vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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: NY

Complaint narrative:
Citibank denied my fraud claim multiple times for an unauthorized transaction despite clear evidence that the charge was not made by me. A fraudulent charge was made using my cards EMV chip and Citibank denied the claim solely because they say the physical chip was present. However, I did not make this purchase, and my daughter who theyre saying was present with the chip was at work in XXXX XXXX , at the time of the transaction that happened in XXXX XXXX XXXX Before this happened, Citibank had mailed me a replacement card because my original card was expiring, but the replacement card under my daughters name never arrived, suggesting it may have been intercepted or stolen, I tried to call them and they told me not to worry my daughters card who is an authorized user is on its way and shipped out separately and that its on the way, we got a fraudulent charge XXXX $ from a Diner in XXXX XXXX and {$300.00} from a flower shop, and I called again to cancel the whole card and get new numbers. Citibank failed to properly investigate this fraud, ignored the fact that I nor my authorized users were not physically present where the transaction occurred, and is now unfairly holding me responsible for a charge of {$410.00} I did not authorize. I tried requesting a full reinvestigation, reversal of the charge, and accountability for their inadequate fraud handling. I am not someone who files disputes, it has been years. Their customer service treats such loyal customers terribly, they dont understand the situation at all they are lost. After this I am considering completing withdrawing any further business with them, they are unreasonably unprofessional.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing one or more accounts that are inaccurately reporting on my XXXX and TransUnion credit reports. My personal information was compromised in a data breach, and as a result, fraudulent accounts were opened in my name. I have filed an Identity Theft Report with the Federal Trade Commission and have attached the documentation as supporting evidence. I have never applied for, authorized, or benefited from these accounts. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I respectfully request the immediate blocking and permanent removal of these accounts, cessation of any further reporting, and written confirmation once the deletions have been completed.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Some transaction was made on my account. That I did not process I ask chime to dispute is they never did. XX/XX/XXXX from XXXX XXXX XXXX in the amount of {$220.00} and XX/XX/XXXX in the amount of XXXX from XXXX & XXXX and XX/XX/XXXX in the amount {$150.00} from XXXX XXXX XXXX And the amount {$330.00} from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
REQUEST TO REOPEN DISPUTE SERVICES NOT RENDERED / MISREPRESENTATION Transaction : XXXX XXXX XXXXL {$900.00} Booking : XXXX Claim : XXXX To Whom It May Concern, I am requesting that my previously closed dispute be formally reopened under a corrected basis. This is not a dispute regarding a non-refundable booking. I acknowledge those terms. This dispute concerns a bundled transaction that included travel insurance, which I purchased specifically to protect against cancellation. At the time of cancellation : The insurance policy was active A valid claim was submitted However, the insurance coverage was automatically cancelled due to system interaction between XXXX and XXXX, despite the claim already being in process. As a result : The insurance protection I paid for did not function My claim could not be processed I received no benefit from the service purchased This constitutes : Services not rendered as described Misrepresentation of the bundled product The prior dispute decision addressed only the non-refundable nature of the booking and did not consider the failure of the associated insurance product. Request : Please reopen and review this dispute under the correct category : services not rendered / misrepresentation. Attached : 1. Full Demand Package with Exhibits 2. XXXX Cancellation Confirmation ( system-triggered ) 3. Claim Submission Confirmation 4. Prior Dispute Determination Thank you for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I am filing this complaint regarding multiple unresolved disputes on my XXXX account. On XX/XX/year>, I made several purchases ( including transactions of {$77.00}, {$47.00}, and {$23.00} ) for items that were never received. I filed disputes with XXXX for item not received, and these disputes have already been escalated. Despite providing all requested documentation and following up multiple times, these disputes have now been under review for over 90 days with no final decision or meaningful updates. I have requested status updates and proof of delivery from XXXX, but no clear information or resolution has been provided. I am requesting that XXXX complete their investigation and issue a final decision on these disputes, including refunds where appropriate, as the items were never delivered and no valid proof of delivery has been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: OH

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 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: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Issue : Unauthorized recurring charges/ Failure to block merchant Company Name : Citizens Bank Product : Checking Account ( Student Checking ) Complaint : I am filing a complaint regarding ongoing unauthorized recurring charges from a merchant called XXXX that Citizens Bank has failed to effectively stop, despite multiple good-faith attempts on my end. I initially signed up for what appeared to be a {$1.00} trial service with XXXX and they're planning to charge me on the XXXX of XXXX for {$29.00} despite my attempts at canceling and getting Citizens Bank to help me. Between XX/XX/XXXX and XX/XX/XXXX, I contacted Citizens Bank four separate times ( by phone and in person ) requesting assistance to stop these charges, including requesting a merchant block and opt-out from automatic card updater services. I was informed these actions are not possible or were not fully implemented. The best I was able to get was a Citizens Bank representative over the phone claimed to have 'wiped all tokens ' and issued a third card on XX/XX/XXXX, which is set for arrival on the XXXX or XXXX. Because I revoked authorization with both the merchant and Citizens Bank prior to this date, this transaction constitutes an 'unauthorized electronic fund transfer ' under 12 CFR 1005.2 ( m ), and the banks failure to prevent itdespite claiming to have wiped all tokensis a direct violation of my consumer rights. To stop these charges, I took the following actions : Replaced my debit card multiple times ( currently on my third card ) Froze my account Removed all digital payment tokens Filed a formal dispute with Citizens Bank ( XXXX under Claim Number XXXX ) Requested merchant blocking and opt out from automatic card updater services Despite these actions and my revocation of authorization, the merchant has successfully processed past charges under the alias of " XXXX XXXX XXXX XXXX XXXX '', and Citizens Bank has confirmed they can not stop the next scheduled charge on XX/XX/XXXX without a XXXX opt-out, which they have refused to perform. I am aware of the XX/XX/XXXX, Stipulated Final Judgment and Order in CFPB v. Citizens Bank , N.A. ( XXXX XXXX. XXXX ), where Citizens Bank was fined {$9.00} XXXX for failing to reasonably investigate fraud claims and failing to refund all fees associated with unauthorized use. This raises concerns given prior regulatory actions involving similar issues with dispute handling. If Citizens Bank is unable to prevent further charges from this merchant, I will need to close my account to protect my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Full payment was made to original creditor XXXX on XX/XX/XXXX. XXXX was in process of being defaulted during this time. Payment was accepted by XXXX. The department of education XXXX XXXX XXXX reported to my credit on XX/XX/XXXX with a balance. I contacted them with information that I had paid balance. I faxed them a dispute form on XX/XX/XXXX with documents showing I made full payment. I faxed them again on XX/XX/XXXX with more evidence that the payment was made in full to XXXX. I received a letter stating that they received all my documents but are unable to accept that and that the balance is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
The fact the down payment was not paid with my own payment method and I didnt have enough to cover the down payment which at the time of my own accord I was forced as threat of eviction if I didnt comply from my only available living situation and was unable to even use said vehicle due to being an over XXXX XXXX XXXX meaning I clearly did not purchase said vehicle of my own need or volition and was clearly coerced There is no reasonable expectation an over XXXX XXXX XXXX XXXX who was gone for a following 10 months that didnt use said vehicle had any need or willing purchase of the vehicle with great emphasis on the fact I did not make the down payment myself This was a coerced debt forced by my father and my only living situation and this was a debt coerced in duress of homelessness/non compliance I didnt have the means to cover the down payment myself at the time They also attempted collections at odd hours to include between XXXX and XXXX The down payment of {$2000.00} was not even covered of my own means as supported by bank statement

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject : Urgent : Chargeback Dispute No Resolution or Documentation Hi, I am following up on my dispute regarding XXXX XXXX XXXX XXXX. I was told the case was reopened, however : I have received no written confirmation I have received no updates It has now been nearly two months without resolution I provided extensive documentation, including photo and video evidence, as well as email correspondence showing the merchant failed to perform the service as claimed and did not respond to multiple attempts to resolve the issue. At this point, I am requesting : Written confirmation that the dispute has been reopened A clear status update and timeline for resolution Documentation of any response or evidence provided by the merchant If I do not receive a response, I will be proceeding with a formal complaint through the Consumer Financial Protection Bureau. Please treat this as urgent. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am contacted frequently via phone. Also received court notification to show up

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
I am filing a complaint against MOHELA for inaccurate credit reporting. I was explicitly informed by MOHELA that my account would not be reported as late during the time period in question. Despite this, they have reported multiple 90-day late payments to all three credit bureaus. This reporting is inaccurate and has caused significant damage to my credit score. I relied on MOHELAs representation, and this has resulted in detrimental harm to my ability to obtain credit. I am requesting : Immediate removal of all late payment notations Correction of my account to paid as agreed Notification to all credit bureaus to update my credit file If this issue is not resolved, I am prepared to pursue further action under the Fair Credit Reporting Act. I need this matter resolved urgently.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM financial failed to disclose insurance requirements for the shipping of my car on their own time frame. Causing me to lose my vehicle. Since they had blocked my access to the evidence, the app the email link. But I took screenshots. After the loan was paid off, they took an unauthorized payment on XXXX causing an overdraft and a XXXX $ fee from my bank. I have been in and out of the ER 3 times since right after the encounters with XXXX complications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
My cashapp account was hacked. My checking account that was connected to my cashapp was used to purchase and sell stocks. Then sent money to someone I have never heard of or met. I reached out to both cashapp and my bank. My bank stated this was an issue with cashapp and sold they would not cover the transactions. Cashapp discussed through chat and then an email asking for all the information. I provided everything and their investigation came back inconclusive and they would not be able to cover my loss either

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing a formal complaint against Wells Fargo regarding ongoing and repeated disruptions to my bank account, including improper transaction denials, unnecessary debit card cancellations, and what appears to be unjustified fraud flagging. Over the past several months, Wells Fargo has repeatedly declined legitimate transactions, even when sufficient funds were available in my account. These transactions include recurring subscriptions such as XXXX, XXXX, XXXX XXXX XXXX XXXX. These declines have caused service interruptions and required me to repeatedly update payment methods. In addition, Wells Fargo has canceled and reissued my debit card multiple times as a result of these flagged transactions. This has created a continuous cycle of disruption, preventing me from maintaining consistent billing for essential services. Most recently, I attempted to send {$310.00} to my granddaughter using XXXX for essential expenses. This transaction was blocked under a claim of suspected fraud related to the phone number used. This claim is incorrect. The transaction was legitimate, and the phone number was accurate. As a result, I was unable to provide timely financial assistance to my family member. At no point has Wells Fargo provided a clear or sufficient explanation for why my account continues to be flagged or why legitimate transactions are being denied. I believe my account may be improperly restricted, and these actions are interfering with my ability to manage my finances. I am requesting the following : A full investigation into my account and an explanation for the repeated fraud flags and transaction denials. Immediate removal of any improper restrictions or flags placed on my account. Assurance that legitimate transactions, including recurring subscriptions and XXXX transfers, will no longer be blocked. An explanation for the repeated cancellation and reissuance of my debit card. Steps to ensure this issue does not continue in the future. These repeated disruptions have caused financial inconvenience, stress, and interference with my ability to meet personal and family obligations. I am requesting prompt resolution of this matter. Sincerely, 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 monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Dear CFPB Staff, It is a pleasure to meet you remotely. I am writing to you as XXXX XXXX, XXXX of XXXX of XXXX XXXX, XXXX XXXX : XXXX. Background : On or around XX/XX/XXXX ; 2 US treasury checks were mailed to XXXX Of XXXX XXXX, XXXX official mailing address : XXXX Of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Erroneously, these checks were deposited into the wrong bank account. Check # 1 Quarter XXXX XXXX- XXXX refund mailing on XX/XX/XXXX in the amount of {$33000.00} Check # XXXX. Quarter XXXX XXXX- XXXX refund mailing on XX/XX/XXXX in the amount of {$56000.00} for a total of {$89000.00}. We were previously provided with two options by Truist Bank : 1. IRS route or 2. Open up the correct bank account with Truist Bank by providing necessary documentation. Option 1. IRS route- we have spoken with the IRS on various occasions and they simply state that theyre solely responsible for verification of our overpayment to the IRS and if so, they are responsible to provide XXXX reimbursement check to Inspire of XXXX XXXX XXXX XXXX, which they simply state has been done. Checks were collected from our mailbox, signed, but deposited into the wrong bank account. Option 2. Open up the correct bank account with Truist Bank by providing the necessary documentation for XXXX of XXXX XXXX, XXXX XXXX : XXXX. This has been completed. Now, we simply request immediate return to XXXX Of XXXX XXXX, XXXX, its funds that have been illegitimately held hostage by Truist Bank for over a year. They must immediately return funds to XXXX of XXXX XXXX XXXX Account : XXXX Routing : XXXX Or by mailing a certified bank check to : Mailing address : XXXX XXXX XXXX XXXX, Pennsylvania XXXX Resolution of this issue : 1. Immediate return of XXXX of XXXX XXXX, XXXX funds held by Truist Bank or {$89000.00}, as these funds belong to XXXX Of XXXX XXXX, XXXX and NOT Truist Bank nor is it within their jurisdiction to withhold returning of these XXXX deposited checks. Funds must be immediately returned to : XXXX Of XXXX XXXX, XXXX Account : XXXX Routing : XXXX Or as a certified cashiers check to : XXXX of XXXX XXXX, XXXX Mailing address : XXXX XXXX XXXX XXXX, Pennsylvania XXXX 2. Restitution of {$43000.00} for lost time, wages, additional CPA fees and efforts over this past year. 3. Immediate return of all accumulated interest over this past year ( {$89000.00} x conservative rate of .05 % equals {$4400.00} ) 4. Other Immediate restitution, fines, fees and/or penalties imposed by CFPD so that this would not happen to any future Truist Bank clients . 5. Public apology by Truist Bank. 6. Any other penalty as legally determined appropriate by CFPB.

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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I sent a written debt validation request to LVNV Funding and requested proper documentation of the alleged debt, including the original contract, full account statements, and proof that I am legally responsible for the account. The company responded, but the information provided was insufficient to validate the debt. They only provided internal screenshots or system-generated information, which does not constitute proper validation. They did not provide a signed contract, complete account history, or proof of assignment showing that they have the legal right to collect this debt. Despite my request for proper validation, they continue to report and attempt to collect the account. This is inaccurate and harmful to my credit. I made a good faith effort to resolve this directly with the company, but they failed to provide proper documentation to support their claim

Company response to consumer: Closed with explanation