vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Wayfair has erroneously charged my credit card and as a result, reduced my card limit from XXXX to XXXX. This is in violation of the consumer Regulation Z ( Truth in lending ) This lack of itemization and failure to explain the basis of the balance raises concerns under the Truth in Lending Act and Regulation Z, including : - 12 CFR 1026.13 ( billing error resolution requirements ) - 15 U.S.C. 1666 ( creditor investigation obligations ) - 12 CFR 1026.7 ( accurate periodic statement requirements )

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 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: NM

Complaint narrative:
On XX/XX/year> I purchased a phone + line at XXXX in XXXX XXXX on XXXX. Phone never showed up. XXXX was blamed, i asked for refund and asked to terminate the service since I could not use it in my ( at the time ) current phone and they assured me I would NOT be charged for the service or the phone. I received the devide refund, then spoke to XXXX at the XXXX XXXX kiosk inside XXXX XXXX at XXXX am who assured me that they would call the creditors and get that debt taken off of my report. Today i receieved an employement background check back showing a debt of {$200.00} to XXXX XXXX I do not owe this money as I never received my device or the service as the service was reliant on the device. I tried to resolve with XXXX XXXX but they are unwilling to verify me over the phone and I am unable to go into the store.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: NV

Complaint narrative:
I sent a formal debt validation request via Certified Mail on XXXX. The collector responded with a self-generated summary rather than the requested original contract or billing statements. This summary does not provide sufficient evidence of the debt 's validity or my legal obligation to pay it. Despite this lack of verification, the collector is still calling/has not removed the mark from my credit report, which violates the FDCPA. I request that they provide the original contract or cease all collection efforts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I deposited a check into my citizens bank account on XX/XX/XXXX and which came from the closure check for my previous bank account at XXXX. The check bounced after I deposited into my citizens bank account and as of now since XX/XX/XXXX the account has been closed in frozen restricted whatever and therefore not allowing me to access my funds and when I ask them for the trace ID or transaction, identification, or something that would show that the return of that check since it balance would be returned to XXXX, where and when if it had already been returned to XXXX and it was no response in fact, they have said that they couldnt provide me with any information regarding the trace ID or anything with that matter so basically my money is just up in the air and its F myself. I also provided documentation regarding the deposit of my check into the citizens bank account and this whole file office email providing the documentation of it being deposited in cash as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am a Florida resident submitting this formal complaint against Goldman Sachs Bank USA XXXX XXXX ) for unlawfully withholding more than {$40000.00} in cleared funds and for engaging in unfair and deceptive practices related to the handling and attempted closure of my account. This issue began on XX/XX/year>, when the bank flagged my account for alleged XXXX XXXX XXXX after I attempted to transfer funds between my own personal account and a secondary account holder. During this time, the bank accepted a {$1200.00} incoming transfer but blocked a corresponding {$1200.00} outgoing transfer to the secondary account holders personal bank account. After being accused of Quick Money Movement, I informed the bank that I was dissatisfied and wished to close my account. However, the bank refused to allow me to close the account, stating that I could not do so until the transactions had cleared. On XX/XX/year>, after all transactions had cleared, I formally requested to close the account and transfer my full $ XXXX balance to my new XXXX XXXX XXXX an account I had already verified through XXXX successful test deposits. I explicitly informed XXXX that my original funding account is closed and can not receive an ACH return. Despite this, the bank refused the transfer and the request for a Cashier 's Check. Most egregiously, after I successfully closed my account on XX/XX/year>, the bank unilaterally and without my authorization reopened it on XX/XX/year>. They are currently citing an indefinite 'Quick Money Movement ' freeze and flatly refuse to provide a release date or any timeline for the return of my funds. This unauthorized reopening of a closed account and the indefinite seizure of cleared funds is a direct violation of the Consumer Financial Protection Acts prohibition on unfair practices ( CFPB Circular XXXX ), and I demand the immediate distribution of my full balance via expedited Cashiers Check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MO

Complaint narrative:
Validation of Debt Request - TRUEACCORD C - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
In late XXXX, while managing a chronic illness, two autopay payments on my Best Buy Visa Card ( {$7900.00} limit ) were returned due to insufficient funds. The issuer closed the account around XX/XX/XXXX. On XX/XX/XXXX, I sold my vehicle for {$14000.00}. That evening, I paid the full card balance of {$7500.00} in a single payment 52 % of my vehicle sale because I intended to use the card 's 0 % promotional financing. I did not realize the account had been closed until after the payment was submitted when I saw a message notification in my Citibank Best Buy Card online portal notifying me. After this there were XXXX distinct credit drops. The closure itself caused an expected credit score drop : XXXX on XX/XX/XXXX, to XXXX by XX/XX/XXXX. I accept that. The second credit drop is the complaint. Because the account was closed, my {$7500.00} payment eliminated the debt but the {$7900.00} credit limit was not restored as available credit. Credit scores weigh utilization ratio heavily total debt divided by total available credit across all accounts. Had the account been open, paying it off would have given me {$7900.00} in available credit against {$0.00} owed on that account, significantly improving my ratio. Instead, because the account was closed, both the debt and the credit limit were removed the {$7900.00} simply disappeared from the denominator. My overall utilization ratio barely changed despite paying off the entire balance. By XX/XX/XXXX XXXX week after paying my score had dropped another XXXX points to XXXX. The issuer then denied my application for a new card. I understand a low score results in denial but the score they used does not reflect the {$7500.00} I just paid them. The closure is a reason the score is as low as it is. My application denial is being affected by a credit score their own actions made worse, while disregarding the payment that should actually increase my credit score and demonstrate my creditworthiness. I am also now financing a replacement vehicle against this XXXX score, paying higher rates as a direct result. On XX/XX/XXXX, I emailed the Executive Response Unit requesting reinstatement. I received an automated acknowledgment at XXXX XXXX CT from XXXX confirming receipt and stating the matter would be " reviewed with the highest priority. '' Fifteen days later, no follow-up of any kind. I also called the number on my card the automated system stated the account was closed and offered no option to speak with a person. Reinstatement would cost the issuer nothing. The balance is paid. The {$7900.00} limit would restore against {$0.00} owed and immediately improve the utilization ratio that is currently compounding the damage. Without it, the issuer retains every dollar while I bear all consequences.

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 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
XXXX XXXX I am filing this complaint regarding inaccurate and inconsistent credit reporting of my federal student loans. The same loans are being reported differently across credit bureaus, including : Different Date of Last Payment values across bureaus Different Date Last Active values across bureaus Transferred loans reporting a {$0.00} balance but continuing to update XXXX delinquency codes into XXXX A single loan can not have multiple factual histories depending on which bureau receives the data. This is not maximum possible accuracy as required under FCRA 1681e ( b ). Additionally, once a loan is transferred and reports a {$0.00} balance, continued updating of severe delinquency codes is misleading and materially damaging. I am requesting : A documented investigation of the inconsistent reporting Correction of all inaccurate dates across bureaus Removal of continued delinquency updates on transferred {$0.00} balance loans Written documentation supporting each reported date Because these discrepancies remain unresolved, the information currently being furnished is inaccurate and not compliant with federal reporting standards.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I contacted citi credit card to have intrest refunded because the advertisement from the 15 months 0 intrest was misleading they told me I would have to pay the full balance and then do a dispute to get the interest refunded. I told them that how is that fair when the advertising is misleading and the months dont add up. They gave me the run around and want me to pay the balance first before even submitting my dispute XXXX complaint id number XXXX XXXX Manager I spoke to.

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 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a letter in the mail by XXXX it is written in spanish, claiming that they are a collection company trying to collect a debt by an creditor named OPORTUN INC for the amount of XXXX dollars. The letter is asking for immediate payment or will be subjected to lawsuit by credit collecting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Company : Amazon Issue : Unauthorized/Unidentified recurring digital charge I am filing this complaint regarding a recurring XXXX XXXX monthly charge appearing on my account statement as XXXX XXXX XXXX The charge has been posting monthly since approximately XX/XX/XXXX. I contacted Amazon directly to request clarification and itemization of what this charge represents. Amazon representatives were unable to identify the specific product or service associated with the charge and could only state that it was " digital. '' No clear authorization or billing description has been provided. Because the merchant can not identify the underlying transaction, this constitutes an error under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005.11 ), which requires proper investigation and accurate transaction identification. Impact : The {$12.00} charge has posted for approximately 20 months ( XX/XX/XXXX through XX/XX/XXXX ), totaling {$240.00}. Desired Resolution : - Full refund of {$240.00} within 10 business days - Written identification of the source of the charge - Confirmation that no further unauthorized digital charges will occur - My Amazon account ( s ) should remain open and in good standing I attempted to resolve this directly with Amazon but did not receive a satisfactory explanation or resolution. Company : Amazon Issue : Unauthorized/Unidentified recurring digital charge I am filing this complaint regarding a recurring XXXX XXXX monthly charge appearing on my account statement as " XXXX. XXXX The charge has been posting monthly since approximately XX/XX/XXXX. I contacted Amazon to request details about what this charge represents. Amazon was unable to provide a clear description of the product or service and could only label it as " XXXX XXXX This lack of transaction transparency raises concerns about authorization and billing accuracy. Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005.11 ), consumers are entitled to proper investigation and accurate identification of electronic transfers. Amazon has not met this standard. Impact : The {$8.00} charge has posted for approximately 20 months ( XX/XX/XXXX through XX/XX/XXXX ), totaling {$160.00}. Desired Resolution : - Full refund of {$160.00} within 10 business days - Written identification of the source of the charge - Confirmation that no further unauthorized digital charges will occur - My Amazon account ( s ) should remain open and in good standing I attempted to resolve this directly with Amazon but did not receive a satisfactory explanation or resolution.

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 2026-02-25 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
A fraudulent charge of {$3500.00} was charged to my AM EX on XX/XX/XXXX. I immediately called AM EX to let them know this was fraud, and they cancelled my card, credited the full amount, and opened a fraud investigation. One month later, they sent me an email and a letter stating that the case was closed, that it was not fraud, and that they had credited the amount back to my card. I have tried multiple times to get a hold of someone in the fraud department to speak with them about this decision, but I was repeatedly told that someone would get back to me. One person got back to me with a case number and asked me to call them back. The number they provided was not the fraud department, and I had to go through multiple steps and answer questions each time to reach the fraud department. The person " XXXX '' was never available and only called back once, and told me she would call again in 5 minutes, but she never did. On XX/XX/XXXX. I spoke with someone in the fraud department again, and they said that XXXX had a note in the system instructing me to submit any proof I had that could further help them. They suggested email documentation. I gathered my email documentation and sent it to them two hours later. They still have not opened the email as of XXXX XXXX XXXX, XX/XX/XXXX. I have an XXXX tool that lets me know if they opened it. I called back again on XX/XX/XXXX, and they told me they need an additional 30 days to investigate and that the amount needs to be paid in the meantime to avoid late fees and high interest rates. They will not provide any feedback other than that they need more time. As a result of this, my credit score has also dropped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 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 filing this complaint because there are collection accounts on my credit report that do not belong to me. I check my credit regularly, and these accounts showed up without my knowledge or permission. I never authorized this, and I am extremely frustrated that this inaccurate information is being reported under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Unfortunately do not have the exact date but the beginning of XXXX pNC Bank sent me a letter for default on a loan that was under my business claiming that I was the guaranteer while the contract agreement and the application do not match. I sent them a letter back stating i would like to dispute this charges on those grounds, and the next morning my account is personal and joint with my wife was frozen of all of our funds. When I contacted PNC Bank to let them know what they're doing is it legal as they have not properly served me or going through the legal channels they told me my account will be not unfrozen unless I agree to a payment plan which under duress I had to agree to. Weeks later now the payment plan that I agreed to was to begin XX/XX/XXXX I was told I have till the following Wednesday to sign the agreement that I'm reviewing and if I do not then I will be put back into collections which they'll attempt to freeze my accounts again. I read through the agreement and it says that I am not allowed to sue them for breaking the law so I will not be signing said agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palmar, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Untimely response