vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I have a checking account, with Citizen Bank, my Account was overdrawn, On Monday the XXXX in the Amount of XXXX XXXX I made the deposit before the citizens peace of mind, overdraft expiration, which would have been before XXXX the XXXX. I talked to a representative XXXX who informed me that the XXXX $ fee would be waived, and for me to give it overnight to post. The next day I checked my Account and the overdraft fee, was still there, so I contact Citizens Customer service again, and Spoke with a Supervisor, he said Because the Account was still overdrawn by XXXX XXXX, he would not remove the XXXX overdraft fee. I feel extremely overwhelmed that Citizen Bank would Charge me XXXX $ for XXXX cent shortage, Also had XXXX not told me that the peace of mind feature state that any overdraft under XXXX $ would not have a fee at all. According to policy. That's was very misleading, and now my bills will, get rejected and cause me further hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to book a hotel reservation through XXXX using Afterpay as the payment method. Afterpay approved the transaction and processed a total charge of {$290.00}, structured into four installment payments. Immediately after booking, I received itinerary communications dated XX/XX/XXXX and XX/XX/year> ; however, no confirmed reservation was ever secured. Upon contacting the hotel property directly, I was informed that no reservation existed under my name, itinerary number, or booking details. I then contacted XXXX multiple times and was unable to obtain confirmation of a valid reservation. Their representatives could not locate any booking associated with my information or itinerary number. Despite this, the transaction remained active and was treated as valid. I escalated the matter to Afterpay, providing documentation showing that no reservation existed and that the service I was charged for was never delivered. Afterpay acknowledged the dispute but refused to resolve it, stating that they require written confirmation from XXXX, even though XXXX has failed to provide any such confirmation or acknowledge the error. As a result, I have been charged for a service that was never rendered and can not be verified by the merchant, while being placed in a cycle where each party defers responsibility to the other. Afterpay has already collected an initial installment of {$74.00} and continues to hold me responsible for the remaining balance, despite clear evidence that no service was provided. I have made multiple documented attempts to resolve this issue directly with both Afterpay and XXXX, including requests for written confirmation, proof of booking, and refund processing. Neither party has provided sufficient documentation to validate the charge or resolve the issue. This situation represents a failure to provide contracted services, improper billing, and a lack of reasonable dispute resolution. I am now seeking regulatory assistance because both companies have failed to correct an invalid transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. In XX/XX/2026, I discovered multiple fraudulent accounts on my credit report that were opened without my knowledge, authorization, or consent. These accounts include accounts with XXXX and XXXX XXXX, and any other accounts listed in my Identity Theft Report. I immediately filed a Federal Trade Commission Identity Theft Report and submitted disputes to the credit reporting agencies. XXXX removed or corrected similar fraudulent information ; however, Experian has refused to block and remove these accounts. I submitted a valid Identity Theft Report along with supporting documentation, including proof of identity and address. Despite this, Experian declined my request, stating that the request may be a misrepresentation or that I may have benefited from the accounts, which is incorrect. I did not open, authorize, use, or benefit from these accounts in any way. Experian has failed to properly apply the Fair Credit Reporting Act requirements regarding identity theft blocking.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
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 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I entered into a service agreement with XXXX XXXX XXXX for wireless/mobile phone service and paid for that service in good faith. I was unable to use my phone for the majority of the service period. My device was persistently stuck in " SOS mode, '' meaning it could only dial emergency services and had no functional cellular connectivity the core service I was contracted and paying for. During this period, I made repeated attempts to resolve the issue. I contacted AT & T 's corporate office directly and visited XXXX separate branch locations. At each point, XXXX XXXX XXXX staff refused to provide meaningful assistance or remediate the service failure. I was given no working solution despite multiple escalations. The situation became so severe that I was forced to leave my home and borrow another person 's phone simply to contact XXXX XXXX XXXX to report the problem a direct consequence of the SOS mode issue they refused to fix. After exhausting all reasonable attempts to obtain the service I was paying for, I terminated the relationship. XXXX XXXX XXXX is now reporting a negative account to the credit bureaus despite the fact that they materially failed to deliver the contracted service. I never had consistent, functional access to the services I was billed for. I am requesting that the CFPB investigate XXXXXX/XX/XXXX failure to deliver contracted services, their refusal to assist despite multiple contacts, and their subsequent negative credit reporting on an account where the breach of contract originated with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Complaint Against : Citibank , N.A . Product : Checking Account Issue : Account Closure / Funds Access / Unfair Account Restriction Complaint : I am submitting this complaint regarding the blocking and subsequent closure of my checking account by Citibank , N.A . On or about XX/XX/year> I initiated a transfer of approximately {$800000.00} into my Citibank checking account. These funds originated from my own account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ), held in my name. The transfer was a legitimate movement of my personal funds for the purpose of cash management and investment allocation with a Citi XXXX. Shortly after the deposit posted, Citibank blocked my account and restricted access to my funds. I promptly contacted Citibank and completed the requested verification steps, including identity verification. Despite this, I was later informed that Citibank made a decision to close my account. I was not provided with a clear or specific reason for this decision. At no point was I notified of any wrongdoing, nor was I given an opportunity to provide supporting documentation ( such as account statements from the sending institution ) to validate the source of funds. This situation has caused significant disruption, as I am currently unable to access a substantial amount of my own money in a timely manner. Key Points : - The {$800000.00} deposit was a legitimate transfer between accounts in my own name- I fully cooperated with all verification requests - No fraudulent activity occurred - No clear explanation for the closure decision was provided - I was not given a meaningful opportunity to submit documentation Requested Resolution : XXXX. Immediate review of the account closure decision XXXX. Reinstatement of my account, or at minimum removal of all restrictions pending proper review XXXX. If closure is upheld, expedited release of my funds via mailed check XXXX. Clear written explanation of the reason for the account closure I respectfully request that Citibank conduct a fair and reasonable review of this matter, taking into account that this was a legitimate transfer of my own funds and that I acted in good faith at all times. Sincerely, 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 non-monetary relief
Consumer complaint received 2026-04-23 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I recently got a new credit, I used it to purchase from a bagel shop on XX/XX/year> for the first time. On XX/XX/year> a purchase was made from a XXXX on XXXX XXXX. I did not make this purchase though the card was still in my possession. I have asked my bank if I can provide proof of my location that day to no avail or response. They have denied the claim XX/XX/XXXX despite if you look at my transaction history this is clearly out of line.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX someone ( unknown ) opened up an account somewhere. Then they transferred {$1000.00} from my XXXX account to the account they created. I found this out on XX/XX/XXXX when someone told me they sent me a large sum of money and I went to transfer it to my bank account. I called the police and they came to my home. We contacted XXXX. XXXX XXXX told me and the police it went to cash app. IT DID NOT we contacted cash app. I do NOT have a XXXX XXXX account or wallet. Then they sent a message it went to something called XXXX. They would not give me or the police the account number. They only gave us the last XXXX digits XXXX. We contacted XXXX. XXXX needs the entire account number. Or at least the first XXXX digits and last XXXX digits. XXXX would not cooperate. As of XX/XX/XXXX when them to return it to my account. They refused. I have put in a complaint with XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they deny they did anything wrong and call it a normal transfer. There was nothing normal about it. I don't carry a XXXX balance in XXXX and it was not my bank connected to this newly opened account.Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: PA

Complaint narrative:
I am a XXXX beneficiary in Pennsylvania, enrolled since XXXX. I visited the emergency room at XXXX XXXX XXXX in XXXX, New Jersey. At the time of my visit, I had active XXXX coverage, which should have covered the emergency services I received. A third-party medical group, XXXX XXXX XXXX , shared or sold my personal and medical information to a debt collection company called CASDA Capital Funding LLC , without my knowledge or consent, and without providing me with proper notice or a debt validation letter. CASDA Capital Funding LLC has contacted me and threatened to report this debt to the credit bureaus. I believe this violates my rights under Pennsylvania law ( which prohibits reporting medical debt to credit agencies ), the Fair Debt Collection Practices Act ( FDCPA ), and HIPAA, as my protected health information was shared with a third-party debt collector without proper authorization. I was never screened for XXXX coverage or financial assistance before this debt was sent to collections. I was never offered a payment plan, and I never received proper notice as required by law before collection activities began.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ACIMA CREDIT, LLC
State: HI

Complaint narrative:
Hi there, I had a lease that was taken out in my name, through Acima Leasing on ( XX/XX/year> ) for {$2000.00} for a XXXX purchase for an XXXX XXXX. I did not take out this loan, as someone stole my identity/personal information to open this account, so they would be able to obtain a service/item. My name, social security, date of birth, and email address was stolen and used to create the account and have a lease issued to them. Acima Leasing, did not use proper identification protocols and allowed the suspect to open the account under my name, without properly identifying that the person was even me and I even found soft credit inquiries, on my XXXX and credit reports from Acima Leasing, that wasnt even issued by me. I contacted Acima Leasing, and sent them a picture of my police report number, etc and they requested that a complete police report be sent to them. By law, it is confidential for police reports to be released if case is active and ongoing. The case isnt closed yet, as far as I know, so I dont think its necessary to obtain a report or even be allowed to release a report, since its an active case! I also filed an FTC Identity Theft report and had to freeze my credit and place a fraud alert. My account with Acima Leasing is still active and open, since they refuse to close it requesting the complete police report be sent, even though I did not open this account or allow permission to have this account be opened using my stolen identity. I have called multiple times and no one seems to care or have assisted me in closing this account, even though I did not open it and Acima failed in multiple ways to properly identity that the person was even me to begin with, that is opening the account. I have emailed the fraud department numerous time, and they havent been responsive and lacked the help I needed. The fraud department doesnt even have a personal number to call, just an email which is fishy to begin with. I have had numerous emails from Acima, with multiple lease requests from unknown sources, as I did not inquire about any loans recently through them at all. I was emailing them about the lease, before it was formally issued since I was getting emails about inquiries and about an initial payment being taken out. They still didnt listen to my complaints and issued the lease even though I did contact them, about identity theft and that I did not sign up for any lease on my end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
In XXXX XX/XX/XXXX I submitted an application for mortgage assistance to SPS. On XX/XX/XXXX, I received a letter offering a repayment plan as the only option for home retention with payments to begin in XX/XX/XXXX. Payments were made according to the repayment plan for XXXX and XX/XX/XXXX. After learning that my loan may qualify for a XXXX XXXX Payment Deferral, I sent a letter on XX/XX/XXXX, to SPS requesting that SPS evaluate my loan for a XXXX XXXX XXXX XXXX under the XXXX XXXX lost mitigation waterfall, that SPS provide specific results of that evaluation, and if SPS determines that my loan is not eligible for Payment Deferral, to provide specific servicing guide provisions or eligibility requirements that prevents approval. I made it clear that I was prepared to resume making my regular monthly payment immediately and asked SPS to work with me to resolve the existing arrears through the XXXX XXXX XXXX XXXX option. I received a letter dated XX/XX/XXXX, stating that a XXXX XXXX could not be offered but no specific XXXX XXXX provision or eligibility requirement was given as to the reason for ineligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai XXXX was calling me over XXXX times a day for a payment of {$820.00} and I told them that was harassment to call me so many times during a work day which was interrupting my work schedule as well as taking care of my disable son at home in the evening. After I stated that was harassment the next day there was a negative late payment mark added to my personal credit which has interfered with my daily living affecting my XXXX XXXX I have to utilize to take care of my XXXXXXXX XXXX XXXXnd my daily living. I called Hyundai XXXX to resolve the issue and was told my payment of {$820.00} was reverse by XXXX XXXX who Ive been processing my payments through for the last 3 years with NO PROBLEM until I told Hyundai the XXXX plus calls is harassing Hyundai XXXX asked did I get a credit back to my account for XXXX payment and I told them no and the Representative told me to dispute the negative remark on my credit and they would remove the negative remark and they did not. They have done the same thing again for XXXX and I need the false negative reporting removed and updated on my credit immediately.

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 2026-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I sent a formal debt validation request to First Federal Credit Control XXXX XXXX via certified mail on XX/XX/year>. XXXX tracking confirms delivery on XX/XX/year>. The company failed to provide proper validation. Their prior response only included a brief cover letter and did not include an itemized statement, proof of assignment, or documentation of their authority to collect. I sent a second formal written dispute and validation demand, which was ignored. The account continues to be actively reported and was updated as recently as XX/XX/year>, despite the company failing to properly validate the debt and failing to respond to a certified written dispute. The company has failed to adequately validate this debt and has ignored a certified written dispute. Continued reporting without proper validation is disputed. I request deletion of this account from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NC

Complaint narrative:
CFPB COMPLAINT DRAFT Category : Prepaid Card Direct Express ( Comerica Bank ) Issue : Improper dispute handling / Regulation E violations What happened I am filing a complaint against Direct Express ( Comerica Bank ) for violating the Electronic Fund Transfer Act ( EFTA ) and Regulation E during the handling of my dispute and appeal. I disputed a transaction for a service that was never provided. I submitted evidence including the payment receipt, screenshots, and proof that the merchant was using two different account names to avoid responsibility. Direct Express denied my dispute and then denied my appeal by claiming they need the merchants refund policy. This is an unlawful requirement. Under Regulation E, the bank is required to conduct its own investigation and can not require the consumer to obtain documents from the merchant. The CFPBs lawsuit against Comerica ( filed XX/XX/year> ) specifically accused Comerica of failing to properly investigate disputes, shifting the burden onto cardholders, and impeding dispute resolution. Direct Express is repeating the same misconduct in my case. Direct Express violated Regulation E by : - Refusing to investigate unless I obtained a refund policy from the merchant - Shifting the burden of investigation onto me- Denying my appeal without conducting a proper reinvestigation - Ignoring the evidence I provided - Failing to contact the merchant themselves, as required The CFPB has already documented that Comerica repeatedly failed to investigate account errors and mishandled disputes for Direct Express cardholders. Their denial of my appeal based on refund policy is a direct violation of federal law and matches the same pattern of misconduct described in the CFPBs complaint. I am requesting that the CFPB require Comerica/Direct Express to : 1. Reopen and properly reinvestigate my dispute under Regulation E 2. Stop requiring consumers to obtain merchant documents 3. Provide a written explanation compliant with EFTA 4. Issue a provisional or final credit if the merchant can not prove the transaction was valid I depend on my federal benefits, and Direct Express refusal to follow the law has caused financial harm and hardship.

Company response to consumer: Closed with monetary relief