vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized collection activity being reported and communicated by Jefferson Capital Systems. Jefferson Capital Systems is claiming that I owe a balance ; however, I have no account, agreement, or contractual relationship with this company. I have not opened an account with them, nor have I authorized them to collect any debt on my behalf. Despite this, they are reporting or attempting to collect a balance that I do not recognize. This is extremely concerning and appears to be a violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, which require debt collectors to report accurate information and properly validate any alleged debt. At this time, I am formally disputing this alleged debt in its entirety. I am requesting the following : Immediate investigation of this matter. Full validation of the alleged debt, including the original creditor, signed agreement, and full accounting of the balance. Immediate removal of any negative reporting related to this account from my credit file with Experian, Equifax, and TransUnion if they can not provide proper validation. Immediate cease and desist of all communication and collection attempts regarding this alleged account and these XXXX account remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: TX

Complaint narrative:
When I access my student loan account there are loan amounts listed, I apply for forgiveness but deny because my employers are ineligible. Payment statues is in XXXX been sold off several times from XXXX, XXXX and others I don't remember. I didnt get a job in the field of study from which I obtained the degree as promised by the school at the time of enrollment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Klarna AB
State: NH

Complaint narrative:
I have been working on resolving this refund with Klarna since XX/XX/year>2025 with no resolution. Klarna refuses to issue the refund to the correct account and is charging me interest at XXXX XXXX for money they have received from my Original Point of Purchase. I have spoken to, emailed and " Chat '' many times and still have no definitive answer why this matter isn't resolved. I'm told it's being sent to their escalation team and when I receive a response, it's always it's been refunded- to the wrong account and they can't put it to the correct one until the refund used toward my payment is depleted, leaving me with an approximately {$530.00} balance of interest to pay at the end of 18 months. This purchase was a vacation package with XXXX XXXX for {$2200.00} that was cancelled in XXXX 2025 due to the Hurricane that impacted the island of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I called the bank to inquire why my account was suspended. They said they were not sure it had been assigned to a special department reviewing my account. When I pressed why my account had been under review for 7 months and was still suspended, I was informed that my account had suspicious activity, then I asked how long it takes to review a suspicious account. I was told they didn't know, but I would receive an email when it was released. I informed the operator at the bank that this is my money and I needed to know the problem, and she restated that I would receive an email when it was released. NO help, don't know why they are holding my funds. How can you just suspend my account and not tell me why or when it will be released? its amount is over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
My vehicle was repossessed in 2020. I hereby request the following documents : 1 ) Original Purchase Agreement & Loan Documents. 2 ) Copy of Resale of vehicle including upset price where my original balance was brought down to {$100000.00}. 3 ) Copy of repossession including copy of title transfer. Thank you. 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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Someone opened a Capital one account in my name without permission

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
On approximately XXXX XX/XX/XXXX2022 I contracted with a moving company to pack and move my household goods from New Mexico to XXXX XXXX, MO. This was over the holidays as we needed to get settled and get my Son Enrolled for school. The company was scheduled to pack my household goods on XXXX XXXX and Move them on XXXX XXXX. The company originally was helpful but the Scheduler who booked the Job blocked my calls and the Moving company he used confirmed the information we were give was false. I asked for a refund but did not receive credit. The Credit card company ( Synchrony ) reversed the charges but later added them back to the card. Services were never provided for the prepayments made. We made to prepayments of {$4700.00}. This was disputed before and the credit card company reversed one of the two charges for the move and said the case was closed. This company chose XXXX because of their policies as I tried to put the charge on My XXXX card and they would not because of XXXX XXXX polies to put the customer 1st. Not only has this moving company defrauded me but the credit card company too. Synchrony wants me to cover the cost of this fraud even though I've reported it to them over 24 different months. This was previously filed but only partially addressed. On XXXX XXXX 2022 we made a deposit to United States XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. XXXX XXXX XXXX XXXX : XXXX ) to move us from XXXX XXXX New Mexico to XXXX XXXX, MO. We made two deposits of {$4700.00} to using our Synchrony XXXX 's XXXX. When we called to finalize details of the move with the Company we found out we had been hold was a Lie. We asked for our deposit back. No response. We reported this to synchrony bank and they gave us a credit. The company failed to pack out our Household goods on XXXX XXXX and never moved our goods to XXXX XXXX. We had to hire a second company to move us which we paid for in XXXX 2023. I have tried to work with the credit card company since 2022 and their position is for me to pay for the Service I never received.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I filed two debit card disputes with Wells Fargo regarding charges from XXXX XXXX XXXX XXXX for reservations canceled on XX/XX/XXXX for XXXX XXXX XXXX. I canceled the reservations immediately after booking, and no services were provided. Wells Fargo provided provisional credits to my account, but I have not received any final resolution or a written acknowledgment of the dispute after more than 45 days. I also had ongoing communications with the merchant, who refused to refund the charges, and the XXXX case related to this issue was closed due to nonresponse by the merchant. Given that the reservations were canceled immediately and no services were rendered, I believe these charges are unjustified.

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 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX } Complaint Against Citibank Withholding of Funds My name is XXXX XXXX XXXX, and I am filing a complaint regarding Citibanks refusal to release my funds totaling {$24000.00} ( {$170.00} in checking and {$23000.00} in savings ). Citibank previously informed me that my account had been under review and that my funds would be released within XXXX days. It has now been more than 30 days, and I still have not received my money. On XXXX XXXX, 2026, I contacted Citibank to request the status of the check that I was told would be issued to return my funds. At approximately XXXX PM, I spoke with a Citibank representative for about 18 minutes. During this call, the representative informed me that my check was ready and instructed me to go to the XXXX Citibank branch to pick it up. After this call, I contacted Citibank again and spoke with an account supervisor named XXXX, who told me that I would not be receiving my {$24000.00}. Confused by this contradiction, I asked for clarification because I had just been told that my check was available for pickup. I was then transferred to a manager named XXXX, and the call lasted approximately XXXX hour and XXXX minutes starting around XXXX PM. During this conversation, XXXX stated that Citibank would be keeping my money and that he would send an internal email to find out what was going on and get back to me. I have phone records confirming the duration of these calls. Citibank has provided conflicting information and has not given me any clear legal explanation as to why they are refusing to release my funds. These funds represent my personal savings, and I have cooperated fully with their review. I am requesting the immediate release of my full balance of {$24000.00} or a written explanation citing the exact legal basis for Citibank retaining my funds. I respectfully request that the CFPB investigate this matter and require Citibank to return my funds. Sincerely, XXXX 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 monetary relief
Consumer complaint received 2026-03-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year>, I redeemed XXXX Capital One miles through Capital One Travel to purchase three Economy class tickets for XXXX flights XXXX ( DEN-YUL ) and XXXX ( YUL-BCN ) departing XX/XX/year>. Confirmation number XXXX. I specifically chose Economy at $ XXXX over Basic Economy at $ XXXX because Capital One Travel 's fare comparison explicitly stated that Economy includes " Seat selection included '' while Basic Economy shows " Seat selection not available. '' When I attempted to select seats, XXXX directed me to XXXX XXXX ( operating carrier ). XXXX XXXX confirmed that Capital One XXXX did not book us in a fare class that includes seat selection. They stated our tickets were booked as " Economy Standard '' which does NOT include seating, despite the fare comparison advertising this benefit. On XXXX XXXX, 2026, my spouse spent over an hour on calls with XXXX XXXX XXXX XXXX, and Capital One XXXX attempting to resolve this. Capital One XXXX supervisor XXXX ( XXXX XXXX office ) refused to correct the booking or refund the {$300.00} premium we paid for the seat selection benefit, claiming we could not " downgrade. '' We are not requesting a downgrade. We are requesting delivery of the benefit we paid for when redeeming our miles. Capital One XXXX sold us a product with an explicitly advertised benefit, accepted our miles redemption for that product, then failed to deliver what was advertised. Requested resolution : Refund of {$300.00} representing the premium paid for a benefit not delivered, plus reimbursement if we are forced to purchase seat selection separately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: UT

Complaint narrative:
On XX/XX/year> I got a notification of a derogatory note hitting my credit score. Upon opening my credit I found a collection company by the name XXXX XXXX XXXX. I called them directly, and was met with a rude, condescending customer support person who threatened legal action if I did not make payment. I explained I had never received, nor know of any debts in my name that are not within good standing. Since the call did not go well, I then connected with my credit bureaus to file a complaint. I have been working with my local law enforcement to obtain a police report. My credit then went on lockdown for the foreseeable future. XXXX XXXX then sold that debt to a new company called Sunrise Credit Service. I just contacted them to let them know I am disputing it, and will send the police report to their corporate office as well. While on my XXXX account, I noticed two fraudulent home address outside the state I have lived in for 30+ years. I have again filed fraudulent credit and address information with the other two bureaus as well.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
The online application only allows me to go back until XXXXXXXX XXXX XXXX but I have been with Wells Fargo for over 10 years, this means that I probably have a lot more overdraft fees. Since XX/XX/year> I have 47 overdraft fees! I have called the bank and asked them to turn off the overdraft fees and I was told they would not do that, this is insane.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I was scammed out of XXXX through the XXXX application through Wells Fargo and they won't refund the funds.

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 2026-03-04 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: FL

Complaint narrative:
long time ago I have opened my account on this bank and after many time and many activities and transactions this bank has been restricted my account with many funds there, so after received the restriction notification I just contact support and go to offices many times and the baners never offer any solution because dont have any idea about that, so after that support on the line just said my account will be closed without any reason or more information so after many complaints and long long time waiting for my respective funds issued on the regular check is still not received anything, at this time need informationn about what are happening on this situation and what are the regulations based on your side for held my money and just earn interest on that?, I know this bank is going to be broken but after ask to attorneys this company/bank dont have any arguments for held my funds earning interest for the bank, so if need to make an other legal procedure or something please let me know, I will come to a news local channel for express and publish this history for able to obtain our attention, I just want cooperation on your side for solve this so I hope for that!

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
I got an email stating that I owed money on my SoFi card of {$9.00}. I always pay my card in full and knew I had not owed any money. So I called the company thanking someone that breached my credit card. They said they sent me an email that they were going to start charging {$10.00} a month for a security fee. I've had my credit card for years and I've never been late. I made it very clear. I was not paying a {$10.00} security fee and they needed to take my card from elite to standard. They refuse to do it. I find this unacceptable to customers. I'm more concerned about customers that are on Social Security that can't pay an extra {$10.00} for absolutely nothing. The company is trying to XXXX people out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XXXX {$3800.00} taken out my savings and transferred to individual. He got assessed to my phone and banking information. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This letter supplements my CFPB complaint to ensure Citibank , N.A . is formally notifiedthrough the CFPB recordof my clear and final request to close all Citibank consumer credit card accounts listed above, effective immediately ( XX/XX/XXXX ). My complaint does not concern a single billing issue. It arises from unprofessional and hostile conduct by a Citibank representative ( XXXX ) and a supervisor ( XXXX ) during a call on XX/XX/XXXX. The supervisor repeatedly interrupted me, raised her voice, and escalated the interaction rather than addressing my concerns. This conduct prompted my BBB and regulatory complaints, after which I stopped using all Citibank accounts. Citibanks written response failed to meaningfully address this misconduct. I requested acknowledgment of wrongdoing, an apology, and confirmation of corrective action. Instead, Citibank provided a boilerplate response stating only that my comments were forwarded to management, with no indication that the issue was taken seriously. As previously noted, all calls were recorded to substantiate my statements. Citibank recently upgraded my status in good standing and provided me with a credit limit increase in an attempt to keep me as a customer however, Citibanks failure to demonstrate accountabilitycombined with repeated errors, misinformation, and account misconfigurationsI have lost confidence in Citibanks customer service, supervisory oversight, and complaint-handling practices. Simply put, Citibank refuses culpability for their own employees tort feasance yet attempt to pin that blame on to their own customers as a scapegoat. Not only is does this represent their own nescience on several levels but demonstrates a level of imprudence. Accordingly, I hereby direct Citibank to close all accounts listed above immediately. This letter is intended to eliminate any ambiguity regarding my intent and to ensure that this closure request is memorialized within the CFPB complaint record. I will not conduct business with Citibank in the future. Regulatory Concern I raised these concerns in good faith and with the expectation that Citibank would treat customer misconduct complaints seriously. Instead, the response reflected indifference and inadequate complaint resolution practices. Consumers should not be dismissed after experiencing disrespectful and unprofessional treatment by customer service personnel. I appreciate the CFPBs role in ensuring that regulated institutions respond appropriately to consumer complaints and properly execute account closure requests once made. Thank you for your attention to this matter.

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