vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have a Best Buy-branded credit card issued by Citibank. I received a targeted promotional offer for a 5 % category bonus. The activation link in the email leads to a nonfunctional page stating the offer can not be viewed. I later received a reminder email stating I had not yet selected a category, which included a new activation link. That link also fails with the same error. I have spent over a week contacting both Citibank and Best Buy and have been repeatedly transferred between departments. Citibank has stated they can not manually enroll me or resend the offer. Best Buy has stated this is not their issue. I am being actively marketed a financial promotion but have no working method to access or activate it.

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: NM

Complaint narrative:
I am being permanently barred from banking services by SoFi Bank over an outstanding 'charged-off ' balance of {$0.00}. Despite my willingness to pay, SoFi has failed to provide a repayment mechanism, claimed the debt is in collections ( which is not reflected on my credit reports ), and refuses to provide the name of the alleged collection agency. This lack of transparency prevents me from resolving the debt and constitutes an unfair practice under 12 U.S.C. 5531 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
URGENT Incorrect Charge-Off Reporting and Failure to Resolve by American Express I am filing a formal complaint against American Express for inaccurately reporting a charge-off on my credit account and for failing to assist in resolving this matter. I maintained an American Express credit card for approximately three years with no preset spending limit and consistently made my required payments on time. At no point did I fail to meet my payment obligations in a manner that would justify a charge-off. Despite this, my account has been reported as a charge-off, which is completely inaccurate and misleading. Additionally, my account was closed by American Express. However, I did not default on the account, and a charge-off designationwhich implies prolonged nonpaymentdoes not reflect my payment history. This incorrect reporting has caused significant harm. I was recently denied housing as a direct result of this charge-off appearing on my credit report, leading to financial hardship and emotional distress. I have made repeated attempts over the past three days to resolve this issue directly with American Express, including multiple phone calls and online chat interactions. Despite these efforts, I have not been provided with accurate contact information for the appropriate department. Representatives have failed to direct me to the correct channel and have not taken meaningful steps to assist in resolving this error. This lack of cooperation has delayed resolution of a time-sensitive matter. Under the Fair Credit Reporting Act, furnishers are required to report accurate information and correct any errors once notified. American Express has failed to meet these obligations. I am requesting the following : Immediate removal of the inaccurate charge-off from all credit bureaus A full and thorough investigation into this reporting error Written confirmation once the correction has been made A complete account history, including payment records and documentation supporting the charge-off determination This matter is urgent due to its direct impact on my ability to secure housing, and I expect a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: CA

Complaint narrative:
I am filing this complaint against PayPal for holding my funds despite a completed transaction. I sold a personal laptop that I no longer use, as I recently purchased an XXXX. I am not a frequent seller ; this was a one-time personal sale. After completing the sale, PayPal charged a transaction fee, which I understand. However, they placed a hold on my funds. I was previously informed by PayPal that once the buyer received the item, the funds could be released. The item has already been delivered, and I personally confirmed with the buyer that they received the laptop and are keeping it. Despite this, PayPal continues to hold my money. Additionally, PayPal imposes conditions such as requiring sellers to complete more sales or increase their activity on the platform in order to speed up the release of funds. I consider this practice inappropriate and abusive, as it pressures users to conduct more transactions just to access their own money. I have used PayPal multiple times as a buyer, although not frequently as a seller, partly due to the concerns I have heard about situations like this. Even so, it is not reasonable to require me to increase my activity on the platform in order to receive funds that already belong to me, especially when PayPal has already collected its commission for the transaction. I have contacted PayPal multiple times to resolve this issue, but I have not received a clear or effective solution. I have fulfilled all requirements as a seller, and there is no valid reason for my funds to remain restricted. It is very concerning that PayPal charges fees for the transaction while at the same time restricting access to my money even after the transaction has been successfully completed. I request that PayPal immediately release my funds and provide a clear explanation for this hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year>, I followed explicit technical instructions from a PayPal representative while at a XXXX checkout. These instructions were technically incorrect, causing the transaction to decline repeatedly ( Evidence : XXXX ) despite a verified available balance of {$900.00} ( Evidence : XXXX ). I have also attached a call log ( Evidence : XXXX XXXX showing a XXXXminute outgoing call to XXXX 's security team at XXXX, during which I was acting under live guidance that failed. This resulted in significant public embarrassment at the point of sale and a financial loss of {$45.00} in rewards/restitution. On XX/XX/year>, a Senior Representative ( XXXX ) confirmed the grievance was valid and offered a {$45.00} restitution ( Case ID : XXXX ). Despite this admission of fault and the documented offer, XXXX XXXX agents have spent the last XXXX days trapping me in a repetitive " support loop, '' refusing to execute the credit. Furthermore, during this correspondence, a representative ( XXXX XXXX ) committed a Personally Identifiable Information ( PII ) breach by addressing me as " XXXX XXXX XXXX '' ( Evidence : XXXX ). This indicates a failure in account data segregation. The company has failed to provide a technical resolution or a data integrity disclosure regarding the cross-contamination of my account with another users data.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX - intentional behaviors hit the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lights Fog light. This incident is identified as an insurance fraud Embezzlement and fraud, including XXXX XXXX and XXXX XXXX of XXXX XXXX CA. Suspect changed the insurance policy Coverage and added 2 more vehicles, and criminally eliminated my Vehicle from the insurance claim, thus the only vehicle viewed as hit by the high speed driver on the driver 's side and left rear end, caused an estimated XXXX vehicle damage, and towed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA, and maintained over an extended time caused by XXXX and XXXX XXXX, XXXX XXXX blamed XXXX for the initial monetary fraud, and the loss of XXXX coverage due to the theft of the vehicles and internal pre-meditated Embezzlement from the Auto Body Shop Staff attempted unlawful and criminal title theft as the vehicle is being repaired and defendant insurance approved for my Vehicle repairs. Prior to XX/XX/XXXX, I attempted to have the vehicle recovered by XXXX in XXXX XXXX CA XXXX XXXX provided documents, for the release of the vehicle, but suspects maintained their criminal intent to embezzlement the vehicle and cause me to pay for the remaining loan for criminals stealing the vehicle. As I attempted several attempts with law enforcement and XXXX XXXX XXXX XXXX the California XXXX stated the Employees at XXXX XXXX XXXX XXXX attempted several calls to steal the title of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). The vehicle became a continuous incident of embezzlement, that lead to the vehicle remove from the Auto Body Shop to XXXX for sale and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA. I discovered the vehicle And acquired permission from the representative of AutoRace to recovery the vehicle with the XXXX XXXX XXXX XXXX Report XXXX # XXXX I.D NO : XXXX Location Code : XXXX. XXXX XXXX XXXX stole the vehicle with XXXX male XXXX CA XXXX XXXX addressing the auto recovery with verbal threats and physical aggression, and stole the vehicle.

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 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against Bank of America regarding identity theft, account closure, and denial of access to my accounts and dispute process. I am a victim of identity theft. Instead of helping me investigate and dispute fraudulent activity, Bank of America closed my accounts, prevented me from opening any new accounts, and denied me access to my accounts and online banking without proper notice. Because of this, I was unable to file disputes, upload supporting documents, or fully respond to unauthorized activity affecting my accounts. I was effectively blocked from protecting myself after identity theft. I was not given a fair chance to access my records, submit evidence, or resolve the matter through the banks normal dispute process. This has caused serious harm to me financially and personally. It has interfered with my ability to manage my money, respond to fraud, and preserve my rights as a consumer. I want Bank of America to : * provide access to my account records, statements, and dispute history * explain in writing why my accounts were closed and why I was blocked from opening new accounts * allow me to submit disputes and supporting documents for unauthorized transactions * identify whether they reported me to XXXX, XXXX XXXX XXXX, or another reporting agency * correct and remove any inaccurate negative information caused by identity theft * conduct a fair review of my case as an identity theft victim I am requesting immediate intervention and a written response from the 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 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Palmar, Inc.
State: LA

Complaint narrative:
I dont know any of these third parties and it was a data breach on my XXXX and XXXX accounts

Company response to consumer: Untimely response
Consumer complaint received 2026-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: GA

Complaint narrative:
I am filing a complaint against Klarna regarding an unresolved billing error. On XX/XX/XXXX, I made a purchase through Klarna with XXXX totaling {$220.00}. This purchase included a {$32.00} Protection Replacement Plan ( PRP ). On XX/XX/XXXX, I returned to XXXX and requested a refund for the PRP plan. The refund in the amount of {$32.00} was issued to my personal bank account, which is the same account used to make my Klarna payments. I also have documentation confirming this refund via email correspondence with XXXX, receipts, and bank statements. Beginning in XX/XX/XXXX, I submitted proof of this refund to Klarna multiple times. Despite this, Klarna continues to charge me as if the full {$220.00} balance is still owed. Klarna initially stated they would pause my payments to investigate the issue ; however, they immediately reactivated my payment schedule without resolving the billing error, stating that my evidence is " insufficient ''. I have made multiple attempts to resolve this issue directly with Klarna, but they have failed to correct the balance or properly escalate my case. And, to make matters worse, I have only one payment left to make to complete this purchase that should approx. be around {$43.00}, but they are trying to force me to pay more for a product I was refunded with a balance of {$76.00}. Klarnas continued billing despite documented proof of refund constitutes an ongoing billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
utility bill was wrongful listed on my credit report its low affordable income shouldnt have been on there for no reason I dont owe also its like they never closed the account, then when I try to send the letter off certified it said at the postal office thats not a address so I am disputing this error and thats not my name any more on the account, the water bill company is fake third party inaccurate water bills always

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Pursuant to 15 U.S.C. XXXX ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), this letter serves as formal notice that you are to cease and desist all communication with me regarding this alleged debt. In addition, I formally dispute the validity of this debt in its entirety. This alleged balance stems from a prior rental agreement in which I lawfully terminated my lease after providing proper written notice due to the landlords failure to remedy conditions that materially affected my health and safety. Notices were submitted in accordance with applicable Florida law, and management acknowledged receipt. Despite this, inconsistent and unjustified chargesincluding rent, early termination fees, and damageswere applied and subsequently referred to collections. Because the debt is disputed : You are required under federal law to cease collection efforts until proper validation is provided. Any reporting of this account to credit bureaus must be marked as disputed in compliance with the Fair Credit Reporting Act. You are hereby instructed to : XXXXCease all communication with me except as permitted by law ; XXXXProvide full validation of the alleged debt, including a complete itemization of charges and proof of my legal obligation to pay ; XXXXNotify any credit reporting agencies to which you have reported this account that the debt is disputed. Be advised that failure to comply with these requests, or any continued collection activity without proper validation, may constitute violations of the FDCPA and the Fair Credit Reporting Act. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and to pursue any legal remedies available to me. This letter is not an acknowledgment of liability, nor a refusal to pay a valid debt, but a notice that your claim is disputed and must be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo requesting a full refund review of overdraft fees A representative applied a partial waiver without clearly explaining consequences I was not informed this would count as my annual courtesy waiver I later learned I was no longer eligible for further refunds I escalated to supervisors who refused to reverse or review the situation

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 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT

Complaint narrative:
I am filing a complaint regarding an inaccurate remaining balance and charge-off following a total loss auto loan. My vehicle was totaled and insurance paid {$23000.00} to Mazda Financial Services. The remaining balance of approximately {$4600.00} is being reported as a charge-off. The dealership ( XXXX XXXX XXXX ) confirmed in writing that multiple refund checks were issued for canceled products ( service contract, add-ons, etc. ), totaling approximately $ XXXX. However, Mazda Financial Services has confirmed they have not received or applied any such refunds to my account. This creates a clear discrepancy regarding missing funds that should have reduced or eliminated the remaining balance. I have attempted multiple times to obtain documentation and clarification from the dealership, but they have not responded. I am requesting : Verification of the account balance Investigation into missing refund payments Correction of any inaccurate balance and credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Prosper Marketplace, Inc.
State: NC

Complaint narrative:
Validation and verification of their legal right to collect. Why is the debt being reported by multiple agencies Texting and emailing XXXX times per week which is a violation that should be resulting in penalties paid to me for abuse

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: NV

Complaint narrative:
I recently applied and was automatically denied. I believe my identity is flagged due to a prior identity theft case. I am requesting a formal review by your risk or compliance team ( department ), and confirmation whether I am permanently ineligible. To be honest, based on everything that I have seen and heard from Chime whether if its over the phone, or through the website, or even one of their own representatives, I know the message that I had received after applying was system-level denial. I did have a past fraud/identity theft case before with Chime, and now Im pretty sure that reapplying wont work unless something is manually cleared. This is a case of identity theft. I did not open, use, or benefit from that account in any way. The account was later closed, and reporting associated with it includes remarks such as " account closed at consumers request '' and " account paid from collateral, '' which do not accurately reflect the fact that the account was fraudulent. I attempted to open a new account with them, and my application was denied with a generic message stating that " based on the information provided '' I could not be approved, and that no further details could be given for security reasons. So, to my knowledge, it appears that my identity may be internally flagged in connection with the prior fraudulent account, despite the fact that I was a victim of identity theft. The situation is preventing me from accessing basic financial services and may indicate that inaccurate information is being used against me internally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Possible Financial Inc
State: WA

Complaint narrative:
During XXXX I was going through a financial hardship with my rent & my income where I wasnt earning enough funds. I would borrow loans & credit with XXXX. However I wasnt able to pay it off & asked to reduce my payment but was rejected due to my hardship & needed to pay full payment.

Company response to consumer: Closed with explanation