vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi Bank has failed to provide statement credit for a transaction that gave me food poisoning at " 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 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I would like a proper investigation to be done in a timely manner. Ive reached out several times regarding a dispute that I have filed that was not properly investigated. Disputes are not being handled properly by credit bureau.

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 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Lincoln Automotive Financial Services misapplied my trade-in and illegally inflated the amount financed on my retail installment contract in violation of the Truth in Lending Act ( TILA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I attempted to send {$100.00} via XXXX from my SoFi checking account. The first attempt immediately returned an error message and produced no confirmation or completed XXXX transaction. 

I verified that no funds had been debited. 

I then submitted the XXXX payment a second time, which processed successfully. I received the standard XXXX confirmation text, and my XXXX activity shows only XXXX completed transaction. 

Later that evening, my SoFi checking account reflected TWO {$100.00} debits totaling {$210.00}, despite only one successful XXXX payment. 

On XX/XX/XXXX, a SoFi Account Manager ( XXXX ) reviewed my account and confirmed that the first attempt displayed as an error and should not have been debited. He acknowledged this was a SoFi system issue. 

Despite this internal confirmation and clear evidence ( XXXX history showing one transaction and checking account showing two debits ), SoFi denied my dispute and closed the claim.

SoFi has failed to reverse the erroneous duplicate debit and has refused proper dispute resolution. 

I am requesting CFPB assistance to require SoFi Bank to : XXXX. Reverse the duplicate {$100.00} debit XXXX. Correct their dispute handling XXXX. Provide written explanation of the system error Supporting screenshots have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
" I am seeking a permanent reversal of both unauthorized charges of {$200.00} ( totaling {$400.00} ) made by XXXX XXXX ' on XX/XX/year>. As the banks own investigation indicates a geographic discrepancy in IP addresses and unauthorized ticket printing, Below is the statement that send. 

Subject : Formal Dispute of Unauthorized Charges - JetBlue Card Account XXXX To Whom It May Concern : ID # XXXX Case # XXXX I am writing to formally dispute XXXX unauthorized charges on my JetBlue Credit Card account XXXX XXXX, which I believe are the result of identity theft and fraud. I did not authorize these transactions, and I request that you investigate and permanently remove these items from my account. 
The basis of my dispute is that the purchases were unauthorized. As confirmed by your investigations department, the purchase and delivery methods were for tickets printed at home by an unknown party. 
I have evidence demonstrating that this transaction did not originate from me : 1. The IP address used to complete the purchase and print the tickets was XXXX, which is located in New York ( XXXX ). 
2. My actual IP address is XXXX, and my address is, XXXX ( XXXX XXXX ), XXXX, located on XXXX XXXX, which is a significant geographic discrepancy. 
I have enclosed a copy of my IP address information and request that you compare this with the internal documentation already received regarding Case # XXXX. 
Under the Fair Credit Billing Act, I request a full investigation and provisional credit for the disputed amount. 
Please contact me if you require further information. I look forward to your prompt attention to this serious matter. 
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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Just want to copy and paste Complaint Narrative : I am filing this complaint regarding an account takeover, an unauthorized internal transfer, and a subsequent fraudulently induced payment that my bank has refused to reimburse. 

A third party gained unauthorized access to my bank account and moved funds from my savings account into my checking account without my knowledge or consent. I did not initiate or authorize this internal transfer. 

Shortly afterward, I received a phone call from a number that spoofed my banks official phone number and caller ID. The caller falsely claimed to be my banks fraud department and told me my account had been compromised. I was instructed to send back money to reverse fraudulent activity. Believing I was speaking with my bank, I followed those instructions. 

At the time, I believed my checking account had no available funds and would not allow a transfer. I later learned that the fraudsters had already moved my savings funds into checking, which enabled the payment. 

Despite this, my bank has denied my claim, stating that because I authorized the payment, the events that occurred before it do not matter. This position ignores the unauthorized internal transfer and the fact that my payment was induced through deception by criminals impersonating the bank. 

This was not a voluntary or informed authorization. My actions occurred only after : My account was compromised Funds were transferred internally without authorization I was deceived by a spoofed bank phone number and false representations The internal transfer itself is an unauthorized electronic funds transfer under Regulation E and should have been investigated independently. My bank has failed to provide evidence that this transfer was authorized by me, including device, IP, or authentication records. 

I am requesting : XXXXA proper Regulation E investigation into the unauthorized savings-to-checking transfer XXXX.Review of device/IP/login logs related to the account takeover XXXXReconsideration of reimbursement for the induced payment that resulted directly from the unauthorized activity XXXXA written explanation citing the specific regulatory basis for denial My banks refusal appears to rely on an overly narrow interpretation of authorization that does not account for deception, impersonation, or prior unauthorized activity.

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 2026-01-30 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: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT THIS HAS BEEN PROVING TO THIS VERY COMPANY JEFFERSON CAPITAL SYSTEMS LLC. THEY CONTINUE TO HARASS ME ABOUT AN ACCOUNT THAT WAS OPEN FRAUDULENTLY IN MY NAME. THEY CONTINUE TO PLACE THESE FRAUD ACCOUNT ON MY CREDIT REPORT. THIS IS VERY EXAUSTING. I HAVE TAKEN ALL THE PROPER STEPS TO PREVENT IDENTITY THEFT FROM HAPPINING AGAIN ( CREDIT MONITORING AND FREEZING ) OF MY CREDIT REPORTS AND YET IM STILL BEING VICTIMIZE BY THIS VERY SAME COMPANY OVER AND OVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Dear Sir/Madam, I have Target XXXX XXXX where payment due was {$130.00}. While using online bill pay from my bank amount transferred was {$13000.00} on XX/XX/year>. I found out this on XX/XX/XXXX when my bank called me stating overdraft fees will be charged. I understand that this was mistake on my part. I called Target on XX/XX/year> and requested refund of remaining amount of {$13000.00}. They said that they will send me a check in a weeks time. Today on XX/XX/XXXX when I called them back they said they have not approved it. When I ask them why, they have no answer and are asking me to call back after 7 days. It's been almost 20 days that there is no response from their end on why the amount is not being refunded. When I ask for a manager from Target XXXX XXXX at XXXX, they tell me there is no manager that I can talk to. 

Regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I called Citizens Bank on XX/XX/XXXX via their XXXX phone number to understand why the variable rate on my HELOC was not updated to reflect the prime rate + XXXX % as it should be. I have my payment due on XX/XX/XXXX and I am still paying on the prior rate without reflecting XXXX prime rate changes. The agent kept telling that the cycle closed on XX/XX/XXXX but started in XXXX so I am not entitled yet to the most recent prime rate changes. I asked to understand where is this information published or reflected in the statement as disclosure, and they did not point me to any section in the statement that mentions the exact date of variable rate changes after a prime rate change. I checked on their page and found the following link : https : XXXX There is nowhere stated that I need to wait certain number of days/months/cycle periods before I am entitled to the most recent prime rate changes. I find this confusing and causing financial harm. I should not be charged higher interest for a cycle that started later than the most recent changes. If sometimes this takes longer, banks should publish such details and disclose correctly. I believe I am entitled to an interest charge reversal for any days of interest charge corresponding at a minimum to the balance for XXXX XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX claimed to have validated a debt that I owe them from CitiBank N.A. Double Cash. XXXX XXXX XXXX knows this is not verification of a debt and would not uphold in court. XXXX XXXX XXXX continues to use deceptive practices in attempt to collect this debt which has lead me to file my own lawsuit. Consider this your notice of the lawsuit. I will also be sending this lawsuit certified mail to your registered agent. See you in court.

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 2026-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
THIS COMPANY HAS CONTINUED TO DISCRIMINATE AGAINST ME, BY DENYING ME THIS SERVICES.I HAVE FILLED COMPLAINTS BEFORE AND STILL HAVENT GOTTEN ANY RESULTS.

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 2026-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Lennar Financial Services, LLC
State: NC

Complaint narrative:
Issue : Problem with closing on a mortgage Unexpected denial after approval / Closing Disclosure issued Credit decision based on inaccurate or inconsistent information I am filing a complaint regarding a postClosing Disclosure mortgage denial by Lennar Mortgage , LLC that appears to violate federal mortgage disclosure and credit decision requirements. 

I was pre-approved for a mortgage loan in XX/XX/XXXX. At the time of application, I fully disclosed that my prior mortgage was in a forbearance program related to a government shutdown. All documentation was provided and reviewed by underwriting. 

On XX/XX/XXXX, Lennar Mortgage issued a Closing Disclosure, reflecting finalized loan terms, cash to close, escrow calculations, and approval to proceed toward a scheduled closing on XX/XX/XXXX. I relied on this disclosure in continuing the transaction. 

On XX/XX/XXXX after the Closing Disclosure was issued Lennar Mortgage informed me that the loan was denied. I was initially told verbally that the denial was due to the forbearance. I was then told the denial was due to alleged late fees on my prior mortgage. 

That same day, Lennar Mortgage issued an Adverse Action Notice citing delinquent past or present credit obligations with others and stating the decision was based on credit bureau information from XXXX XXXX and XXXX 

However, the credit information relied upon in the Adverse Action Notice pre-existed the Closing Disclosure. There was no new credit event, no change in employment, income, assets, liabilities, or credit profile between XX/XX/XXXX and XX/XX/XXXX that would justify withdrawing approval after disclosure. 

Additionally, another lender has since pulled my credit report and confirmed that no mortgage late payments or late fees appear on my credit report, directly contradicting the basis cited by Lennar Mortgage. 

The denial reasons provided verbally and in writing have been inconsistent, and the timing strongly suggests that Lennar Mortgage issued a Closing Disclosure before completing proper underwriting, then attempted to retroactively justify the denial using pre-existing or inaccurately interpreted information. 

I believe this conduct represents a failure to follow proper mortgage disclosure procedures and may constitute an inaccurate or inconsistent credit decision under federal law.

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 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
: i do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have been at the same address for years now & havent moved! I am needing this to be removed off of my credit account as it is fraudulent. Ive had an account freeze since last 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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NH

Complaint narrative:
I tried to schedule a payment through the Fifth Third website to pay down my credit card, and apparently clicked on the wrong thing when trying to make the payment. I have a confirmation that it was scheduled, but it looks like the transaction was going from credit card to bank account instead of the other way. The transaction failed on the day it was scheduled for, but I never got any notification of it even though I have text alerts set up for every option that they offer. The following week I received a statement showing a past due balance and interest of {$150.00} applied. I immediately went on and made the payment the same day, and contacted the bank to explain the situation and that if I would have been notified that the transfer failed I could have went on and made another payment as it wasn't due for another 3 days after the transaction failed. After a week of waiting to hear back, I called again and they said there is nothing they can do about it. Also, the unpaid balance was {$2900.00}, which means that the interest rate charged was roughly a staggering 65 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am disputing TD Bank USAs response. TD Bank failed to provide documentatio
n substantiating the accuracy of the Nordstrom charge-off being furnished to Experian. Their response did not include : Verification of the Date of First Delinquency ( DOFD ) Proof of proper postcharge-off balance reporting Metro 2 status codes and payment fields used to verify the account Reporting a charge-off while continuing to reflect an active balance or delinquency information constitutes double reporting, which violates Metro 2 standards and FCRA 607 ( b ).

A conclusory response without documentation does not meet TD Banks obligations under FCRA 623 ( b ). If TD Bank can not substantiate this tradeline with contemporaneous business records, it must be deleted from Experian.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, a transaction occurred on my Cash App account that I is unauthorized. I noticed the issue on and contacted Cash App support to dispute the transaction. I provided all requested information, but Cash App has not resolved the dispute or issued a refund. 

I am requesting CFPB assistance to have Cash App fully refund the disputed transaction and correct my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am disputed two XXXX transactions with Capital One for failure to provide service as agreed. I contacted XXXX directly, my complaint was escalated to a specialist, reviewed internally, and my refund request was formally denied. I provided Capital One with screenshots proving merchant contact and refund denial.

Despite this, Capital One closed my disputes in favor of the merchant, stating they could not proceed without proof that I attempted to resolve the issue with the merchant. This statement is incorrect. Card network rules do not require a merchant to approve a refund in order for a dispute to proceed, only that the customer attempted resolution, which I clearly did. 
Capital One failed to conduct an independent investigation and improperly relied on the merchants refusal and internal policy rather than applying the correct XXXX dispute reason code. Denying my dispute solely because the merchant refused a refund is improper and inconsistent with billing dispute standards under the Fair Credit Billing Act.

I am requesting that Capital One reopen my dispute, apply the correct XXXX reason code, and complete a proper investigation based on the evidence already provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHECKredi of Kentucky, LLC
State: MA

Complaint narrative:
CheckRedi, based out of Kentucky, sent an email stating I owed {$140.00}. I called the company to dispute the amount as instructed in the email. The first collector I spoke to refused to acknowledge the dispute and told me to dispute it with the merchant which I agreed to do. The email also stated that during the dispute collection efforts would cease and no money would be collected, when I asked to confirm that I was told that wasn't the case and they had already resubmitted the amount to my bank for payment. After much back and forth, which included me reading their email verbatim, I was transferred to her superior. 
At this time XXXX XXXX, began telling me that he personally denied the dispute and collection was moving forward. When I expressed my concern about the potential for fraudulent charges being involved, as it was XXXX transactions almost simultaneously, he began to ask question about my PIN number for my card, use of my phone etc. I told him I was uncomfortable with the questions as he was not a detective or police and he continued to pry into my personal financial matters. I again read him the email stating collection would stop during a dispute and he repeated that the dispute was denied by virtue of him not believing me..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation