vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint against XXXX regarding incorrect and inaccurate information being reported and/or maintained on my student loan account. I have identified discrepancies in the data associated with my student loans, and I believe the information being reported is incorrect. Despite my attempts to review or understand the account, I have not been provided with sufficient documentation or clear explanations to support the reported information. Specifically, I am concerned about : * Inaccurate account balances and/or payment history * Incorrect status reporting ( such as delinquency, forbearance, or repayment status ) * Lack of clear and complete documentation supporting the reported data I have not received : * A detailed account history showing how balances and payments have been applied * Documentation verifying the accuracy of the reported loan information * Clear explanations addressing the discrepancies I have identified I am formally disputing this information and requesting that Aidvantage conduct a thorough investigation into my account. Reporting inaccurate student loan information may violate federal consumer protection laws, including obligations under the Fair Credit Reporting Act ( FCRA ). I request that XXXX : XXXX. Provide a complete and accurate account history, including payment and balance calculations XXXX. Correct any inaccurate information being reported to credit bureaus XXXX. Provide documentation supporting the accuracy of all reported data XXXX. Ensure that all future reporting reflects accurate and verified information I also request that this matter be investigated to ensure compliance with applicable federal laws and consumer protection standards. Thank you.

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 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against Citibank regarding its failure to conduct a reasonable investigation into an unauthorized transaction, in violation of the Fair Credit Billing Act. This complaint is related to a previously closed CFPB case XXXX concerning a {$910.00} charge from XXXX dated XX/XX/year>. However, this filing raises new concerns regarding XXXX investigation procedures and compliance with federal law. Summary of Issue : Citibank denied my fraud claim based solely on a phone call I made on XX/XX/year>, in which I contacted Customer Service regarding a declined attempt to purchase airline tickets. Citibank incorrectly treated this call as proof of authorization for a completed transaction. At no time did I authorize XXXX to process or complete a {$910.00} charge. Key Facts : I contacted Citibank regarding a declined transaction, not to approve a completed purchase. I requested same-day cancellation of the transaction on XX/XX/year>. Despite this, the merchant kept the ticket active until XX/XX/year>. I did not receive, use, or benefit from any services related to this charge. The transaction was finalized without my authorization after the initial attempt was declined. Failure to XXXX Reasonable Investigation : Citibank failed to provide or review critical evidence necessary to support its conclusion, including : A recording or transcript of the XX/XX/year> phone call allegedly demonstrating authorization. Technical transaction data ( IP address, device identification, timestamps ) proving that I authorized the completed charge. Evidence from the merchant confirming that the service was used or benefited from. Instead, Citibank relied on an assumption that my inquiry about a declined charge constituted authorization of a separate, completed transaction. This is not a reasonable investigation standard under the Fair Credit Billing Act. Requested Resolution : I respectfully request that the CFPB require Citibank to : Reopen and conduct a proper, good-faith investigation Provide all documentation relied upon in denying my claim Reverse the {$910.00} charge if no valid authorization can be demonstrated Correct any negative credit reporting associated with this matter Citibanks failure to distinguish between a declined attempt and a completed transaction, and its refusal to provide supporting evidence, reflects a breakdown in its dispute resolution process and compliance obligations. I am seeking a fair resolution based on documented proof, not assumptions. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Date : XX/XX/year> Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Company : Bridgecrest XXXX. XXXX XXXX XXXX, AZ XXXX Subject : Formal Complaint Inaccurate Repossession Reporting, Failure to Validate Debt, and Potential FCRA Violations To Whom It May Concern, I am filing this formal complaint against Bridgecrest for reporting a repossession on my credit file that is inaccurate, unverified, and potentially unlawful. Despite my efforts to obtain proper validation, Bridgecrest has failed to provide competent evidence supporting the reporting of this account. This matter involves serious violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to the reporting of information that can not be substantiated and failure to conduct a reasonable investigation. I dispute the following aspects of the account : * The validity and accuracy of the repossession status * The completeness and accuracy of the payment history * The date of first delinquency * The calculation and legitimacy of any balance allegedly owed * The legal basis and procedural compliance of the repossession To date, Bridgecrest has not provided : XXXX. A signed contract or agreement bearing my signature XXXX. A complete and accurate payment history XXXX. Documentation proving lawful repossession, including required pre-repossession notices XXXX. Evidence of compliance with applicable state repossession laws XXXX. A full accounting of the disposition of the vehicle and how any deficiency balance was calculated Bridgecrest continues to report this account to the credit bureaus without providing the required verification, which constitutes negligent or willful noncompliance with federal law. Reporting unverified information is a direct violation of the FCRA and is causing ongoing harm to my credit profile. I am requesting the following immediate actions : * A full reinvestigation of this account * Immediate deletion of the repossession tradeline if verification can not be properly established * Written confirmation of the results of the investigation * Documentation provided directly to me supporting any claim that this account is accurate and legally enforceable Additionally, if Bridgecrest verified this account with any credit reporting agency without possessing the documentation requested above, this raises serious concerns regarding the adequacy of their investigation procedures and compliance practices. If this matter is not resolved promptly, I am prepared to pursue further legal action, including claims for damages under the FCRA for inaccurate reporting and failure to properly investigate a disputed account. I expect a timely response and resolution in accordance with federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year> at XXXX PM I used a Usbfctichar ATM located at XXXX XXXX XXXX XXXX. In XXXX, TX XXXX. At the time of this transaction I out my Cash App card in the machine and tried to withdraw {$80.00}, but the ATM issued me a receipt that stated this transaction could not be processed at this time. I received no cash for this transaction. I then proceeded to use the ATM a second time and had no issues. I didnt notice the charge to my account until the following day XX/XX/year> in the amount of {$80.00}. I took all the appropriate steps needed in order to receive my refund. I filed a dispute with Cash App immediately and also contacted the merchant of the ATM. I was told it would be resolved within XXXX business days, but I still havent received my refund. The transaction ID XXXX is : XXXX and the sequence number is : XXXX. XXXX provide all details in the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: AZ

Complaint narrative:
I have attempted to speak with someone from XXXX XXXX XXXX 3 times. When I select the option to speak to a representative, the call ends. I know I owe the money, I want to arrange payment, instead of them taking my federal tax return every year.

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 2026-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I am filing a complaint against Fair Collections & Outsourcing regarding an alleged rental debt they are attempting to collect. The company claims that I owe * * {$23000.00} * *, which is inaccurate. I dispute both the validity of the amount and the debt as presented. I have never had any direct account, agreement, or business relationship with Fair Collections & Outsourcing. Despite this, they are attempting to collect this debt without providing sufficient documentation to support their claim. I also request that this matter be investigated to ensure compliance with applicable federal laws and consumer protection standards.

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 2026-03-29 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: CA

Complaint narrative:
I enrolled in a debt settlement program and was instructed to stop making payments while negotiations were conducted with my creditors. I was led to believe that the resulting late payments would be addressed as part of the settlement process. The accounts have now been settled, but the late payments remain on my credit report and have significantly damaged my credit profile. I am requesting a review of the reporting and assistance correcting the late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
A third-party debt collector purchased the debt from the original creditor. The amount of the debt they sold is {$5500.00}. I had an agreement with the original debt collector for that amount only. I feel that the original debt collector sold the debt to a new debt collector as it shows on my credit report. So, by law it is null and void because I did not have an agreement with the new debt collector or sign no new agreement with the new debt collector. Now they are suing me for the amount due. Please help. I feel I do not owe the debt to the new debt collector, and I would like it removed from my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was pre approved for a credit card on the Cap One app and offered to submit with no impact to my credit. Then I was prompted to enter my name and last XXXX of my social along with other personal information. Once I submitted I received an onscreen message of congrats I was approved immediately following I received an email that I was denied and started receiving hard inquiry notifications hits to my credit. When I called Cap One they told me I could have a block. But why would I have XXXX a block if they already approved me, not a me approval. I checked my XXXX while the cap one agent was on the phone and confirmed no block by XXXX At that point I was asked to check the letter I received. The letter was vague but stated I could have a block and to contact all credit bureaus. Again, makes no sense because I was already approved. This is the second time within a week this has occurred resulting in my credit score being hurt. I also noticed the credit score listed in the letter I received from cap one has my score a lot lower than all the major credit bureaus. I checked myself on each of the apps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was charged illegal banking fees for my personal and business accounts. These fees included monthly fees that kept rising over the years. Business checks that were held and caused insufficient funds fees.

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 2026-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
There are several charges that I have paid that are still on my credit. The number I call to make payment is not a payment option on XXXX 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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
They charged me XXXX {$35.00} fees because a work check didn't through and payments were scheduled and wasn't notified through app till I was negative XXXX in fees than the check went through because of the holiday and ended up short on bills

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 2026-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am filing this complaint regarding funds in the amount of {$3200.00}, plus accrued interest, that I have been unable to locate or access in my American ExpressXX/XX/XXXX Bank savings account. The last account statement I received was sent to my former address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. Since that time, I have attempted to locate and recover these funds, but have been unsuccessful. American Express has not provided a clear explanation of where the funds are, whether the account remains active, or if the funds were transferred, closed, or escheated. I have made multiple efforts to resolve this issue directly but have not received a satisfactory response or access to my funds. At this point, it appears the funds are either being wrongfully withheld or have not been properly accounted for. I am requesting that American Express XX/XX/XXXX Bank conduct a full investigation into the status of this account and immediately return the full balance of {$3200.00}, along with any applicable interest. I also request a complete account history and written explanation of any transactions, closures, or transfers associated with these funds. This matter is urgent, and I am seeking prompt resolution. Former name XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, I received a fraud notification from Chase asking if I was attempting to make a purchase of over {$600.00} at XXXX XXXX. I responded that this was not me making the purchase and Chase then asked me to review my recent charges and report any that had not been made by me. I did so and Chase opened a fraud investigation. On XX/XX/XXXX, Chase rebelled the following to my account : XX/XX/XXXX - Goodwill {$32.00} XX/XX/XXXX - XXXX {$63.00} XX/XX/XXXX - G & M {$72.00} XX/XX/XXXX - G & M {$24.00} XX/XX/XXXX - XXXX XXXX {$20.00} XX/XX/XXXX - XX/XX/year> {$3.00} XX/XX/XXXX - XX/XX/year> {$11.00} I called to inquire about the reason for this and Chase informed me that these charges had been rebilled because they were made in person using a digital wallet. When I inquired about the XXXX XXXX charge that was declined and confirmed as fraud they stated that it was attempted in person using a digital wallet and matched the use case of the rebilled charges, yet they are refusing to consider these smaller charges as fraud and insisting that I pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Date : XX/XX/XXXX Time : approximately XXXX PM Location : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ATM ID : XXXX On the above date and time I visited that BoFA drive-thru ATM to deposit {$3000.00} in cash. It was a large stack of mostly {$20.00} bills. After inserting the cash into the ATM machine it went unresponsive. The machine could not be interacted with and the touch screen wouldnt work. I could still hear the sound from the cash deposit mechanism. After a while the ATM machine returned directly to the Home Screen and spit out my debit card. There was an error message now stating This ATM is currently unable to dispense cash or accept cash which I took a picture of. I immediately checked the balance of my checking account and the XXXX dollars had not been deposited. I then sat in the drive thru in front of the ATM for around 20-25 minutes while I waited for BoFA customer service to pick up my call. I filed a claim and they gave me a XXXX dollar temporary credit while they investigated. Just recently on XX/XX/XXXX they marked my claim as completed, and stated that I only deposited {$11.00} in the transaction. They then withdrew {$2900.00} from my checking account since that was the difference of the credit. I didnt see the update on the claim until XX/XX/XXXX. I immediately called in and requested to appeal the claim and re-open the investigation. They asked for any additional evidence, which I dont really have any? Im not sure how I would. The ATM took my money and returned to the Home Screen. I requested that they review the video feed from the ATM which should clearly show me inserting a large stack of 20s into the ATM then sitting in front of the ATM on my phone for 25 minutes while talking to BoFA customer support. I am now waiting to see if they will re-open the investigation but the CSR said it may not happen without any additional evidence. Again, I have no clue what sort of evidence they would be expecting here.

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 2026-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am reporting a fraud involving funds transferred from my Bank of America account. I was induced to send money under the belief that it was part of a legitimate investment opportunity. After the transfer, it became clear that this is likely a scam, as there is no verifiable way to withdraw funds. The parties involved are directing users to bypass XXXX regulations by using VPNs and alternative digital IDs to access offshore exchanges, which raises serious legal and compliance concerns. Despite multiple requests, no proof of successful withdrawals has been provided, only promotional materials and training videos encouraging further deposits.

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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing a complaint regarding a PayPal Credit account ( Synchrony Bank ) that has been placed in collections with XXXX XXXX XXXX. After reviewing the statements provided, I identified clear discrepancies : - Payments were made via automatic payment and recorded as Automatic Payment Thank You - These payments were posted on or before the due date - Despite timely payments, the account was charged late fees and returned payment fees - These fees appear to have been improperly applied and compounded over time This created an inaccurate and inflated balance, which ultimately led to the account being sent to collections. As a result, my credit score dropped from approximately XXXX to the low XXXX, causing significant financial harm, including higher interest costs on a {$450000.00} mortgage. I am requesting : 1. A full investigation into the application of payments and fees 2. Removal of improperly assessed fees 3. Correction or removal of all negative credit reporting 4. Written confirmation of the findings This account is inaccurate as reported and I believe it may involve violations of federal consumer protection laws, including the Fair Credit Billing Act and Fair Credit Reporting Act.

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