impossible for me to make payments on my own. I have screenshots proving that I do not have access to my login credentials. Even when I contacted their representatives, they were unable to assist me in setting up payments and stated they would follow up, but failed to do so. As a result, Zwicker & Associates has maintained full control over the payment process while simultaneously failing to process payments and denying me the ability to make them myself. ( attached proof of the denied access from Zwicker ) Due to these failures, my balance has now increased to $ XXXX {$1500.00} more than expecteddriven by fees, penalties, and interest that should not have been applied. I am now being unfairly penalized for their errors. These actions may constitute violations of the FDCPA, including but not limited to : Misrepresentation of the amount of debt Unfair or unconscionable means to collect a debt Failure to properly process or credit payments Obstruction of a consumers ability to make payments This situation has caused significant financial harm and emotional distress. I am a single mother who has made every effort to comply with the agreement, and I should not be penalized for errors and barriers created by this company. If this matter is not resolved promptly, I am prepared to escalate further, including pursuing additional regulatory complaints and seeking legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I've talked with this company about fraudulent loans that were obtained in my name. I have followed their procedures. I the proper documentation with a they said it would take approximately 120 days for debts to be discharged. I received a letter stating debt was cancelled and it would be erased from my credit report. I applied for an SBA loan which informed me that my name was located on a Off Set database for Department Of Education. They are still illegally reporting my information in their system stating their are loans owed by me in default. Correct and update your system or I will take legal action to have me removed from The Off Set System.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am receiving up to 4 calls EVERY day of the week including nights and weekends. My voicemail box is now full. They've been doing this for months. Photos 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 non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed my consumer credit reports and discovered inaccurate personal information that does not belong to me. This information appears to be incorrect and may have been reported in error by one or more companies. After identifying the issue, I took action by reviewing my credit files and preparing a formal request for investigation and correction. The inaccurate information may be affecting the accuracy of my credit report, and I am requesting that the reporting company investigate the source of this information. I am requesting that the company conduct a thorough investigation of the disputed information and remove or correct any data that can not be verified as accurate. If the company can not validate the information with proper documentation, it should be deleted from my credit report in accordance with applicable consumer protection laws. I respectfully request confirmation once the investigation is complete and that any inaccurate personal information be permanently removed from my file.

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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Capital one funded fraudulent auto loan XX/XX/XXXX for XXXX XXXX from XXXX dealer- hid- XXXX mile odometer gap XXXX listed vs actual XXXX unchecked boxes no notary paywalled XXXX. sent XXXX XX/XX/XXXX demanding validation : wet-ink contract, complete chain of title, payoff, holder ID-ignored. cease-and-desist same day. No contact/ collection /repossession till validated request was ignored. They still bill, added fees, reported lates credit score dropped to XXXX as of XX/XX/XXXX unauthorized hard pulls XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX Loan invalid from very start.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
They dont have an option to pay online I tried many times to pay they sent it to the collection and they hurt my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: CA

Complaint narrative:
I called two times to XXXX on cause I have filled taxes with them XXXXXXXX XXXX there been check deposit from XXXX substantial amount of XXXX and better there no way to get verified to accessed to the only account register under my phone number all they can stlll me that there no way to find out its up to Wells Fargo

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 2026-03-18 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: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
Multiple transactions under the name stamps add funds, ship station, etc have been taken from my account which were not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: MI

Complaint narrative:
On XX/XX/XXXX, a charge of {$890.00} from XXXX was posted to my Citi credit card through a recurring payment arrangement. I disputed this charge with Citibank because the renewed charge was not for the same plan and terms as my original purchase. My original Wix purchase in XX/XX/XXXX was for a XXXX XXXX XXXX XXXX at a total price of {$340.00}. In XXXX, XXXX migrated that plan to a XXXX XXXX XXXX and charged {$890.00} for another 3-year term. This was a materially different plan at a substantially higher price. I disputed the charge with Citibank and provided supporting documents, and I explained that this was not simply a routine renewal of the exact same plan under the exact same terms. The merchant changed the plan and increased the price dramatically, and I did not knowingly agree to those material changes. Citibank denied my dispute. I do not believe Citibank fairly evaluated the evidence or adequately considered that the merchant had migrated my subscription to a different plan at a much higher price. I also contacted the merchant directly to request a refund, but the merchant refused. I am submitting this complaint because I believe Citibank failed to reasonably investigate the dispute and improperly treated this as a normal recurring charge, even though the merchant had changed the underlying plan and significantly increased the price.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
On XX/XX/year> this company agreed to delete this debt from my credit report, yet it is still shown on my credit report. To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced account. This letter serves as a second formal request for validation of the alleged debt, as your previous response failed to provide sufficient documentation to verify the validity of this account. You stated that you are the buyer of the debt, not the original creditor. However, your response did n ot include the required documentation to substantiate your claim or prove that I am legally obligated to pay this debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide proper validation of the debt upon request. Additionally, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, any information furnished to consumer reporting agencies must be accurate and verifiable. To properly validate this debt, I am requesting the following : A copy of the original signed contract or agreement bearing my signature Documentation showing the full chain of title/assignment of the debt from the original creditor to your company The name and address of the original creditor A complete payment history, including all charges, fees, and interest applied Proof that your company is licensed to collect debts in my state Verification that this debt is within the applicable statute of limitations Please note that a simple statement or account summary is not sufficient validation under federal law. If you are unable to provide the requested documentation, you must : Cease all collection activity immediately Remove this account from all consumer reporting agencies to which it has been reported Failure to comply with these requests may constitute violations of the FDCPA and FCRA, and I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. I request that all future communication regarding this matter be conducted in writing. This is not a refusal to pay, but a notice that your claim is disputed and validation is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: SC

Complaint narrative:
In XX/XX/XXXX, my XXXX account was compromised. On XX/XX/XXXX, multiple unauthorized transactions were charged to my Chime account totaling over {$3200.00}. These charges included XXXX XXXX cards and other items that I did not authorize. I reported the fraud immediately to both XXXX and Chime. XXXX investigated and confirmed that the orders were unauthorized. They removed the orders from my account and provided confirmation of this ( attached ). Chime initially refunded the transactions, but later reversed those credits and recovered funds from my account, which created a negative balance. During this time, an insurance payment was deposited into my Chime account, and Chime debited those funds as part of recovering the previously refunded amounts. This caused additional financial hardship. I disputed these charges with Chime. Chime conducted an investigation and later denied my claim. On XX/XX/XXXX, I received documentation from Chime summarizing their investigation, including the disputed transactions and internal account activity. However, the negative balance was not reversed, and I was held responsible for transactions that were confirmed as unauthorized by XXXX. I previously filed a complaint regarding this matter, but Chime did not address the issue and instead declined to provide information, citing third-party authorization. I am now submitting this complaint directly as the account holder to resolve the matter. Despite clear evidence that these transactions were fraudulent, Chime has not corrected the issue or restored the funds taken from my account. All supporting documentation is attached. Please note : I no longer actively use my Chime account and my contact information has changed since the time of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: MI

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions handling of multiple unauthorized transaction ( fraud ) claims and the subsequent actions taken on my account. I reported unauthorized debit card transactions totaling approximately {$900.00} and {$1000.00} in separate incidents. Navy Federal initially issued provisional credit in at least one instance, then later denied my claims and reversed the credit, stating that no error occurred. However, the explanations provided were generic and did not include specific details or documentation supporting their decisions. Despite informing me that I had the right to request the documentation relied upon, I was not provided with any meaningful evidence ( such as transaction verification, merchant documentation, or investigative findings ) explaining why my claims were denied. Following these denials : My debit card access was restricted for approximately one year, significantly limiting my ability to access and use my funds. My checking account went negative after provisional credit was reversed and was later closed. My access to prior secure messages and communications related to my claims is no longer available within Navy Federals system. These actions caused significant financial disruption and loss of access to my funds over an extended period. I am requesting that Navy Federal : 1. Provide all documentation and evidence relied upon in denying both fraud claims. 2. Conduct a full and fair re-review of both unauthorized transaction claims. 3. Address the extended restriction of my debit access and the circumstances surrounding the closure of my checking account. I believe the handling of my claims and subsequent account actions were not consistent with the requirements of the Electronic Funds Transfer Act ( EFTA ), including the obligation to provide clear explanations and supporting documentation upon request.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am a XXXX XXXX cardholder currently stranded XXXX, and I am being completely failed by the company I pay a {$390.00} annual fee to. I booked a round-trip ticket to my final destination through the Capital One XXXX XXXX XXXX Because I booked through their platform, Capital One is my travel agent and the merchant who took my money. Now, due to a 'Security Situation ' in early XXXX, my flights have been disrupted. Instead of helping, Capital One and XXXX XXXX are just pointing fingers at each other. Every time I call Capital One, they tell me 'its the airlines problem, ' while the airline tells me to talk to my travel agent. It has gone from a delay to a nightmare. They have now effectively abandoned me at XXXX XXXX in XXXX XXXX, which is nowhere near my final destination. They told me to 'manage the rest of the trip ' on my own dime. I am thousands of miles from home, spending thousands of dollars of my own money on hotels, food, and new flights just to get to where I already paid to go. Capital One is refusing to help with a rebooking, I feel like Im being circled around in a loop of excuses while Im stuck in a XXXX XXXX. I am asking the CFPB to step in and make Capital One take responsibility for the travel services and protections they sold me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I was charged an excessively high interest amount of {$3700.00}. I requested that customer support waive this charge as a one-time courtesy. After escalating the issue through XXXX levels of customer support, I was informed that nothing could be done. At the same time, I immediately paid the remaining principal balance of {$2400.00} in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
During XXXX, I got ill lost track of payment got so overwhelmed that the payments stop being made then when I finally did get into a position to be able to make payments, I was told that I was already in repossession status, and that I no longer have an option to clear the reinstatement up unless I pay {$18000.00} which I do not have that kind of money or cash laying around on hand to make that large of a payment however, I do still have the vehicle but as they explain to me at any time or anywhere to see the vehicle, they could pick it up and that theyre not willing to take it out of repossession status so I need some help trying to get the repossession removed for my credit and figuring out what my options are at this point being that I still have the vehicle even though its in possession

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