vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I received a text message from my XXXX XXXX credit card asking if I made a purchase at a XXXX XXXX XXXX ( I live in XXXX ). When I wrote back no, a number automatically called me and claimed to be from XXXX. They said that they had have several cases in my neighborhood regarding fraud they were going to transfer me to all linked accounts ( TRUIST checking/credit account, and XXXX. ) This XXXX agent seemed to know all my information and passwords which made me believe them. After XXXX hour on the phone, with this number XXXX they scammed me of XXXX. They told me they would wire me money and for me to transfer it back to this account so that they can track the money process to see where others have been getting robbed, because they seem to think there's an inside man working at the bank who has been stealing money from people. They even asked me if they catch the person would I be willing to show up in court. They asked if I would be willing to be part of the process of catching them by showing up to my local branch and reading a script in which the " XXXX '' would send me later. They read me all the charges this person would receive. They gave me a XXXX XXXX card ending in XXXX to upload the XXXX money to. Truist denies my claim saying because it was done by me with my knowledge and sent as a good/services they can not pay me back even though I got no benefit from this cash. I lost XXXX and continue to be charged interest by my bank because I can not pay this back. Ive disputed this case XXXX times already. I have been a loyal customer for so many years and this is the respect I get in return? What is insurance for, if they cant reimburse me? I do not need someone who does not back me up, trust me, or atleast be willing to help me. They offered XXXX help, XXXX interest, payment plans, nothing!!!!! I will close this account immediately once I get a loan to pay this off. I even filed an online police report.

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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I filed a previous complaint against Total Visa. XXXX. The issue has persisted. Total Visa continues to send me statements in the mail stating I owe them. My credit has been severley affected by all the reported non payments. I canceled XXXX of last year. This situation is getting out of hand.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing in response to your communication regarding an alleged debt. Under my rights pursuant to the Fair Debt Collection Practices Act, I am requesting validation of this debt. I dispute debts and request that you provide verification, including : The name and address of the original creditor The full amount of the alleged debt, including any interest, fees, or charges Documentation showing that I am legally obligated to pay this debt A copy of the original contract or agreement bearing my signature Proof that your company is authorized to collect on this debt Until you provide proper validation, I request that you cease all collection activities and communication with me regarding this matter. Additionally, if this debt has been reported to any credit reporting agencies, I request that it be marked as disputed. Please respond to this request within XXXX days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo really closed my account after barely XXXX hours, blaming previous fraud like Im some kind of criminal without even giving me a real chance to prove anything. Meanwhile, multiple people sent me money and then turned around and requested it backnow somehow Im the one being labeled a scammer? Thats not just frustrating, its straight-up unfair. And to make it worse, the woman on the phone told me theres nothing anyone can do. I dont believe that for a secondI know thats not true. There is always someone higher up, always another step, and Im not accepting a dead end answer just because its easier for them. Im not backing down from this. I need a legitimate bank account, and I will have onewhether its with Wells Fargo or XXXX XXXX XXXX. Im done being pushed around by systems that assume guilt without listening. Im going to keep pushing, keep escalating, and keep fighting until this gets resolved the right way.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
Company : Robinhood Financial LLC Issue : Incorrect account balances/ unauthorized credit extension / financial harm Complaint : I am filing a complaint against Robinhood Financial LLC regarding improper extension of account credit and resulting financial harm. In XX/XX/year>, Robinhood extended over {$200000.00} in instant deposit credit to my brokerage account even though no corresponding funds existed in my linked bank account. These funds were displayed as available buying power and relied upon to execute trades. Subsequently, these deposits were reversed or failed, demonstrating that the funds never existed. Despite this, Robinhood allowed continued trading activity, exposing me to significant financial risk that I did not authorize or reasonably anticipate. As a direct result : My account suffered losses and negative equity My bank account was impacted, including overdrafts My credit card was used to cover deficiencies, causing long-term financial harm My credit profile was negatively affected This situation reflects a failure of internal controls, risk management, and accurate account reporting. Requested Resolution : Full reimbursement of losses caused by artificial buying power Correction of all account records Removal of any negative equity or deficiency Investigation into Robinhoods instant deposit and risk control systems

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
They are ruining my credit for a time-barred debt, that was resolved with original creditor. They put XXXX deragatory comments on my profile after it was settled with the original creditor. I need these deragatory comments off of my report, they are trying to collect on something that has been solved already and are constantly adding comments to my profile. I would like them to cease and desist immediately and send paperwork saying I owe whatever they saying I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
Theft During Incarceration ( XX/XX/XXXX XX/XX/XXXX ) : I forgot to add that I submitted police reports to them also While I was in state prison, XXXX XXXX and XXXX XXXX stole thousands of dollars from my account and changed the contact information to their own. I provided Chime with my official prison release papers proving I was incarcerated during every transaction. Chime has denied my dispute XXXX times and now claims they " lost '' my documentation. XXXX. Merchant Error & Hostility : I was charged XXXX times for a single purchase at a XXXX. Chime refused to reverse the duplicate charges, even after I followed their instructions to contact the merchant, who then became hostile and threatened me with arrest. XXXX. XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) : During my period of homelessness ( XX/XX/XXXX early XXXX ) I attempted suicide as a direct result of XXXX not investigating my case and returning my money because I became homeless hopeless and fear for my life my safety on the streets of XXXX XXXX and almost always starving.my phone was stolen in XXXX XXXX. I called Chime on a recorded line and was assured the account was frozen. Chime failed to freeze the account, allowing " XXXX XXXX '' to steal my remaining {$590.00}. This loss led directly to a suicide attempt and emergency hospitalization. XXXX. Collateral Damage : Chimes refusal to return my funds made it financially impossible to afford transportation for my probation requirements, leading to multiple violations. I also currently face a {$5000.00} Social Security overpayment because I was mentally and physically unable to manage my affairs while being financially exploited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Viking Client Services
State: CA

Complaint narrative:
I am filing this complaint against Viking Client Services for unfair and abusive collection practices regarding a fraudulent vehicle damage claim ( Ref # XXXX ). I provided conclusive evidence, including an XXXX Final Receipt with a {$0.00} balance, proving the vehicle was returned in good condition. Furthermore, the vehicle was out of my custody for XXXX hours before the company 's inspection. I sent a formal dispute via Certified Mail, which was received on XX/XX/year>. Despite this, on XX/XX/year>, I was contacted by XXXX XXXX XXXX ( ID # XXXX ), who was verbally aggressive and hostile. He repeatedly interrupted me and shouted over me to prevent me from explaining the facts. He admitted the odometer changed by XXXX miles after I returned the car but refused to acknowledge the XXXX gap in their custody. He dismissively stated my official documents were " not evidence '' and sarcastically told me " good luck '' when I mentioned filing a CFPB complaint. This company is refusing to validate a debt despite clear evidence of XXXX liability and is using aggressive tactics to intimidate me. I request an immediate closure of this case with a {$0.00} balance and a formal letter of closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/year>, rocket mortgage sent me an email with mortgage quote and lock-in at XXXX % for an XXXX arm refinance after pulling my XXXX credit. Based on the quote I continued the refinance process in good faith. Without clear or adequate explanation the representative changed the quoted interest rate to XXXX % and increased value of the loan and payment amount. At no point was I clearly informed of any valid changed circumstances, rate lock expiration or underwriting reason that would justify these material changes. -misrepresentation of loan terms -Bait and switch tactic -failure to provide clear and timely disclosure -inaccurate or misleading loan estimate information. He sent me an email with rate info and a button to lock in rate which I clicked on. Iam requesting in writing : XXXX. Detailed explanation for the change from XXXX XXXX XXXX XXXX XXXX Confirmation of whether the rate was locked at any time because I clicked lock in once he sent me email XXXX. Copies of loan estimate issued XXXX, confirmation that my credit inquiry and resulting disclosure complied with federal and state lending regulation. This is a XXXX violation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am submitting this complaint regarding account restrictions and closures by Citibank that resulted in the loss of earned credit card rewards and negatively impacted my credit profile. Account Background : I became a Citibank business client in XXXX. In XXXX, I opened the following accounts : Citi XXXX XXXX ( approved XX/XX/XXXX, {$10000.00} limit ) Citi XXXX XXXX ( approved XX/XX/XXXX, {$30000.00} limit ) I used these accounts in good faith and incurred the following charges : {$8600.00} on the XXXX XXXX {$2200.00} on the XXXX XXXX Issue Timeline : On XX/XX/XXXX, after a {$5000.00} dental transaction, my XXXX XXXX account was flagged for fraud and restricted. I immediately attempted to resolve the issue : I contacted Citibank but was unable to reach the appropriate department or receive clear guidance. I was informed that documentation would be mailed ; I never received it. Upon calling again, I was instructed to submit IRS authorization forms. I completed and mailed the forms promptly. I later learned the form was considered incomplete ; however, I was not notified and only discovered this after proactively following up. I resubmitted corrected documentation immediately. Despite complying with all requests : My accounts remained restricted I did not receive timely or clear communication My accounts were ultimately closed without notice or an opportunity to resolve the issue Consumer Harm : I met the spending requirement for the Citi XXXX XXXX welcome bonus while my account was restricted. I was prevented from accessing or redeeming over XXXX reward points earned through this offer. I paid all balances in full, including a {$590.00} annual fee ( later refunded ), to avoid any negative credit reporting. The account closures have adversely affected my ability to obtain new credit. Citibanks lack of clear communication, failure to properly notify me of documentation issues, and closure of my accounts despite my compliance resulted in financial harm and loss of earned rewards.

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On or about XX/XX/year>, my phone was stolen out of my hand. Shortly after the theft, unauthorized transactions totaling approximately {$10000.00} were made from my account through XXXX XXXX. I did not authorize these transactions, did not initiate them, and did not benefit from them in any way. I immediately took action once I became aware of the issue, including filing a police report and reporting the fraud to my bank, JPMorgan Chase, as well as to XXXX XXXX. I even filed an Identity Theft report and froze my credit. Despite this, my claim was denied based on a statement that I benefited from the transactions. This is incorrect. The funds were sent to another account that does not belong to me, and I received no benefit from these transfers. This situation constitutes an unauthorized electronic funds transfer resulting from theft. Under Regulation E, I am requesting that this matter be properly investigated and that I be reimbursed for the unauthorized transactions. I am also requesting that the companies provide the documentation they relied on to deny my claim, including any evidence that allegedly shows I authorized or benefited from the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was defrauded of {$1600.00} via a faXXXX XXXX XXXX scam and paid them via Cash App. As soon as I realized the fraud I contacted cash app and while I was not able to get in touch with a human their automated system said they would look into the issue. I also submitted an XXXX XXXX Report # [ REDACTED ]. The experience has been far has been far ideal : Failure to Investigate & Inconsistent Outcomes : Despite all transactions stemming from the same incident and evidence, Cash App randomly closed portions of the investigation without notifying me or providing a substantive explanation, while others remain open. This demonstrates that a " thorough and timely investigation '' was not performed.Failure to Provide Provisional Credit : It has been over XXXX business days since my report and a provisional credit for the {$1600.00} has not been issued.Inadequate XXXX XXXX : My attempts to use your " XXXX live-person support '' resulted in agents closing chats prematurely without re-opening cases or ensuring the attached FBI XXXX documentation was reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
I am a checking account holder at Charles Schwab Bank. My account was recently frozen by Schwab following my report of unauthorized fraudulent transactions. I understand and accept that Schwab needs to investigate those specific transactions. However, Schwab has frozen my entire account, including funds that are completely unrelated to the fraudulent activity money that was in my account prior to and unconnected to the fraud. These funds are not in dispute. There is no legitimate regulatory or legal basis for withholding access to them. I have called every day but can not access the funds and worried about paying income taxes in a few days, my pay checks were not allowed to be deposited and bills are bouncing - I received XXXX call saying it XXXX take weeks as they were very busy but I am in an impossible situation as I have no access to my legitimate funds.

Company response to consumer: Closed with explanation