vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Back on XX/XX/XXXX, I took out a Flex Loan of {$15000.00} with an interest rate of 7.99 % and a fixed monthly payment of {$300.00} a month for a term of XXXX months, on my Citibank XXXX XXXX XXXX XXXX XXXX XXXXXXXX account. The loan balance was not and did not affect my use and/or payments for charges. ( note I have XXXX other flex loans on XXXX other Citibank credit card accounts ). I make payments in the local Citibank branch, on or before the due date, which is XXXX of month, paying my loan payment of {$300.00} with XXXX check and paying the entire balance of new charges with a XXXX check. This is something I have been doing since I opened the account in XXXX. Statements from XX/XX/XXXX to XX/XX/XXXX are fine, But after noticing that I was being charged interest on my purchases I went back thru statements to find that Citibank has been charging me interest on purchases since XX/XX/XXXX, even though I am paying my entire purchase balance off each month with nothing being late. The interest charges on Purchases are as follows ; XX/XX/XXXX {$2.00}, XX/XX/XXXX {$5.00}, XX/XX/XXXX {$5.00}, XX/XX/XXXX {$5.00}, XX/XX/XXXX {$5.00} ( total for XXXX {$23.00} ), XX/XX/XXXX {$6.00}, XX/XX/XXXX {$5.00}, XX/XX/XXXX {$5.00}, XXXX XXXX, XXXX {$6.00}, XX/XX/XXXX {$5.00}, XX/XX/XXXX {$6.00}, XX/XX/XXXX {$6.00}, XX/XX/XXXX {$6.00}, XX/XX/XXXX {$7.00}, XX/XX/XXXX {$8.00}, XX/XX/XXXX {$7.00}, XX/XX/XXXX {$6.00} ( total for XXXX {$78.00} ), XX/XX/XXXX {$7.00} and XX/XX/XXXX {$8.00} ( total so far {$16.00} ) The only thing different which maybe why Citibank is having an issue is that I had a credit of {$5.00} back on XX/XX/XXXX against a purchase of {$36.00} made on the same date, which changed the amount owed that month. I have written Citibank on other issues with my credit cards and have not received written responses back.

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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
On XX/XX/year>, Capital One confirmed that an attempt was made to open a credit card in my name. The attempt was unsuccessful due to insufficient information. Capital One filed a fraud report on their side and advised me to file a report with the FTC, contact a credit bureau, and notify XXXX by phone to protect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Subject : Failure to Properly Process Loss Mitigation and Provide Timely Reinstatement Figures Fannie Mae Loan To Whom It May Concern, I am submitting this complaint regarding the servicing of a XXXX XXXX conventional mortgage currently serviced by Selene Finance. The loan transferred to this servicer in XX/XX/XXXX. On XX/XX/XXXX, a loss mitigation case was opened through the servicers system. We were not notified of any missing documentation. In XXXX, we received a portal link to submit a modification package ; however, the link expired within XXXX days, preventing submission. During subsequent phone conversations, we were advised that curing the default would be the best course of action. We clearly communicated that funds were available to cure the delinquency and requested written reinstatement figures. A representative stated on XX/XX/XXXX, that reinstatement figures would be provided. They were not sent. Instead, we later received a Notice of Acceleration including attorney fees and corporate advances, significantly increasing the reinstatement amount. We believe that had the XX/XX/XXXX loss mitigation case been properly processed and reinstatement figures timely provided as promised, additional foreclosure-related fees may have been avoided. We are currently submitting a complete loss mitigation package and remain willing to resolve the delinquency in good faith. However, we respectfully request supervisory review of the following : Confirmation of the XX/XX/XXXX loss mitigation case handling. Confirmation of whether required acknowledgment and/or missing document notices were issued. Review of foreclosure-related attorney fees and corporate advances assessed after XX/XX/XXXX. Confirmation that foreclosure activity will remain paused while a complete loss mitigation package is under review. The borrowers intent is to retain the property and resume regular monthly payments. We are requesting procedural review and written clarification to ensure proper servicing compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-02-24 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: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, my step father XXXX XXXX deposited {$8000.00} into my savings account. There had been various deposits made over the last few months from my mother as well, and they have not been flagged. I received the notice last Friday that my bank account has been closed. I went to the US Bank branch located in XXXX, California. I was informed that my account was in the process of being closed and I can not retrieve my funds. I was also informed it was because of deposits that were purely cash that my account was flagged for risk. I have been a loyal US bank customer several years I do believe they racially profiled the deposit that my father made and subsequently froze my account I would like to receive the money back via the Bank branchs from both my checking in my savings since that is my livelihood. I find it incredible that after various years and various deposits that this is the one that flagged the account and I do believe it was profiling.

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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Requested TD Bank credit card. Submitted request. Bank denied credit card stating unable to validate information on application. It appears that the information they were unable to validate was their own information. I currently have an active checking and savings account with TD Bank in good standing. I have a Very Good / Excellent XXXX XXXX. Credit report doesn't show XXXX derogatory information. I do not understand why this request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filling a completist against Cash App blocking due to inadequate customer service and unfair protections act CFPA specifically Cash App failed to take timely they did not comply with error transfer act EFTA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the following accounts that are currently being reported on my credit file : Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX to my credit report, the account ( XXXX ) reflect the following : Creditor/Collector : Credence Resource Management XXXX Account XXXX : XXXX Reported Balance : XXXX Date Opened/Reported : XX/XX/2025 I first became aware of this account when I reviewed my credit report. I contacted the office by phone to request verification of the debt. I also submitted a written request for validation, but I have not received sufficient documentation proving that this debt is accurate and legally collectible. Additionally, I made a payment requested to closed the account. Despite my efforts, the account continues to be reported inaccurately. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : Full validation of the alleged debt, including a copy of the original signed agreement. A complete payment history showing how the balance of {$380.00} was calculated. Proof that your company is authorized to collect on this account. Correction or deletion of any inaccurate information being reported. If you can not provide proper validation within 30 days, I request that this account be removed from my credit report immediately. Please respond to this matter in writing within 30 days of receipt of this letter. Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Manufactured home loan
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: 21ST MORTGAGE CORP.
State: CO

Complaint narrative:
On XX/XX/year>, someone named XXXX XXXX from 21st mortgage called and asked about my payment. I told him that I was going to pay for both this month and next month my next paycheck, which is next week. He then, decided it was okay to yell and lecture me. I told him I was not denying payment, that I had a few things going on. He said I was denying payment even though I told him I was paying for both months so that I am current on it. When I asked why he was lecturing me, he said " because it sounds like you need a lecture. '' I shouldn't have to disclose my health or anything I am facing to someone that thinks it is okay to yell and berate people. He threatened legal action, but I am not even a month late yet. NO ONE should have to be yelled at or lectured for a missed payment. I made the payment on this day, and I will pay my mortgage, again I was not denying payment. I will make my payments on time ; I had been until last month. I just had a few things happen. The manager who I believe might have been the same man also did not think that XXXX yelling or lecturing people is a problem. I thought so long about actually doing this because I do understand that you have to make payments, but at the same time, it is not okay to lecture people or yell at them. This is why so many people do not want to work with this company. When this is over, I hope I never have to deal with them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Early Warning Services ( EWS ) is reporting inaccurate and unverifiable information furnished by XXXXXXXX XXXX which violates FCRA 1681e ( b ) and 1681i ( a ). EWS has admitted they have NO documentation from XXXX, meaning they can not verify the account they are reporting. 1. EWS is reporting a balance that does not match XXXX own records. XXXX told CFPB the overdraft was {$910.00} EWS reports {$880.00} This violates : FCRA 1681e ( b ) Duty to maintain maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 2. EWS confirmed in writing that they have NO account-level documentation. EWS stated they rely solely on XXXX to verify the information. Since XXXX can not produce ANY documents, EWS is reporting unverifiable information. 3. EWS refused to delete the information despite receiving evidence that it is inconsistent and unsupported. 4. XXXX statements conflict and can not both be true. XXXX mailed me a letter stating they could not locate an account. XXXX later told CFPB that they confirmed the account. If the furnisher can not verify the data, EWS can not legally report it. See Attached Documents

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing to formally dispute and file a complaint regarding unauthorized Credit Protection charges on my XXXX XXXX account issued by Synchrony Bank. For approximately five years, I have been charged about {$64.00} per month, plus an additional {$1.00} monthly fee, for a Credit Protection service that I did not knowingly enroll in or authorize.! I have repeatedly requested proof of enrollment, yet neither Synchrony Bank nor XXXX XXXX XXXX has been able to provide any substantial documentation demonstrating that I agreed to this service. The only explanation provided was that I must have clicked a box to enroll which I firmly dispute. I did not authorize this service in any form. I discovered these charges while consolidating my credit cards. Upon reviewing my statements which I had not closely examined in recent years due to life circumstances including family responsibilities, a death in the family, and relocating I noticed the recurring XXXX XXXX charge and accompanying monthly fee. As I investigated further, I observed something extremely concerning : my minimum payment was approximately {$76.00} per month, yet I had consistently been paying between {$110.00} and XXXX XXXX monthly through autopay for years. Despite paying well above the minimum, my balance was not decreasing as expected. This prompted me to look more closely at the account activity, which is when I identified the ongoing XXXX XXXX charges. It is also important to note that I have not actively used this credit card in years. My sole intention has been to pay down the balance. However, because of these recurring charges totaling approximately {$65.00} per month, my balance remained largely unchanged despite years of payments above the minimum due. When I contacted Synchrony Bank for assistance, I was told they were not responsible for third-party arrangements and that they could not help me. On XX/XX/year>, at approximately XXXXXXXX XXXX XXXXXXXX, I spoke with a supervisor named XXXX, who advised me to call the third-party number ( XXXX ) the following morning. I did so on XXXX XXXX at XXXXXXXX XXXX and spoke with a representative named XXXX. He informed me that there was no way to track how I allegedly enrolled and stated that if the service was on the account, it was because I must have signed up for it which, again, I did not. At no point has anyone provided verifiable proof of my authorization. The continued withdrawal of funds without clear documentation of consent is deeply troubling. I feel violated and betrayed that substantial amounts of money were taken from me for years without my knowledge or authorization.

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 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I believe when j borrowed i was part of tha settlement please let me know my number is listed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing this complaint regarding Chimes improper denial of my Regulation E fraud claim involving unauthorized electronic fund transfers totaling {$9800.00}. Between XX/XX/year> and XX/XX/year>, multiple unauthorized transfers were made from my account without my knowledge or authorization. I did not initiate these transfers, did not provide my login credentials, PIN, or one-time passcodes to anyone, and did not benefit from these funds. The unauthorized transactions include : XX/XX/year> Transfers to XXXX XXXX ( multiple transactions beginning this date ; total approximately {$1700.00} ) XX/XX/year> XX/XX/year> Transfers to XXXX XXXX totaling approximately {$4300.00} XX/XX/year> Transfer to XXXX XXXX XXXX XXXX {$3000.00} XX/XX/year> Transfer to XXXX XXXX XXXX XXXX {$730.00} Total disputed amount : {$9800.00} During this time, my account security was compromised. My password and address information were changed without my authorization. These changes are clear indicators of account takeover and unauthorized access. I promptly reported the fraud to Chime. However, Chime issued a final determination stating that no error occurred and refused to credit my account. They have not provided the documentation relied upon in their investigation despite my request. Under 12 CFR 1005.11 ( Regulation E ), financial institutions are required to conduct a reasonable investigation and provide documentation upon request. Given that my login credentials were changed and unauthorized transfers were executed, Chimes conclusion that no error occurred appears unreasonable and unsupported. I am requesting : 1. A complete copy of all documents relied upon in their investigation, including IP logs, device identifiers, login history, authentication records, XXXX verification logs, and communications with recipient institutions. 2. Immediate reimbursement of the unauthorized transfers totaling {$9800.00}. 3. Confirmation that my account security breach has been properly documented as an account takeover event. Chime has failed to adequately protect my account and has failed to properly comply with Regulation E investigation requirements. I am requesting regulatory review and intervention.

Company response to consumer: Closed with explanation