vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 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: TX

Complaint narrative:
Issue : Credit card dispute improperly denied Company : Citibank , N.A . Product : Credit card Problem : Billing dispute unauthorized charges What happened I disputed a couple unauthorized charges on my Citi credit card that were processed through XXXX. Citi denied my dispute and stated that I had conversations or communications with XXXX and/or Citi regarding these transactions. I did not have any such conversations. The information Citi relied on is incorrect and does not reflect my actions. Citis investigation appears to have used inaccurate or misattributed merchant data. I have repeatedly informed Citi that I did not authorize these transactions and did not communicate with XXXX or Citi about them. Despite this, Citi closed the dispute without providing any of the evidence they claim supports their decision. What I am requesting I am requesting that the CFPB require Citi to : 1. Conduct a proper reinvestigation under the Fair Credit Billing Act. XXXX. Provide all documentation Citi relied on in denying my dispute, including : Merchant logs XXXX communication records Any alleged conversations attributed to ME 3. Correct any inaccurate or fraudulent information used in the investigation. XXXX. Reverse the unauthorized charges if Citi can not prove they were authorized by ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have been unable to receive original documentation from the company, debt reported on my credit report is an Inaccurately amount a wrong dates with no results from the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Victim of identity theft used to purchase auto loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a XXXX Credit Card, the company has been closed for sometime now. I had a balance around XXXX and now after over 2 years and payments made my balance is over XXXX and seems to be growing. There has to be something that they can do since I can not even make purchases on the card anymore to decrease the interest or come to a set balance as I try to pay it off. I will be honest I have a few late payments but never over a month late. I just think it is unreasonable to continue to tact on interest to a store card that is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Received notification payment due soon XXXX and paid on XXXX. After that next notification payment due XXXX, attempted to make payment on or around XXXX on mobile app ( as I've always made payments previously ) but was redirected to reset my password. After resetting my password I was redirected to the login page to sign in, which I did, but continued to be redirected to reset my password. Attempted to reset again 3-4 times, but was unable to login. Later that day, attempted to login via computer, entered most recently updated password, and page continued to buffer without allowing me access. Attempted to call and make payment via phone on the same date, entered SSN as directed, but automated system told me my account could not be located. Attempted to speak to representative, remained on hold for extended period, call was never redirected. Typically since I make my payments the first week of the month I did not think to login again - and received no further contact or notification- until payment reminder was received again on XXXX. I again went through the process of trying to make payment via mobile app, online, and via phone, and ran into the same issues as I did for XXXX payment. Received email that action was needed on XXXX and again XX/XX/XXXX - attempted to login online, via mobile, and call via phone on XXXX and XX/XX/XXXX, continued to be unable to access account via any format. Around that time, also received emails from BOA stating online and mobile apps were being updated - emails received on XXXX, XX/XX/XXXX, and XX/XX/XXXX - so assumed the issue was with technology since I couldn't get through. Attempted to login again when received email on XX/XX/XXXX and was able to login in via mobile app and make payment, at which time I saw that I was charged two late fees in XXXX and XXXX- in the amounts for {$29.00} and {$40.00} - after may past due payment online, attempted to call and was told they could not remove late fees. Requested escalation - spoke to manager XXXX XXXX- who denied waiver of fees, and advised I should have come into a location during business hours to make payment physically. When I advised I work a XXXX job and am unavailable to do so in person during business hours without hardship, he denied the hardship and continued to deny further escalation. He then backtracked and said he was not denying hardship - but only hardship would be if I lost my job- and then said he could escalate the call, but rather than escalating hung up. Attached are emails showing password reset attempts and notification of online / mobile banking issues being addressed. My account is now no longer past due and I am requesting the late fees be waived.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
* Subject : * Urgent Fraud Claim Unauthorized Transactions Totaling {$1600.00} from Checking Account Dear consumer financial protection bureau My name is XXXX XXXX, and I am a Capital One customer writing to report a serious compromise of my checking account. On XX/XX/year>, {$1600.00} was stolen from my Capital One checking account via unauthorized transactions linked through XXXX XXXX. I discovered the fraud after my Capital One debit card was declined during a purchase, despite knowing I had sufficient funds. I then attempted to use my XXXX XXXX card, which was also declined. Upon reviewing my XXXX XXXX account, I found six unauthorized transactions totaling {$1700.00} sent to an individual named XXXX XXXX. I received no alerts, emails, or notifications regarding suspicious activity, nor any verification requests to confirm these transactions were authorized. I immediately contacted Capital One to dispute the transactions and secure my account. Unfortunately, the representatives I spoke with did not convey a sense of urgency, and the fraud team indicated they were unable to assist. This response is unacceptable given the amount stolen and the lack of fraud alerts on my account. Please treat this matter with the urgency it deserves and provide me with a direct point of contact for updates. Thank you for your prompt attention. Sincerely, XXXX XXXX [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: CA

Complaint narrative:
I called williams rush and associates today XX/XX/scrub>XXXX in regards to the validity on a debt that was shown on my credit report as of XX/XX/year>. Upon requesting this information and requesting documentation verifying that this company is legally allowed to collect the debt I was met with a rude woman that called me a XXXX lawyer and started using abuse tactics. I also stated that she had the wrong email address and the incorrect mailing address and did not allow me to update any of that information so I am now unable to receive those documents.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
IDENTITY THEFT BLOCKING DEMAND Pursuant to 15 U.S.C. 1681c-2 I am submitting this notice as a formal Identity Theft Reportbased demand for statutory blocking under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2. Enclosed is my Federal Trade Commission Identity Theft Report ( FTC Report No. XXXX ), executed under penalty of perjury, which establishes that my personal and financial information was used without authorization in connection with fraudulent activity involving XXXX XXXX XXXX XXXX and related Automated Clearing House ( ACH ) transactions. The account and all associated activity are the result of identity theft. I did not authorize, initiate, consent to, or benefit from this account or any related transactions. The use of my financial identifiers in this manner constitutes unauthorized use of an access device within the meaning of 15 U.S.C. 1693a ( 12 ) and 12 C.F.R. 1005.2 ( m ). This submission satisfies the statutory requirements for identity theft blocking under 15 U.S.C. 1681c-2 ( a ), including proper identification of the information resulting from identity theft, provision of a valid Identity Theft Report, and submission of sufficient proof of identity. Accordingly, you are required by law to : 1. Block the reporting of all information identified as resulting from identity theft within the timeframe mandated by 15 U.S.C. 1681c-2 ( a ) ; 2. Remove the XXXX XXXX XXXX XXXX tradeline and any related data from my consumer file ; XXXX. Prevent any re-reporting of this information unless and until it is verified as legitimate in strict compliance with the statute ; XXXX. Notify any furnisher of this information that it has been blocked due to identity theft. This is not a reinvestigation request under 15 U.S.C. 1681i. This is a statutory blocking demand under 15 U.S.C. 1681c-2. The obligations imposed under this section are mandatory and not discretionary. Any continued reporting of this account following receipt of this notice constitutes the reporting of information known or reasonably believed to be inaccurate, in violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ), and may subject all responsible parties to civil liability. Please provide written confirmation that the identified information has been permanently blocked and removed from my credit file in accordance with 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 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a formal complaint against Discover Bank for willful deception and providing false information to the CFPB. In their response dated XX/XX/year> ( Case # XXXX ), Discover Bank falsely claimed they provided a debt validation response to my " authorized representative, '' XXXX XXXX XXXX This is a provable lie. I am attaching the Michigan Court Order ( Form MC 15a ) for Case XXXX, which proves that I am representing myself PRO SE. The field for " Attorney for Defendant '' is EMPTY. The Bank is using this " ghost representative '' as a shield to avoid their legal obligation under 15 U.S.C. 1692g to provide a granular debt validation directly to me. I demand a full itemized accounting sent to my home address immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/year> TO : JPMCB CARD RE : Account # XXXX I am formally disputing this alleged debt in its entirety. This debt is not mine and appears to be the result of identity theft or error. I have never had an account or debt with XXXX XXXX XXXX, XXXX. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), you are required to cease all collection activity immediately until you provide proper validation of the alleged debt. Enclosed is my Identity Theft Report. Any further collection activity without validation will constitute a violation of federal and New York law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Subject : Formal Dispute of Denial Notice dated XX/XX/XXXX Property Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Loan Number : XXXX To the Office of the Consumer Ombudsman, I am writing in response to your correspondence dated XX/XX/XXXX I formally dispute your finding that the XX/XX/XXXX, Account Modification Agreement was delivered. I maintain that this agreement was never received, and therefore, the subsequent denial based on a " failure to return '' the document is invalid. Please address the following points : Failure of Delivery : While you have provided " proof of mailing, '' I have no record of this document arriving at my residence. As you noted, these offers are sent via regular mail rather than certified mail, leaving no paper trail to confirm actual delivery to the homeowner. Good Faith Performance : I have demonstrated a consistent and good-faith effort to save my home by successfully completing the Trial Period Plan ( TPP ) with payments made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It is illogical to suggest that a borrower would successfully complete a TPP and then intentionally ignore the final modification agreement. Request for Equitable Relief : Given that the default was due to a mail delivery failure and not a lack of intent or financial capability, I request that you reopen the XX/XX/XXXX modification offer. I am ready and willing to sign the agreement immediately upon actual receipt. Dual Tracking Concerns : While you claim the foreclosure is on hold, the " active '' status of the proceedings while I am actively disputing a non-receipt of documents creates undue stress and legal jeopardy. I am requesting that Onity Mortgage exercise its discretion to reverse the expiration of the previous offer and provide the Modification Agreement via a method that ensures receipt ( such as an encrypted email or overnight delivery with tracking ). I intend to escalate this matter further with the CFPB if a resolution is not reached to restore the modification for which I have already qualified. I look forward to your immediate response and the resent agreement. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint regarding Wells Fargos material changes to the terms of my business checking account without adequate or transparent disclosure. When I opened this account, I was enrolled in a product with a minimum balance requirement of {$500.00} to waive the monthly service fee. Wells Fargo has since unilaterally increased the minimum balance requirement to {$2000.00} four times the original requirement and raised the monthly service fee by 50 %. These are significant changes that directly affect my financial obligations as an account holder. The notification I received from Wells Fargo described these changes only as general updates, with no clear disclosure of the specific dollar amounts being changed, the magnitude of the increase, or the financial impact to existing customers. A consumer can not reasonably be expected to infer that their bank is quadrupling minimum balance thresholds and raising fees from a vague update notice. The communication lacked the specificity and prominence that material fee and balance changes require. This pattern enrolling customers under one set of terms and later revising those terms in ways that are financially consequential while obscuring that fact in non-descriptive notifications warrants regulatory review. I am requesting that the CFPB investigate whether Wells Fargos disclosure practices around this account change meet the standards required under consumer financial protection 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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I purchased a used vehicle and, at the time of purchase, a XXXX XXXX XXXX Contract in the amount of {$1900.00} was added and financed into my auto loan through Credit Acceptance Corporation. I am a low-income consumer and agreed to purchase this contract specifically to protect myself from the risk of costly out-of-pocket repairs. Based on how the product was presented, I understood that it would provide meaningful coverage if mechanical issues arose. Shortly after purchase, my vehicle developed problems, including a check engine light and diagnostic trouble codes. Diagnostic testing identified codes XXXX ( post-catalyst fuel trim system too lean ) and XXXX ( air/fuel ratio imbalance ), which relate to engine and emissions performance. I submitted a claim under the service contract administered by XXXX XXXX XXXX XXXX XXXX XXXX but it was denied. The denial focused on an oil-related component and a hose ; however, those were not the primary issue. The actual problem involved the engine-related diagnostic trouble codes listed above. Even after repairs addressing the oil and hose components, the same diagnostic trouble codes ( XXXX and XXXX ) remained present, demonstrating that the underlying issue was not resolved. As a result of the denial, I was required to pay {$450.00} out of pocket for repairs. I also provided the warranty administrator and finance company with documentation supporting my claim, including a repair invoice and diagnostic reports. Despite providing this evidence, my claim was still denied. After canceling the service contract, I received only {$51.00}, while the company retained nearly the full {$1900.00} contract amount. Because the service contract was financed into my loan, I continue to incur interest on a product that has provided no meaningful benefit. I am still experiencing ongoing vehicle issues and can not afford additional repairs, which has created financial hardship. I attempted to resolve this matter directly with both Credit Acceptance Corporation and XXXX XXXX XXXX XXXX XXXX XXXX but both parties declined any further resolution. I am requesting a full refund of the {$1900.00} service contract amount due to the lack of meaningful benefit and the continued financial harm caused by this transaction.

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