vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I deposited my check XXXX days ago on the XXXX on mobile. It originally said I would have the funds available on the XXXX I checked today and the funds now say they are on hold until the XXXX. This has happened to me before so I called the bank to see if they could cancel the mobile deposit. They said they could not and they had to wait until the funds were offhold. I asked if they could expedite it and they said they can not. This is the third check in a row they have done this. The funds are available in my account because it is a payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
On XX/XX/year> an extension agreement was made stated it stated on XX/XX/year>. For a total of XXXX months. On XX/XX/year> the company placed a {$99.00} late fee on the account without informing me of the late charge. The late charge was fraudulently charged as we were in an extension agreement for a lemon law buyout. Thus once the payoff and payment history were verified by the manufacturer that was discrepancies in the financial documents holding the buyback process. This had since has caused over {$5000.00} in damages and rising. After speaking with the company and making over XXXX calls exceeding XXXX hours of time the XXXX XXXX XXXX XXXX department stated not to speak with offshore personnel as they dont follow policy and they remove a late fee, however told me they are not doing anything about the damages. The late fee was never informed to me nor was a billing sent to me on it, therefore not known. On XX/XX/XXXX a 30 day extension was placed back in and approved to continue the buyback process and again on XX/XX/XXXX a second 30 day extension was placed by a XXXX employee number XXXX. After speaking with multiple members again. on the XXXX XXXX and XXXX of XXXX magically all extension agreement paperwork and process have disappeared from system while some representative State they see it submitted and approved others say its gone and now we get harassing phone calls and stopping legal matters. Informed the company I would be representing myself and any legal matters if move to that stage and I was requesting very specific transcript calls as it showed the extensions were processed totaling XXXX months. Company stated I did not have a legal right to represent myself and would not allow me to speak with their legal team or any other team hint stopping all progress in a XXXX law case as well as completing all task associated with this. The XXXX cup customer relations team has made it well known theyre not in favor of a early payoff as they lose extensive amount of profit gained on the finance charges. Ive been informed the finance charges are calculated on a flat interest rate while others state, it is calculated differently every day there is no clear define answer, therefore unable to verify if charges on the financial side or even correct. Have taken off multiple days of work just to make phone calls company will not respond.

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 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
I was in the hospital I told them I wasn't sure if I'd even have the money next payday to even pay she said it would have to be that day and all that she could do but I wasn't even paid hardly anything if they could let me do much smaller payments I would be able to I just can't do that full amount all at once ATM between health, bills that are now all behind, car issues I'm not okay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I am the victim of a persistent household-wide merchant fraud exploit by XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the sixth unauthorized charge of XXXX my family across multiple banks. Despite my husband notifying Citibank of this specific fraud in XXXX, my account was targeted on XX/XX/XXXX, myaccountwastargetedonXXXX XXXX XXXX XXXX XXXX90.00}. Technical Evidence of Negligence : During a recorded call on XX/XX/year>, Citibank Fraud XXXX XXXX admitted that the merchant utilizes a 'digital account number ' ( token ) that 'can roll over from new card to new card under the same account ' if not manually deleted. This charge proves that Citibanks standard security protocols are failing to stop this specific merchant 's tokenization exploit, which allows them to bypass physical card replacements and 'follow ' us to new account numbers

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing regarding the disputed transaction associated with my Bank of America checking account ending in XXXX, which resulted in a negative account balance currently being referenced in your recent correspondence dated XX/XX/year>. I previously disputed a transaction initiated by XXXX XXXX XXXX that substantially exceeded the scope of my established authorization and historical payment patterns. My longstanding payment history with XXXX XXXX XXXX consisted of consistent monthly automatic payments in the approximate amount of {$110.00}. At no point did I knowingly authorize a substantially larger withdrawal in the amount that was ultimately processed against my account. To my knowledge, this larger transaction was inconsistent with my prior authorization practices and appears to have been processed following either a merchant system error, unauthorized reuse of payment credentials, or a payment processing irregularity. I specifically advised Bank of America during the dispute process that I did not authorize this transaction in the manner in which it was presented and processed. Despite my dispute, I was informed that Bank of America determined the transaction to be authorized and permitted the debit to remain charged against my account. Because I continue to dispute the validity and scope of this authorization, I am formally requesting copies of the documentation and evidentiary basis relied upon during their investigation and determination.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this formal statement to dispute the continued presence of negative accounts, inquiries and collections currently appearing on my credit file. Please be advised that these accounts have already been fully settled and resolved. As such, their continued reporting as active negative items is inaccurate, misleading, and damaging to my financial standing. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am demanding that you immediately remove these negative accounts and collections from my credit report. Because these matters have been settled, I also formally request that you block these specific items from being reported or appearing on my credit file ever again. The reporting of settled items as derogatory is a failure to maintain maximum possible accuracy of my credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: FL

Complaint narrative:
Hello cfpb officer XXXX denied my disputeXXXX never responsible for me bcz late dispute open. I'm sorry for late dispute why I'm late bcz I'm never check my XXXX. I'm very busy with my previous profession. Why I'm open Dispute. I have no connection with the transactions that have occurred from my account. I don't even know those merchants.I couldn't take action quickly, it was my failure, so why am I not getting the right solution? Merchant name : XXXX. I don't know how these transactions actually happened, I don't understand, but it's true that dollars were stolen from my account. But since I didn't make these transactions, I'm entitled to them, hopefully I'll get the right solution. My XXXXinformation Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX recently I'm lost my job, now I'm broken.And family not Rich Please bring back my dollars. The lack of money is killing me and I have also lost my jobXXXX please help office and refund back my The stolen money. Compose Write to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Recently, I gave Capital One a deposit for a credit card, but unfortunately, soon as I got the car, it was blocked due to some crazy reason I sent that documentation to prove that I am a real person and that I am living at the address I am at, but for some reason they dont believe me and they are trying to verify me, but can not get in contact with me because they not calling me so I just wan na be done with Capital One. I want them to send me my deposit back because I dont wan na do business with them because they are illegal and they are on some data breach type of stuff. I dont appreciate how they are treating me. I can not get any service. They keep giving me the runaround. I just want my money back. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: TX

Complaint narrative:
Due to medical reasons I was in the hospital and couldnt access a branch to make cash deposit. With some of my online returns funds took XXXX days to process causing my account to be negative. As I stated for medical reasons I could t access a branch. Spoke to representative and manager on the phone and they refused to help me with the fees. She was rudely telling flat no, and she didnt want to deal with me. She showed no concerns or empathy. For being a loyal customer for more than XXXX Wellsfargo and its employees has been really horrible to me personally. WF imposed XXXX overdraft fees in XXXX day on me. Didnt even gave me the chance to bring my account back up.

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 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable credit reporting practices involving multiple collection agencies and furnishers reporting to my credit reports. I have disputed several accounts with the credit bureaus and requested debt validation from the furnishers ; however, inaccurate and potentially unverifiable information continues to be reported. The accounts include : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Klarna XXXX XXXX XXXX XXXX XXXX XXXX My concerns include : * Failure to provide adequate debt validation * Continued reporting of disputed information * Potential duplicate reporting * Inaccurate balances and payment histories * Failure to conduct reasonable investigations under the FCRA I am requesting : XXXX. A complete investigation into the reporting of these accounts XXXX. Deletion of unverifiable or inaccurate information XXXX. Written documentation supporting any verified reporting XXXX. Compliance with all applicable provisions of the FCRA and FDCPA I respectfully request assistance in resolving these issues. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Somebody opened up a credit card with this company and when I tried to dispute this on XXXX XXXX, it was declined. I did not apply for this credit card. I saw it on my credit report. I have no knowledge of who opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
The loan company did not properly disclose the impact of skipped payments or late payments. I was made to believe numerous times via calls with agents that once the loan came to term the car would be paid in full and no additional would be owed. I called numerous times because the balance didn't make sense. the car total at term is well over car value and higher than original loan. the balance owed at this moment is XXXX payments are not making an impact at all even though loan has come to term and no interest should be charging anymore. maturity date was XX/XX/XXXX, contract date was XX/XX/XXXX. They are taking advantage of consumers by offering skip payments especially during covid and being very selective or not forthcoming about what the impact at the end truly is leaving the consumer to owe double if not more than what they would have paid at full loan amount. This vehicle is worth less than {$5000.00} but costing us another {$35000.00}. When calling I get no help and false information and every call is different information. I'm never connected to anyone that can actually help and even once threatened on call that the car will be taken due to balance remaining even though payments are being made.

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 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
In XXXX XXXX XXXX XXXX XXXX rep showed up to my house. And we talked about XXXX and he guaranteed a rebate of {$10000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None was done or received. I never signed with GoodLeap and it's misspelled. I have told GoodLeap and they continue to say they confirmed it and it's not even close. I have sent a demand letter and they have did a {$98000.00} and still going up as a charge off. It has destroyed my credit and has caused embarrassment. Also was told no utility bill. I told them over a year ago I was going to be charging them storage fee. XXXX rep also only paid for the insurance to start and no other payment was made to the insurance. XXXX was supposed to pay for.Goodleap is responsible for all XXXX promised. Holder rule

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am submitting a follow-up complaint regarding a disputed rental collection account related to XXXX XXXX Communities that continues to be reported on my credit file. I previously filed a CFPB complaint regarding this matter in XX/XX/XXXX, and the company failed to respond. Prior to vacating the property in XX/XX/XXXX, I repeatedly notified management in writing regarding unresolved rodent infestation, unsanitary conditions, and ongoing maintenance issues within the apartment. I submitted multiple maintenance requests and emails documenting mice inside the unit, XXXX mice found on traps, rodent droppings and contamination behind the refrigerator, foul odor issues, and conditions that made the apartment unsafe and uninhabitable. Despite repeated written notice and maintenance requests, the issues were not adequately resolved. I also reported the conditions because I felt the environment was unsanitary and unsafe. I have supporting documentation including maintenance requests, emails, photographs, and prior complaint records demonstrating the ongoing conditions and my attempts to resolve the matter before moving out. The collection account continues to be actively reported on my credit report and has negatively affected my ability to obtain housing. I dispute the validity and accuracy of this debt due to the unresolved habitability and sanitation issues at the property. I am requesting a proper investigation into the reporting and handling of this account, especially considering the company failed to respond to my prior CFPB complaint.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
Formal Complaint Against US Bank Regulation E Violation & System Error Dispute Denial Consumer Information : Name : XXXX XXXX XXXX XXXX : US Bank Account Type : Checking Account Transaction Date : XX/XX/year> Duplicate Amount Detached : XXXX US Bank Denied Claim Number : XXXX Description of the Problem : I am filing this formal complaint against US Bank for a failure to properly investigate and resolve an electronic funds transfer error, violating my rights under Electronic Fund Transfer Act ( EFTA ) / Regulation E. On the date listed above, I attempted to process a payment transaction via US Bank 's platform. During the attempt, the US Bank interface explicitly displayed an error message stating that the transaction had failed and instructed me to " try again. '' Following the system 's direct operational prompts, I initiated the payment a second time. Due to a backend system processing lag/glitch on US Bank 's platform, the system ultimately processed both transactions, pulling duplicate identical amounts from my checking account for a single invoice. I contacted US Bank to report this system error. US Bank opened a dispute but subsequently sent a denial letter, lazily claiming the transaction was " authorized. '' This was not an authorized duplicate transaction ; it was a forced error caused completely by inaccurate system status prompts inside US Bank 's own application. The merchant is currently holding duplicate funds for a single order and refusing a manual refund due to the bank 's processing state. Desired Resolution : I demand that US Bank reopen the investigation, review their system/server interaction logs for the specified timestamp to identify the false " failed transaction '' prompt, and reverse the duplicate error transfer to return my funds. I also request that US Bank provide me with all documentation, system logs, and evidence relied upon to issue their initial denial, as mandated under Regulation 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