vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.

Complaint narrative:
I began I received an email from Citibank on Saturday, XX/XX/year> welcoming me to my new XXXX XXXX Card, with a {$9300.00} credit limit, and that my account was considered open as of XX/XX/year>. I responded to this email on Monday, XX/XX/year>, I sent the following email to the Citibank fraud hotline XXXX ( attachment for where I found this contact on their website ) : Dear Citibank Fraud department, I just received this mail about opening an account at your bank. I have never submitted this request, and I do not live in the United States anymore, so in theory I should not be able to. Would you be able to confirm whether this is a legitimate notification from your bank, and if so, how this could be possible? Best, XXXX I received no response. The following day, on XX/XX/XXXX, CitiBank sent an email that the card is on its way. On XX/XX/XXXX, I received notification that the card is almost there ; on XX/XX/XXXX I received an 'action required ' email to activate the card. I did not activate the card given that I do not know where the card is. XXXX XXXX alerts me that a new 'CITI XXXX XXXX ' card has been added to my account. Part of the difficulty has been that I am currently working abroad in XXXX, so I am locked out of XXXX XXXXXXXX XXXX website and app due to geographic location.

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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I run a small business as use XXXX XXXX to accept cards. I tapped a customers card and it declined on my end while on my clients end he got a text from his bank asking about the transaction. He responded that it was a legit transaction. The payment went through the second time after he clarified to his bank. I then got suspended by XXXX and haven't gotten any information on how to unfreeze my account. When I ask support they just tell me that another department takes care of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
3 companies are trying to collect on a debt with no clear validation of who has the right to collect. Selling the principles information and gaining with no consideration of all parties who started the contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau / Chime Review Team, I am submitting a formal complaint regarding the closure of my account with Chime Financial , Inc. My account was recently scheduled for closure due to alleged activities not following the terms of service. However, I was not provided with any specific explanation, evidence, or clear details regarding what actions or transactions allegedly violated the terms. During my communication with Chime support and their specialized team, I was informed that the decision had already been made and that it was not possible to proceed further. I was also told there was no additional information available regarding the reason for closure and no meaningful appeal process offered. I was provided reference number XXXX during my call with Chime support, which I am including for identification and review purposes. This account is my primary financial account used for receiving income. The closure has caused immediate financial disruption and uncertainty regarding access to my funds and ability to maintain financial stability. I am respectfully requesting : 1. A clear explanation of the specific reason ( s ) for the account closure 2. Disclosure of any policy or transaction type that triggered this action 3. A review of whether the closure decision can be reconsidered 4. Confirmation of how and when I will receive full access to any remaining funds 5. Information regarding any formal appeal or dispute process available to me I am fully willing to cooperate, verify my identity, and provide any documentation necessary to resolve this matter. My intention is not to violate any policies but to understand and correct any issues if possible. I am requesting a fair, transparent, and documented review of this situation. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX a deposit was made from Social Security in the amount of {$2200.00}. This was made in error by Social Security. On XX/XX/XXXX there is an adjustment on my account for the same amount but it does not state anything onther than Adjustment, that it came from my checking account, the amount, and the date. Social Security states that they have no record of this amount of money and they would like proof that this adjustment was indeed initiated by them. I called the bank and after around 5 transfers and an hour and a half on the phone they have told me that there is no way for them to provide me the proof that I have requested. They are stating that my bank statement is proof enough to say that the adjustment was initiated by Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company closed doors and subsequently declared Chapter 7 Bankruptcy XXXX XXXX XXXX Bankruptcy court District of Massachusetts)\XXXX Tried to contact circle furniture but phones disconnect and no email responseXXXX Spoke to Wells fargo Visa to enter dispute XXXX XXXXhey indicated this is a straightforward case that should be resolved quicklyXXXX XXXX credit given, I requested a check that is supposed to be sent within 10-14 dayXXXX XXXXscalated, no receipt of check to executive office, Escalation XXXXFrequent calls, they keep saying they need more timeXXXX Advised Wells Fargo that I would escalate to the CFPB since not responding to this issue.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: LA

Complaint narrative:
XXXX XXXX reached out to XXXX they sent account to XXXX. I reached out to XXXX and spoke with XXXX whom admitted on a recorded line that the bill was never charged to my correct insurance company, they sent it to the wrong insurance company. She stated they would reach out to XXXX XXXX XXXX XXXX XXXX XXXX and have the account removed from my credit report. I also spoke with Representative with National Recovery Agency that stated that would put this account in dispute, but Under the fair reporting Act, this account qualifies for complete deletion for inaccurate reporting and the deliverance of notice failure. I am requesting immediate removal from credit report because it is affecting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing a complaint regarding unauthorized electronic fund transfers from my account at Wells Fargo totaling approximately {$13000.00} on the early morning of XX/XX/year>. My XXXX was stolen while unlocked the night of XX/XX/year>, and the thief gained access to my Wells Fargo account and initiated XXXX transfers to an unknown recipient. I did not authorize these transactions, did not know the recipient, and received no benefit from these transfers. I reported the fraud to Wells Fargo within 48 hours of the incident, well within the timeframe required under the Electronic Fund Transfer Act ( EFTA ). A police report has been filed, and documentation is pending. Despite this, Wells Fargo denied my claim, stating that the transactions were authorized because they were conducted from my device. This is incorrect. The transactions were initiated by a third party who stole my device and accessed my account without my permission. The fact that the device was unlocked does not constitute authorization under EFTA. These transfers meet the definition of unauthorized electronic fund transfers, and Wells Fargo is obligated to investigate and reimburse accordingly. I am requesting a full reimbursement of the {$13000.00} and a copy of the banks investigation findings, including the evidence used to determine that the transactions were authorized. I believe Wells Fargo has failed to comply with its obligations under federal law by improperly classifying fraudulent account takeover activity as authorized transactions. I request that this matter be reviewed and resolved promptly.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNT! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, my personal information was compromised in a publicly reported data breach involving XXXX XXXX XXXX. Following this breach, a XXXX XXXX credit card account was opened fraudulently in my name without my knowledge, authorization, or consent. After discovering this account on my credit report, I immediately disputed it with the credit bureau and the furnisher, stating that it is the result of identity theft. I also submitted an FTC Identity Theft Report and requested that the account be blocked and removed pursuant to the Fair Credit Reporting Act ( FCRA 1681c-2 ). I further requested full verification of the account, including a signed application or contract, complete account records, and the method of verification used. The company failed to provide any documentation proving that I authorized or opened this account. Despite my identity theft claim and supporting documentation, the account continues to be reported. This is a violation of FCRA 1681c-2 ( failure to block fraudulent information ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681e ( b ) ( failure to ensure maximum possible accuracy ). I am requesting the immediate blocking and permanent deletion of this fraudulent account from my credit file.

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 non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint against Bank of America regarding their failure to protect me as a client and their inadequate investigation of my dispute ( Claim No. XXXX, Amount : {$2900.00} ). According to the banks decision dated XX/XX/XXXX, my claim was denied on the basis that : The service was not canceled according to the merchants policy Verbal promises are not considered a billing error This conclusion is deeply concerning and demonstrates that the bank did not properly investigate or protect me as their client. This case is not simply about a verbal promise. It involves : Service not rendered Misrepresentation by the merchant Contradicting statements from the merchant Documented timeline and communication inconsistencies On XX/XX/XXXX, I was contacted directly by the merchants office ( associated with XXXX XXXX ). During this call, I was subjected to pressure and inappropriate communication, and I was explicitly told that I should cancel and would receive a refund if I was not comfortable proceeding. This was not initiated by me. The office called me and directed the outcome. Their later claim that I contacted them voluntarily on a holiday is false. Despite providing detailed explanations and supporting information, Bank of America dismissed my claim without properly addressing : The fact that no service was rendered The conflicting narrative provided by the merchant The circumstances of the XX/XX/XXXX call, including pressure and misleading guidance The need to verify communication records, call logs, and timelines Instead, the bank relied solely on the merchants documentation and ignored the broader context of the dispute. As a client, I rely on my bank to : Act in good faith Conduct a fair and thorough investigation Protect me from deceptive or unfair business practices In this case, the bank did not meet those expectations. Simply stating that verbal promises are not considered a billing error is not sufficient when the dispute clearly involves misrepresentation and a service that was never provided. I am requesting that : This claim be reopened and escalated for a full and impartial investigation All submitted documentation be reviewed thoroughly, not selectively The bank verify call records and communication timelines from XX/XX/XXXX The bank reassess this case under the appropriate dispute category, including services not rendered and misrepresentation I expect Bank of America to fulfill its responsibility to protect its clients and not default to the merchants position without proper scrutiny. I respectfully request that the Consumer Financial Protection Bureau ensure that this matter is reviewed appropriately and that my rights as a consumer are upheld. Sincerely,

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 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: CT

Complaint narrative:
I was dealing with an ill family member and missed a fire tax payment of {$450.00}. Planet sent me a letter to prove that it was paid. I also paid my property taxes in XX/XX/XXXX, for the year, so paid in full until XX/XX/XXXX. After speaking with Planet, they informed me to submit a letter requesting to remove the escrow balance because I pay my town directly. I sent that email on XX/XX/XXXX. When I called again after being notified that my XXXX payment would increase {$1000.00} monthly, Planet instructed me to send proof of paid taxes- I sent that in on XX/XX/XXXX via email as directed. The person I spoke with assured me that I would be notified once it was reviewed, reviewed my case and also acknowledged that if the missed payment for fire tax was {$450.00}, then that would be collected back by Planet- which made sense. That person also acknowledged that I have always paid my taxes directly to the town and should only have to pay principal plus interest, as noted in my mortgage documents when I first purchased the property in XX/XX/XXXX. On XX/XX/XXXX, I still had not received any communication from Planet and saw that I was still being billed a monthly mortgage payment {$1000.00} over my normal payment. I called Planet, spent close to an hour speaking with XXXX and two additional supervisors, XXXX and XXXX- they all said that my case had been reviewed on XX/XX/XXXX and that there would be no change- I was expected to pay $ XXXX to cover a negative escrow balance and bring my escrow account up. So rather than pay the {$450.00} difference, I now had to pay for taxes coming up for the year- taxes that I have always paid on my own to the town. I asked all three reps if I could have this reviewed because I paid my taxes in XX/XX/XXXX through XX/XX/XXXX, and they all said there's nothing that can be done. This could not be appealed even though the mortgage documents I signed all indicated that I would pay taxes on my own. They also said that this is how it's done, even they only paid {$450.00} on my behalf. They will charge me for the year in advance. When I asked why they did not communicate this before and why it contradicted what was said to me on XX/XX/XXXX, they couldn't explain it. I have spent countless hours with Planet as this has happened in the past and was able to to be resolved. When I call them, it's usually a good 45 min call at the minimum to get assistance, if you call on different days, the reps all give different information and not aligned and they don't follow up with email inquires to their customer service email that they provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
Close to a month ago, I contacted this company both by phone and now, by mailing them officially. They have yet to respond to my requests in spite of those efforts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOVERY ASSOCIATES , LLC Company Information : Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX, VA XXXX Phone : XXXX Account Information : Account XXXX : XXXX Bank XXXX XXXX XXXX XXXX Acct ending XXXX Balance : {$1000.00} Account XXXX : The Bank XXXX Missouri Acct ending XXXXXXXX Balance : {$1600.00} Complaint Narrative : I am a resident of XXXX, South Carolina. Portfolio Recovery Associates , LLC ( XXXX ) is attempting to collect XXXX alleged debts from me. I sent a written Demand for Accounting and Proof of Claim to PRA on XX/XX/year> via certified mail, demanding validation of both accounts pursuant to XXXX U.S.C. XXXX and FCRA XXXX. XXXX responded on XX/XX/year> but their response addressed ONLY the XXXX XX/XX/XXXX. They provided NO response whatsoever regarding the Bank XXXX Missouri account, despite both accounts being clearly identified in my original demand. I sent a Second Notice of Unsatisfied Demand on XX/XX/year> via certified mail, expressly noting XXXX 's failure to address the XX/XX/XXXXaccount and demanding a complete response to both accounts within XX/XX/XXXX days. XXXX finally respond with a letter dated XX/XX/year>, stating same account for the XXXX card, no response for the other account from XX/XX/XXXX Despite these unresolved disputes, PRA continues to report both accounts negatively on my XX/XX/XXXX credit report. Credit reporting while a written dispute is pending constitutes continued collection activity in violation of XXXX XXXX. XXXX ( b ). Furthermore, XXXX 's XX/XX/year> response to the XX/XX/XXXXaccount was a generic form letter that did not provide : ( XXXX ) a complete chain of title / bill of sale ; ( XXXX ) the original account agreement; ( XXXX ) complete payment and charge history ; ( XXXX ) proof of licensure to collect in South Carolina ; ( XXXX ) verification that the claim is not time-barred under SC XXXX XXXX. XXXX ; ( XXXX ) disclosure of the acquisition price vs. face balance ; or ( XXXX ) confirmation of the true party in interest. Specific violations : FDCPA XXXX ( b ) Failure to cease collection activity ( credit reporting ) while dispute pending FDCPA XXXX Failure to provide adequate debt validation after written dispute FDCPA XXXX Misrepresenting the character and status of debts FCRA XXXX Furnisher 's duty to investigate and report accurately FCRA XXXX Failure to conduct reasonable investigation of disputed information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
I am filing a complaint regarding the handling of a billing dispute by my debit card issuer. Fidelity Debit Card, Leader Bank and BNY Mellon Issue : Failure to properly investigate a dispute and failure to acknowledge or process submitted documentation. Background : I disputed a {$380.00} charge from XXXX XXXX dated XX/XX/year>. This charge was for an apartment application/lease-related fee. The apartment unit was materially misrepresented. Upon move-in, it became immediately clear that the building construction was so poor that normal living conditions were not possible due to extreme noise transmission between units. This condition was not disclosed prior to signing. We vacated the unit within hours of move-in. The apartment management acknowledged the issue and agreed to terminate the lease with no penalty. Despite this, my credit card issuer reversed the provisional credit, relying on the merchants claim of a no refund policy. Why this is improper : A no-refund policy does not apply where there is material misrepresentation or failure to provide the agreed-upon service. The product delivered did not match what was represented. Additionally, I submitted follow-up documentation explaining these facts and requested reconsideration. I have not received acknowledgment of receipt, nor confirmation that my documentation has been reviewed or added to the case file. Concerns : * Failure to conduct a reasonable investigation based on all relevant information * Reliance solely on merchant-provided documentation without addressing misrepresentation * Failure to acknowledge or process additional submitted evidence * Lack of communication regarding the status of my dispute Requested Resolution : * Confirmation that all submitted documentation has been received and included in the dispute file * A full reconsideration of the dispute based on material misrepresentation and merchant cancellation of the lease * A written explanation of how the investigation complies with applicable billing dispute requirements I am requesting that the issuer be required to properly review the evidence and respond. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation