vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Unauthorized Transaction / Fraud Claim Handling Company : Bank of America Product : Checking Account / Debit Card Issue : Unauthorized transaction and improper denial of fraud claim I am submitting this complaint regarding an unauthorized transaction and the subsequent handling of my fraud claim by Bank of America. On XX/XX/year>, my account was compromised. My last authorized transaction was a {$25.00} gas purchase at XXXX ( # XXXX ), located at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using the pay-at-the-pump feature. Shortly after, I received a fraud alert via text message and a follow-up phone call. Upon reviewing my account, I discovered that my entire account balance of {$1200.00} had been transferred to XXXX XXXX via XXXX XXXX. I did not authorize this transaction, did not initiate it, and did not benefit from it. I do not use XXXX XXXX or XXXX XXXX, and the phone number or destination associated with this transaction is not XXXX that I have enabled or used for such payments, making this activity inconsistent with my normal banking behavior. I immediately contacted Bank of Americas fraud department on the same day and reported the transaction. I took prompt action to secure my account, including requesting a new debit card, enabling all fraud alerts, and disabling XXXX XXXX. I also attempted to contact XXXX and restricted XXXX XXXX access. On XX/XX/year>, I filed a formal police report with the XXXX XXXX XXXX XXXX Police Department ( Report # XXXX ). On XX/XX/year>, Bank of America issued a temporary credit in the amount of {$1200.00}. From XX/XX/XXXX through XX/XX/XXXX, my account activity remained normal with no additional suspicious transactions. On XX/XX/year>, I was notified that my claim was denied due to insufficient documentation. I contacted the bank and was informed that I am eligible to submit a reconsideration. I have since submitted a police report, transaction timeline, and a detailed written explanation. Despite my prompt reporting, supporting documentation, and clear evidence that this transaction was unauthorized and inconsistent with my account history, my claim was denied without sufficient explanation of the basis for that decision.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Unlawful Denial of Access to Funds and Grossly Deficient Verification Protocols I am a long-standing Citibank customer XXXX over XXXX years ( AAdvantage Cardholder ) with an excellent credit history. I am currently facing extreme financial hardship because Citibank has frozen my newly opened checking account and frequently my long-term credit card while I am residing in XXXX, XXXX. XXXX. Failure of Security Protocol : After speaking with a representative, XXXX, on XX/XX/year>, I spoke with an account XXXX, XXXX, in the XXXX Department. Despite providing my Social Security Number and XXXX Driver 's License details, I was denied access to my funds based on " Knowledge-Based Authentication '' questions regarding an ex-daughter-in-law, who I know, but has not been in my life for over XXXX years. Relying on outdated, XXXX third-party data to override primary government identification is a gross failure of banking security standards. I have given them everything they have requested on several occasions XXXX. Physically Impossible Resolution : The bank 's only offered solution is to " wait for a letter in the mail. '' I have informed Citibank multiple times that I am in XXXX and can not receive XXXX mail. Refusing to provide a digital or manual verification override for a verified, long-term customer constitutes a total denial of banking services. XXXX. XXXX XXXX : I opened this checking account specifically to pay my international rent and living expenses. Because of these unreasonable holds, I am currently unable to pay my landlord or my bills, which is causing immediate and severe consequences. ________________________________________

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 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I have had the same cell phone number for XXXX years. This account per the creditor was opened in XXXX and was never approved and I did not know anything about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence resource management is claiming I owe them a debt I disputed through XXXX, not only did they not verify that I owe the debt they gave credence my updated information, Im still yet to receive any evidence of me owing this debt, Im insisting it be removed immediately as they are reporting negatively on my XXXX report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DigniFi
State: NV

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 2026-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
Sign for my XXXX XXXX XXXX a XXXX XXXX XXXX. iXXXX XXXX XXXXnd now I am going through a lot and I can not afford to help her pay for this car. I can not afford to have this car on my credit. She continue to miss payments and right now. I just really need it off my credit report She misses a payment and it misses my credit up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have an ongoing dispute with Paypal Synchrony Bank. They claim I have an account which I was delinquent on and failed to make payments. They never properly sent me any bill or notices in a timely manner. It has recently been written off and sold to a collections agency. I submitted payment in full to them payment and they refused the payment. This unlawful refusal should act as accord and satisfaction of the claimed debt. Their failure to accept this tender offer has led Synchrony Bank to injure me as a result because of the damage to my credit. I have the registered mail receipt of these refused payments. Furthermore, they refuse to provide me a copy of the agreement they claim I entered with them. They refused to accept my payments. They failed to properly communicate with me, and they have injured my credit reports.

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 2026-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I refinanced my private student loans through SoFi. SoFi was also the lender of the loan that I was refinancing. On XX/XX/XXXX, my loan was disbursed. As stated in my loan contract, each payment was due on the XXXX of each month, beginning on XX/XX/year>. I also had autopay set up to get 0.25 % off of my interest rate. I had a denied request to autopay my payment, and somehow my autopay was XXXX, so now my interest has also gone up for the following payments I am about to outline. On XX/XX/year>, I called SoFi customer service to inquire as to why I was unable to make a payment and my account reflected {$0.00} instead of the amount of the student loan debt. During this time, I was UNABLE to make a payment because SoFi 's own user interface would not let me submit payments on a {$0.00} balance. When I spoke to the representative on XX/XX/XXXX, she told me that the account was in some type of administrative forbearance due to a clerical error on their end. I then asked if I would be responsible for backpay or any accumulation of interest while they sort the issue. She assured me that I would not have to backpay and that my payments would resume as normal starting with the next due date after they finish processing this error. Fast forward to XX/XX/XXXX, I get notified that my account is 43 days past due and I owe {$4000.00} on XX/XX/XXXX ( {$1300.00} is my monthly payment before my 0.25 % discount for autopay however these are back-payment requests from XXXX ). When I called to dispute this ( XX/XX/year> ), they told me there was nothing they could do and that I needed to come up with the money in time. They could dispute credit reports if it got to that, but I still needed to back pay them this month. Upon my research in my contract, and in general regulations on loans like this, when an account goes into any type of administrative forbearance, it is my understanding that the borrower should not be required to make back-payments or be subject to accumulation of interests. After trying to escalate, the company tried once again to get me to backpay to which I told them I would be in contact with CFPB before I did anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I signed up for Capital One XXXX credit card and qualified for {$300.00} travel credit. Under the terms of the promotion, I was entitled to receive a full {$300.00} travel credit that can be used for making any reservations in Capital One travel. However, when I tried to redeem my {$300.00} travel credit, I am unable to make a new flight reservation using the available travel credit as payment and the {$300.00} " travel credit '' shows up as {$300.00} " stays credit ''. I did not agree to the restriction and was not aware of the change made without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 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: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
I tried paying my bill as normal with my debit card and couldn't where toal visa I believe is doing illegal corruption and framing and going by some detective illegal orders which I talked with XXXX on XXXX XXXX which he illegally came up with some false information. Than today XXXX XXXX I talked with XXXX at XXXXXXXX XXXX a supervisor that lied and illegally sent a passcode to my phone when I was already verified which someone may have reset my password on line illegally and may have illegally edited my middle initial than I talked to XXXX at XXXX a supervisor that couldn't come up with anything at all which the calls are recorded and I told them that the real FBI can get the recordings legally if they are doing corruption and framing also I talked to XXXX which she lied said the card was restricted than said no also said she couldn't tell me my payment history at XXXX XXXX XXXX which I also called back and than another representative came up with illegally saying collecting a debt which was fraud I believe as if XXXX has a real investigation and don't and was illegally recruited by the XXXX XXXX and XXXX police and detective illegally also to do illegal scams like on XXXX XXXX also scams on the real federal social security administration about representatives stuff like they did with another credit card company XXXX XXXX XXXXXXXX which did illegal framing and corruptions and lies on a secure credit card and now this company which I told them it's a real FBI investigation and XXXX police and detective and local other police are not the real FBI and I'm not under any investigation this XXXXXXXX XXXX XXXX XXXX XXXX and XXXX police and detective illegally came up with also they supposed to have stolen a federal agency thing they have no authorization to use at all and maybe telling this company to use it or something illegally to do framing and corruptions and lies and they don't know nothing about me at all or others..

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX RE : Formal Complaint Advertised Credit Card Offer Not Honored Account XXXX To Whom It May Concern : THE OFFER While booking a flight on XXXX XXXX XXXX XXXX XXXX, a Chase credit card offer appeared stating I would receive a {$300.00} statement credit upon approval. I accepted the offer, was approved, and completed the required purchase. I have a screenshot of the offer as it appeared on the XXXX XXXX website at the time of application. THE PROBLEM My statement reflects only a {$200.00} credit {$100.00} short of the advertised offer. MY ATTEMPTS TO RESOLVE THIS I have made repeated good-faith attempts to resolve this directly with Chase over the past month, including : Multiple phone calls front-line staff unable to resolve, referred elsewhere Messages through Chases secure message center no substantive response Emails to Chase XXXX offices delivered XXXX no acknowledgment or reply In-person visit to a Chase branch branch XXXX intervened, escalated to Chase/Southwest liaison team, told to expect resolution in XXXX XXXX days XXXX follow-up call from Chase mid-week stating were working on it nothing since WHAT I AM REQUESTING Chase honor the advertised {$300.00} credit as documented in my screenshot. The offer was clear. I accepted it in good faith. I have the documentation to prove it. I am prepared to submit my screenshot and all correspondence records upon request. Respectfully, XXXX XXXX XXXX XXXX Chase XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kovo
State: NY

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my account. The reported information contains errors that do not accurately reflect my payment history. I have been a responsible payer, and the negative remarks on my account are incorrect. Under 15 U.S. Code 1666b, creditors are required to promptly correct billing errors. Additionally, under 15 U.S.C. 1681i ( 7 ), I am entitled to a full description of the reinvestigation procedure conducted regarding my dispute. As a consumer, I request to know all the steps the agency took to ensure the accuracy of the reported information before it was added to my credit report. Despite my efforts to dispute this matter directly with the reporting agency, I have not received adequate verification or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I used my XXXX XXXX XXXX XXXX issued by Barclay Bank for a cash transaction in which I was issued a PIN number as the card allows you to withdraw cash. The next day I paid off the balance of {$1000.00} for the transaction. The fraud department then told me that I had to fax them a full month of bank statements that included my account numbers, front and back of my driver 's license, front and back of my social security card. I told them I did not feel safe faxing the information and that I would just close the account because it was paid off anyway. I was told that I could not close the account until I give them the information. On XX/XX/26 I faxed the documents from the local XXXX store. I followed up a few days later only to be told that the fax number I was given by the staff member was not the right fax number and the Manager apologized. Then on XX/XX/26 I faxed the information and followed up and was told that they could not clearly read my drivers license and that I needed to fax it again. On XX/XX/26 I again faxed the drivers license and social security card and when I followed up on this I was told that they could not read the social security numbers. I have 7 phone calls to Barclay Bank. Now I am mailing the documents to a post office box that their Supervisor ( XXXX XXXX XXXX ) provided me the address for and stated they have know way of knowing if the documents arrive. They have very unsafe practices for personal information.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a call showing XXXX as the id and had a XXXX phone #. His name was XXXX XXXX. After the ldropping he used a different #. XXXX. Said he was XXXX XXXX. Told me my account was trying to be broken into by a XXXX transfer. And I need to return the money for it not to happen. Did all the usual bank type questions. Sent a confirmation # for me to read back. Also asked if my son had a account and would have someone call him and check. The other person got my son to send the money thru cash app. My guy told me I had to send XXXX XXXX amounts. But this is before someone else contacted my son. My guy told me my account was fine after a XXXX check and just needed to return the money. I did see XXXX in my account that I did not have. And he had me open and close my account a couple.of times. Informed me my account wouldnt be affected. So i sent XXXX {$2500.00} payments to my daughter. We got her on the line with us and found she couldnt get in because it was a long time and couldnt remember the phone # she had for the account. So she got off the line called cash app. They told her she was permanently locked out. So he attempted to get the money another way and it failed. Made a appointment for me the next day and asked me to try and not go on my bank account. So I called the # he gave me and hung up. He called right back and asked if I needed anything or had any questions. At that point I thought this was a scam. Contacted the bank and let them.know they got my son 's money and think they transfered the XXXX from his account to mine. So they could get the money. So I put in a dispute that day XXXX XXXX that was denied informed on XXXX. Did the exact same thing with cash app. Put in another on the XXXX with pics if the bank money sent, Cash app receiving XXXX of the XXXX message. And now as of the XXXX of XXXX both denied again. Cash app says a message was sent but I checked all my XXXX mail and nothing. This is twice they said this and I never received a message. It the only XXXX mail address I use. They pulled the oh maybe its a old XXXX mail. Nope. My daughter has chatted and called and has gotten no place. Is time she was told she was permanently locked out. I contact the every couple days they give me a list of things for my daughter to do. None work. And if she calls she told me they just keep transfering her. So XXXX dollars just sitting .. not to include my bank took XXXX XXXX from my checking account on the XXXX of XXXX putting it in negatives. Also removed XXXX from my son 's checking to his savings as a solution. On the XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OK

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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