vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Asset Recovery LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I began the process of moving out of my apartment due to a XXXXXXXX XXXX situation that required me to leave for my safety. I officially moved out in XX/XX/XXXX. My legal representative also communicated with the property regarding my situation and assisted in facilitating my move-out after the property initially did not agree to allow lease termination. At the time I vacated the property, I was not provided with a clear or itemized statement of any final balance or charges owed. I did not receive detailed information about any fees while the account was still with the apartment provider. In XX/XX/XXXX, I received notice that the account had been placed into collections. This was the first time I became aware of the alleged balance being claimed. After receiving the collections notice, I requested an itemized breakdown of the account. After requesting this breakdown, I was first informed of specific charges being assessed, including a re-letting fee, pet-related charges, and other fees. I dispute all of these charges as not valid or not properly supported. I believe the only potential legitimate item may be a minor charge related to blinds, but the remaining charges are disputed in full. To my understanding it is not legal to charge a re-letting fee for safety based issues like this, and the property has record of my dog being an emotional support animal, and the property was left in good condition. I am requesting full validation of the debt, including a complete itemized breakdown and supporting documentation for each charge, and correction or removal of any inaccurate information reported to credit bureaus.

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX and XXXX of 2025, in separate transactions of approximately {$15000.00} each, a total of {$45000.00} was fraudulently withdrawn from my account at CitiBank. I received NO notice or alert from Citi that these unprecedented transactions had taken place. My bookkeeper brought this to my attention in XXXX and I filed a report in my branch. I received a letter from CitiBank dated XXXX-2025 stating they would investigate it over the next 45 days. During that XXXX period, I attempted to check, but when I called I was connected to an operator overseas who didn't know much other than Citi had XXXX XXXX times, faxed the receiving bank ( XXXX ) but had not received a response. I suggested they try another method to contact XXXX such as calling, email or XXXX mail. I also suggested that someone make sure that is even a valid fax number. She said she had no control and could only tell me that status. I asked to talk to someone in the fraud department and she said they do not receive calls or talk with the public. I went to my local branch and had essentially the same conversation with the XXXX XXXX, XXXX XXXX. I asked XXXX to contact her boss and her boss boss but nothing happened. Then, on XXXX XXXX, 2025 I received a notice from CitiBank saying they had not received a response from the bank that received my funds ( XXXX ) and the case was closed for CitiBank. Citi did nothing more, to retrieve my funds, than send XXXX faxes to an unverified fax number. And they now say they will do no more. I have asked both on the phone and in person to be put in contact with someone in management at Citi Bank but that has not happened. Citi conducted another XXXX investigation for which I have been given no details, no human being with which to communicate. Just a verdict at the end saying my {$45000.00} would not be returned to me. I then, demanded further action and Citi tells me they conducted an appeal. Both the supposed investigations and the supposed appeal were austensibly conducted buy faceless, nameless people. I have no reason to believe that Citi did anything more than send a few faxes to an unverified fax number. I have been given no opportunity to be in communication with any decision maker, if indeed such a person exists.. It is utterly outrageous that someone can put their hard-earned money into a respected banking institution in this country and have their funds stolen from them. It is equally outrageous that I have no opportunity to speak or even email with someone at Citi directly. For all I know, nothing has been done to retrieve my funds. I have been given XXXX information as to what the investigation was. What, if any efforts did Citi make to retrieve my {$45000.00}. This just can not be allowed to stand.

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: IN

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Re : Unauthorized Transaction Dispute PNC Bank Case I am writing to formally file a complaint against PNC Bank regarding the denial of my dispute for an unauthorized transaction. On or around XXXX XXXX, 2026, a transaction appeared on my account labeled : XXXX XXXX XXXX IN XXXX XXXX Total amount : {$310.00} I did not make this purchase, nor did I authorize anyone else to use my debit card or account. My card has remained in my possession at all times. I first noticed this transaction after it was posted to my account on XXXX XXXX, 2026. I immediately contacted the banks call center on three separate occasions to report the issue and request a dispute. I was informed each time that a claim would be filed ; however, no claim was actually submitted until I visited the bank in person and insisted it be properly filed. On XXXX XXXX, 2026, I received a letter from PNC Bank stating the following : * The disputed transaction totaled {$310.00} * The bank determined that no error occurred * The bank held me liable for the transaction * The reason given was that my card was allegedly used while in my possession The claim was denied in less than XXXX weeks, despite my repeated statements that I did not make or authorize this transaction. I strongly disagree with this determination. I want to clearly state that : * I did not make this purchase * I do not know anyone who could have made it * My card was in my possession at all times * I reported the issue immediately upon noticing the charge * I made multiple attempts to file a claim before it was properly submitted I am requesting a full review of this case. I believe the bank did not conduct a thorough or fair investigation before denying my dispute. I am also requesting that PNC Bank be required to provide the documentation and evidence used to conclude that I authorized this transaction. This matter is very important to me, as this is my hard-earned money. I am requesting a reversal of the {$310.00} charge and a proper reinvestigation of this fraud claim. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
To : XXXX Subject : URGENT : Unauthorized XXXX Account Using My Identity ( Brigit ) Body : Hello CFPB Team, I am submitting this report to document unauthorized financial activity involving the XXXX application Brigit. I am receiving realtime financial alerts from Brigit that include my name and actual balance information, despite having no access to any Brigit account. This indicates that my identity rails ( email, phone number, and possibly bank account ) have been used to create or operate an unauthorized Brigit account. Clicking Brigit notification links triggers XXXX authentication, confirming that my identity is registered in their system without my authorization. This incident is part of a broader crossplatform identity misuse event involving Brigit, XXXX, XXXX, and my XXXX email identity. I am requesting CFPB assistance in ensuring that Brigit freezes the unauthorized account, discloses the linked bank information, and initiates identity verification. Thank you, XXXX XXXX XXXX XXXX, California Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Re : Dispute of Inaccurate Balance Reporting Account Number : XXXX To Whom It May Concern, I am formally disputing the accuracy of the balance being reported and/or furnished for the above-referenced account associated with Portfolio Recovery Associates. After reviewing the documents recently provided in response to my dispute, I have determined that the information currently being reported can not be considered properly verified or accurate under the Fair Credit Reporting Act. The documentation provided includes a historical billing statement from a XXXXXXXX XXXX XXXX XXXX account dated XX/XX/year> reflecting a balance of approximately {$850.00}. XXXX However, the balance currently being reported by Portfolio Recovery Associates is {$2100.00}. XXXX No competent evidence or itemized accounting was provided explaining : how the balance increased, what interest or fees were added, whether additional charges accrued after charge-off, or how the current reported amount was calculated. Additionally, the documents provided failed to include : a complete payment history, a charge-off accounting, an itemized balance calculation, authenticated business records, or sufficient documentation establishing the accuracy of the reported balance. Because the documentation supplied does not substantiate the amount being reported, I dispute the accuracy and completeness of the balance information pursuant to FCRA 1681i and FCRA 1681s-2 ( b ). I request : A reasonable investigation into the accuracy of the reported balance ; Complete itemized accounting supporting the amount claimed ; Identification of all fees, interest, or adjustments added after default ; The date and amount of the alleged charge-off balance ; Correction or deletion of any information that can not be fully verified with competent documentary evidence. Please note that reporting information that can not be accurately substantiated may constitute the furnishing of inaccurate or misleading information under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I request that this matter be reinvestigated and corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern ; I am aware that the working class is viewed as peasantry in the eyes of todays corporations and government, it's with great regret I must direct my complaint to such an entity like the federal reserve. On XX/XX/XXXX, my JPMorgan Chase account was closed without warning or any provided reason. I was under the impression my previously open account was joint ownership with a client of mine, whom I represented as a payee. XXXX passed away in XXXX of XXXX, and I since stopped receiving XXXX on her behalf. I continued to use the account under the notion it was under direct ownership to me ; deposits, transactions, and transfers were all made under my name and with my currency. This went on for XXXX years until XXXX of this year. There was {$11000.00} dollars in my account, and this money was needed for my mortgage and escrow payments, the same day my account was closed, I was due to pay my mortgage company the full amount. I realized my account was closed when the mortgage company contacted me explaining the funds were not available, I immediately called Chase and inquired as to why this was happening. I was led around like a donkey with a carrot on a stick, the numerous representatives I spoke to couldn't conjure a direct answer for this issue. I finally spoke to a man who explained, I would receive a check by Monday in the mail with my associated funds. The check won't be arriving. I was then told to contact the state for my recently re-allocated funds, " fltreasurehunt.gov '' was the provided website. I deem this scenario highly unfair and extremely disadvantageous to me as a former chase consumer, I ceased receiving funds for the beneficiary, used the account for multiple years, and wasn't even provided the courtesy to withdraw my funds. The truly unfortunate part about this economic exploitation, I was literally told I'd be receiving my funds in the form of a mailed check, then informed to contact the state where I would have to wait at least 90 days before even having a chance to claim my funds. I wasn't even provided with paper documents or instructions to retrieve my funds, just numerous agents reading from the same script. If I was informed I wouldn't be receiving a check in the mail, I would've went to my local branch and enlisted for further explanation and a solution, however I was unfortunately played like a fiddle, and now I risk my credit score lowering, potential house eviction, emergency savings, and general cost of living funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery have sent me a letter saying they sued me but i was never notified of having a court date. As a result of not being notified i missed the date and now they say they won the case. This debt is past its limitation its approximately XXXX yrs old or more and i actually dont know what debt this is since they never sent me information on the debt it just says its a little over {$5000.00}. This collection is also not on my credit report my credit report has been clean for the past XXXX yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GRANDVIEW FINANCIAL SERVICES INC.
State: CA

Complaint narrative:
I am XXXX XXXX, the spouse of XXXX XXXX, who is currently in immigration detention. I am handling this matter on his behalf because he is unable to properly manage communications regarding this account. I repeatedly contacted Grandview Financial Services regarding incorrect billing, unexplained charges, and communication problems related to our vehicle loan. I provided proof that our vehicle had active insurance coverage. The company later confirmed by email that LDW charges from XX/XX/XXXX through XX/XX/XXXX were waived. However, despite this, the company never provided a complete updated account statement, recalculated balance, or revised payment schedule. On XXXX XXXX, 2026, I specifically requested a detailed updated account statement including all fees, transactions, and charges. The company ignored this request and never provided the requested information. The company continued sending collection notices and overdue payment messages even after payments had already been made on the account, including payments made in XXXX 2026. Most recently, I received another late notice that included : * Unpaid Late Fee : {$100.00} * Unpaid Other Fee : {$1200.00} * Past Due Amount : {$1300.00} The company never explained what the Unpaid Other Fee of {$1200.00} represents or how it was calculated. I also repeatedly requested that all communication be directed only to me because my husband remains in immigration detention. Despite this, the company continued sending collection messages directly to him. This situation has caused me severe emotional distress during a medically complicated pregnancy. My husband was the only working provider in our family before his detention. The company closed the previous complaint without fully resolving the issues, without properly responding to my requests, and without providing the documentation I repeatedly asked for. I am requesting : * a complete updated account statement, * a detailed explanation of all charges and fees, * a corrected recalculated balance, * a revised payment schedule, * and written communication directed only to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IA

Complaint narrative:
I applied for a specific loan of XXXX with specific length and interest rates and unsecured, after a hard pull it gave me my eligible offers which included unsecured loan offers. I provided all the information they requested and uploaded on their website, they called me back and denied me an unsecured loan and said i was only eligible for a refinance loan with a way higher amount which i didnt ask for, deceptive and misleading practice and when i was for what info was used in this decision the loan specialist said they dont know what i was preapproved for even though there is a specific loan application number provided to me. I asked to speak with branch manager who was not helpful and tried to continue using these misleading tactica, when i asked to remove car refinance loan and to hear what i was all eligible for since i took the time to provide them the information they requested i was denied and told i only had XXXX options, i didnt believe her and asked what i was all eligible for and remove car refinance she got upset put me on hold and told me she had a different appointment and refused to provide what rates, term lengths, amounts i all qualified for after i let them so a hard credit pull and provided everything they asked for and they denied me unsecured even though i was told i wad eligible for, refused to tell me why i was denied, discrimination occurred today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: SC

Complaint narrative:
My car was wrongfully disabled by a kill switch right after my payment. I repeatedly requested they retrieve the vehicle. They initially refused and later repossessed it, reporting it as a standard default on my credit. I am requesting my share of the consumer relief distribution ordered by the court. Westlake say I owe XXXX but it use to be with US auto sales.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against Bank of America regarding a closed Balance Assist personal consumer loan account with a balance of {$500.00}. This account has been sitting as a charge-off in the bank 's system for approximately three years, during which time Bank of America made XXXX active attempts to contact me no calls, no letters, and no billing statements. Furthermore, I have actively attempted to resolve this debt in the past, including an extended effort in XXXX. During those attempts, Bank of America 's front-line agents were completely confused by their own internal records, stating that the account was incorrectly coded as a 'credit card ' product even though I have never had a credit card with them. Agents explicitly informed me at that time that they could not physically process or accept a payment from me because the account was marked as 'closed ' in their system and has been charged off. Today, XX/XX/XXXX, I again took the initiative to track down their specialized recovery department and explicitly issued a valid tender of payment, offering to pay the full {$500.00} balance immediately via debit card. Because the bank 's own administrative barriers, internal system glitches, and years of negligence caused this credit damage, I requested a full tradeline deletion. Front-line staff acknowledged the situation but failed to successfully connect me to a supervisor to handle the deletion agreement due to internal system delays. I am withholding payment and filing this complaint because Bank of America can not legally report that a consumer is defaulting on a debt when their own internal systems have actively blocked and refused payment processing for years. I request that Bank of America 's corporate compliance team review their system interaction logs, accept my payment of {$500.00}, and issue an Automated Universal Dataform ( AUD ) to completely delete this tradeline from XXXX 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 2026-05-18 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: IN

Complaint narrative:
" I am a victim of identity theft involving {$3900.00} in unauthorized charges from XXXX XXXX ( Chime XXXX # XXXX ). I provided Chime with an official FTC Identity Theft Report ( Report # XXXX ). Furthermore, I provided direct written proof from the merchant, XXXX XXXX, stating they identified the account as fraudulent and shut it down. Despite this ironclad third-party evidence proving I did not make these charges, Chime issued an immediate denial, violating my consumer protections under Electronic Fund Transfer Act ( EFTA ) Regulation E.

Company response to consumer: Closed with explanation