vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I called in reference to a check deposited from my new employer, I was told they are unable to see the deposit! On my end from my Citi mobile app I can see pending typically when a paper check is deposited itll allow me to have access to some of the funds, the following day they whole check will clear. In This case I was told customer service can not see any deposits I would have to take a trip to NEW YORK to an actual bank to resolve this matter, Im located in XXXX This has been, by far, the worst banking experience I have had. This is now my fifth attempt to resolve issues with my account regarding a deposited check that Citi Bank can not locate. Despite multiple calls and repeated follow-ups, no one has been able to provide a clear explanation or resolution.

The lack of accountability, poor communication, and failure to track a customers deposit is unacceptable for a financial institution of this size. Citi Bank needs to seriously improve its customer service and resolution process, as this situation has caused unnecessary stress and financial disruption.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: SC

Complaint narrative:
Complaint Against Klarna Continued Unauthorized Charges and Late Fees During Active Dispute I am filing this complaint because Klarna continues to charge me and assess late fees for an order that was never delivered and has been disputed since XX/XX/XXXX. 

Despite clear notice and an unresolved dispute for Order # XXXX, Klarna has : Continued billing and assessed late fees during the dispute Withdrawn {$37.00} from my bank account on XX/XX/XXXX without authorization Attempted additional debits for the same disputed transaction Forced me to close my debit card to prevent further unauthorized withdrawals Sent automated responses claiming insufficient information while refusing to investigate These actions violate the Fair Credit Billing Act, Regulation Z, Regulation E, and UDAAP standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Mortgage company failed to provide notice of delinquency before starting foreclosure process. Called and verified with bank that no notice had been sent out regarding the current delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Complaints as previously mentioned. Company responded with multiple lies and denials as I countered in feedback by also referencing recorded conversations misrepresenting what is apparent unfair investigative measures to deflect and deny. This additional response is to ask why the company mentions only one of the recorded verbal interactions in their report? The particular discussion is accurately explained re : Executive Officer policy to not provide last names. Upon being advised as such, I immediately and respectfully honored the policy. This appears be strategic selective admission of recorded content while grossly denying the scope and entirety of the most relevant aspects of concern. The entire call was apparently to shift blame and prepare a response lacking any degree of integrity. I am utterly shock
ed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OR

Complaint narrative:
Received an email from Credit Control , LLC, on XX/XX/scrub>XXXX XXXXhat did include required information such as : My name and mailing information this was not provided The full account number associated with the debt ( if any ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date An end date for a 30-day period when you can dispute the debt The original email text follows, personal details omitted. 

Your Account Information Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Surge Reference Number : XXXX Original Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Balance : {$530.00} Ways To Pay Make a payment by visiting our website at XXXX 
Call us toll-free at XXXX to make a payment or discuss payment arrangements. Calls are recorded and may be monitored. You may ask for XXXX XXXX. 
Submit payment via U.S. mail to XXXX XXXX XXXX XXXX MO XXXX. Include the Reference XXXX  in the memo section. 
Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Hours of Operation ( ET ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone : XXXX If you wish to stop receiving email communication for this account, please click unsubscribe at the bottom of this message. 

This communication from a debt collector is an attempt to collect a debt. Any information obtained will be used for that purpose. 

It is the policy of the current creditor to delete the tradeline upon satisfaction. Please note, this applies only to the tradeline reported by XXXX XXXX XXXX and will not affect the tradeline of the original creditor or any other third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/XXXX, I was charged {$950.00} for a XXXX subscription that was processed through PayPal. The original debit occurred on XX/XX/XXXX. I contacted XXXX to request a refund because I did not intend to purchase this plan, and a refund was issued the same day. 

However, PayPal then issued two refunds for the same transaction under the same reference number one on XX/XX/XXXX, and another on XX/XX/XXXX. I did not request or authorize two refunds and was not aware at the time that a duplicate refund had occurred.

I later explained to PayPal that I do not regularly review individual statement line items because I generally pay my bills in full, so I did not notice the duplicate refund at the time. I acted in good faith throughout this situation and had no intention of receiving or keeping any improper funds. 

Separately, I contacted XXXX XXXX regarding the original charge. On XX/XX/XXXX, I spoke directly with XXXX XXXX, who confirmed that PayPal never attempted to collect any second charge from my card and that there was no unpaid balance or failed payment related to this matter. This confirms that there was never a second charge or delinquent account only a duplicate refund issued by PayPal due to a processing error.

This means there was never a second charge or delinquent account only a duplicate refund issued by PayPal due to a processing error.

Despite this, PayPal treated the duplicate refund as money I supposedly owed and sent the matter to a debt collection agency. The collector has repeatedly stated that I owe this amount based on PayPals user agreement, even though : I did not request or knowingly receive duplicate refunds Both refunds were issued by PayPal under the same reference number There was no second charge or unpaid balance This was a PayPal system processing error, not a consumer debt I have disputed this debt directly with the collection agency and with PayPal, explaining that this is a duplicate refund error and that I acted in good faith at all times. Despite this, the collector has continued attempting to collect the balance.

I have also repeatedly tried to resolve this directly with PayPal. I was told that a supervisor would call me back, but no one ever contacted me, and the issue was never resolved through PayPals escalation process.

Early in the process, I made a small payment of {$26.00} under pressure before fully understanding what was happening. Once I realized this was not a legitimate debt, I wised up to the situation and formally disputed the obligation in full. 

This situation involves attempts to collect a debt that is not owed, arising solely from a PayPal processing and accounting error. There was never a second charge, never a missed payment, and no intentional or knowing retention of funds on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing a formal complaint regarding Affirms handling of a loan dispute involving XXXX XXXX XXXX XXXX  ( operated by XXXX XXXX ). 
I financed a {$5000.00} digital program through Affirm based on the merchants advertised 30-day money-back guarantee. Within that refund window, I determined the product was materially unsatisfactory and submitted a refund request to the merchant in good faith.

The merchant acknowledged my request and stated that someone would follow up. No response occurred for nine days. I later received a late-evening phone call informing me that my refund was denied solely because I signed a contractdespite the existence of the advertised refund guarantee. 
Affirm has been provided documentation showing : The advertised refund guarantee My timely refund request The merchants delay and lack of written denial The merchants reliance solely on a signed contract to deny the refund I am concerned that Affirm may rely on the merchants position without adequately considering misrepresentation, failure to honor advertised guarantees, and unreasonable refund conditions for a digital product.

I am requesting CFPB assistance to ensure this dispute is reviewed fairly and that Affirm applies consumer protection standards and dispute resolution obligations rather than deferring to improper merchant defenses. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing a complaint against IQ Data International for unlawful debt collection, inaccurate credit reporting, and harassment.

IQ Data International is reporting an apartment-related debt originating from XXXX XXXX. This alleged debt was formally disputed by legal counsel before it was placed with IQ Data. The original creditor wrongfully withheld my security deposit, charged non-deductible items under Texas law, and ignored an attorney demand letter. 

Despite clear notice that the debt was disputed and legally defective, IQ Data International furnished this account to XXXX XXXX and XXXX, misrepresented itself as the original creditor, and has continued to update the tradeline, including as recently as XX/XX/year>. 

In addition to inaccurate credit reporting, IQ Data International has engaged in repeated and daily collection calls, including calls made after the debt was reported to my credit and after notice of dispute. This conduct is harassing and unlawful. 

As a direct result of IQ Data Internationals inaccurate reporting to all three consumer reporting agencies, I have been unable to secure rental housing, causing material financial harm, housing instability, and emotional distress.

I am seeking monetary relief, full deletion of the tradeline from all consumer reporting agencies, and cessation of all collection activity. This debt should never have been reported, and IQ Data Internationals continued conduct constitutes willful violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Summer XXXX I placed a restriction on my account due to a SSN leak that did not result in any issues XX/XX/XXXX called SoFi to lift restriction who told me that it will take up to 21 days for the restriction to be lifted XX/XX/XXXX after multiple calls placed between XX/XX/XXXX and XXXX I called back and was told I had a court order placed that day - spoke to XXXX ( SoFi Banking Department Account Manager ) informed me that the restriction on my account had been approved to be lifted however a court order was placed on my account that same day and therefore my account remained restricted. Call was disconnected. 
- called back and was connected to XXXX ( SoFi Banking Department Account Manager ). Was told that it was a levy that was placed XX/XX/XXXX. Was told that I will receive email with more information through email within 24 to 48 hours XX/XX/XXXX spoke to another account manager who stated that they could not give me any more information and to wait for an email XX/XX/XXXX spoke to XXXX ( business department ) who said that I should expect an email or call from an account manager ( no timeframe given ). While on hold I was disconnected- called back and spoke to another account manager from the business department. Disconnected while on hold - called back and got connected to XXXX again. Was told that a complaiont was placed on XXXX and the escalation team should be reaching out to me withion 24 to 48 business hours through phone or email - placed a complaint online with the consumer financial protection buearu

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
My account was closed XX/XX/2025. It is currently 30 days past due. My remaining balance of over {$700.00} dollars has not been returned. I have not been given a clear timeline or confirmantion of when my funds will be released. I am requesting immediate return of my remaining balance and written confirmation of the delivery method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint as a consumer disputing information on my Experian credit report that I believe is inaccurate or has not been properly verified. 

Credit Inquiries The following inquiries appear on my Experian credit report. I do not recognize or recall authorizing all of these inquiries and request documentation showing permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting Experian confirm that each inquiry was made with my authorization. Any inquiry that can not be verified should be deleted. 

Late Payment Reporting The following accounts show late payment history that I dispute due to potential inaccuracies : XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX If Experian can not verify the accuracy of these late payments, they should be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Central Research Inc
State: WA

Complaint narrative:
I am filing a complaint regarding CRIs credit reporting practices related to my federal student loans. 

I have a long history of responsible, on-time payment across all of my student loans, which were typically managed and paid as a group. Automatic payments had been enabled and used successfully over an extended period. 

Without my intent or awareness, automatic payments were turned off. As a result, I fell behind unintentionally. Once the issue was discovered, I took steps to bring the account back into good standing. 

Because my loans are reported as multiple separate tradelines, this single lapse resulted in delinquency being reported simultaneously on ten separate accounts. This created a severe and disproportionate negative impact on my credit profile that does not accurately reflect my overall payment behavior or creditworthiness.

While CRI states that reporting at 90 days past due is required, my concern is not simply that a delinquency was reported, but that : - Autopay termination was not clearly disclosed or reasonably noticeable - A single oversight resulted in multiple simultaneous derogatory tradelines - No individualized review was conducted to assess proportionality or borrower intent - Frontline customer service stated that goodwill review is categorically unavailable, without addressing the underlying fairness or accuracy concerns I am requesting that CRI conduct a formal compliance review of : - Whether XXXX termination notice met disclosure requirements - Whether the credit reporting accurately and fairly reflects the circumstances - Whether any correction, adjustment, or alternative reporting is appropriate given the unique impact of this event I am not disputing that payments were missed. I am disputing whether the reporting as furnished is fair, proportional, and compliant given the circumstances. 

I am seeking resolution through review and correction where appropriate. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, Wells Fargo processed two charges from XXXX for {$210.00} and {$200.00} related to therapy sessions I booked through the XXXX  platform in XXXX and early XXXX. 

I entered my XXXX Open Access Plus insurance on UpLift and was matched with a provider labeled Accepts XXXX. I was also told my cost would be a {$25.00} copay. XXXX website states that out-of-pocket costs are provided before sessions, but I never received any pricing or billing notice before treatment. 

After the charges posted, XXXX confirmed that neither XXXX nor the provider were in-network and that the provider has not been in-network since XX/XX/year>. This directly contradicts both the provider profile and an email from XXXX confirming the provider was credentialed with XXXX in Texas. 

I provided this documentation to Wells Fargo, but the dispute was denied solely because services were rendered, without addressing the misrepresentation or pricing failure under the Fair Credit Billing Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma, LLC
State: NV

Complaint narrative:
XX/XX/year> XXXX Credit Karma Email used for this account is XXXX Credit karma stated approval odds, very good or you receive {$50.00} if denied I applied thinking I would be approved and I was denied. This is the second time they did this to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
On or about XX/XX/year>, I experienced an issue with XXXX XXXX XXXX XXXX XXXX billing and fees after my account was closed. 
What happened : On XX/XX/year>, the company charged {$1400.00} for alleged damages and additional utility fees. I was not provided a proper walk through before handing over the keys. 
Actions I took : Between XX/XX/XXXX and XX/XX/year>, I contacted the company multiple times via email and phone requesting an itemized statement and provided photographic and video evidence showing no damage. I also provided proof of payment covering utilities for the disputed time period. 
Companys response : The company failed to adequately address my dispute and continued to insist on the charges without even taking into account the proof I have. They sent me over a Itemized bill, stating that they " recommended '' the carpet be changed due to normal ware and tear.

Resolution requested : I am requesting removal of the disputed charges and return of the amount improperly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am disputing an alleged negative balance on my checking account with Navy Federal Credit Union. 
On or about XX/XX/year>, I tendered payment for the full stated balance of {$510.00} via written settlement documentation sent by certified mail, including a promissory note tendered for settlement and discharge of the account. 
Following this tender, I sent multiple written requests to Navy Federal Credit Union seeking verification of the alleged balance, including a complete accounting, proof of lawful liability, and confirmation of how the balance remained due after settlement was tendered. 
Navy Federal Credit Union failed to respond substantively to these requests within the stated cure periods. No accounting, contract verification, or lawful explanation for the continued balance was provided. 
Despite my documented good-faith efforts to resolve the matter privately and administratively, the credit union continued to assert a balance without producing verification or addressing the settlement tender. 
I believe this constitutes a failure to provide required account information, improper handling of a disputed balance, and unfair treatment of a consumer attempting to resolve an account in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation