vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am formally disputing Citibanks refusal to authorize a legitimate transaction after I completed identity verification and confirmed the charge was authorized by me. I am requesting a written explanation for the denial, including whether this was a fraud determination, merchant restriction, or internal risk-policy decision. I also request escalation to a supervisor or executive response team for immediate review. Still Citibsno answer was that it was a high risk purchase. Even after I stated that it was reliable and I needed to make the payment, Citibank ignored my request. This has become a normal thing with Citibank.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
Its on my credit and I do t know why. Never signed up with these people

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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
My name is XXXX XXXX, born on XX/XX/year>, and the last XXXX digits of my Social Security XXXX are XXXX. I am writing to formally complain about incorrect information reported by the US Department of Education on my credit report, affecting multiple accounts. Specifically, there are XXXX accounts with the US Department of Education, all of which are reported as charge-offs on my XXXX credit report. These accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all are listed as charged off. This incorrect reporting is severely affecting my credit scores, which are currently XXXX with XXXX, XXXX with XXXX and XXXX with XXXX Such erroneous information has caused significant harm to my financial well-being, limiting my ability to secure loans, credit cards, and other financial services. I have attempted to resolve this issue directly with the US Department of Education but have not received any satisfactory response or correction. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report. The reporting of these accounts as charge-offs is inaccurate and has not been rectified despite my efforts. This inaccurate reporting is not only a violation of my rights under the FCRA but also continues to cause undue financial hardship. I am requesting the complete removal of all these accounts from my credit reports with XXXX XXXX XXXX XXXX This rectification is necessary to restore my credit standing and allow me to regain financial stability.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 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: Chime Financial Inc
State: MD

Complaint narrative:
I originally contacted Chime ( or the XXXXXXXX XXXX XXXX. ) disupute department for fraud within XXXX weeks of noticing an unauthorized charge for {$39.00}. This dispute was denied and I had my Credit Card replaced when I had reported the fradulent charge. This same charge amount appeared again within XXXX months under a different merchant account and I contacted the bank again reporting this fradulent charge and asking then to block both merchants from attempting to process any future charges. This XXXX dispute caused my debit card to be replaced. I asked for the original dispute to be re-opened because of the XXXX charge being the exact same amount. Both the XXXX dispute and the re-opened case were denied again. Tonight I saw a notification that that merchant ( XXXX ) attempted the same XXXX charge again which I was charge XXXX other times and contacted them again ( probably my XXXX or XXXX call regarding all of these attempted charges ). They are saying they are denying my request because I have no proof or documents like a receipt to help my case but how would that even make sense with fradulent charges. I previously worked with XXXX doing technical support with merchant processing and I know exactly how the dispute process works with credit cards and customers disputing charges and have NEVER heard a police report being requested unless it was a very large sum. The amount of time of energy wasted has led me to believe that Chime 's services are not providing their customers adequate consumer protections against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I opened this SOFI account a week before and on XX/XX/XXXX I decided to use some of my money for purchase. I received security phone call to verify it was me making the purchase and the person said I was good to go. Later on that evening all of my remaining money {$1900.00} were held and they stated the account is under review and it will take time not telling me why and when it will be released. This is unacceptable especially as a new customer. I was stranded on a trip and at a restaurant because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am submitting a complaint regarding inaccurate and inconsistent reporting of an alleged outstanding balance of {$58.00} by XXXX, which is being reflected on my credit report. 1. Summary of Issue A {$58.00} past-due balance is currently being reported on my credit file by XXXX. However, this reported balance is not consistently supported by XXXX internal account handling and customer service communications. 2. Inconsistent Account Information I have received conflicting information regarding the status of this account : - XXXX customer service indicated the account had been resolved or adjusted on my first negotiation. - However, one month later XXXX internal systems and credit reporting continue to reflect an outstanding balance of {$58.00}. - This discrepancy has not been clarified or resolved despite multiple attempts to obtain consistent information. 3. Previous Dispute Attempts I previously initiated a dispute through Experian. The investigation concluded that the information was verified as accurate, but no documentation, itemized billing breakdown, or validation of the alleged debt was provided to substantiate the claim. Additionally, attempts to resolve this directly with XXXX through customer support, store visits, and escalation channels have not resulted in a consistent or final resolution. An executive escalation was initiated but was not completed or followed through. 4. Impact This inaccurate and inconsistent reporting is negatively affecting my credit profile despite my good-faith efforts to resolve the matter directly with the company. 5. Requested Resolution I respectfully request the following : - Full validation of the alleged {$58.00} balance, including itemized billing records and documentation supporting its accuracy and current enforceability ; or - Correction or removal of this entry from my credit report if XXXX can not provide complete and consistent verification of the debt ; and - Correction of internal account status to ensure consistency across XXXX systems and credit reporting agencies. I have made multiple good-faith attempts to resolve this issue directly with XXXX, but the lack of consistent account information and supporting documentation has prevented resolution. Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Beginning XX/XX/year> I filled out an approved Loss Mitigation Notice had it notarized and sent back. I was later told the notary made an mistake on my name. And the form was rejected. I filled another approved Loss Mitigation Notice later in the month XX/XX/year> and was told that the notary put XXXX Driver License instead of just Driver License and that was rejected. In XX/XX/year> PHH/Onity Mortgage sent a notary to my home the approved Loss Mitigation Notice was filled out and notarized and was told that my wife 's name didn't look like her name and it was rejected. Later in XX/XX/year> PHH/Onity Mortgage sent another notary to my home and the approved Loss Mitigation Notice was notarized and was rejected again because the notary used a USA Passport for identification and it was rejected. The actions of my mortgage company PHH/Onity Mortgage seems to setting me up for failure and foreclosure.

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 2026-05-14 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: NC

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 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I reached out to the debt collector VIA email, as this is the only way I could contact them. I let them know they had not sent any information or attempted to reach out to me regarding this debt. Ive disputed this debt already with the past company and they agreed by no proof did I owe the debt. I noticed a new company put debt on my credit report without any notice for over 3 months with what they have as proof I owe or didn't pay the said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I took a home equity loan from XXXX bank and they required I pay off two other loans -- one of which was a personal loan with Barclays Bank. The titling agency mailed me a paper check to send to Barclays which I immediately sent via USPS as soon as I received the paper check. I have the USPS tracking receipt and the paper check was delivered last month. I have contacted Barclays many times to understand where the check is and why is has not been applied to my account. Meanwhile, interest is accruing and I am making additional payments. The irony is that XXXX wanted this loan to be paid off in full before taking out this new home equity loan and now I have two loans open both accruing interest. I maintain a XXXX credit score so I take this all very seriously. No one is helping me and I keep getting the run around.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: LA

Complaint narrative:
In XXXX I disputed faurdently charges on my account, I verified my identity like they asked, before the time frame they wanted, & my account is still not working to its full potential and they cant tell me why my account is closed for no reason, Ive been calling for 6 months or longer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
I am disputing the continued collection and credit reporting of an alleged XXXX XXXX XXXX XXXX account being furnished by Absolute Resolutions Investments , LLC . After receiving collection notices, I timely disputed the alleged debt and requested validation, including a signed contract or application, complete account history, account-level chain of title documentation, proof of the amount claimed, and documentation establishing the legal right to collect and report the account. The responses provided were insufficient and did not fully validate the alleged debt. The documents provided consisted primarily of a generic bill of sale, limited account information, and a statement, but did not include complete account-level documentation proving ownership, accuracy, or enforceability of the alleged debt. Despite my disputes and requests for validation, Absolute Resolutions Investments , LLC continues furnishing this account to credit reporting agencies as accurate and verified. I believe the reporting is inaccurate, incomplete, and insufficiently verified. I am requesting deletion of this account from all credit reporting agencies unless Absolute Resolutions Investments , LLC can provide complete account-level documentation fully validating the alleged debt and its legal authority to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My consumer credit file contains information that is inaccurate, incomplete, and unverified, requiring an immediate and legally compliant reinvestigation. Pursuant to Section XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act ( FCRA ), any information that can not be verified through proper procedures must be promptly deleted or corrected. The continued reporting of such information without sufficient evidentiary support violates my rights as a consumer and fails to meet the statutory standard of maximum possible accuracy.

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 2026-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
XX/XX/year> Radius Global Solutions LLC, debt collectors emailed my estranged father and informed him of my medical debt and amount. This was done via his email and the services were rendered when I was an adult and he had no authorization to be informed of any of my medical services, much less be contacted for my unpaid bill.

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 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding collection accounts appearing on my credit report that do not belong to me. I actively monitor my credit, and these accounts were reported without my knowledge or authorization. I have never had any involvement with or approved these accounts, and it is unacceptable and concerning to see inaccurate information associated with my name. I am requesting an immediate investigation and prompt correction of this matter without delay.

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 2026-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
XXXX of XXXX, my leased vehicle with XXXX XXXX was nearing my lease end so I leased a new vehicle from the same dealership and they financed under a different financial institution. I never asked for this change but the dealership felt it was for my best interest. On XX/XX/XXXX, I received a letter from XXXX stating I owed {$300.00} for the balance of my lease. I contacted XXXX the next day to dispute this debt and they stated over the phone that I owed nothing and the debt was paid. I then received another letter from XXXX confirming the account was paid in full. A few weeks later, I received another letter from XXXX stating I owed {$300.00}. This was received after I received the paid in full confirmation. I contacted XXXX again and they stated over the phone, the account was paid in full. On XX/XX/XXXX, I received a letter from TSI Collection Agency stating XXXX reported this debt owed and TSI is attempting to collect on their behalf. I contacted TSI regarding the conversations I had with XXXX and they stated they would review with XXXX in regards to the disconnect/miscommunication between companies. I am continuously being harassed via phone calls and letters in the mail regarding this debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EdFinancial Services
State: FL

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security XXXX are XXXX. I am writing to file a complaint against XXXX regarding incorrect information on my credit reports. I have seven accounts with XXXX, all with a balance of {$0.00} and marked as derogatory on both XXXX and XXXX reports . The accounts are as follows : - Account 1 : XXXX XXXX XXXX XXXX XXXX - Account 2 : XXXX XXXX XXXX XXXX XXXX - Account 3 : XXXX XXXX XXXX XXXX XXXX - Account 4 : XXXX XXXX XXXX XXXX XXXX - Account 5 : XXXX XXXX XXXX XXXX XXXX - Account 6 : XXXX XXXX XXXX XXXX XXXX - Account 7 : XXXX XXXX XXXX XXXX XXXX Despite all accounts showing a {$0.00} balance, they are reported as derogatory, negatively impacting my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This has caused significant harm to my creditworthiness and financial standing. I believe this reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies maintain accurate and complete information. On XX/XX/XXXX, I filed a dispute with XXXX to correct these details, but the derogatory status remains. This persistent inaccuracy is unjust and hinders my ability to access necessary credit facilities, affecting both my personal and financial life adversely. I request that XXXX immediately remove these derogatory marks from my credit reports with XXXX, XXXX, and XXXX. It is imperative that my credit reports accurately reflect the {$0.00} balance and non-derogatory status of these accounts, in compliance with FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I am filing this complaint regarding Citis failure to properly apply Military Lending Act ( MLA ) annual fee protections to my Citi XXXX XXXX account, despite my status as an active-duty servicemember and covered borrower. For over three months, I have been attempting to resolve this issue directly with Citi XXXX XXXX. During this process, I was incorrectly denied benefits after Citi treated my request as an SCRA/SGLI interest rate request instead of what I was actually requesting : an MLA annual fee waiver/refund for the Citi XXXX XXXX card . The issue was further complicated by a clerical/data-entry error made by Citi. My Social Security Number was entered incorrectly in XXXX system, which prevented proper verification of my covered borrower status. I spent several hours across multiple phone calls identifying and correcting XXXX internal error before I could even begin the formal refund process. Despite being an active-duty member of the United States Air Force and a covered borrower under the MLA, Citi charged me the {$590.00} annual fee on my Citi XXXX XXXX account. I paid the fee to avoid potential late fees, interest charges, and credit damage, but the fee should never have been assessed in the first place. I provided Citi with supporting documentation multiple times, including military pay stubs and proof of active-duty service. I am requesting that Citi : XXXX. Verify and acknowledge my XXXX covered borrower status, XXXX. Refund/credit the full {$590.00} annual fee, XXXX. Correct any internal account or verification issues related to the incorrect Social Security XXXX entry, and XXXX. Expedite resolution due to the prolonged delay caused by XXXX own internal error. This matter has caused unnecessary financial stress and inconvenience for several months, despite repeated attempts to resolve it directly with Citi.

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