vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CO

Complaint narrative:
I am disputing inaccurate credit reporting by Jefferson Capital Systems on my XXXX credit report. The same XXXX XXXX account is reporting a date opened of XX/XX/XXXX on XXXX and XXXX, but XXXX is reporting it as opened on XX/XX/XXXX. This appears to be improper re-aging, which violates the Fair Credit Reporting Act. I am requesting immediate deletion of this account due to inaccurate and inconsistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I am filing a complaint regarding an unauthorized electronic withdrawal from my Macys credit card account. I have been enrolled in autopay for the minimum payment only for several years. On or around XX/XX/year>, a payment for the full balance was withdrawn from my bank account instead of the minimum payment. I did not authorize any change to my autopay settings. This unauthorized withdrawal caused my bank account to become overdrawn by more than {$2000.00} and created immediate financial hardship, including the risk of overdraft fees and returned payments. I contacted Macys customer service immediately and was informed that a refund would take 710 business days. I was later told that my refund would be processed and visible on [ insert the date they promised you ]. That date passed without the refund being issued. When I followed up again, I was told the refund would now be delayed until XX/XX/year>. At this time : The unauthorized withdrawal has not been corrected within the timeframe originally promised I have received inconsistent and inaccurate information from customer service I continue to experience financial harm due to the delay I am requesting : Immediate processing and confirmation of the refund for the unauthorized withdrawal Reimbursement of any overdraft fees or related financial damages caused by this error A full investigation into how my autopay setting was changed or why an unauthorized amount was withdrawn Written confirmation of the findings and corrective actions This matter is urgent due to the financial hardship caused by the unauthorized debit and the continued delay in resolving the issue.

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I have tried to apply for a BILT Rewards card. I was alerted that I have an existing BILT account associated with my rental unit. The email address associated with that account is incorrect. There is a keystroke error - an extra d at the end. This prevents any application or any communication of any kind and can not br corrected by me, by anyone I can reach at BILT or anyone they can escalate the matter to. No path exists to correcting the email error. No progress can be made without that email working.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OCEANFIRST FINANCIAL CORP.
State: NY

Complaint narrative:
I have just received an email about a transaction that posted that I never made. A day after speaking to a bank representative about my accounts and being told that I filed too many disputes, causing the debit cards being closed, I have a transaction to dispute. This time I didn't make the transaction at a less than reputable hotel, this one appears out of the blue. I have an issue talking to them directly now that I have a growing medical bill from all the suffering in XXXX XXXX as a homeless person. And I am at a loss of words with the coincidences and their dispute teams explanations for not awarding me a credit for the many smoke filled, dirty rooms I settled for after being wrongfully arrested, illegally evicted, and settling out of court in XXXX XXXX XXXX while trying to complete my education objectives. The transaction, a withdrawal totaling {$47.00} described as XXXX purchase posted yesterday XX/XX/year> is a mounting worry during my get my stuff together spring break. This bank continues to muck up my day to day, forcing me to consider their advice of closing my accounts which do not help my credit access, and much worse, prevents me from disputing the rest of the criminally neglected places I stayed in after being deceived by the pretty pictures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp account is limited. I can't order a cashapp card nor borrow. They both are offered in my app but it's always an error. Cashapp representatives said that they have no reason for this. Basically saying the system chose this and there's nothing we can do. This has been going on for over 3 years or more.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was travelling to XXXX from XXXX. My travel dates were from XXXX XX/XX/year> to XXXX XX/XX/year>. There were fraudulent transactions on my card on XXXX of XX/XX/year> for a total amount of {$1700.00} I requested the bank to investigate it that I provided the bank with passport stamps and travel documentations proving I was in XXXX while the transactions occurred in XXXX. The bank " ignored physical evidence of geographic impossibility '' and " failed to conduct a reasonable investigation '' under the Fair Credit Billing Act I was charged the full {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: BetterMe Financial
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$36.00} for what I understood to be a three-month introductory BetterMe subscription. After that, I was charged {$94.00} recurring renewal fees on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I did not understand that the subscription would automatically renew at the higher amount after the introductory period. Because the charges were quarterly rather than monthly, they were easier to miss. I did not use the app at all after the introductory period and did not realize these recurring charges were continuing. Once I discovered the charges, I canceled the subscription and contacted BetterMe to request a refund. The companys responses appeared automated and did not address the details of my situation. This made it difficult to resolve what appears to be a recurring subscription billing problem. I then tried to dispute the charges through XXXX. XXXX allowed me to dispute only the most recent charge, but I was not able to dispute the older recurring charges through the normal process. I am requesting review of these recurring subscription charges and assistance resolving the charges that continued after the introductory period. I have also found multiple public complaints from other consumers describing similar issues with BetterMe, including confusion around introductory offers and recurring charges, difficulty canceling, and resistance to issuing refunds. I understand those reports do not prove my case by themselves, but they are consistent with my experience.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 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: PA

Complaint narrative:
On XX/XX/year> I went to get a haircut. I tried to use my debit card which was declined 3 times despite having money in that account. I was already on high alert for credit fraud because the night before in to that morning I received approximately 60 spam texts. While I blocked and reported each as spam, I was inundated. This is a common tactic while trying to keep the person distracted from fraud. The texts stopped that morning around XXXX. Apparently a payment had been made to my Citi account by someone for {$1000.00}. I did not make this payment. My account had been hacked and money was stolen in an attempt to take over my account for more fraud. I reported this last Thursday. The representative I spoke with identified several fraudulent attempts to use my card in places like Arizona. This account was closed and my login information was deleted to secure my account. I was told a new card would be issued and with this would come the instructions for setting up my new log in information and I would need to speak with tech support once I received the new card. Today XX/XX/year> I called Citi to check on the status of the investigation. It has taken me 4 hours now and I was just informed that my new card number was issued and immediately canceled due to delinquency. I make payments on this card bi weekly at least and use this card frequently. The new account couldn't have been delinquent. It was new. Citi then told me that the report was noted as a billing dispute despite the report that had been provided to them. I now have no access to my Citi account and am unable to log in to my own account to review other potentially fraudulent activity. They are now holding my account and the money that was stolen from me hostage. I was given no notice that my account would be closed. I had to close my debit and checking account because of this activity. I am now without a debit card for another week. I have no access to onl

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
While currently applying for a XXXX I found my original lender on my Title, XXXX. During the process of release it came to my attention the original lender was the same as the current lender, Wells Fargo. There have been modifications in XXXX, XXXX, and again during XXXX forbearance in XXXX. My interest paid went from {$5000.00} to {$27000.00} in XXXX and {$22000.00} in XXXX. I called Wells Fargo and would be hung up on, put on hold for hours until I would eventually hang up. I started making serious inquiries and was sent a check for {$5000.00} with an apology for a mistake having been made. I continued to press Wells Fargo for answers and now they have sold my loan to a new company called XXXX XXXX. My balance with Wells Fargo showed it at {$270000.00} with a {$40000.00} second but with the new company my balance reads {$220000.00}. Something very wrong has been going on! Not to mention my original loan was for {$270000.00} 25 years ago and until it was transferred to XXXX XXXX, it was still {$270000.00}.

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
In XXXX I deposited XXXX dollars into my account from my job ( post office ) and citi bank shut my account down for fraud when it was not fraud because they thought the check looked fraudulent they shut my account XXXX told me I had XXXX days to receive my funds in a check I never received it so I contacted them again they told me to contact my employer I contacted my employer and they told me to contact citi bank so everyone is giving me the run around about my money that I worked for

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had to file a dispute for XXXX because I had booked a hotel through XXXX which hotels.com didnt pay the property and had to due a new booking while on vacation. After I did the dispute I was told if merchant didnt resolve or respond I should get temporary credit. Now Im told due to the nature of the claim Im not eligible for temporary credit. When I faxed and provided the wrong the merchant has done. Now Im told I have to wait at least XXXX days and maybe even possibly an extended XXXX days after that to get my funds. I also called yesterday XX/XX/XXXX and due to my bother and upset said that if this issue wasnt resolved I XXXX have to close the account and the representative from the bank instead of helping me was willing to close my account right there and then. I will send proof of all that I sent the bank including email with the hotel and hotels.com

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This account appears to be reported more than once on my credit file, with identical or substantially similar account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent in a check to pay off my account. I have a credit of {$6500.00} plus that the credit card needs to send back to me. I have been calling since XX/XX/year> and I keep calling them and they refuse to send me back my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
I got a letter from the company that I need to pay them $ XXXX letter the loan was taken XX/XX/XXXX. I was surprised by this since I did not took a loan. I believed a got a letter the year XXXX from a court stating that I need to pay. I disputed this with the XXXX credit bureau XX/XX/XXXX. I responded and asked if they can provide proof of deposit and which bank money was deposited. I got another letter stating the same. I did not respond back since they have not given what I need. I again got a letter XX/XX/XXXX there was a court ruling and final that I have to pay. I submitted a letter to the court requesting to vacate judgment XX/XX/XXXX. I received exact judgment from the company that court ruled final on the case they filed. I am now seeking legal help because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americor Funding, LLC
State: IL

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting of the above-referenced account on my credit report. I am formally requesting validation of this alleged debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please be advised that I do not acknowledge this debt. Additionally, I have reason to believe this account may have already been paid and/or settled through a third-party agency. I request that you provide competent evidence of the following : The full name and address of the original creditor ( XXXX XXXX ) A complete account history, including the date of default and charge-off The exact amount allegedly owed, with a detailed breakdown of all fees, interest, and charges Documentation bearing my signature showing I agreed to this debt Proof that your company has legal authorization to collect on this account Proof that this debt has not been paid, settled, or otherwise satisfied Documentation showing that your reporting complies with the Fair Credit Reporting Act ( FCRA ) Additionally, if this debt was paid by a third-party agency, please provide documentation showing the chain of ownership and whether any balance remains legally collectible. Until you provide the requested validation, you must cease all collection activities and reporting of this account. If you have already reported this account to any credit reporting agencies, I request that it be immediately marked as disputed. If you are unable to provide proper validation, I demand that this account be deleted from all credit reporting agencies to avoid violation of the FDCPA and FCRA. All future communication regarding this matter must be in writing. Thank you for your prompt attention to this matter. Sincerely, XXXX 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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Sezzle Inc.
State: OR

Complaint narrative:
XX/XX/XXXX I added {$200.00} to my Sezzle balance to pay my payments through Sezzle. I was having issues making those payments with that {$200.00} so I reached out to Sezzle customer support. They did not respond to me until XX/XX/XXXX where they said the Sezzle balance is pending and thats why Im unable to make my payments. I specifically asked them to not pull from my bank as I added the necessary funds to the sezzle balance directly to make my payments and they did not respond. The same day and the day on the XXXX, the payments began to come out of my bank account which I did not authorize and resulted in me being negative XXXX $ in my bank. I reached back out to sezzle the same day I saw this and requested my XXXX $ be returned to me. They said no, you can use it for future payments. I said excuse me? So you can take an extra XXXX $ from me and theres nothing I can do about it? And so here I am because they continue to refuse to return my over payment. In the attached photos Everything outlined in purple are extra unauthorized payments. The highlighted blue is where I added the XXXX to my Sezzle balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Credit card company lowered my credit limit after paying it off - Your representative cited " credit utilization '' as the reason ; however, I have consistently paid more than my minimum payment and have XXXX late payments and recently paid the balance in full. This reduction has artificially inflated my utilization ratio, potentially damaging my credit score. I am requesting a reinstatement of my original {$2500.00} limit. I made a full payment of {$350.00} on XX/XX/year>, which cleared my bank on XX/XX/year>. As of XX/XX/year>, my available credit still shows only {$36.00} despite a {$0.00} balance. Under 12 CFR 1026.10, payments must be credited promptly. Holding these funds after they have cleared is a deceptive practice that prevents me from utilizing my earned benefits and managing my finances. In response to my initial inquiry, your office attempted to contact me at XXXX AM on XX/XX/year>. ( Please see attached screenshot for this XXXX seconds call to my mobile phone ) This is an unreasonable hour for consumer contact. Furthermore, when I answered, the agent hung up, and I have been unable to reach anyone via the return number provided.

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a customer service representative of Chase Bank promised to waive and revert late fees and interest charges for a series of payments that were XXXX day late. Fees were not reverted, and any further inquiry with XXXX was futile.

Company response to consumer: Closed with explanation