vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-28 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:
This submission supplements CFPB Complaint No. XXXX. Photographs and supporting documentation previously provided are incorporated by reference. Subject : Continued Dispute Under XXXX Request for Compliance Review To Whom It May Concern, This letter serves as formal notice that I continue to dispute the charge of {$1200.00} under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). My dispute involves misrepresented merchandise and supporting documentation previously submitted, including a XXXX professional evaluation and a police report. The denial response did not address the authenticity concerns raised and appears limited to confirming that merchandise was delivered, not whether it was accurately represented. Pursuant to the XXXX, I am requesting the following : A detailed accounting of how the {$510.00} minimum payment was calculated for XXXX and XXXX, excluding any disputed amount and related finance charges. Copies of all documentation relied upon in determining the charge was correct. Confirmation that online payment access for undisputed balances will not be restricted. Confirmation that no adverse credit reporting will occur while this dispute remains under active review. If the investigation relied solely on confirmation of delivery and possession, I request clarification as to how the authenticity evidence submitted was evaluated. I am also submitting a compliance review request through the Consumer Financial Protection Bureau and, if necessary, other appropriate regulatory channels. I look forward to your written response. Additional Compliance Concerns In addition to the substantive dispute : The minimum payment reflected for XXXX and XXXX appears to include the disputed amount and related finance charges. Under the Fair Credit Billing Act, disputed amounts should not be treated as due while under active investigation. I have been unable to submit payment online for the undisputed portion of the balance. This has created a barrier to maintaining the account in good standing while the disputed charge is under review. Payment Access Interference During the XXXX billing cycle, I was unable to submit payment online for the undisputed portion of my balance. This restriction required me to use an alternate payment method to prevent delinquency. Please provide : A written explanation for why online payment access was restricted. Confirmation of whether this restriction was system-generated or manually applied. Assurance that this restriction will not recur while the dispute remains under review.

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 2026-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
They are reaging this XXXX and It doesn't have no information it's closed and they are reporting charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
This is XXXX XXXX, residing in both XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NY XXXX as well as in Florida XXXX. This complaint is about kraken a crypto exchange company XXXX XXXX XXXX, XXXX ( no known ZIP code )... I have been Kraken 's client for a while... on XX/XX/year>, ... my account was blocked ... I can no longer access my investments ... Kraken for some reason doesn't have live customer service... I have contacted their virtual assistant for the past XXXX days to recuperate my account... I have sent them everything that was asked of me State ID, SS card, proof of address etc.... the AI assistant keeps telling me an email will be sent to me to initiate my new login info ( according to kraken ) it will take just a few minutes to be able to login ... XXXX days later ... no email received ... just some off the cuff AI answers stupidity that has nothing to do with my request to be able to login to my account. This is no more, no less than ABUSE OF POWER, or INCOMPETENCE.... we all know that crypto is a very erratic digital currency ... I am afraid I will be losing my money since I am not in control of my account. Corporation Kraken had to take responsibility to solve this minor problem that is becoming a big problem for me... I am helpless.... ONLY KRAKEN CAN RESOLVE THIS DILEMMA of their making.

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 2026-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I disputed a debt being reported and collected by a third-party debt collector. The account allegedly originates from a closed bank account that shows a XXXX balance with the original creditor. Despite multiple written disputes, the debt collector failed to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). No signed agreement, payment history, or complete chain of ownership has been provided. Additionally, the account has been reported under incorrect and inconsistent name variations, creating serious identification accuracy issues. The consumer reporting agencies continued reporting the account without providing documentation showing how the debt was verified. XXXX credit bureau previously removed or closed the account due to lack of validation, yet the debt continues to be reported and collected elsewhere without proper verification. I have requested validation and investigation multiple times. Instead of providing evidence, the companies continue reporting the account and attempting collection activity. This conduct appears to violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by reporting unverified and inaccurate information and failing to properly investigate disputes. I request that the company provide full documentation supporting the alleged debt or permanently delete the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
In the beginning of feb. We ordered a flashlight that was advertised as supper powerful for XXXX .. after aithorizing XXXX the company proceeded to take XXXX dollars and change. Realizing they were ripping me off i contacted bluebird nefore it posted. XXXX said they could do nothing until it posted they cpuldnt help me. Upset but assuming it was procedure i let it go. Once the cheap flashlight arrived it didnt even work and i tried calling to return it to company. The number was invalid. The label on the package didnt include a return address. The only address was.a XXXX hub. I couldnt find the original.shipping address in tracking. I called back my bamk to report fraud. XXXX then said that i had to change my password and pin number which i did. But then that wasnt good enough i had cancel my card and get a new one. I said i didnt need to do that because of how it happened they didnt agree. They insisted i had to get a new card. This was on the XXXX of XXXX. I was not given the upgraded option and my paycheck goes onto this card. I literally have XXXX money to survive on and i have money in the bank.i have not been able to loginto my account for a while which i tried to get help with but they dont listen to me. I called yesterday and was told.to call again today the XXXX if i didnt receieve .y card. I called back and now im told it wont be here until the XXXX. I got an email saying if i didnt complete my dispute within XXXX days i first called it wouldnt me approved. I explained i am unable to login or compete this and they need to file an extension. But they act like i am not saying anything. I explained i have no money i need to send it to me XXXX XXXX. They say they cant help me.even thou i have an account and account info. I receieved an email.sayimg my card will be here the XXXX.they are saying the XXXX. Eithier way i am without money and cant finish my dispute. They said they didnt order my card till the XXXX when it should.have been done ln the XXXX. The supervisor said he cant do anyyging this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received notice that my Venmo account had been permanently deactivated following an internal review. The message stated that my account was : Not eligible for reactivation due to several concerns regarding your activity However, no specific explanation was provided regarding what activity led to this decision. I was also informed that : Any future contact or inquiries will not be answered and that this matter will be considered closed. This prevents me from : -Understanding the reason for the account closure -Addressing any potential misunderstanding -Confirming whether the action was taken in error At the time of closure, my Venmo balance was {$0.00}, and I was not notified of any violations, disputes, or unresolved obligations. I am concerned about : -The complete lack of transparency in the decision -The refusal to allow any appeal or review -Whether the action was based solely on automated risk screening As Venmo is a widely used financial platform, permanent denial of access without explanation raises concerns about fairness and accountability in XXXX XXXX XXXX, as well as my reputaition. This notice was also given after an initial request from Venmo for a valid photo identification, which was sent to them on XX/XX/XXXX. This request was sent along with the initial notice that my account was suspended on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX but my family lives in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I posted on XXXX XXXX in our area asking for help finding who can do home renovation. Multiple people responded to the post including XXXX XXXX. He did a home visit on XXXX XXXX and discussed with my wife as i am XXXX XXXX stationed in XXXX. While he was at my house, I spoke to him and my wife and we agreed on scope of work and payment. The scope of work included new cabinets, stove/range and microwave, Flooring for the kitchen and downstairs, downstairs and upstairs bathroom, paint the kitchen and vanity light replacements. He requested a payment of {$19000.00} on XXXX XXXX to commence work. I transferred the amount from my Navy federal credit union account to his Navy federal credit account # XXXX. On XXXX XXXX, he called again and requested another payment assuring me that the work will be completed in the two week time frame we initially agreed on. I transferred another {$14000.00}. He completed less than 20 percent of the work and we tried to contact him multi times but he is not responding and he has stopped working on the house. I last scope with him on XXXX XXXX and my wife last talked to him on XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: IL

Complaint narrative:
ive requested validation of deb by Nelnet department of education XXXX XXXX, XXXX XXXX they have not provided that proof, i also disputed with all 3 credit agencies with know resolution at all i feel this inaccurate information reported on my credit report which is harming my credit score and stiflingly my financial advancement. i would like to know the name of the institution that these debts accrued at with wet signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: IL

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer of {$5500.00} USD to a bank account in XXXX using the Abound mobile app ( operated by TClub Inc. ). The funds were successfully debited from my XXXX XXXX XXXX account. The Abound app shows the transfer status as " delivered '' on that exact same day. However, it has been over a month, and the funds have never been credited to the receiving XXXX bank account in XXXX. I have contacted XXXX XXXX XXXX, and they stated the funds successfully left my account and that the issue is with the third-party transfer platform. I also physically visited the receiving XXXX XXXX branch in XXXX to locate the funds, and they have no record of the money clearing and instructed me to email their customer care. I have attempted to contact Abound multiple times via their official support email and their in-app live chat to locate the missing funds. They have been completely unresponsive. They have provided no explanation, no tracking details, and have effectively taken my money while cutting off all customer service communication.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 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: Chime Financial Inc
State: MA

Complaint narrative:
While at work I noticed a notification from chime then XXXX more notifications. Then I see a text message asking if I authorize a dollar on XXXX. I sent a message that said no I went into my bank account. XXXX was taking XXXX times in a row XXXX transactions went through I contacted Chime. Let them know. I didnt authorize any charges to XXXX and then I was at work and that I needed to appeal them and that they were also XXXX more charges that were pending, which they told me I needed to wait till they went through to dispute those charges I asked them why did you wait till the XXXX transaction to send me a message for fraud alert instead of contacting me after the first second or third one XXXX transactions of the same thing right after another doesnt bring up red flags and they said no I told him that was unacceptable. It wasnt me within XXXX hours. They got back and denied me for the first XXXX hours later. They denied me for the other XXXX contacted them again. Let them know. I need to appeal. This this wasnt me and stress that they never sent me anything to my phone and how XXXX of the same charges is not raising red flags. Theyre not doing anything to get my money back and I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Hometown Select Mortgage LLC
State: CA

Complaint narrative:
I am filing a complaint against HTS-Loan Servicing regarding my timeshare mortgage account for property located in XXXX, Hawaii ( Account No. XXXX ). For approximately XXXXen ( 10 ) years, this account has been set up on recurring ACH draft. During this time, I have not received periodic mortgage billing statements, balance statements, delinquency notices, or written/electronic payment status disclosures. In XX/XX/year>, the account was scheduled for automatic draft on the first of the month. The draft did not process on that date. I received no notice of failed draft, no notice of past-due status, and no written communication indicating a problem. The account was subsequently drafted on XX/XX/year>, for two payments ( XXXX and XXXX ). Despite the absence of any notice and despite the existence of recurring ACH authorization, HTS-Loan Servicing reported a 30-day delinquency to consumer reporting agencies. Additionally : This account did not appear on my credit report for nearly ten years after origination. The reported opening date does not reflect the true origination date. The reporting does not reflect the complete payment history. I am requesting regulatory review of : Failure to provide periodic mortgage statements Failure to provide delinquency notice prior to reporting Inconsistent ACH processing practices Reporting of a 30-day delinquency without proper notice Delayed and incomplete credit reporting I request that HTS-Loan Servicing provide full documentation supporting their reporting and correct any inaccuracies.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
They are reporting false information balance and negative items on my credit report

Company response to consumer: Untimely response
Consumer complaint received 2026-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Block, Inc. ( Cash App ) for a direct violation of the XX/XX/XXXX, CFPB Consent Order ( 2025-CFPB-0001 ) regarding the mishandling of 'induced ' fraudulent transactions. On XX/XX/XXXX, I was induced by false pretenses into a {$300.00} transfer to XXXX XXXX ( $ XXXX ), an Operations Officer at the XXXX XXXX in XXXX. The transfer was for a non-existent rental deposit in XXXX, XXXX. I have provided Cash App with a XXXX evidentiary expos containing SMS transcripts where the subject admitted the apartment did not exist, yet they issued an automated denial. Legal & Regulatory Violations : Consent Order Violation : Cash App failed to provide provisional credit after 10 days and failed to conduct a 'reasonable " investigation into an induced transaction, as mandated by the XXXX Settlement. Technical Fraud : The subject is utilizing geofencing manipulation ( VPN/VPS ) to access a U.S.-only service from XXXX to facilitate international wire fraud ( XXXX XXXX. XXXX ). Active Federal Case : This matter is documented under FBI IC3 Report # XXXX. Cash Apps refusal to reverse this 'induced ' transaction, despite clear evidence of criminal misrepresentation and international technical fraud , constitutes a failure of their federally mandated consumer protection duties. I am requesting a full refund from the {$120.00} million redress fund established in the XXXX Order. '' I should also be protected by new regulations that took effect recently : XXXX XXXX Fraud Rules : Effective XX/XX/XXXX, these rules require financial institutions to take " shared responsibility '' for fraud detection and actively monitor inbound credits for deceptive patterns. Enhanced Oversight : A final CFPB rule, effective in late XXXX and fully active in XXXX, allows federal regulators to proactively inspect large payment apps for how they handle errors and fraud. CashApp closed my dispute but than opened a complaint regarding the dispute requiring an additional XXXX days for investigation and failing to provide the required provisional credit. They are violating regulation E by not providing provisional credit for an extended investigation and withholding the statement of findings which is required under XXXX CFR. They are ignoring the evidence of induced fraud ( false pretenses ) this is required under XXXX XXXX risk management. Their circular support loop has caused material interference to avoid their reg. E obligations. This is a specific form of UDAAXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
Predatory lending at its finest. 98 % of payment is classified as a fee. I have repaid principal balance and now seems I al repaying fees. It is impossible to continue to make payments when the balance doesnt seem to decrease. A vicious cycle of debt. Not sure if this type of lending is legal in Florida. As you can see I have repaid over {$1200.00} in fees alone in 2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 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: UMB FINANCIAL CORPORATION
State: KS

Complaint narrative:
First off, I rarely carry a balance on my credit cards, pay in full every month. I received a billing statement in XX/XX/XXXX ; with numerous charges I did not recognize totaling near {$30000.00}. I immediately called the card provider to report fraud. They acknowledged the activity, said they would cancel my current card, investigate and issue me a new credit card number. They also said they would post a credit on my account for all the fraudulent charges we recognized. Unfortunately, the card provider transferred some fraud charges to my replacement credit card account. The fraudulent charges made from XX/XX/XXXX through XX/XX/XXXX, by far exceeded my credit card limit but were not stopped by the card provider despite being far from the norm of my spending history. The purchases consist of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, companies I have no knowledge or history with. The card provider removed most of the fraudulent charges but left {$4000.00} on my account and refuses to reopen the dispute I initiated on XX/XX/XXXX. I have continued to pay my bill in full except for the aforementioned amount in question. That {$4000.00} is accruing interest and should be removed.

Company response to consumer: Closed with explanation