vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 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: TX

Complaint narrative:
I am filing this complaint regarding Citibanks handling of multiple active disputes and a fraud claim on my credit card account, which has resulted in improper fees, misapplication of payments, and significant consumer harm.

I have three active disputes on my account : {$5400.00} billing error dispute ( reopened ) {$1500.00} billing error dispute ( reopened ) {$3100.00} fraud / unauthorized transaction These total {$10000.00} in disputed and fraudulent charges. Despite this, Citibank continues to reflect a total balance of {$15000.00} without providing provisional credits. 

Citibank has refused to suspend collection activity on the disputed amounts. They have demanded minimum payments that include disputed and fraudulent charges, assessed late fees and penalties, and informed me that my account is delinquent. 

I made a good-faith payment of {$160.00} toward the undisputed portion of the account. Citibank nevertheless labeled this payment as late, which is improper under the Fair Credit Billing Act and Regulation Z.

In addition to the above, during one of approximately * * 15 phone calls * * ( each averaging close to an hour ), Citibank * * erroneously closed my account * *. I was repeatedly told that I must have authorized the closure. After extensive follow-up calls, Citibank eventually acknowledged that the account closure was an * * error * * and reopened it. This caused further disruption, confusion, and stress. 

Throughout this process, Citibank representatives have repeatedly dismissed the existence of active disputes, contradicted prior statements, and failed to provide consistent or accurate information. The cumulative effect has been extreme delay, emotional distress, and financial harm. 

Citibanks conduct violates the Fair Credit Billing Act and Regulation Z, which prohibit : * Treating disputed amounts as delinquent * Requiring payment of disputed balances during investigation * Assessing late fees or penalties related to disputed charges * Mischaracterizing good-faith payments as late I am requesting that Citibank be required to : 1. Properly code all disputed and fraudulent charges 2. Reverse all late fees, penalties, and interest assessed in connection with these disputes 3. Cease collection activity related to disputed balances 4. Correct any adverse account notations 5. Provide a written explanation for denying provisional credit while enforcing payment obligations I am exhausted from repeated calls and am seeking regulatory intervention to resolve this matter properly and in compliance with federal law. 

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 monetary relief
Consumer complaint received 2026-01-19 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: Experian Information Solutions Inc.
State: PA

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 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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Rodriguez Fernandez Law Offices, LLC
State: PR

Complaint narrative:
Today, XX/XX/year>, at XXXX XXXX and every day I received several calls from these numbers : XXXX and XXXX. They did not give me any information about why they were calling me, but they asked for my full name, phone number, physical address, email address, and personal information.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I requested written confirmation that my financing plan was corrected from 12 months to the originally agreed 55-month term. I also requested confirmation that all unauthorized charges and late fees would be reversed and that my credit would not be impacted. 

Despite multiple follow-ups over several months, the company has failed to properly correct the financing plan. The bank continues to charge me under the incorrect terms and I have been assessed late payment penalties.

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 2026-01-19 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
Since submitting my complaint, the merchant contacted me and admitted by phone that they never processed my return, despite valid proof of return. 

This confirms the balance and credit reporting are inaccurate and caused by merchant error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: CO

Complaint narrative:
They claim I owe money. They wont give me information to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: Paypal Holdings, Inc
State: VA

Complaint narrative:
Dear PayPal Disputes and Resolution Team, I am writing to formally object to PayPals handling of a clear and documented scam transaction that occurred on XX/XX/XXXX, and to put PayPal on notice of escalation due to repeated and unjustified denial of my dispute. 

Dispute Case ID XXXX On XX/XX/XXXX, I was contacted via XXXX by an individual offering a professional resume review service. That individual referred me to a seller on XXXX, where I made a payment of {$56.00} USD using PayPal for the service. 

After payment was made : XXXX XXXX XXXX seller cancelled the order. 
* No service was delivered. 
* The XXXX individual who initiated contact disappeared entirely. 
* The XXXX sellers account appears to be a recently created account, registered from XXXX, using a stolen or misleading profile image of a white woman, while advertising fixing American resumes a combination that clearly raises red flags and strongly indicates fraudulent intent. 

I submitted all available and relevant evidence to PayPal, including transaction details, screenshots, and communication records. Despite this, PayPal denied my dispute twice, without : * Providing a clear or meaningful reason, * Requesting additional information, * Or making any attempt to contact me for clarification or follow-up. 

This handling is unacceptable and represents a serious failure of PayPals buyer protection and dispute resolution obligations. A denial without explanation or investigation in a case with multiple obvious indicators of fraud is not only negligent but undermines trust in PayPals platform and policies. 

As a result of PayPals inaction, I have taken the following steps : * Opened a dispute with XXXX XXXX  ( PayPal XXXX  ), * Opened a support ticket with XXXX as a final attempt to resolve the matter, * Opened a complaint with CFPB. 

These steps are the last resort before taking legal action against PayPal for failure to provide reasonable consumer protection and due process. 

While the disputed amount is {$56.00}, the principle is not the amount but the precedent. I am fully prepared to pursue legal remedies even if the cost exceeds the disputed sum. 

I am requesting immediate reconsideration of this dispute by a qualified reviewer, along with a written explanation of the prior denials. Failure to address this matter promptly will leave me no choice but to proceed with further legal and regulatory escalation. 

Please treat this correspondence with the seriousness it warrants. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 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 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXXXXXX  I sent a cashier 's check in the amount of {$6400.00} via certified mail to the address provided by them to payoff the loan. Tracking stated that the envelope was handed to a person on XX/XX/XXXX. My bank cleared the cashier 's check on XX/XX/XXXXXXXX I called upstart on XX/XX/XXXX to inquire as to why the amount had not been applied to my loan and proved that the cashier 's check was cleared via email in the form of a verification of cleared cashier 's check and pictures of the cleared cashier 's check provided by my bank. Since then I have requested updates via email and calls, all with the response that I would be notice of updated within 48 hrs and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been a victim of Identity Theft since late XXXX, I have fraud alerts on my credit reports and I have all of my credit reports on all XXXX bureaus frozen. I keep getting countless emails from XXXX XXXX about my pre-approval status when I never applied to a capital XXXX credit card. I tried contacting but couldnt get in contact unless I had a card number, but I know it was an application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 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 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
My federal student loans were XXXX under VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), with an effective discharge date of XX/XX/XXXX. 

Following the discharge, MOHELA reversed XXXX months of payments that I made after the effective discharge date, covering the period XX/XX/XXXX through XX/XX/XXXX, in the amount of {$310.00} per month. 

These transactions currently appear on my MOHELA account only as payment reversal. The account does not reflect that a refund has been processed, issued, or sent to the XXXX Treasury. 

It has now been more than XXXX weeks since MOHELA indicated the reversals were completed ( XX/XX/XXXX ), yet I have not received my refund, despite having valid bank account information on file ( payments were previously auto drafted ). 

I have attempted to obtain clarification by phone but experienced excessive hold times and was unable to get confirmation regarding the status of my refund. 

I am requesting written confirmation of the following : Whether MOHELA has released the refund to the XXXX Treasury for disbursement The date the refund was released ( if applicable ) The Treasury payment/trace or batch number If the refund has not been released, the reason for the delay and when disbursement will occur This refund is legally owed as a result of my VA XXXX & XXXX discharge and should not be subject to further delay.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
My bank US bank XXXX XXXX got breached and they keep over drafting me more than XXXX time with overdraft fees here an there

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 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding a Wells Fargo auto loan for which I am a co-signer. I was not provided with any notice that the vehicle associated with this loan was being put up for auction. I also did not receive any instructions or opportunity to attend the auction or take action to reinstate the loan before the auction occurred. 

After the auction, Wells Fargo informed me that I am responsible for paying the full remaining balance of the loan, even though the vehicle was sold for only {$5000.00} and Wells Fargo subsequently wrote off the loan. This demand is unfair, inaccurate, and is negatively affecting my credit. 

I am requesting that Wells Fargo remove this auto loan from my credit report, correct any inaccurate reporting related to this loan, and provide a resolution that reflects the actual sale proceeds and write-off of the vehicle. I am asking the Consumer Financial Protection Bureau to review this matter and ensure that Wells Fargo addresses these violations and corrects my credit reporting. 

Thank you for your attention to this matter.

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 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One XXXX did not honor a cash back promotion advertised on their platform. 
The promotion stated that I can receive {$25.00} in cash back if I spent over {$50.00} at XXXX. I attached a receipt from XXXX, indicating that I spent {$51.00} on XX/XX/year>. However, Capital One XXXX reduced the number to {$49.00} in my account without any explanation, as shown in the attached PNG file. I emailed the company and their response did not even address the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: RentDebt Automated Collections, LLC
State: CO

Complaint narrative:
Company name : Rent Debt Automated Corrections Issue type : Debt collection Product : Credit reporting / Rental debt What happened I am submitting this complaint to dispute an account being reported by Rent Debt Automated Corrections that I do not recognize and did not authorize. 

In XX/XX/year>, I became aware that XXXX XXXX XXXX Corrections was reporting a debt on my credit report. I do not have any knowledge of this alleged debt, I do not recognize the account, and I do not believe it belongs to me. 

Upon discovering this account, I contacted Rent Debt Automated Corrections in XX/XX/year> and informed them that I did not know anything about this debt and that it was inaccurate. I requested that they remove the account from my credit report. Despite notifying them that the debt was unknown and disputed, the account has continued to appear on my credit file. 

Rent XXXX XXXX Corrections has failed to properly investigate the dispute or provide validation showing that this debt belongs to me. The continued reporting of an unverified and disputed debt is inaccurate and is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I made multiple payments toward my Citi credit card account using a linked bank account. Citi placed my account under manual payment verification, which delayed the withdrawal and posting of payments I initiated. 

At the time I authorized these payments, sufficient funds were available in my bank account. However, due to XXXX internal verification delay, the withdrawals occurred later than expected. As a result of this delay, funds that were available at the time of payment initiation later became unavailable, causing the payments to be returned. 

Citi treated these returned payments as consumer-caused failures, assessed returned payment fees, and subsequently closed my credit card account. I was not informed in advance that manual verification could delay withdrawals in a way that would increase the risk of returned payments. 

I have since paid the remaining balance on the account in full. My concern is that the returned payments, fees, and account closure resulted from XXXX internal payment processing delay rather than insufficient funds or failure to pay on my part. I am requesting a review of how these events were handled and how they are reported.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Issue type : Credit reporting Product : Credit report What happened I am submitting this complaint to dispute the inaccurate reporting of bankruptcies ( 3 ) on my credit reports. 

I have requested that the credit reporting agencies remove any bankruptcies that are being reported under my name. These bankruptcies are inaccurate and should not be appearing on my credit reports. Despite making this request, the bankruptcies continue to be reported. 

The presence of bankruptcies on my credit reports is incorrect and is causing significant harm to my credit profile. This information is not accurate and should be deleted 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 non-monetary relief
Consumer complaint received 2026-01-19 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: U.S. BANCORP
State: IN

Complaint narrative:
COMPLAINT ID : XXXX U.S. Banks response does not address the underlying issues and relies solely on the absence of internal records, which should not be used to deny a consumers claim. 

U.S. Bank states it has no record of my XXXX XXXX call requesting the conversion of my {$500.00} e-gift card redemption into a statement credit. The lack of internal documentation does not mean the request did not occur. Customers reasonably rely on banks to properly record phone requests, and failures in call logging or documentation are internal control issues, not customer negligence.

U.S. Bank also claims that a closure notice was mailed in XXXX XXXX  but provides no proof of delivery or confirmation of receipt. I did not receive any notice by mail, email, or electronic message. Without effective notice, I was denied the opportunity to redeem my rewards before forfeiture. 

The loss of {$500.00} in rewards resulted from U.S. Banks process failures, including missing documentation, reversal of a redemption without notice, and lack of effective communication prior to account closure.

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