vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XXXX XXXX, I had a previous balance of {$1400.00} with minimum payment of {$41.00} due on XX/XX/2026. I went to Citibank online and scheduled the last month balance to be paid from my Citibank Checking account. On XX/XX/2026, Citibank online did Autopay of {$54.00} from my Citibank Checking account to Citicards XXXX. Citibank online system then canceled my manually scheduled last month balance payment. I was not aware of this fact and Citibank did not inform me. Citicard charged me {$42.00} as interest on XX/XX/2026 and {$18.00} as interest on XX/XX/2026 I want the refund of XXXX XXXXXXXX {$18.00} ( total of {$61.00} ) which was charged as interest by Citibank online system automatically canceling my manually scheduled last month balance payment after Min payment Auto payment.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear sir/madam, On XXXX, Wells Fargo charged me an annual fee {$95.00} on my credit card XXXX XXXX XXXX account XXXX XXXXXXXX. I called and a XXXX confirmed the fee would be credited back so I could close the account. The account was closed but the credit was never applied. Because of this delay, interest was charged on the fee balance. I am requesting immediate reversal of the annual fee, removal of all related interest charges, and confirmation of account correction. I filed the complaint with XXXX but no XXXX team ever contacted to me yet. My reference XXXX XXXX. Despite contacting XXXX and receiving reference XXXX, the fee still has not been reversed and additional interest was charged to me I had couple calls to follow up but still have not received any update on email, message in XXXX app, or mail. Since I already closed out this account ( No any benefit for this account anymore ) and this fee means for XXXX, I honestly think that XXXX doesn't have the right to charge me for this fee. I also notice this fee and interest charge was reported to my credit card report which impacts to my credit a lot. Today I am submitting this case, and looking for solution at my situation at your earliest convenience Thank you so much for your time! Best Regards, XXXX XXXXXXXX XXXX PS : I have attached detail of my statement in XXXX, XXXX & XXXX and my history of phone calls regarding to case

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Skrill for unfairly restricting my account and refusing to release {$8900.00} of my funds. On XX/XX/year>, Skrill suddenly restricted my account without providing a legitimate explanation and blocked me from withdrawing my own money. Since then, they have continued to hold my funds while repeatedly delaying resolution and providing vague, generic responses. I fully complied with every request Skrill made. I submitted over 10 bank statements, proof of income, identity verification documents, and additional financial records to prove the legitimacy of my funds and activity. Despite this extensive cooperation, Skrill still refuses to restore access to my account or allow me to withdraw my balance. At this point, Skrills actions appear abusive, deceptive, and intentionally obstructive. A financial company should not be allowed to indefinitely freeze nearly {$9000.00} of a customers money while refusing to provide a meaningful explanation, clear timeline, or resolution. Skrill continues to benefit from retaining control of my funds while I am denied access to my own property. This has caused significant financial hardship, stress, and loss of trust. Skrills conduct raises serious concerns about unfair account restrictions, withholding of consumer funds, and failure to provide adequate transparency or due process. I am requesting that the CFPB require Skrill to : * Immediately release my {$8900.00} balance ; * Restore withdrawal access to my account ; and * Provide a full written explanation for the restriction and continued withholding of my funds. I also request that Skrills account restriction and fund withholding practices be investigated to determine whether other consumers are experiencing similar treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a note message from my banking ( XXXX ) that I have a major derogatory report on my credit report. I went to XXXX and viewed my report and there was a fraudulent charge from a Debt Collector ( Aligned Balanced ). The originator of this loan was " Cash Net USA '' for {$1000.00}. Now I owe {$2400.00} to pay off the debt. Apparently this was opened for {$1000.00} XX/XX/year>. I never received any correspondence throughout the year. When XXXX emailed me this was the first time to be alerted to this change. What I can only think happened was the {$1000.00} XXXX XXXX loan was taking out via identity theft, then the perpetrator was given a year to pay it and was delinquent. The note said I was 120 days overdue. My score was in the XXXX 's and dropped XXXX points because of this. I have excellent credit to debt ratio, have not missed a payment in years ( or maybe even my entire life ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Revenue Corporation
State: TX

Complaint narrative:
To Whom It May Concern, ACCOUNT NUMBER : * * * * * XXXX ACCOUNT NUMBER : * * * * * XXXX This letter serves as a formal dispute of the above-referenced account and a demand for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), and the Tennessee Consumer Protection Act ( TCPA ). I previously disputed this account ; however, UNITED REVENUE CORPORATION, has failed to provide sufficient documentation to validate this alleged debt while continuing to report it on my consumer credit report. As a debt buyer, UNITED REVENUE must provide competent evidence of the alleged obligation. To date, the company has failed to provide such evidence, and continued reporting of this account raises serious concerns regarding compliance with federal and state law. Specifically, the company has failed to : Provide a copy of the original signed contract or agreement bearing my signature Provide complete account statements from the original creditor Provide a valid chain of assignment proving ownership of this debt Provide documentation showing the date of first delinquency Provide a full and accurate accounting of the balance being reported Provide proof of legal authority to collect this debt Under 15 U.S.C. 1692g ( b ), you are required to cease collection activities until proper validation is provided. Additionally, under the FCRA, you are prohibited from reporting information that is not fully verified and accurate. UNITED REVENUE CORPORATION has failed to proprly validate this account and is therefore reporting unverified and potentially inaccurate information. Because of this failure, I am demanding the following : XXXX. XXXX deletion of this account from all consumer reporting agencies XXXX. Written confirmation of deletion. 3. Cessation of all collection activity related to this account Until proper validation is provided, you must : Cease all collection efforts Refrain from verifying or re-reporting this account Avoid any misleading representation regarding this alleged debt I do not consent to telephone communication. All communication must be in writing. This complaint is being documented and may be submitted to the Consumer Financial Protection Bureau, the Federal Trade Commission, and other regulatory agencies for further review if this matter is not resolved promptly. Failure to comply may constitute violations of federal and state law. I expect an immediate resolution to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing this complaint because Chase improperly handled my dispute regarding a purchase for merchandise that was never received. The original dispute was mistakenly filed as an unauthorized transaction. However, I authorized the purchase. The real issue is that the merchandise was never delivered by the seller. After the case was closed, I contacted Chase multiple times requesting that the dispute be corrected or reopened under the proper category of merchandise not received. Chase refused to properly investigate the matter under the correct dispute reason. The payment was processed through XXXX, and XXXX informed me they could not investigate the claim because Chase had already initiated a chargeback investigation. This leaves me without any resolution process available. I am requesting that Chase : * Reopen or initiate a new investigation under merchandise not received * Properly review all evidence related to non-delivery * Provide a fair investigation under the correct dispute category I have attempted to resolve this issue in good faith and believe my consumer dispute rights were not properly handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I apologize for having to create another case, but I received an email from another debt collector who LVNV has sold one of my accounts in question to - while they still havent responded to the CFPB regarding the most recent claim filed. There are differences between what they were trying to collect from me monetarily between LVNV and XXXX ( the new company ). LVNV had misclassfied the loan in my opinion and they removed this collection from at least XXXX of my credit reports so that they could delete their tradeline in addition to LVNVs illegal behavior in my opinion regarding this collection. Quote about LVNV on new Email from XXXX about how they are taking over this debt collection process It is the policy of LVNV Funding LLC, the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by LVNV Funding LLC and will not affect the tradeline of the original creditor or any other third party. XXXX XXXX services includes this quote in several areas including the email and On the website when I attempted to Gather more info on the loan

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Company : Synchrony Bank Product : Amazon Store Card Issue : Deceptive enrollment in Payment Security debt protection program I have been charged a monthly " Payment Security '' fee on my Amazon Store Card account since approximately 2017 without my full understanding or informed consent. I discovered this charge recently and immediately cancelled the program. I was enrolled through a checkbox during my card application in 2017 that I do not recall checking or understanding to be enrollment in a paid monthly program. When I contacted Synchrony, a representative confirmed the box was checked on my application, but I have no way of knowing whether it was pre-checked by default, which is a practice widely reported by other Synchrony customers. I have never filed a claim or used this program in any way. I pay my balance in full every month, meaning I received absolutely zero benefit from this program. When I contacted Synchrony, they offered a refund of only {$190.00}, which does not represent the full amount charged since 2017. I am requesting a full refund of all charges since enrollment. Based on Synchrony 's fee rate of {$1.00} per {$100.00} of balance, I have been paying this fee for approximately nine years. I have found numerous other consumers reporting the same experience with this program, suggesting this is a systemic practice rather than an isolated incident. The CFPB has previously taken enforcement action against Synchrony Bank for deceptive marketing practices, resulting in {$56.00} XXXX in consumer refunds to approximately XXXX consumers. I believe this Payment Security enrollment is part of the same pattern of deceptive conduct. Synchrony has informed me it will take 7-10 business days to provide my complete Payment Security charge history since 2017, further limiting my ability to calculate the full amount owed. I am filing this complaint now and will supplement with the total amount once Synchrony provides that information. I am requesting the CFPB investigate this matter and require Synchrony Bank to refund the full amount charged since 2017.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
i am disputing this acount along with others that were from a past marriage as my ex wife took on debt that wasnt mine we have been divorced for years she has filed for bankruptcy and this should no longer be on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im having an issue with fraud of some sort. My bank account is in the negatives someone somehow got access to my account and withdrew a check for {$5000.00} I didnt have. Mind you the transaction was made across the state. I was freshly XXXX at the time I have work and school with no time to have done that and I made my bank aware of this when I called them. Its been over a month they said they would get back to me in 10 business days and still havent yet. At this point I just want my balance to be at {$0.00} so I can close the account and open with a new bank

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
On XX/XX/year>, my bill was due and I have autopay set up well when the date came around its on a weekend and I assumed I was fine because banks dont process transactions on the weekends. As the days roll by I notice that my bill is overdue and that autopay was turned off. I did not turn off my autopay. Matter of fact all my cards have autopay enabled. I always have issues with my autopay randomly turning off with Concora credit this time it was pertaining to a milestone card. When I called I told them my autopay was on and that somehow it was turned off. They told me yes autopay is off and I said it was on but they just kept repeating its not enrolled now. I called twice and one person just requested my name which is normal and she was no help so I hung up and called again. This time I got someone and they requested my last 4 digits of social and date of birth. I asked the same questions and they said they would be reaching out to a higher up about the issues and I closed my account with them. I read online that its a common practice that when they update systems that autopay would disable and Im not the only one this has happened to. I now am over limit and owe them XXXX dollars. This is a company thats supposed to help people build there credit but actually create a bigger hole in finances for there benefit. Nothing but shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I moved out of my former apartment approximately XXXX XXXX XXXX and was never contacted regarding any alleged outstanding balance, damages, move-out charges, or collection activity. I never received an itemized statement, certified notice, or any documentation explaining why I allegedly owed money. Additionally, my security deposit was never returned, and I was not provided with any written notice of deductions or claims against the deposit after move-out. Months later, I discovered a collection account on my credit report for an alleged apartment debt that I dispute. I have not been provided with proper debt validation or documentation supporting the amount being reported and collected. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt, including an itemized breakdown of charges, copies of supporting documents, proof of the collectors authority to collect, and proof that the debt is accurate and legally owed. Under the Fair Credit Reporting Act ( FCRA ), credit reporting information must be accurate and verifiable. I dispute the accuracy and validity of this collection account until proper validation is provided. I also know the apartment complex may have failed to comply with Florida landlord-tenant laws regarding required notice and accounting related to security deposit deductions and alleged move-out charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My phone was stolen, and my Cash App account was accessed without my permission. On XX/XX/year>, an unauthorized transfer of {$1500.00} was made from my Cash App account to another individuals debit card. I did not authorize, approve, or participate in this transaction. I did not share my login information or give anyone permission to access my account. This was an account takeover that occurred due to the stolen device.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am formally disputing this alleged debt reported/collected by National Recovery Agency . I requested proper validation of this account and have concerns that the debt has not been properly verified under the Fair Debt Collection Practices Act. The collector is attempting to collect an alleged balance of {$2300.00} dated XX/XX/year>. I dispute owing this debt and request full validation, including : The original creditor name Complete account statements Proof National Recovery Agency has authority to collect Proof the balance is accurate If the company can not properly validate this debt, I request deletion of any related reporting from all consumer reporting agencies. I also request that collection activity stop until proper validation is provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: OH

Complaint narrative:
On Tuesday, XX/XX/year>, I contacted Wells Fargo immediately to report and freeze {$9200.00} in pending fraudulent XXXX XXXX XXXX ' transactions. The frontline representative closed the card ending in XXXX but failed to log the dispute correctly. Due to an internal Wells Fargo software mapping error, the bank allowed the explicit {$9200.00} in fraudulent charges to seamlessly transfer over and permanently post onto my newly issued credit card number rather than blocking them. Because their automated system checked the old card number and saw that the charges hadn't finalized on that specific line, it erroneously generated a letter dated XX/XX/year> ( Claim ID : XXXX ), stating the transactions 'did not post ' and falsely claiming all posted charges on my account were valid and authorized. When I called to correct this administrative error, the bank refused to issue an immediate provisional credit. Instead, they forced me to issue a third credit card number, start a brand-new dispute file, and wait an additional 7 to 10 business days while holding a {$9200.00} fraudulent balance against me on Wells Fargo Case Number 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 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had a car loan with Capital One Auto for over 6 months. I am trying to refinance for a lower APR and payment with another company. They are claiming to not have the correct paperwork because they do not own the lien. I am unable to request correct paperwork through XXXX ( the original lien owner ) and have it transferred to Capital One. Capital one keeps telling me I need to call XXXX and XXXX keeps telling me I need to have Capital One call them but Capital One refuses. At this point it is costing me hundreds of dollars and I just want the correct paperwork so I can refinance my car loan. If capital one does not own my line then they legally can not reposes my car.

Company response to consumer: Closed with explanation