vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a longtime Citi AAdvantage Mastercard customer with an account open for more than 10 years. On XX/XX/XXXX, I submitted an online request through Citibank 's official customer portal for copies of my account statements for XX/XX/XXXX and XX/XX/XXXX. Citibank 's portal expressly represents that statements are available for online request going back up to 10 years. The portal accepted my request and confirmed that the statements would be available for online access within 24 to 48 hours. The statements never appeared. My online account showed the requested statements in " Processing '' status and never advanced. I called Citibank to follow up on XX/XX/XXXX and again on XX/XX/XXXX. On both calls, a Citibank representative told me there was a " glitch '' in the system, stated that the problem had been " fixed, '' and " guaranteed '' that I would have online access to the statements within 24 to 48 hours. Neither guarantee was honored. The statements remained in " Processing '' and were never produced. I called Citibank a third time on XX/XX/XXXX. I spoke with a supervisor identified as " XXXX, '' and was then escalated to " XXXX '' ( Team # XXXX ), who identified himself as a Citibank officer / senior account manager. XXXX informed me that there was nothing further Citibank could do to retrieve my statements as they XXXX not have maintained them. This directly contradicts the representations made on Citibank 's website and the prior assurances given by Citibank representatives on XX/XX/XXXX and XX/XX/XXXX, and it occurs well within the 10-year availability window Citibank advertises XXXX This is unacceptable for several reasons : -Citibank publicly represents that statements are available on request for up to 10 years. The XXXX and XXXX statements fall within that window. -Citibank accepted my request through its own system and confirmed delivery within 24 to 48 hours. -Citibank representatives twice " guaranteed '' production after acknowledging an internal " glitch. '' -After multiple calls and escalation to a senior account manager, Citibank now refuses to produce the records. I need these statements for upcoming litigation in which I must document specific purchases made on the account during XXXX and XX/XX/XXXX. Citibank has been placed on notice that these records are required for legal proceedings. Citibank 's continued failure to produce records that it represents as available and that it twice promised to produce is causing direct prejudice to my ability to prosecute that matter. Desired resolution : I am asking that Citibank produce my XX/XX/XXXX and XX/XX/XXXX Citi AAdvantage Mastercard statements as soon as possible, in any usable form ( online access, secure download, or mailed copies ).

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 2026-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing this complaint because of harassing and unprofessional communication tactics regarding my account. I have made several attempts to resolve this issue, but the company makes it impossible to communicate. Specifically, I receive constant calls from the company. When I answer the phone, the person on the other end remains silent and then hangs up. When I immediately try to call the number back to address the account, I am unable to reach anyone or the line is disconnected. This cycle of constant 'hang-up ' calls and being unable to reach a representative when calling back has become a form of harassment. I have previously requested that they stop contacting me in this manner, but the behavior continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: PA

Complaint narrative:
am disputing a collection account reported by IQ Data XXXX related to my former apartment at XXXXXXXX XXXX XXXXXXXX XXXX. I never received a final move-out statement or itemized bill after vacating the unit. My records show multiple charges, including cleaning and painting fees, were initially added in error and later written off after I spoke with the property manager, who confirmed those charges should not have been applied. Despite this, the account was still sent to collections, and the utility charges being claimed do not match my ledger. When I contacted the collection agency, the representative was verbally aggressive, refused to provide an itemized breakdown of the alleged debt, and would not provide an email or written method to dispute the account. I was also pressured to pay immediately over the phone. I contacted my former property management, and they advised me to dispute the account in writing and copy them so they can review and correct the balance. I also have a move-out walkthrough video supporting the condition of the unit and my dispute. I am requesting investigation, validation of the debt, and correction or removal of any inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a denied chargeback for a purchase in which I clearly received an item that was not as described. On XX/XX/year>, I placed an order with an online company ( bestcustom.co ) for a XXXX XXXX XXXX XXXX XXXX. Total cost was XXXX. The product was advertised as being made from real metal license plates. The item was delivered on XX/XX/year>. However, what I received was significantly different from what was advertised. Instead of real metal license plates, the product was made from cheap wood and does not resemble authentic license plates from the states I selected. The quality and materials are clearly inconsistent with the product description and images provided at the time of purchase. I attempted to resolve this issue directly with the company by requesting a refund, but my requests have been completely ignored. As a result, I filed a dispute with my bank ( Capitol One ) on the basis that the item was not as described. I provided clear photographic evidence comparing what I ordered to what I received. Despite this, my bank denied my claim without adequately addressing the discrepancy between the advertised product and the item delivered. I believe this situation qualifies as a valid item not as described claim, and I am requesting that my financial institution properly review the evidence and reconsider my dispute. I am seeking assistance in ensuring that my bank follows appropriate consumer protection standards in handling this claim and that I am not held financially responsible for a product that was misrepresented. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-04-29 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: Saint Services LLC
State: PA

Complaint narrative:
I am filing a formal complaint against Credit Saint regarding unauthorized charges and failure to properly resolve the issue. I enrolled in their services under a promotional offer that stated I would be charged {$59.00}. However, my account was charged twice for XXXX am I have proof of all this this amount without my authorization. I have clear documentation and proof showing that I was billed twice for the same service. These duplicate charges caused my bank account to become overdrawn, resulting in financial hardship. After contacting the company, they acknowledged the duplicate billing and issued a refund for one of the charges. However, instead of reversing the second unauthorized charge, they allowed it to remain posted to my account when it should have also been refunded. Despite providing proof of the duplicate charges, I was informed that there is nothing further they can do. This response is unacceptable, as both charges were unauthorized and should have been fully reversed. As a result of these actions, I experienced unnecessary financial strain, including a negative account balance and disruption to my ability to cover essential expenses. I am requesting a full refund of the remaining unauthorized charge and appropriate resolution for the financial impact caused by this situation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
I am disputing an alleged credit card debt associated with XXXX XXXX that has been placed with XXXX XXXX for collection. This account was previously reported as fraudulent and may be the result of identity theft. Despite this, XXXX XXXX is attempting to collect the debt and has indicated that I may be held personally liable, even though the account is associated with a business entity ( XXXX XXXX XXXX ). I have not been provided with any documentation establishing personal liability, such as a signed personal guarantee. I formally requested validation of the debt, including proof of ownership/authority to collect, a complete account history, and verification of liability. During a phone call with a representative identified as XXXX XXXX, I was told that they were not required to provide certain requested information. When I requested credentials and documentation, I was told, in substance, that this information would not be provided. I also requested records related to the fraud dispute, including any investigation findings. These have not been provided. At the same time, collection activity and legal action are being pursued. The account was previously reported for unauthorized activity, and I have filed a police report and fraud complaint. However, the company has failed to acknowledge or provide documentation related to this dispute. Additionally, the communication was unprofessional, with interruptions and a tone that I found to be aggressive. I believe the company is attempting to collect a debt that is not owed, while failing to provide required validation and documentation.

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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am filing a formal complaint against Wells Fargo regarding a missing international wire transfer of {$1500.00} initiated on XX/XX/year> ( Ref : XXXX, XXXX : XXXX ). The funds were intended for my XXXX account, but the beneficiary bank has officially confirmed they can not locate the funds. Despite numerous calls, Wells Fargo supervisors provided conflicting and false information. On XX/XX/XXXX, I was promised the funds would be re-released, but no action was taken. On XX/XX/XXXX, Wells Fargo finally refunded the {$25.00} wire fee ( ID XXXX ), which effectively admits their fault, yet they are still holding my {$1500.00} principal amount after 26 days.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for a Capital One credit card after receiving a preapproval offer and confirming with multiple associates that my credit score met the requirements for the card. My application was not denied based on creditworthiness, but instead could not be processed due to an issue verifying my identity from the ID photo I submitted. I was not given an opportunity to resubmit my ID or verify my identity through alternative methods. When I contacted customer service, I was told that my application was closed and could not be reopened. Additionally, I was informed that if I were to apply again in the future, there is no way for them to determine whether my ID would be accepted, nor could they provide any explanation as to why my original ID submission was rejected. I was also advised to wait six months before reapplying, despite the issue being unrelated to my credit. This is concerning, as reapplying could result in another hard inquiry on my credit report without any assurance that the same issue will not occur again. This lack of transparency and inability to correct a procedural issue is concerning, especially given that I was preapproved and confirmed to meet the credit requirements. I am requesting that Capital One provide a clear explanation for the verification failure and allow me the opportunity to verify my identity through an alternative method or reconsider my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, my vehicle was broken into and I filed a claim with XXXX XXXX. My assigned claims representative was completely unresponsive failing to return calls or follow up on my claim, or assist with coordination of repairs or reimbursement. Due to this mishandling, I called XXXX in XX/XX/XXXX to cancel my policy. Despite my XX/XX/XXXX cancellation, XXXX attempted to collect a premium payment in XX/XX/XXXX. When that failed, they issued a non-payment cancellation notice in XX/XX/XXXX XXXX months after I had already cancelled. They then sent this invalid {$220.00} balance to Credit Collections. Credit Collections has reported this account on my credit report since XX/XX/XXXX, last updated XX/XX/XXXX. I have previously disputed this with the credit bureaus but it remains open. This debt is not valid as I cancelled the policy before any non-payment occurred. I am requesting removal of this account from all three credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Bank of America business account holder. BofA initially credited {$7000.00} in fraudulent transactions as claim # XXXX from XXXX fraud acknowledging these were unauthorized. However, on XX/XX/year>, they reversed {$310.00} of that credit without notice or explanation : {$100.00} Temporary Credit Reversal {$210.00} Temporary Credit Reversal This mirrors the same fraud pattern on my personal account ( claim # XXXX ). BofA already determined it was fraud, credited me, now theyre taking it back. Theyre systematically reversing a credit they already issued while claiming to investigate.

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 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : URGENT FOLLOW-UP Furnisher Admitted Inaccuracy but Account Still Reporting ( FCRA Violation ) I am submitting this follow-up complaint regarding a previously filed case in which the furnisher responded through the Consumer Financial Protection Bureau , confirming that the account in question was flagged as inaccurate and would be removed. Despite this formal acknowledgment, the account continues to report on my credit file, which is a direct violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX has already admitted the information is inaccurate and that it would be removed. Therefore, there is no permissible basis for continued reporting, reinvestigation, or delay. Under the Fair Credit Reporting Act, all information reported must be accurate and verifiable. Reporting information that has already been deemed inaccurate is unlawful and constitutes continued harm to my credit profile. Additionally, I have not received any formal notification of deletion, nor any confirmation that the account has been removed, further demonstrating a lack of compliance and proper procedure. This situation reflects : - Failure to maintain maximum possible accuracy - Continued reporting of information known to be inaccurate - Failure to properly complete the correction process after acknowledgment I am demanding the following actions immediately : XXXX. Permanent deletion of this account from all credit reporting agencies XXXX. Written confirmation that the account has been removed via email at XXXX. XXXX. Assurance that this account will not be reinserted under any circumstances If this matter is not resolved immediately, I am prepared to escalate further for the enforcement of my rights under the Fair Credit Reporting Act. I have attached documentation of XXXX XXXX XXXX XXXX 's original response confirming the inaccuracy. This is not a request for reinvestigation. The inaccuracy has already been established. This is a demand for enforcement and immediate correction. Sincerely, 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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank chat reps gave incorrect guidance causing $ XXXX interest charges ( now $ XXXX from ongoing accrual ). I asked for final payoff : told {$16000.00} ( {$16000.00} balance + {$290.00} interest ). Paid in full. Account went negative ( overpayment ). Chat rep XXXX confirmed twice I could spend negative balance to {$0.00} interest-free : that is absolutely correct. Used -~ {$190.00} as instructed. Final {$18.00} purchase left ~ {$7.00} owed ; paid {$9.00} immediately. Woke to {$220.00} interest on interest-free transactions. Balance now growing daily. Never warned about billing cycles/caveats. Not until I reached out and spoke to multiple supervisors. I received an apology for the miscommunication-Have chat screenshots proving explicit guidance I relied on in good faith. Request : Reverse ALL interest ( $ XXXX ), set account to {$0.00}, close it.

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 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
I've been doing business with Chase for 15 years, had multiple accounts both business and personal, revolving lines spending over $ XXXX. Today my credit is near XXXX but Chase dropped all my credit limits significantly causing a drop in my credit score than siting that ( high limits ) as the reason for lowering the limits. They took XXXX in limits down to less than 10 % of that, one card I use daily they put at {$40.00}..... {$40.00}?.... making it useless. I'm closing my accounts with Chase because it makes more sense to switch banks with better offerings than to stay with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Kia XXXX sold me a car in 2023 with black marker used to cover cosmetic damage, and they propped up the trunk to make it look like the trunk was stable. It was dark and I bought this car at night and it was black so there was no way I could see the marker usage until the next day. Once I discovered it the next day I requested my trade back and was given the run around. I had a XXXX XXXX a few days later and could not mount a fight over this as I had to focus on my recovery. The car was later repossessed due to payment in arrears and Kia Finance XXXX XXXX. XXXX XXXX XXXX, TX XXXX, or XXXX FIN XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX Now wants me to pay full price for the deficiency owed after auction sale and has stated the full balance on my credit report which is incorrect being the cars value would have been changed if the unknown dame were there. CFPB states they do not handle this and I cant get help anywhere. I filed with several agencies and can't get help even though all my complaints were placed right after I got the vehicle. I have photos of the damage, and all the complaints I filed. CFPB has forwarded the complaint to the FTC.

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