vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 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: FISERV FINXACT CORE
State: NJ

Complaint narrative:
On XX/XX/XXXX, our business ( DBA : XXXX XXXX, Merchant ID : XXXX ) processed XXXX ( XXXX ) customer credit card transactions totaling {$7900.00} using our XXXX terminal. Each and every transaction was successfully approved, and valid Authorization Codes and XXXX XXXX were generated through First Data/Fiserv 's network. However, First Data/Fiserv ultimately settled only XXXX ( XXXX ) transactions. The remaining XXXX ( XXXX ) authorized transactions, totaling approximately {$7000.00}, were never credited to our settlement bank account. Immediately after the incident, our registered XXXX agent, XXXX XXXX XXXX, acted on our behalf to fix this discrepancy. XXXX officially opened a formal support ticket ( XXXX XXXX. XXXX ) with First Data and provided comprehensive technical evidence, including full transaction raw logs, approval codes, and POS records, proving that the transactions successfully hit First Data 's host network. Furthermore, our legal counsel served a formal Final Pre-Suit Demand Letter to First Data XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX. Despite these extensive efforts and clear electronic proof provided over the past XXXX months, First Data/Fiserv has completely failed to resolve the issue. They have continuously given us a generic response claiming 'no record found ' without performing a proper back-end network audit or checking their internal suspense accounts/unclaimed property logs. First Data/Fiserv is unlawfully withholding our hard-earned business funds. We request that First Data/Fiserv be ordered to conduct a thorough forensic trace on the provided XXXX XXXX and immediately remit the missing funds to our business.

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 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
Consumer Financial Protection Bureau Complaint I am submitting this complaint regarding Capital Ones handling of a dispute involving a debit card transaction in the amount of {$740.00} associated with Case XXXX. The disputed transaction was part of a larger wedding gown purchase totaling {$2400.00} that was split across XXXX payment methods : * {$1700.00} charged to a Capital One credit card * {$740.00} charged to a Capital One debit card The merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to retain both : 1. the disputed {$740.00} payment, and 2. the wedding gown itself. The gown has never been released to me, removed from the merchants possession, or delivered into my possession at any point. I provided Capital One with supporting documentation, including : * purchase documentation, * merchant correspondence, * proof that the gown remains in the merchants possession, and * written attempts to resolve the matter directly with the merchant. Despite this, Capital One denied the dispute and did not adequately address the unresolved issue that the merchant continues to retain both the merchandise and the disputed funds simultaneously. This complaint is not based on dissatisfaction with the product or buyers remorse. The unresolved issue is that the transaction was never fully completed because the merchant retained both the merchandise and the remaining disputed payment amount. I respectfully request review of Capital Ones dispute handling and reconsideration of the unresolved debit card transaction. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Reliable Credit Association, Inc.
State: ID

Complaint narrative:
Contacted reliable credit today XX/XX/year> and let them know I noticed it said cash payment as I re went through my paperwork. What was discussed with me at signing was this is for my trade in vehicle. I never gave them cash so that is false in the documentation that I was not provided written disclosure to what it actually meant. Reliable credit then contacted the dealer XXXX XXXX XXXX in XXXX Idaho and talked to the same person who sold me the vehicle about this evidence I brought to their attention and his response was that he apologized and wont do it again. And that was the end of the conversation with no remedy to what they are going to do other than staying thats just what dealers do sometimes.

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 monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I paid the yearly insurance myself for the whole year a couple of months ago and the property taxes are in the {$2000.00} to {$2500.00} range for me because of my age.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
On XX/XX/year> I was deceived into sending {$300.00} via XXXX to a scammer who falsely represented themselves as a legitimate dumpster rental business through a XXXX advertisement. This is a XXXX XXXX XXXX Scam involving Deceptive Inducement. I filed a fraud claim with Citizens Bank claim number XXXX. Citizens Bank denied my claim. I explained this was a XXXX XXXX XXXX Scam and they reopened a second claim which they also denied. I have an active police report with XXXX XXXX XXXX case number XXXX. I also have FBI Internet Crime Complaint Center case XXXX and FTC report XXXX confirming this was a fraud and scam event. Citizens Bank is not following their own scam reimbursement policy. I was deliberately deceived into sending this payment under false pretenses. I am requesting full reimbursement of {$300.00} and a review of how Citizens Bank handled this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NJ

Complaint narrative:
On XX/XX/year> I applied for a credit card paid XXXXXXXX XXXX deposit the card was supposed to come within a certain time frame and it didnt so I called company and asked have they mailed out my card they told me no the card wasnt mailed out yet so I asked to cancel the card a few days later the card arrived and I tried to get it back on since I didnt get my money back they told me I could never apply for there company again on XX/XX/XXXX I filed a dispute within my bank and they said it can take up to XXXX days for dispute in the middle of dispute I got an email saying my money would be mailed through check in XXXX business days and I still havent gotten my money the company says they returned the money to my current account on XX/XX/year> the bank denied and I also dont see it within my bank statement now the credit card company wants me to send them a copy of my bank statement to investigate and I told them no I wont show you my statement Im going to contact a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/year> an unauthorized user accessed my US Bank checking bank account and used the zelle pay option to send {$480.00} to an email address unknown to me. I called the bank when the amount was withdrawn from my bank and it was seen on my statement. Once the bank was notified via phone call, they told me they would investigate. I was notified that it would be investigated under case number XXXX for a refund claim. They also shut down this bank account number and had me start with a new one to prevent further access. I was notified via letter shortly afterward that the investigation yielded not reason to refund the money and was denied my claim, however they provided an IP address used for the transaction in Virginia though I live in Nevada. The fraudulent user also accessed the account under a device and phone number unknown to me and then sent the money to a name a phone number also unknown to me. The letter also indicated that the bank let the person use the account via a biometric verification. I do not have this feature set up with my bank account. They indicated that this denied claim could be disputed by calling them. When I received this letter denying the refund of fraudulently taken funds, I called to dispute it again using the evidence given to us by US bank itself about the user in another state and the unknown devices, phone numbers, and recipients. They claimed they could investigate again under case number XXXX. I received a letter on XX/XX/year> indicating that this case will no longer be investigated and the claim will be denied because " this transaction has already been reported and investigated. '' I believe the bank has enough evidence to return our money due to it's negligence in approving access to our account by someone committing fraud.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I dispute Portfolio Recovery Associates response because it does not fully address the validation and verification requests contained in my CFPB complaint and attached validation letter. My complaint requested documentation necessary to validate the alleged debt under the FDCPA, including the original signed agreement, proof of ownership, documentation supporting the transfer or assignment of the account, the purchase agreement, and a complete accounting of the balance claimed. I also requested information necessary to verify the accuracy and completeness of the reporting under the FCRA, including the Date of First Delinquency ( DOFD ), the charge-off date, and the date the account was acquired by Portfolio Recovery Associates . While PRA provided a general explanation regarding its purchase of the account and referenced certain account information, the response does not demonstrate that all requested validation documents were provided. The response does not specifically identify or provide the original signed agreement, complete chain of title, purchase documentation, detailed accounting records, or documentation establishing each requested reporting date. Simply stating that business records were reviewed or that the account was purchased does not satisfy a request for the underlying documentation necessary to independently validate ownership, assignment, and the accuracy of the information being reported. The response also relies on information supplied by the original creditor without explaining the procedures used to verify the accuracy and completeness of the disputed reporting after receiving my dispute. Because the requested validation and verification items have not been fully addressed, I continue to dispute the validity, ownership, and reporting accuracy of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CO

Complaint narrative:
I am an XXXX veteran who returned from XXXX XXXX status on XX/XX/XXXX, and I am currently enlisting in the XXXX XXXX XXXX. I am filing a formal complaint against Westlake Financial for fraudulent credit reporting, severe file fragmentation, and violations of the Fair Credit Reporting Act ( FCRA ) .Westlake Financial is actively reporting a negative 'Repossession ' status and demanding an active collection balance of approximately {$2800.00} under a false {$19000.00} loan baseline on my XXXX credit report. However, the original loan contract on this vehicle was for roughly {$12000.00}, and the historical repossession on this account occurred years ago and was fully settled and resolved.The vehicle recently went missing from a foreclosed yard between XX/XX/XXXX and XX/XX/XXXX while I was away serving on XXXX XXXX XXXX in the XXXX. On XX/XX/XXXX, I contacted Westlake Financial directly. Their corporate management explicitly confirmed on a recorded line that they have absolutely NO RECORD of any recent tow or recovery for my vehicle 's VIN, they do not possess the truck, and they can not verify why their systems are publishing these numbers. Furthermore, multiple representatives stated they could not even access my file, but confirmed that Westlake has generated multiple confusing, fragmented duplicate accounts under my identity for this single vehicle loan. I never received any statutory pre-sale or post-sale notices regarding any recent actions.A creditor can not legally double-dip on a historical, settled debt and fabricate a fresh repossession balance on an asset they admit they never recovered or towed. This reporting is completely unverified and fraudulent. This fraudulent reporting is also actively jeopardizing my enlistment into the XXXX XXXX XXXX, as it creates an immediate barrier to securing my mandatory XXXX XXXX XXXX XXXX under XXXX XXXX XXXX Westlake 's unverified data is causing immediate, irreparable harm to both my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It has destroyed my credit and blocked me from working in my trade as a XXXX XXXX I demand the immediate, permanent deletion of this entire trade line from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I logged into my Citibank account and saw a negative balance of {$9900.00}. This made no sense because my XX/XX/year> statement shows a credit balance of {$950.00}. The online system instead showed a negative balance of {$9200.00}. These discrepancies appear to have existed since XX/XX/year>. I immediately transferred {$10000.00} from an external account out of concern that Citibanks system was malfunctioning. I called Citibank customer service for clarification. The representative identified XXXX XXXX. He told me, Do not worry, your account is in good standing you can ignore what you see online. Take my word for it. This is unacceptable. A bank representative should not tell a customer to ignore their own account information. When I pressed for an explanation, he attempted to end the conversation by saying, If nothing else, have a good day, without addressing the issue. When I explained that the incorrect balance had been showing for nearly XXXX months, he told me to refresh my screen and then told me to use the mobile app. He then abandoned the call he did not disconnect, but simply stopped responding. I remained on the line for several minutes until someone on Citibanks end eventually hung up. When I attempted to use the mobile app, I received an error message stating that the app could not be opened due to issues on your mobile device. I have been a Citibank customer for over XXXX years, and this situation raises serious concerns about the accuracy of Citibanks systems and the conduct of its customer service staff.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: PA

Complaint narrative:
Klarna has failed to provide complete and accurate documentation required for my mortgage underwriting process despite multiple requests. I requested full loan-level records for all accounts open or closed between XX/XX/XXXX and XX/XX/XXXX, including transaction histories with payment dates and amounts, original loan agreements, Truth in Lending disclosures, and payoff or remaining balance information. The documents provided were incomplete and incorrect and did not satisfy the request. I was given conflicting timelines ( XXXX hours and then XXXX days ) for resolution of the same issue. When I followed up, I was advised a new support ticket would be created instead of resolving the existing issue, resulting in further delay. This issue is directly impacting an active mortgage underwriting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX -- -- hi, this is Fraud that I complained with you this actually this number indicate CFPB complaint number -- XXXX XXXX company through XXXX, which is my car insurance because my insurance XXXX moving out of XXXX this company so just called it to me I don't want it for future XXXX cancel it right when I called them in credit number on creating a new account in XXXX XXXX credit card amount XXXX they gave me a credit in XXXX months documentation I'm going to this I sent the email with this company that did the sales person so it was fraud -- the credit card companies Citi Bank said I should close this account and get another credit card it doesn't happen as much he said the same thing before but I was charged {$65.00} after I close I have XXXX XXXX was good with my new cad ending XXXX -- waited XXXX months before activate it with XXXX -- I said, maybe they would be OK deducted- {$65.00} -- so they took my credit XXXX plus original XXXX they charge me. I paid off to bring my balance and account and start using my new cresit card differnt bank -- I spent over hours than an hour security department and kept running around for few hours and they're so rude so I'm really tired of it now it closed but they are taking away credit. They gave me back in XXXX and XXXX for something that I dispute and I never had to deal with it all came up after the last complaint that you said, they resolution the resolution that they give me not resolved. I don't know what to do. I really hope you can help me. This is my nightmare. Nightmare doesn't leave me alone of this company that I never even XXXX I am hoping I could advise something for you to show that to you.

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
While processing a payment through the PayPal website on or about XX/XX/year>, an offer was displayed that should I be approved for a PayPal Cash Back MasterCard, a {$55.00} bonus would be applied to my first transaction amount of {$66.00}. I therefore applied for the card which was immediately approved. This was quite similar to the current promotion offering a {$50.00} bonus that is being submitted with this complaint. Over the next few weeks, I made several calls as to when the {$55.00} bonus would be applied to the balance. After speaking to several Synchrony Bank agents, I was eventually told that I should see the bonus applied to second statement on XX/XX/XXXX. As a result, I paid in full and on time the {$66.00} balance due on my first monthly statement. On XX/XX/XXXX, the bonus was still not being applied. After verifying my account through the automated system, I spoke to a Synchrony Bank agent and explained the aforementioned events in detail. He said the bonus may be applied as late as the second billing cycle. When I pointed out that current balance was in the second billing cycle, he stated he was not qualified to assist me and would transfer me to the department that he confirmed would address the issue. Instead, the automated service then came back on the line requiring me again to verify my account. I then spoke to an agent who identified herself as XXXX. I again explained in detail the series of events after which she was going to transfer me to yet another agent. I immediately asked to speak to her supervisor. After being placed on hold, she told me her supervisor was busy and immediately transferred me to another department without allowing me to respond. Instead, the automated services came on once again and the call was cut off.

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