vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Subject : Formal Dispute and Request for Validation of Charged-Off Account To Whom It May Concern, I am formally disputing the accuracy, completeness, and legal reporting of the following account listed on my consumer credit report : Account ending in : XXXX This account is currently being reported as a charged-off account with an alleged balance of {$21000.00}. After reviewing the reporting details, I have identified multiple discrepancies and incomplete information that require immediate investigation under the Fair Credit Reporting Act ( FCRA ). The reporting appears incomplete and potentially inaccurate because : * The original creditor information is missing * Creditor classification data is incomplete * Activity designator information is absent * The account continues reporting a large balance after closure/charge-off * Verification documentation has not been provided * I have not received competent evidence proving legal responsibility for this alleged debt I am requesting that your agency provide complete validation and verification of this account, including : 1. Original signed contract or application bearing my signature 2. Complete payment and billing history 3. Full accounting records showing how the alleged balance of {$21000.00} was calculated 4. Documentation proving this account belongs to me 5. Proof of authorization to report and furnish this account to consumer reporting agencies 6. Documentation showing any transfer, sale, or assignment of the alleged debt XXXX. The name and address of the party that verified this account Additionally, I request proof that I authorized my personal information to be shared, transferred, or sold to any third party associated with this account. Until proper validation is provided, this account remains disputed. If your investigation can not produce competent evidence verifying the complete accuracy and legal reporting of this account, I request immediate deletion of the account from all consumer reporting agencies pursuant to the FCRA. Please send me written confirmation of your investigation results along with a copy in writing Furthermore, I never gave consent, authorization, or knowledge for my consumer report, personal information, or alleged account information to be viewed, shared, transferred, furnished, or sold to any third party. Any reporting, transfer, or continued furnishing of unverified information without my authorization is disputed. Until complete and lawful verification is provided, this account remains formally disputed, and I request immediate deletion of this account from all consumer reporting agencies if proper validation can not be produced. Sincerely, 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 2026-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
Dates : XX/XX/year> Balance {$1400.00} Actions Taken : It looks like someone in my family used my information to take out this loan pretending to be me. I have tried contacting the company, but because it is under my name there is nothing they can do. I have no way of contacting the person who used my information, since they left the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX. XXXX {$34000.00} XXXX XXXX XXXX {$30000.00} These are fraudulent accounts that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am submitting a complaint regarding the handling of my HELOC application process with PNC Bank. Over the course of more than XXXX months, I went through XXXX separate HELOC application processes with PNC, each involving significant time, documentation, underwriting reviews, and follow up communication. The XXXX application stemmed from a rate that was quoted to me online but was later not honored due to what I was told was an internal error on PNCs side. The XXXX application was submitted individually based on assurances that my income profile would qualify independently. After progressing through the process, that application was ultimately denied. The XXXX application, submitted with a co-applicant, progressed significantly further and involved underwriting reviews, appraisal discussions, documentation requests, and repeated follow ups over an extended period of time. During the appraisal process for the XXXX application, I requested additional time for more relevant comparable sales to close before moving forward with the appraisal reconsideration process. While waiting for those comps, my application was closed without notification to me. After I later discovered the closure and spoke with my banker, I was asked to provide the updated comparable sales so management could explore reopening the application. I promptly provided the requested comps and was told the matter would be escalated and reviewed. After sending the requested information, I followed up multiple times via text requesting updates and received no response for an extended period. I was ultimately informed that the application could not be reopened and that the only option would be to start over entirely with a new application despite the significant time already invested in the process. What is most concerning to me is the repeated lack of communication, transparency, and process management throughout these applications. In particular, the XXXX application was closed without notice while appraisal reconsideration discussions were ongoing, and I was later required to restart the process entirely after months of effort. This became especially frustrating after my familys recent car accident, when I communicated that access to funds had become more important and was reassured that the process would be escalated and move quickly if needed. Unfortunately, the communication and follow through afterward did not reflect those assurances. I understand that lenders may ultimately decline or not proceed with applications for business reasons. My complaint is not centered on the underwriting outcome itself, but rather on the handling of the process, the repeated communication failures, and the unnecessary loss of time caused by procedural issues outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have requested to investigate the account for original signed documents and they have refused to send me them and I need this account removed the account is Jefferson capital

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
XX/XX/year> : first notified of account being blocked from purchasing - I reached to offer remediation, no response XX/XX/year> : follow-up, no information on why from Robinhood XX/XX/year> XXXX attempted to transfer my account to a different brokerage - account locked completely and can not withdraw funds or buy stock or transfer

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: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This is a follow-up to a previous complaint ID XXXX sent to Capital One on XX/XX/year>. Capital One closed my complaint by claiming I was an 'unauthorized third party ' on my own account. This is inaccurate and is a deliberate tactic to avoid addressing the substance of my complaint. I am the account holder and I am hereby authorizing all parties to proceed. I am refiling this complaint and requesting a substantive response to the original issues : the mishandled balance transfer, check number XXXX for {$530.00}, damage to my credit score, and failures of Capital One 's overseas customer service representatives. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Date of fraudulent transaction : XX/XX/XXXX Fraudulent use of my credit card buying XXXX tickets to XXXX XXXX XXXX in CA using my information and email. They purchased the tickets on XXXX to be used on the same date of purchase. I discovered fraud purchase after seeing email confirmation and tickets in inbox. Reported this immediately to Capital One who inactivated by credit card. I did not receive any text notifications from Capital One for potential fraud. After receiving a Capital one text a few hours later for a declined XXXX transaction I did not make, I called customer service back and was not there was no further action needed. After fraud investigation, Capital One said there was insufficient evidence to that fraudulent activity occurred due to the transaction being connected with my email that Capital One had on file. I asked to reopen the investigation to submit evidence that I was physically in XXXX, FL ( where I live ) on XX/XX/XXXX. The fraudster used my name and other fake names listed on each ticket. XXXX XXXX XXXX has told me that the tickets were bought and used within 20 minutes of each other and that ticket order was flagged for fraud. After contacting XXXX XXXX XXXX, there is a written request from them for me to ask Capital One to reopen the chargeback dispute. Capital One has continuously denied my request to reopen the investigation as their claim is there is nothing they can do because it was an online transaction linked to my email on file. I have spoken to multiple fraud dept associates then transferred to 2 fraud dept managers who continue to say they are unable to reopen this case. They are also refusing to escalate my case to anyone else within Capital One saying they are the last line of communication despite requesting to speak to someone from Executive Account Services. Also nobody can explain why I have 2 separate letters on the same date XX/XX/XXXX with one saying that I am not liable for charges and another saying I am responsible for charges. Currently Capital One has charged my account {$930.00} again and are refusing to reverse this. I have submitted a preservation of evidence for security video for XXXX XXXX XXXX. I have also submitted an FBI complaint for online fraudulent use. I then submitted all of these documented these documents including photo documentation of me physically being in XXXX FL on XX/XX/XXXX to Capital One with a letter of request to reopen this dispute.

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 — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My account was frozen due to a XXXX XXXX on XX/XX/XXXX or XXXX. I went into the branch and they gave me a number for the legal department. Since the XXXX I have been trying to call and get the exemption forms they are suppose to provide. I call at XXXX, wait on hold for hours and NEVER get through. The local branch says its nothing they can do. I filed a bank release with the collection agency that was faxed over on XX/XX/XXXX and havent heard anything from TD bank. Theyre holding {$4000.00} of my funds with no information or anyone to reach about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I applied for a personal loan through XXXX XXXX who stated the loan was approved and an guaranteed that if I was not granted the loan they would give me a {$50.00} gift card. I was not approved for the loan by One Main and when I requested a copy of the loan denial letter for the reason One Main financial has refused to provide me with the letter. All information relating to me applying for the loan through XXXX XXXX has been removed from both XXXX XXXX & One Main ). I have sent several emails to customer support to XXXX XXXX and they state that I have to get a disapproval letter from One Main to get the {$50.00}. One Main will not give me a letter and has removed all information from their website that the loan was not approved. I feel both of these companies are doing some shady business dealings together and misleading customers about their services and damaging customers credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Portfolio Recovery RE : Account Number : XXXX To Whom It May Concern : I am writing in response to your collection efforts regarding the above-referenced account. I formally dispute the validity and accuracy of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). Please provide proper validation of this alleged debt, including : 1. The name and address of the original creditor 2. The amount of the alleged debt, including an itemization of fees and interest 3. Documentation showing I am legally obligated to pay this debt 4. Proof that your company is authorized to collect on this account 5. The date of alleged default and payment history 6. Verification that the debt is within the applicable statute of limitations Additionally, pursuant to 15 U.S.C. 1692c ( c ), I request that you cease telephone calls, text messages, and electronic communications to me regarding this matter. Please communicate with me in writing only. If this account is being reported to any consumer reporting agency, I request that you investigate the accuracy of the information being furnished. Reporting inaccurate or unverified information may constitute violations of the FCRA, including 15 U.S.C. 1681s-2. Furthermore, under Regulation F, 12 CFR 1006.34, consumers are entitled to validation information regarding alleged debts. If your company can not provide sufficient validation, I request that all collection activity cease until proper verification is provided. This letter is not an acknowledgment of liability, nor is it a refusal to pay. I am exercising my rights under federal law to request validation and dispute this account. Please provide all requested documentation within the time allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I am writing to report what I think is an unfair banking practice perpetrated by Chase Bank in XXXX, NC against me. From XXXX of XXXX through XXXX of XXXX, I had {$25.00} a month deducted from my checking account by Chase Bank. The fees began after I was told by an employee of the Chase branch at XXXX XXXX XXXX XXXX XXXX in XXXX, NC that I would not incur fees. The fees totaled {$720.00}, of which Chase has refunded {$270.00}, leaving me {$450.00} short. I am seeking your help in recovering the remaining fees and to bring Chases deceit or incompetence to your attention. The fees began after I cashed in a certificate of deposit in XXXX of XXXX. This significantly reduced the amount of money I held in Chase accounts. In the weeks that followed I noticed the {$25.00} fee being deduced from my checking account and went back to the XXXX branch and spoke with an account manager about the fees. Unfortunately, I am unable to recall the name of the person I spoke with during this visit. The associate told me that she would change my checking account type to one for which I still qualified with the reduced amount of money I had with Chase. She said I would not incur fees with the new type of account. Obviously, I should have monitored this account, but I trusted that she would do what she said she would do for me. I took Chase at their word. The money I have with Chase is not my primary checking or savings ; instead, it serves as a rainy day fund for me. I rarely use the account and thus assumed I had no transactions to monitor. I realize now I should have been more vigilant in monitoring the account, but I do not think that excuses Chase from deceiving me. Their employee told me she would make a change to my account which she did not do. Chase charges to provide statements via the mail and requires its customers to pull information rather than conveniently providing it to them. Nor do they proactively alert customers to recurring fees. I believe these junk fees are part of their business model and that they deliberately convolute their messaging and account requirements to confuse consumers and take advantage of them. I have spoken to the branch on 3 separate occasions in attempt to obtain a refund for these fees and to their phone support an additional 2 times. These efforts produced the {$270.00} in refunds previously mentioned. They refuse to refund the {$450.00} in remaining fees. I request your support in helping to end this unfair practice.

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: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Since XXXX weeks ago, my credit card balance is now over its limit. It turns out that XXXX FAILED to notify me in a timely manner that {$100.00} credit was wrongly issued to my account from another customer. However, according to XXXX- this XXXX XXXX XXXX credit to my account was recently discovered and has been removed, causing my account balance to be over the credit limit. When I contacted XXXX, it took a WEEK for a customer representative to tell me what had happened to my balance. I then escalated this issue for the past week to a manager who told me they were very sorry for this inconvenience, I then asked for a credit for not being notified in a timely manner of XXXXXXXX XXXX XXXX MISTAKE ON THEIR END and they responded with we are very sorry you feel this way - we have sent you a letter detailing this mistake. It is absolutely incomprehensible that 1 ) XXXX failed to catch and notify me of this mistake in a timely manner 2 ) once they did catch it, I was not issued a response, again in a timely manner 3 ) they refuse to acknowledge or credit my account with some sort of relief for their mistake I asked repeatedly for a credit to my account and their response remains the same- we are unable to comply with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
Hi, I need your help again with cashapp And reason is they said I violated their terms of service which i never in life do that and they dont even give me any reason why I did that and I try so hard for XXXX or XXXX years I believe and it like I never understanding about cash app and I never wouldve violated their terms of services

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: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Refuse to admit wrong doing to my account. They said that no block was on my account. Their investigation was incomplete and a here 's proof. I have over 6 gigs of the way Citibank treated me. They caused this. Why isn't this a fair reporting violation

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: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I'm writing to ask for help resolving an overpayment on a Wells Fargo XXXX commercial term loan that was paid off in full on XX/XX/year>. Despite the payoff, AutoPay also drafted that same day, and I've been trying for about XXXX weeks to get the overpayment refunded without success. Loan and payoff details : Borrowers : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX Service Request # : XXXX Payoff letter prepared : XX/XX/year> Payoff amount wired : {$220000.00} Wire date / payoff date : XX/XX/year> Relationship Manager : Small Business Lending ( XXXX ) The payoff was processed correctly and the loan now shows {$0.00} principal outstanding. The overpayment is the AutoPay draft that ran on top of the wired payoff. Overpayment is {$3600.00}, the full AutoPay vs wire question

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 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I have received notice of a debt collection account that appears on my credit profile in which has never been mine or have this telephone account XXXX been a phone provider to me. I have had XXXX for over 9 years and t mobile nor this collection account I have no knowledge about please block and remove this fraudulent account and history from my credit profile it is not mine and is another stolen product from company under my name and information that I dis not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation