vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX, I called Bank of America to close my credit card account and was explicitly told there was no outstanding balance and that the account was closed. I had been a customer for over XXXX years with no prior issues. Several months later, a charge from XXXX was allowed to post to the account despite its closure. I did not authorize this charge, and I was not notified in any way no billing statements, emails, phone calls, or mailed notices were sent. As a result, from XXXX to XX/XX/XXXX, XXXX late fees accrued on the account without my knowledge. During this period, the account was also reported late to the credit bureaus, which severely damaged my credit. I only discovered the issue when I saw the negative impact on my credit score. On XX/XX/XXXX, I mailed a formal dispute letter to Bank of America under the Fair Credit Billing Act and Fair Credit Reporting Act. As of today, XX/XX/XXXX, I have received no acknowledgment or response. This exceeds the XXXX response deadline required by law and leaves the bank in violation of its legal obligations. I am requesting immediate reversal of all late fees, removal of all negative credit reporting from XXXX to XX/XX/XXXX, and written confirmation that the account is reflected as closed in good standings. Be sure to comply with FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ). Failing to provide the method of verification will result in requesting reinvestigation.

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 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, PayPal notified me that my account funds were available for withdrawal after the 180-day hold. I did not withdraw the funds in time. 
On XX/XX/XXXX, PayPal unilaterally cleared my balance without any prior warning or proper notice. The transaction is marked as " PayPal Loss Recovery ''. 
My account is still open and in good standing. There are no chargebacks, refunds, fraud, or illegal activities. 
I request PayPal to immediately return my cleared funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: CT

Complaint narrative:
I opened a XXXX  credit card and made consistent efforts to maintain the account in good standing. However, due to the combination of extremely high interest rates and recurring monthly fees, it became financially unsustainable. I believe the fee and interest structure is excessive and predatory in nature. Additionally, I am now receiving frequent calls and emails regarding the account, which feel excessive and harassing.

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 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal permanently limited my business account on XX/XX/year> and is holding {$15000.00} in completed transaction funds. I have been unable to withdraw my balance. These are funds from completed, legitimate business transactions for my company XXXX XXXX XXXX XXXX XXXX. I am requesting immediate release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Received notification through Midland Credit Management that an XXXX  Rewards account was opened on XX/XX/XXXX, and due a balance of XXXX. This was the first notice we received on XX/XX/XXXX. Original Creditor listed is XXXX XXXX Bank. After calling phone number, the account was opened under a fraudulent name ( XXXX XXXX XXXX, at a store in XXXX area ( about XXXX hours from our house at store location we have never been to ). We discussed all this with representative of Midland Credit XXXX. how this was a fraudulent account that we did not open, representative agreed with us after looking at name and store location. We keep receiving mail about balance due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-15 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: FL

Complaint narrative:
Subject : Citibank refused to honor dispute for undelivered merchandise from XXXX I am filing a complaint because Citibank failed to properly investigate and resolve a dispute for merchandise I never received from a merchant called XXXX 

I placed an order with XXXX for custom childrens books. The merchant charged my Citibank credit card immediately but never shipped the products. The merchant later shut down operations and posted a notice on their website instructing customers to dispute the charges with their credit card companies because they could not fulfill orders. I have screenshots of this notice. 

Despite this, Citibank denied my dispute and insisted I pay for merchandise that was never delivered. Citibank told me that the merchant claimed my order was delivered, but the merchant provided no proof of delivery whatsoever no tracking number, no XXXX information, no delivery address, and no signature. Citibank accepted the merchants statement without requiring any evidence. 

The merchant is no longer operating, can not ship products, and publicly admitted they were unable to fulfill orders. Their domain no longer exists, further proving they are defunct. It is impossible for them to have legitimately delivered my order. 

Citibank then threatened me with negative consequences if I did not pay the charge. Under pressure, I paid the disputed amount, but I am filing this complaint because Citibank failed to follow proper dispute procedures and did not require the merchant to provide valid proof of delivery. 

Key facts : XXXX never shipped my order. 
The merchant publicly admitted they could not fulfill orders and directed customers to dispute charges. 
Citibank told me the merchant claimed my order was delivered, but the merchant provided XXXX evidence to support this claim. 
Citibank denied my dispute without requiring proof of delivery. 
Citibank threatened me when I refused to pay for undelivered merchandise. 
I have emails, screenshots, and documentation showing the merchant never shipped anything and is no longer in business. 
The XXXX domain is now owned by an unrelated company. 


I am requesting that the CFPB require Citibank to : XXXX. Reopen and properly investigate my dispute. 
XXXX. Provide a written explanation of why they accepted a merchants unverified claim of delivery without any proof. 
XXXX. Issue a credit for the amount I was forced to pay for merchandise I never received. 


I am also requesting that Citibank review their dispute-handling practices, as their actions in this case were unfair, unsupported by evidence, and placed the burden on me rather than the merchant.

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 2026-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am a whistler blower that was retaliated against since XXXX I also reported to Justice Department before XXXX XXXX took office concerning the extensive fraud in governmental departments such as DOL, Job Corps Program, Property Tax, Mortgages. I filed complaints with your company concerning mortgage frauds with XXXX XXXX  and that has yet to be removed from my credit report. My mortgage company was transferred to XXXX XXXX  XXXX. If you check my history of complaints I explained I did not have a mortgage with XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX. My statements that was mailed to my address, XXXX XXXX XXXX XXXX XXXX Texas XXXX clearly has XXXX XXXX across the top of the mortgage statement. This is clearly mail fraud, mortgage fraud and wire fraud. This mortgage has been fraudulently been on my credit report for 4 years I demand for this to be remove immediately. I have been blocked from receiving all my credit reports for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing a complaint regarding my credit card issuers handling of a billing dispute for a canceled medical procedure. 

Transferred date XX/XX/year> I was charged {$3200.00} USD by a medical clinic for a XXXX procedure that I canceled before any services were provided. I did not travel, check in, receive a consultation, or undergo any XXXX  evaluation or treatment. 

The merchant has confirmed in writing that the XXXX was canceled and has stated that a refund is in process, yet no refund has been issued for several months. 

Despite providing documentation showing : The procedure was canceled No services were rendered The merchant acknowledged a pending refund my credit card issuer has denied my dispute XXXX  without adequately addressing the failure to provide services or the unreasonable delay in refunding my funds. 

This constitutes a billing error under the XXXX XXXX Billing Act ( XXXX XXXX. XXXX ), as I was charged for services not received and the merchant failed to issue a refund within a reasonable timeframe. 

I am requesting that my credit card issuer : XXXX. Reopen and properly review the dispute XXXX Credit my account for the full {$3200.00} USD XXXX. Provide a written explanation citing specific evidence relied upon in denying my dispute The merchant is located outside the XXXX, but the transaction was processed by a XXXX financial institution and falls under XXXX consumer XXXX laws.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: NC

Complaint narrative:
Synergetic Communication Inc. ( SCI ) is attempting to collect an incorrect debt re : an apartment rental in the amount of {$950.00}. Below is the letter sent disputing the debt sent Certified mail to SCI, receipt on XXXX XX/XX/XXXX disputing the debt. Both XXXX XXXX XXXX XXXX XXXX XXXX XXXX and SCI have been copied on the Financial Move Out statement, dated XXXX XX/XX/XXXX, emailed to me from the Property Manager on company email stating that my balance is {$0.00}. Neither SCI nor XXXX will acknowledge or even challenge the provenance of the move-out statement and willfully continue to pursue the fraudulent debt. XXXX  specifically has a very poor XXXX  grade of " XXXX '' with numerous similar complaints related to their preposterous and unethical business practices. A simple internet search of any review site for a XXXX XXXX XXXX will yield voluminous complaints of poor and unethical tenant dealings. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Synergetic Communication , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Account # XXXX - Debt Dismissal Request Dear Sir/Madam, I am responding to your electronic communication dated XX/XX/XXXX regarding an alleged debt of {$950.00} to XXXX XXXX and herein I dispute the validity of said debt. 
The alleged debt is fictional, is extortion practiced by XXXX XXXX XXXX, and I do not owe the amount claimed or any other amount. Attached to this letter, please find a final statement issued by XXXX XXXX on XX/XX/XXXX. This statement was generated after my move-out date of XX/XX/XXXX, and explicitly shows an Outstanding Balance of {$0.00}. Therefore I dispute this debt in its entirety and request validation under the Fair Debt Collection Practices Act ( FDCPA ). 
Please provide a detailed explanation why your claim contradicts the attached XXXX-balance statement from the creditor ( XXXX XXXX ). If you persist in pursuing this matter then additionally provide : 1. Proof of your authority to collect this debt including debt chain-of-custody 2. Complete payment history and accounting records 3. Copy of the original signed agreement creating this debt 4. Credit Reporting : If you have reported this inaccurate information to any credit bureaus, I demand that you notify them immediately to delete the entry, as it is a violation of the Fair Credit Reporting Act ( FCRA ) to report information known to be inaccurate. 
Cease all collection activities until/unless you provide proper validation. Do not contact me by phone - all communication must be in writing. 
Please confirm in writing that this matter is closed and that the erroneous account charge has been formally dismissed by XXXX XXXX XXXX. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/year> I paid my CapitalOne credit card bill which is due on the XXXX. On XX/XX/XXXX I checked my account and it showed a late fee and a balance for that pay period. I called and after a long conversation was told that I paid XXXX day early, that the payment would go toward my balance but not be honored as a payment for the current pay period. I was told payments had to be made no earlier than the XXXX of each month. After explaining that I was unaware of that policy and because of my perfect payment history I was told that the payment on the XXXX would be honored as payment for the current billing cycle and the late fee would be credited. Today, I logged on to my account to pay my bill and saw that the late fee had been credited back to my account but I was late and had to pay double. I called and explained that I was told the payment on the XXXX would be honored for the current billing cycle and I should not have double what my normal bill is. I was told today that's not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
XXXX  to chime account to send money to mark and XXXX for the renting of their home they sent me a lease and I sent them payment but we never received they keys so therefore the purchase was not complete if I cant enter it! Chime said no they cant refund it to me because I used transfer and not the actual card I never heard that before or read that but I need my money back asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am filing this complaint against Transworld Systems ( TSI ) for inaccurate credit reporting. TSI is reporting a collection for a XXXX account that is currently in good standing under an active, direct payment arrangement with XXXX. 
I am filing this complaint against Transworld Systems ( TSI ) for inaccurate credit reporting regarding a XXXX account. This account is currently in good standing under a direct payment arrangement. The arrangement was established following an administrative misunderstanding : I was under the impression my account was enrolled in autopay, but the setup did not process. As soon as I became aware of this error via a notice from XXXX, I contacted them immediately. A representative confirmed that I could reinstate my standing by making an immediate {$100.00} payment, which I did on XX/XX/XXXX. This payment successfully established the new, active arrangement I am currently on. Since that time, I have remained in full compliance, making a total of three payments directly to XXXX online. My attached bill confirms the " Deferred Payment Arrangement '' status with XXXX installments remaining as of XX/XX/XXXX. Despite this active agreement and my consistent payments, TSI placed a collection on my report without ever sending a validation notice. Furthermore, XXXX  recently " verified '' this debt today despite the clear evidence of my active arrangement. Because the original creditor has retained the debt and I am fulfilling a binding agreement, TSI is misrepresenting the debt 's status. I request that the CFPB require TSI to delete this inaccurate collection immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-15 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: NV

Complaint narrative:
On XX/XX/XXXX I ordered a XXXX classic series 4.5 quart tilt head stand mixer through the official XXXX website purchased with my Citi bank credit card. 
The order number was XXXX for {$300.00} They also provided a tracking number. It was delivered to my house on Thursday, XX/XX/XXXX. 

I used it once and decided I no longer wanted it. It was too heavy and complicated to use in my opinion. So I contacted XXXX for a refund and they approved the return request. XXXX approves or denies the return request before creating a shipping label for refund etc. so that was a process in itself. 

On XX/XX/XXXX, I received a digital shipping label to print out. 

After close to a month of not getting anything back from XXXX, I reached out to them XX/XX/XXXX. The reply was automated and they mentioned i would hear back from them in a day. on the XXXX, I received an email back. XXXX doesnt have an easily accessible contact email on their website because the reply was from parts and service department. Frustrated, I contacted Citi bank the same day ( XX/XX/XXXX ) because XXXX is a nightmare to be able to speak to anyone, the wait time on the phone is over XXXX hours and their live chat agents are nowhere to be found. It seems like its all automated. I wanted to dispute the transaction because I had not heard back from XXXX and had already sent out the package to return. I was told Citi bank credit cards have buyer protection. 

Citi updated me on XX/XX/XXXX saying they have not yet heard from XXXX but will keep me informed on my dispute etc. XX/XX/XXXX I got another reminder that they were working on this. XX/XX/XXXX another update saying they havent heard from XXXX. XX/XX/XXXX, they finally got a hold of XXXX and on the XXXX, theye sent another letter saying that I am still in possession of the item and I am responsible for the purchase amount. 

I mailed this item out months ago and it was an approved return through XXXX customer service. They emailed me the shipping label, I went months without hearing back from them and now theyre saying I still have the item. This is humiliating and beyond frustrating. I should not have to pay on an item I already returned.

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 2026-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I initiated a transfer of {$300.00} USD ( XXXX XXXX ) through MoneyGram from my account in the United States to my personal bank account in XXXX ( MoneyGram Reference Number : XXXX ). 

MoneyGram status records indicate that the funds were successfully deposited into the recipient account on XXXX XXXX XXXX. However, this information is incorrect ; as of XXXX XXXX XXXX, the funds have not been credited to my bank account. 
I have taken the following actions to resolve this discrepancy : Filed Formal Claims : I submitted two formal claims with MoneyGram ( Case Numbers : XXXX and XXXX ). In both instances, MoneyGram concluded their investigation by asserting that the funds were deposited, without providing further proof. 

Customer Support Inquiries : I have contacted MoneyGram by phone at least five times requesting specific transaction detailssuch as a bank trace number or a formal confirmation of creditthat I can provide to my bank in XXXX to locate the missing funds. 

Company Response : MoneyGram has repeatedly declined to provide the necessary documentation or transaction evidence required by my local bank to verify the deposit. 
Because MoneyGram claims the transaction is complete while my bank has no record of the funds, I am requesting that MoneyGram provide a formal " Proof of Payment '' or a bank trace document to facilitate the recovery of these funds.

Company response to consumer: Closed with monetary relief