vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OK

Complaint narrative:
I went to XXXX unlawfully XXXX of XXXX almost XXXX. I left my Dog and phone and fruend in car they didnt go to XXXX. My friend had grabbed my phone and before I was even XXXX he had given it to his girlfriend XXXX XXXX whom I just met from a XXXX buddy it's his daughter. I get out of XXXX on the XXXX XXXX. Didn't get home until the XXXX. I asked if anyone had my phone. XXXX said she had lost it. A few days go by she still couldn't find it, and she wouldn't let me use her phone she said it couldn't make calls. XX/XX/XXXX a friend came over for me to do the brakes, she let me use phone to call my bank. I had XXXX money left in my account. I didnt tell XXXX I was on to her. I waited around asked then a dozen times in two day where my phone she said can't find it. I got a ride to another friend house where I tried switching my bank knowing she robbed me and will again. I was to late. The next XXXX payment came in the XXXX I had been on the phone with them by now 25 times and kept telling them she is gon na steal my money again they didnt answer or find any problem. I had my debit card on me when arriving at XXXX. So XXXX XXXX at XXXX getting groceries hoping she didnt get the text my money has arrived. I pay for groceries and new phone, afterwards the alert must have triggered XXXX and she started draining my account while I was on the phone with them. I finally almost down to XXXX dollars out of XXXX XXXX XXXX and XXXX ATM. Got them to close my account. Days go by I needed money so I had them reopen my account but only if my card was only thing that could use my cash. By that time I call and accuse XXXX of stealing my money she said still not having my phone she wouldnt ever. The XXXX came around i proved she was taking it while i was on the phone with them. I was able to get my old phone number back the XXXX of XXXX and immediately got back my online access. Thats when I seen exactly when and where. She had transactions lots and them on pay anyone. I got my XXXX records proving it wasnt me she was spending at XXXX XXXX of XXXX she waisted no time. I made a police report it's perjury if I lie. I'm telling the truth, and I got that evidence to chimer well as. They still denied it im XXXX down couldn't pay to get my car out of impound. The tow lot now owns it. Chime gave her loan, I couldn't get a loan from them, go figure a thief can. After giving all evidence showing it's XXXX not me im out of new paperwork to fine any more disputes and I filed about 13 times. Please I need to try and fix somethings she ruined and I can't when chime wouldn't listen to me. It says I can verify your identity by calling you back. How is that identity verification? It's a phone verification and it was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I open accounts recommend my friend XXXX in Citibank she have account too then us go Citibank in XXXX Virginia and deposit a check worker compensation in XX/XX/year>XXXX and they say to us is available XX/XX/XXXX and then they blocked account first me used account buy deposit normal then deposit a check worker compensation they blocked account not give info nothing couples month. My name 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 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
On XX/XX/year>, I called my Citi XXXX XXXX XXXX XXXX to ask why is it that I have to change my password EVERY time I log into my account for the past 6 months or more. I requested a Supervisor to speak to and Customer Service transferred me to a Supervisor who then transferred me to " Technical '' which put me back at Customer Service which gave me a direct number to Technical. I dialed that number and it was another Customer Service rep who had a thick idiomatic accent and somewhat muffled and I think said there was no Technical dept. It was a " XXXX ''. I got NO resolution to the ongoing problem. So, I can pay my bill each month over the phone ; it is not a long wait but I have to enter account numbers, etc. which takes longer than being able to pay online. It is time consuming and exhausting to try to resolve and am also exhausting passwords.

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 2026-05-29 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: NC

Complaint narrative:
Macy 's Credit card that was a XXXX XXXX card that I could use anywhere had an {$1100.00} limit. They sent me a notice that my limit was increased and then payments became much bigger then expected. Interest and fees became outrageous! I couldn't keep up with the billing and XXXX Citibank sent this to collections attaching so many fees, taxes and interest and other charges that have become erroneous!!! This company is unethical in their lending practices and coercive. Now they are stating that i owe them {$4200.00} and I have been sent to collections and has a negative impact on my credit!. Fraudulent company at best.

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 2026-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding Citibank 's repeated denial of my credit card applications and its failure to provide a clear explanation. More than five years ago, I was a Citibank credit card customer and experienced multiple instances of fraud involving unauthorized charges. I promptly reported each incident and was not responsible for the fraudulent activity. Despite this, Citibank ultimately closed my account. Since then, I have maintained an excellent credit history with no late payments, collections, charge-offs, or bankruptcies. Nevertheless, Citibank has consistently denied my applications for its credit card products. I have repeatedly contacted Citibank seeking an explanation and asking whether my prior fraud-related account history is affecting my eligibility. However, I have not received a meaningful response. I respectfully request that Citibank explain the reasons for these denials, disclose whether internal records related to the prior fraud incidents are influencing its decisions, and review my applications based on my current creditworthiness. I believe it is unfair to be adversely affected by events in which I was the victim, especially given my strong credit history. Thank you for your assistance in reviewing 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 explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, PROBLEM : In XXXX of 2025 I got charged twice for a car rental. I was going to my aunt 's funeral. I used my Citi Thank you preferred credit card to book with points that I had earned. The car booking was XXXX. WhenI got to Texas I learned the car did not have navigation features. I upgraded because I was tasked to drive my relatives during this sad time. I was told by the rental car clerk that I would pay just a little more. I handed him my Citi XXXX Credit card but got a big charge of XXXX. So I paid TWICE. I tried calling, chatting, emailing, and disputing. None of that worked and my disputed were denied because they say I DID rent a car. I do not dispute the rental. I dispute the being charged twice. I have tried to fight this for months and I can not resolve it. Please help me.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Ive been waiting for my card for over a month almost 2 months and finally got my card on today and went to activate it and seeing that there were {$280.00} fees that were charged plus credit protection that was charged which I did not request, I asked them what were these charges? They said that is what their annual fee is that they charge every year if you have a card with them I advised them that was above and beyond the normal amount of what Credit Card charges for their annual fee and asked for it to be itemized on how they came up with that amount of their maintenance fee of {$180.00} if theyre charging {$3.00} a month for maintenance fees, so theyre double charging you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
XXXX XXXX is reporting a collection account allegedly associated with XXXX XXXXXXXX. I dispute the validity and accuracy of this account and have not received sufficient documentation proving I am legally responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I received a credit card from XXXX XXXX XXXX ( Comenity Bank ) in late XXXX and made two purchases. I paid off both purchases in full. I did not receive a statement in XXXX so when I received my next bill ( XXXX ) I called the company. There was a late fee. I asked if they would remove the late fee as a one-time waiver since I was paying off the card each month. They refused so I closed the account. I mailed the late fee payment the next day which should have brought the account to a XXXX balance. In XXXX, I received a statement with another late fee. I called Comenity Bank and asked why I was charged again. They said they received my payment one day late. I told them I would not pay another late fee. They started collections calls immediately and have continued to charge me late fees and interest each month. The current balance is {$260.00}. I called Comenity again XX/XX/XXXXXXXX after receiving the latest statement and told them I would not be paying anything else and the card had been cancelled in XXXX. They refused to budge. I continue to receive collections calls at all hours of the day and night.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I purchased a ticket on XXXX through XXXX, for a total amount of {$130.00} and the instruction specifically stated that if I cancelled my payment before XXXX, I would be eligible for a full refund. I only received the insurance portion of the fee, which was {$6.00} there is a balance of {$130.00} that I have been trying to collect from them since last year. When I contacted my credit card company, they told me I was past the 6-month window for them to collect for me. I have contacted XXXX to try and resolve, and all I have gotten is a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
I charged XXXX to a XXXX credit account in XXXX XXXX. I issued my check dated XX/XX/XXXX, and mailed on that date, in the amount of XXXX. XXXX said that my check arrived XX/XX/XXXX, rather than XX/XX/XXXX. I doubt that and have no proof. Their usurious bank, Comenity, has since added late charges of XXXX. I am XXXX, in XXXX XXXX, and have been suffering stress-induced symptoms because of this occurrence. I was scammed in XX/XX/XXXXXXXX and had to replace my debit and credit cards, which is why I wrote a check for this purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Cordoba Legal Group, PLLC.
State: IL

Complaint narrative:
Not only did Cordoba Legal Group charge fees up front ( illegal ), they had misleading terms, contradictory advising, poor customer service, and failed to provide a paying client access to the online portal after abruptly cancelling the contract. Now, I have been harassed and sued by the credit card company ( XXXX XXXX ) they claimed to have reached a settlement with from my payments, but because I have no access to the portal ( they lock you out immediately ), I have no evidence. In fact, they encourage clients to block all numbers from the creditors. Finally, they have been involved in a significant number of lawsuits for predatory practices as detailed in my submitted documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Cordoba Legal Group, PLLC.
State: IA

Complaint narrative:
In late part of year I was cintacted from XXXX XXXX whom Told, e he was with XXXX XXXX a consolidation company. XXXX was trying to get me to consolidate my credit cards into consolidation stating that it would take me over 20 years to pay off my debt. It did give me something to think about. I had never missed any payments at that time and had a credit score of over XXXXI continued conversations with XXXX over the next several months. He sent detailed emails of my credit card debt and emails stating that I could CONSOLIDATE my cards to one monthly payment. ( XXXX XXXXXXXX ). After a few months and several phone calls, I decided to take the leap and sign with XXXX XXXX. When I asked XXXX about Cordoba Legal and who they were, he stated that this was who handles the financials for XXXX XXXX XXXX. I continued with said agreement, but later was contacted by a law firm about unpaid payments to a credit card. I called Cordoba immediately following and they just wanted the lawyer information. The red flags were going off and I asked many questions about how can this be and why aren't things getting paid and that i was under the assumption that all of them had been paid and I was paying them. ( this was roughly XX/XX/year>XXXX ). The gentleman on the phone laughed and said that I basically knew it wasn't because I refused an offer from XXXX XXXX. I did not, what i refused was paying them an additional {$500.00} a month at which Cordoba Legal had requested. My payments were already over {$500.00} a month. I told them if I had an additional {$1000.00} per month to pay them, then why wouldn't I just pay the credit cards myself. I was naive, but red flags were there. Once I realized this wasn't consolidation as explained to me from XXXX and Cordoba, I asked how much money I had sitting there and the total was over {$3000.00}. I asked who have you paid. They told me that {$1500.00} had been paid to XXXX XXXX and no one else. When I asked where all of the other money was they told me that over {$3000.00} was in an account there and the remaining money went to fees.At that time i wanted a paper stating where, when, and how much money was remaining. It took a while on the phone because the gentleman at Cordoba just kept telling me to look at my contract. I demanded the list of where my money went. The next day, I received an email stating I had XXXX because all money had went to fees. ( see XXXX ) Once I received the contact from a law office, I consulted with someone about options and they told me to cancel immediately. At which time I did. This was on XX/XX/year>. On XX/XX/XXXX, I received an email after cancellation of services that they had an offer from XXXX XXXX. On XX/XX/XXXX, I was sent an email that they requested me to sign cancellation of services in which I DID NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: GA

Complaint narrative:
I received a bill from Revco XXXX for {$2900.00} and the bill includes services that were not rendered. I had a XXXXXXXX XXXX - Comp XXXX XXXXXXXX by dentists XXXX XXXXXXXX XXXX XXXX XXXX where i was billed XXXX, est benefit {$87.00}, est discount of {$140.00}, est pay amount {$50.00}, with an adjustment of {$27.00} final bill of {$23.00}. Also, I was billed XXXX for XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX by dentist XXXX XXXX XXXX, {$310.00}, est benefit {$100.00}, est discount {$180.00}, est pay amount {$66.00}, adjustment of {$25.00}. Inaccurate Information I am writing to formally dispute the following item on my credit report under the Fair Credit Reporting Act ( FCRA Reason for Dispute : The reported balance is inaccurate and based on services not rendered. I received a composite filling from XXXX XXXX on XX/XX/XXXXXXXX which fell out shortly after, rendering the service incomplete one service and the other service was never completed at all. However all services are attempting to be collected from collection service Revco XXXX XXXX XXXX XXXX XXXX Because the service was never successfully completed, the full billing amount is a factual error. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation within 30 days. If the collector can not verify the accuracy of a full charge for a failed service, I request that this entire tradeline be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: LA

Complaint narrative:
I disputed this Credit Corp Solutions account and requested documentation proving the debt is valid and accurately reported. Specifically, I requested the original creditor agreement, complete account history, proof of ownership, chain of assignment, and all documents used to verify the account. Credit Corp Solutions responded that the account was verified as accurate but failed to provide the documentation I requested. Simply stating an account is verified does not satisfy my request for evidence supporting the debt and its reporting. Despite my dispute, Credit Corp Solutions continues furnishing this account to the credit bureaus, causing ongoing harm to my credit profile. If Credit Corp Solutions can not provide competent evidence validating the debt and demonstrating the accuracy of the information being reported, I request immediate deletion of this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
I tried to withdrawal {$300.00} from the atm in the XXXX XXXX, Fl XXXX XXXX XXXX on XX/XX/scrub>XXXX/2026 around XXXXpm. ATM terminal ID XXXX. The electronic part of the transaction went through then right before the money was dispensed the machine shut down and went black and never came back on. It did not give me a receipt or my money. The machine was down for over a week after this. I called the number on the machine to report the issue and they advised to file a dispute with my bank. I filed the dispute and they originally credited me back the {$300.00} about XXXX weeks later stating the dispute had not been completed yet. Then around XX/XX/XXXX they sent me an email stating they were denying my dispute and took the {$300.00} back out of my account because they stated the money was dispensed. I have appealed the denial at least XXXX times and they refuse to reach back out the atm merchant to get the atm audit log or any other supporting documents proving that I did not receive the money. I have spoken to the XXXX atm customer service and they said they can clearly see the money was not dispensed but they are unable to provide me with the proof. That the bank has to be the ones to reach out to them to request the information. I have told the bank this every time I have called to reopen and appeal the dispute yet they still keep denying the dispute without reaching out to the merchant. I have literally called both the bank and atm merchant everyday since XX/XX/XXXX. They have since told me they will continue to deny my dispute as they have already made there decision. They have also told me I am the one who has to provide the proof to them. I have tried to speak with a supervisor of the atm company but they will not send me the proof. The atm company will not even take my phone calls anymore or have a supervisor call me back. The bank is my Credit Karma spend account and the atm was an XXXX atm. Ive also requested to get the security camera footage from the XXXX XXXX but am unable to do so without a lawsuit and a subpoena. It would cost me way more then {$300.00} to obtain a lawyer for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: DailyPay, Inc
State: GA

Complaint narrative:
I was due to get paid on XX/XX/year>, however instead of my money being deposited into my bank account, it was deposited into DailyPay bank account. After it got deposited into that account they took {$400.00} out of a XXXX check for transfers after speaking to fraud team member XXXX XXXX he stated the transfers was initiated from a device that was not my own! They allowed this other device to continuously transfer money out of my account resulting into $ XXXX! I am not able to get my money back because of recent policy changes. They did not offer and type of reimbursements for these unauthorized transactions and theyre still demanding and additional {$36.00} to pay off a debit I did nothing up for. I have sent them my bank statements as well as screenshots to my cashapp and those transfers never was in my account

Company response to consumer: Closed with explanation