vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am reporting unresolved fraudulent charges on my Citibank credit card account ( across multiple account numbers ) that have remained unresolved for over XXXX months despite repeated attempts to correct the issue. Since XXXX, I have consistently disputed unauthorized transactions and have spent significant timeacross numerous callsworking with customer service. Despite this, Citibank has continued to deny my claims without conducting a reasonable or good faith investigation. I never received any replacement credit cards that Citibank claims were issued. I have repeatedly stated this on recorded calls over multiple months. Citibank denied my disputes based on XXXX chip transactions, asserting the charges were made with a physical card by XXXX or my authorized user This is not possible, as we did not have a card in my possession at the time of the transactions. Citibank also claimed that an authorized user confirmed possession of the card. This is false. My husband is the only authorized user, has never received a card, and has never contacted Citibank and my phone number is the only number on record with Citibank I have contacted Citibank monthly since XXXX and have never been contacted by the fraud investigation department. My disputes appear to have been repeatedly denied without meaningful review or coordination between departments. I ultimately closed the account after continuing to receive statements reflecting fraudulent charges. These charges are now negatively impacting my credit, which has otherwise been excellent. I maintain high monthly spending across other financial institutions, including XXXX XXXX and XXXX. The disputed amount ( under {$2000.00} ) is not significant relative to my normal spending and would have been paid immediately if legitimate. The time and effort required to resolve this issue far exceeds the value of the charges.

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 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
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: U.S. BANCORP
State: GA

Complaint narrative:
In XXXX when XXXX hit, it hit me hard. I had a huge loss of income, not only loss of income but loss of self. My ex boyfriend at that time, was XXXX up for almost XXXX XXXX and then while XXXX up harressing me with none stop calls and threats sent to me and my family by my ex boyfriend. The XXXX heard his threats to me and had him sent to XXXX for XXXX years then that's when my life changed forever. My bank account and my credit cards were used, while I could only see the bank account being used, I didn't know my credit cards were also. So then after calling my bank, bank XXXX XXXX for the XXXX time about the charges, the bank without me knowing closed my account and sent back any checks that was sent to be put in account. So when I tried to pay bills, I couldn't pay them. I called bank, they said my account was closed and I had to bank with another company. I had no money, so XXXX months later I finally got another bank and got my money sent to that bank. Well my bills was XXXX months late and everything cut off, I have a XXXX son, XXXX XXXX has passed away years before so no one to help us with food or bills. So I worked myself to death to come up with a plan to get us by and that was XXXX. I tried to use my credit card but there wasn't anything on the card. Then the court papers started being sent to me. Not to be in court but the credit card company had won in court against me. How could that be, I wasn't notified of any court date. I called my mortgage company to get a XXXX plan in place. I was able to do so. But now I owe XXXX more than I did before the plan was put in place. I owed XXXX now I owe XXXX. I've called a number of times to find out what's going on. I get different answers each time. I got a lawyer and they just took XXXX from me and never got a answer from them either. I've complained about this already but I gotten no where so far. I'm hoping this time will be very different. Please look into this, ivecome so far since then. And I'm so proud of myself, and I need this to be fixed as well. Thank you so much

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 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NORTHERN OHIO INVESTMENT COMPANY
State: OH

Complaint narrative:
I am a home inspector and was asked to perform a structural inspection at XXXX XXXX XXXX, XXXX, OH and did so on XX/XX/year>. My findings were presented in letter form to the lender and very clearly stated there were no structural issues with the home. An underwriter has rejected my letter and I since revised it 3 times to try to satisfy the underwriter with no luck. I have been told They don't like the format I used and should you bullet points??? Why does the format matter as long as the concern is satisfied. I have been told the underwriter doesn't like the way I stated it??? Are they a home inspector? Do they understand houses. I have used the same format and language for many banks and it was accepted. I own the liability for what I state in the letter and I'm not going to put myself at risk because of an underwriter who does not understand houses wants me to state things that are not accurate. This is an out of control underwriter that is over stepping boundaries. I emailed the person responsible for that department with no response

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. 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: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am a XXXX XXXX XXXX XXXX employee that has been furloughed and unpaid for over 7 weeks. I have a mortgage with PNC bank. PNC bank granted me a forbearance plan for XXXX and XX/XX/year>. PNC bank sent me letters stating the terms. However, PNC bank continued to call me daily around XXXX Monday through Friday to collect the loan payment during the forbearance period. I called PNC bank to declare that they were harassing me. I told the staff that the forbearance office and the collection office needed to share data. The Executive Office staff of PNC bank then called me. I stated the same complaint to that staff. They granted me a cease and desist so collection calls would stop. On XX/XX/year>, the Executive Office called me again and then refused to grant me cease and desist calls. They retracted their promise to me. XXXX stated that the bank has a right to try to collect payment from me, even though I am legally in forbearance for two months. XXXX also stated that the PNC Collection Office would be reporting to a collection office and this could affect my credit score. This process is deceitful. If the mortgage company sends letters to a homeowner granting non-payment for two months, then the homeowner should be free and clear from a collection office harassing them for non-payment. I have a perfect record of paying my mortgage prior to the XXXX shutdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX and XX/XX/year> XXXX transactions for a total of XXXX XXXX, XXXX, and XXXX from the company called XXXX, I disputed these transactions on XX/XX/XXXX when I saw them, and just found out that my bank chase closed the claim on the same day I filed it, I did not authorize these transactions, I had lost my debit card, phone, and even medication all that day when these transactions were made, my bank Chase just closed it out on the same day I filed and I had no idea till now, I did not authorize these transactions, and now it has put me in a state of turmoil and panic

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Abra

Complaint narrative:
During past year, Suddenly, i can not access my wallet at Abra wallet. I have emailed them several times but they are not replying. As far as i can recall ( in my honest remembrance ) i have approximately around XXXX XXXX in my wallet.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out to formally dispute this collection account, as I believe the debt is not accurate and ask for confirmation of its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
Since XX/XX/XXXX, I have been receiving repeated account emails from Acima Leasing regarding a lease belonging to another individual, XXXX XXXX ( Lease # XXXX ). I am not this person, I have no relationship to this account, and my email address has been incorrectly associated with it. I notified Acima immediately in XX/XX/XXXX that they had the wrong email address. I also contacted Acima by phone and spoke directly with a representative in an effort to resolve the issue. Despite these efforts, the emails continued. On XX/XX/XXXX, I again demanded that they stop contacting me. On XX/XX/XXXX, I sent a formal written notice to Acimas fraud, privacy, and legal departments ( including their parent company, XXXX XXXX ) instructing them to remove my email address and cease all communications. Acima has ignored these repeated notices and continues to send payment receipts and account notifications, including as recently as XX/XX/XXXX. These communications contain financial account information belonging to another individual and are being sent to me in error. This reflects a failure to correct known inaccurate contact information and a breakdown in basic data handling controls. This situation creates potential harm to both parties : I am receiving sensitive financial information that is not mine, and the actual account holders information is being disclosed to an unauthorized third party. This issue has persisted for several months despite multiple contact attempts, direct communication with a representative, and formal written escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding the inaccurate, misleading, and unverifiable reporting of auto loan accounts on my credit reports, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). The account reported by XXXX XXXX reflects a balance of {$22000.00} and indicates the account was closed on XX/XX/XXXX. However, despite being reported as closed, the account continues to reflect ongoing delinquent payment activity into XXXX and XXXX. This is a clear inconsistency, as a closed account can not legally continue to accrue or report new late payments. This raises serious concerns regarding the accuracy and validity of this tradeline. Additionally, the XXXX XXXX account shows a {$0.00} balance and indicates that the loan has been paid in full. Despite this, the account continues to reflect negative payment history, which appears to be inaccurately reported or improperly maintained after closure. If the account has been satisfied, the continued reporting of derogatory information must be fully verified for accuracy and compliance. Under the FCRA, I have the right to a complete and accurate credit report. The information being reported is inconsistent, misleading, and has not been properly verified. I am formally requesting a thorough investigation of these accounts, including verification of the original signed contracts, full payment history, and the method of verification used. If these accounts can not be properly verified with complete and accurate documentation, they must be immediately corrected or deleted from my credit report in accordance with federal law. I have made prior attempts to dispute these inaccuracies, but the issues remain unresolved. Continued reporting of inaccurate information is unacceptable and damaging.

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 2026-04-07 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: MD

Complaint narrative:
I am filing this complaint regarding unauthorized transactions and account compromise involving my Cash App account beginning after XX/XX/year>. I want to clearly state that I did not authorize ANY transactions that occurred after XX/XX/year>, including all transactions throughout XX/XX/year>. According to my XX/XX/year> account statement, there was a total of {$7800.00} in unauthorized transactions, along with {$33.00} in fees, bringing the total unauthorized amount for XXXX alone to {$7800.00}. Additional unauthorized transactions also occurred between XXXX XXXX XXXX which should also be included in the total loss. My account activity shows clear signs of fraud and unauthorized use, including : Repeated charges from XXXX and other merchants in XXXX XXXX, California, a location I am not associated with Numerous Cash App payments sent to individuals I do not know Rapid transfers of funds out of my account immediately after deposits XXXX XXXX transfers and online purchases that I did not authorize This pattern is consistent with account takeover and unauthorized access to both my account and debit card. I reported this issue promptly and provided supporting documentation, including a police report. I was also informed by a Cash App XXXX that a manual refund would be issued as a one-time courtesy ; however, that refund has not been issued. Cash App has failed to properly investigate my claim and has not provided provisional credit as required under the Electronic Fund Transfer Act ( Regulation XXXX ). Despite my efforts to resolve this matter and provide sufficient proof, my claim continues to be mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am submitting this complaint regarding the reporting of late payments on my Capital One Auto Loan account, which was never late during the life of the loan. Account Information : Account Name : CAPITAL ONE AUTO Account Number : XXXX Account Type : Auto Loan Responsibility : Joint with XXXX XXXX Date Opened : XX/XX/year> Status : Paid, Closed Terms : XXXX months Every single payment on this loan was made on time. At the conclusion of the loan, a Capital One representative explicitly confirmed the account was paid in full, and the Capital One app reflected this information. We were misinformed about the reported late payment and were given no notice of any issue. It is illogical and incorrect to report a late payment at the very end of the loan when not a single payment was missed over XXXX months. This appears to be either a reporting error or a system glitch. The misinformation provided by the creditor directly caused this inaccuracy. I am requesting the CFPBs assistance to : Investigate the reporting of late payments on this account Ensure the account is updated to reflect Paid, Never Late Confirm that the creditor provides documentation supporting any reported late payments This inaccurate reporting is negatively affecting my credit despite following all payment obligations. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid

Complaint narrative:
I am submitting a complaint because technical issues have prevented me from accessing the PSLF reconsideration process for my federal student loans. For over two weeks, I have been unable to submit a PSLF reconsideration request through the Federal Student Aid website due to repeated system errors stating that the page is unavailable. I have tried multiple browsers and devices, and I get the same result. The Federal Student Aid Information Center email, webform chat, and chat systems do not function on my behalf, preventing me from submitting alternatives. Attempts to contact support have not resolved this. I have approximately 109 qualifying PSLF payments and am within months of reaching the required 120 payments for forgiveness. I need to request a review of specific periods currently marked as ineligible under the IDR account adjustment. System failures have prevented me from applying for PSLF reconsideration, blocking my access to potential loan forgiveness. I am requesting that : 1. My PSLF reconsideration request should be accepted and reviewed through an alternate channel. 2. The Department of Education ensures access to the reconsideration process. 3. My account will be reviewed for IDR adjustment credit for the relevant periods. This issue is urgent and affects my ability to qualify for loan forgiveness. I request prompt resolution, confirmation that my case is under review, and assurance that my eligibility will not be jeopardized by these unresolved system issues. Respectively, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
My XXXX account has been frozen due to a name verification issue. I was instructed by XXXX support to update my legal name so that it matches my government-issued identification. I complied with this request and updated my profile name to my full legal name as shown on my identification. Despite this, XXXX continues to send repeated responses stating that my account name does not match my ID, without acknowledging that the requested correction has already been completed. Over the past approximately two weeks, I have contacted XXXX support multiple times and provided documentation, including screenshots confirming that my profile name matches my legal name. However, I continue to receive the same template response, and my case does not appear to have been reviewed manually. As a result, I am unable to access or use my account. XXXX has failed to provide a clear explanation of what specific discrepancy remains or what additional steps, if any, are required to resolve the issue. This appears to be a failure of XXXX identity verification and customer support processes, where repeated automated responses are being issued without proper review of the submitted information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding a rent-related collection account reported under my name by XXXX XXXX for XXXX alleged debt from lluwater XXXX XXXX XXXX I vacated the property at the end of my lease on XXXX XX/XX/year> and complied with all lease and move-out requirements. Prior to the lease ending, I verbally informed the leasing office staff of my intention not to renew my lease. The charges being claimed are not justified and include items that fall under normal wear and tear. I have provided evidence supporting that the condition of the unit at move-out constitutes normal wear and tear and does not warrant the charges being claimed. Additionally, I was not provided with a proper itemized statement of damages or charges within the legally required timeframe. I formally dispute the validity and accuracy of this debt. I have not received sufficient documentation proving that I am legally responsible for the amount being claimed. This account has negatively impacted my credit profile and is being reported inaccurately. I request a full investigation and the following : Alleged wear and tear they claim is damages etc blinds, toilet, seats, bulbs Proof of my legal responsibility for the debt Evidence that the charges exceed normal wear and tear the debt can not be fully validated, I therefore request immediate removal of this account from my credit reports. Additional information provided by consumer : XXXX XXXX wants this complaint to go to National Credit Systems. National Credit Systems XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX is the original creditor, Not a financial institution.

Company response to consumer: Closed with explanation