vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My AAdvantage credit card transferred from XXXX to Citi. I didn't have access to my online baking ( wait to 5-6 weeks ) until Citi issued new cards. I had to continue to using the old master card. Made payment on my card- didn't clear - called and was advised that I have to wait 7 business days to clear. Customer support advised that we could do a three way call with my bank. We would do additional security and I wouldn't have any further issues. Another payment made, failed to clear. Called Citi Bank and I was advised that due to I had reached my credit limit. I was being punished by Citi bank and payments would be taking longer to clear. Asked to speak to a manager - call was disconnected. Called back spoke to manager- they agreed to do another three way call with my bank. After 1.5 hours on hold - The Citi bank call centre manager asking me what day it was. I advised Sunday! So then advised she had forgotten which day of the week it was and due to it was Sunday. She couldn't do the verification on a Sunday and would call me back on Monday. She didn't call me back. Called and spoke to two managers. Very unhelpful, they advised it was against company policy to do three ways calls with banks and there was nothing I could do. Wrote to the CEO, directors department called me back. They listened to all the calls and advised they were in the wrong and would call me back on Thursday XXXX XXXX to resolve the issue. They failed to call me as promised and now ignoring me. I still have unresolved issues with Citi 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 monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
For the last two years I have been trying to get this debt validated and Portfolio Recovery has not sent me the information or documentation to make an informed decision about the claim. Not only have they ignored my request for information and documentation, while I've been disputing this debt with Portfolio Recovery and the credit reporting agencies, they continue to furnish and update information while the account is in dispute which is in direct violation of the FDCPA 809 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2026-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I found out I owed a medical debt for XXXX XXXX XXXX by calling equifax to see why my credit score was negative. They gave me the number to call First Federal Credit XXXX at ( XXXX ) XXXX. I called and spoke with XXXX XXXX and explained to her that I was not going to pay a debt that did not belong to me. She said that XXXX was billed and never payed. I explained that I never had insurance under XXXX. She then proceeded to tell me that I needed to call the insurance I had during that time and I told her that was not my job. She hung up on me. I am more than happy to try to verify my insurance information during that time but I am not responsible for the original agency billing me the wrong way. This date of service goes back to XXXX XXXX XXXX and I am just learning about this bill in the amount of XXXX. I am not even sure this was a visit pertaining to me at this point. Furthermore, if it was my doctor 's visit then the person billing should have billed me properly. Now, I am the one being penalized for their failure to do their job. I would like this off my credit report as soon as possible. I am working hard to get my credit in good standing and this is disrupting that process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This is a new, escalated complaint regarding deceptive practices and a fraudulent resolution by Capital One under prior XXXX # XXXX. In Capital One 's response to my previous case, they claimed they could not issue my {$170.00} refund check because they needed phone verification. I complied with their instructions exactly and called their Customer Advocacy Office. I spoke directly with a manager, successfully verified my final US mailing address, and the manager explicitly promised that a replacement check would be delivered to me within 2 weeks ( by XX/XX/year> ). However, as of today, XX/XX/year>, the promised delivery deadline has long passed. My mailbox remains completely empty, and Capital One has failed to send the funds. Capital One intentionally used a " false promise of resolution '' as a compliance loophole to evade CFPB supervision and improperly close the prior case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Radius Global Solutions continues reporting this account without providing adequate validation or supporting documentation despite my request.

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Heres a revised version with that detail included : I believe I was racially profiled at Bank of America because I am XXXX. I deposited a legitimate insurance company refund check for an overpayment, and while I was in the branch, everything seemed fine. I was even given a receipt showing when the funds would be available. However, after I left the bank, they suddenly changed their attitude and began treating the check as suspicious. I was later told the check would probably be returned, despite it being a valid check from a legitimate insurance company. They also changed the amount being made available after initially approving it. It felt like they waited until I left to start profiling me and making assumptions based on my appearance rather than the facts. The experience was humiliating, discriminatory, and made me feel targeted because of my race.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I went to court to dispute the amount owed. We came to terms for a reduced settlement. I agreed to make the payment online. The attorneys listed ways I could make the payment- dont would not be late and I would have proof the payment was made on time. I called XXXX a day earlier since the file number they gave me wasnt working for an online payment. I was as told by XXXX - that since it was a reduced amount the payment could only be done by phone or a money order sent to the office. I shared that that wasnt even on the list of payment options. She said it was policy- I asked if I could I receive something in writing about it. She said no- and she wouldnt send anything in writing about the only payment option. I asked to escalate the call- XXXX XXXX took the call and stated that it wasnt possible- I said well - what if I waited until tomorrow to find this out, they wouldnt be enough time to get a money order - what documentation would I have that I made the payment on time? If it was online I can screenshot that a payment was made. He stated you will get mail that the settlement was made. I said but i wouldnt get proof immediately. He stated your assuming and thats not true. I said well I also believed the attorneys in court and clearly that wasnt true. He told me I have a day and hung up! I called back- when I called back the person ( XXXX XXXX stated that XXXX XXXX was the firm XXXX and there was no one above him to speak with- but she could take the payment. She then stated there was a cease and desist on my file so in order for her to communicate with me she needed me to remove it. I asked if XXXX XXXX put that on the file since that wasnt even mentioned before. She said he didnt. I gave her my bank information to process the payment and - there was no confirmation and no documentation to give me that the payment was made on time! Like I stated! They have several complaints on XXXX for they have several complaints online for accepting payments as final and then still seeking judgments against people. This is a way they do it! I asked for a copy of the recording as well and I was told they would not give me access to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Account Holder : XXXX XXXX Account Number : Ending in XXXX My husband, XXXX XXXX is permanently XXXX following a severe medical condition and has a speech XXXX that prevents him from communicating clearly via telephone. I am his wife and authorized representative. XXXX months ago, on XX/XX/year> we sent a formal hardship notice and a written Cease and Desist request to American Express via XXXX Mail. The letter explicitly stated that telephone communication is medically inappropriate and highly inconvenient due to his XXXX, and requested that all future communications be conducted strictly in writing via XXXX Mail under the FDCPA. Our household has XXXX disposable income. My husbands sole income consists of protected XXXX benefits, and our monthly budget reflects a consistent deficit ranging between - {$150.00} to - {$580.00}. He is entirely judgment-proof. Despite receiving our written legal notice XXXX months ago, American Express has completely ignored our medical and communication restrictions. They continue to call our phone repeatedly, causing severe emotional distress and anxiety. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) regarding contacting a consumer after a written stop-contact request. We request that the CFPB intervene immediately to compel American Express to stop all telephone harassment and flag this account for written communication only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: NJ

Complaint narrative:
I am filing this complaint regarding a dispute involving a {$3900.00} purchase of a XXXX XXXX snowblower ( S/N : XXXX ) from XXXX XXXX XXXXXXXX, charged XXXX XXXX Citi XXXX XXXX ( account ending XXXX ) on XX/XX/XXXX. Citibank initially denied my dispute based on the merchants claim that the damage was caused by impact during client operation. That claim is directly contradicted by the merchants own prior written communications. On January 29, 2026 months before this chargeback was filed XXXX XXXX XXXX XXXX XXXX submitted a formal written communication to American Honda Motor Co.s Senior District Sales Manager and XXXX XXXX XXXX explicitly stating : We believe this is an XXXX housing alignment issue rather than a setup or misuse condition. In a separate formal rebuttal to XXXXXXXX XXXX XXXX the merchant wrote : This is not a setup issue. This is not a XXXX issue. The damage on his unit is a direct consequence of a condition that left the factory floor. The merchants position changed only after the chargeback created direct financial liability for them. They told XXXX XXXX it was a factory defect. They told Citibank it was operator error. These are irreconcilable statements made to different parties for different financial purposes. Following my prior CFPB complaint ( Case # XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute on XX/XX/XXXX and issued a conditional credit of {$3900.00}, acknowledging the matter warranted further review. However, the credit remains conditional for 30 days pending the merchants response. I am concerned that the merchant will submit the same unsupported operator impact claim to Citibank that directly contradicts their own documented written statements. I have submitted the contradicting evidence proactively to XXXX ( Citi XXXX : XXXX ). Additional supporting facts : XXXX own internal Quality Alert ( dated XX/XX/XXXX ) documents an uncontrolled factory assembly condition causing XXXX housing misalignment on this exact model XXXX previously approved a warranty claim for the identical failure on the identical model ( Case XXXX, approved XX/XX/XXXX ) The unit failed after only XXXX hours of normal residential use The unit remains unrepaired and out of my possession after XXXX months I was forced to purchase a competing brand out of pocket to get through the winter I am requesting that the CFPB note the merchants contradictory statements in its records and monitor the final resolution of the Citibank dispute XXXX ensure the conditional credit of {$3900.00} is made permanent.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that all companies listed below immediately cease and desist all communication with me regarding this alleged debt, except as allowed by law. According to FDCPA my collections should not be reported as open because I never opened an account with these collections agencies. FDCPA XXXX says you are allowing a false representation of this debt, and it needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
I have no idea where these people got my contact information. They have been calling me EVERY day, several times a day trying to get me interested in taking out a loan. I have told them several times to STOP calling me, that I was not interest, to NEVER call me again. This is harassment as far as I was concerned. This " company '' was identified as " Loan Depot '' ; using several different phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
I am filing this complaint because of unauthorized recurring charges, repeated dispute mishandling, and misrepresentations made to me by Goldman Sachs regarding my Apple Card. What happened : Unauthorized monthly charges began appearing on my Apple Card in XXXX after a XXXX XXXX event. I did not knowingly agree to any subscription, coaching program, or recurring billing. I never saw any confirmation email or disclosure of a subscription. I do not know whether one was ever sent, but I never received or viewed anything indicating I was being enrolled in recurring billing. My Apple Card was on autopay, so I did not notice the unauthorized charges for almost a year. When I discovered the charges, I immediately disputed them. Early in the calling process after several calls a Goldman Sachs representative told me I had won the dispute. This turned out to be false, because the charges were later reinstated. Over nearly XXXX years, I made continuous calls disputing the same charges. Each time the charges were reinstated, I had to dispute them again. In XXXX of my final calls, I asked directly whether cancelling my Apple Card would have any negative consequences. I was told no. I relied on that statement and cancelled the card. Despite this, the disputed amount was later sent to collections, which is the exact negative consequence I asked about. I repeatedly requested call recordings and internal notes. Goldman Sachs refused to provide them. These recordings would confirm the misrepresentations I was given. I have request my phone records and will have those available within XXXX days. This situation has caused significant stress and disruption. I am requesting CFPB assistance to obtain the recordings, correct the collections entry, and ensure the dispute is properly resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/year> I paid a collection company by the name of XX/XX/XXXX separate payments for 2 accounts in collections from XXXX.After paying them with Wells Fargo acct. XXXX charges me for the exact same 2 amounts again to Wells Fargo account.I first tried to get XXXX to check their records and fix error.They said not their problem and gor me to contact company ( XXXX ) is the collection company name.Messaged XXXXThey said I need to contact Wells Fargo.I did contact them and they gave me a provisional credit while performing investigation.On XX/XX/year> I received a letter from Wells Fargo saying the 2 separate charges for each purchase from XXXX and the 2 separate payments to XXXX were not duplicate payments .They were the exact same amounts on same day for the same XXXX accounts.Now Wells Fargo is going to charge me {$430.00} total on XXXX feel their investigation was not very thorough.The payments in question were for $ {$84.00} and & {$340.00}. I was charged these amounts twice and Wells Fargo, XXXX XXXX XXXX, and XXXX all refuse to straighten this mess out.

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 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I was told that the person I was working with represented a real company out of Florida named " XXXX XXXX '' to buy a container home. They requested a deposit of {$2000.00} that I sent via XXXX. I found out that they did not work for this company and were a scam after they requested more money. I filed a claim with Mountain American Credit Union and they denied my claim because the transaction was " authorized ''. This was not " authorized '' because the person did not represent the company that I thought I was working with, which qualifies as an imposter scam under XXXX 's reimbursement policy effective XX/XX/year>. I don't have my bank denial letter because I did not know I would be filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that all companies listed below immediately cease and desist all communication with me regarding this alleged debt, except as allowed by law. According to FDCPA my collections should not be reported as open because I never opened an account with these collections agencies. FDCPA 807 says you are allowing a false representation of this debt, and it needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief