vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 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: CITIBANK, N.A.
State: WA

Complaint narrative:
XX/XX/XXXX I placed two orders on an online " comic book shop '', come to find out the shop doesnt exist and is just a scam. after reaching out several times over the course of a month, i finally decided to dispute charge after no response from the merchant. Almost a month later to have the disputes declined, then to be told my only option is to reach out to the merchant who has already been unresponsive. Now I am out {$400.00} and will be closing this card account as soon as possible. Would not recommend best buy Citi visa credit card to anyone

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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding a fraudulent transaction that occurred on XX/XX/scrub>, 2026, involving a seller on XXXX XXXX who falsely claimed to represent a company called XXXXXXXX XXXX in the XXXX XXXX area of XXXX, Florida. This scam resulted in a financial loss of {$320.00}, and despite filing all required reports and providing documentation, neither of the financial institutions involved has taken appropriate action. Summary of the Incident XXXX XX/XX/year>2026, I responded to a XXXX XXXX advertisement for a vehicle rental. The seller instructed me to send a {$100.00} deposit from my business cashapp and a {$220.00} from my main cashapp via my XXXX card payment via to an individual named XXXX XXXX, who now goes by XXXX XXXX XXXX. I was told the vehicle would be left at a designated pickup location and that I should XXXX the seller upon arrival. When I arrived and attempted to contact the seller, they immediately blocked me, deleted the advertisement, and removed their XXXX XXXX account. When I attempted to reach them from other phone numbers, they responded with harassing messages and refused to return my money. I spent approximately XXXX XXXX searching for the vehicle, assisted by a XXXX XXXX XXXX at XXXX XXXXXXXXXXXX XXXX XXXX XXXX, who checked all parking garages in the area. No vehicle was ever present. Actions Taken - I filed a police report with the local police department ( Report XXXX XXXX XXXX XXXX XXXX ). XXXX I filed a complaint with the FBI XXXX division for internet crimes, fraud, and identity theft. XXXX I reported the incident to both financial institutions involved : Cash App and XXXX XXXX. XXXX XXXX Responses - Cash App stated that once I filed a police report, they would honor the dispute immediately. Despite this, I have received no updates, no emails, and no resolution, even after multiple followups. XXXX XXXX XXXX conducted XXXX supposed investigations and continues to claim they found no wrongdoing, despite clear evidence of fraud and documentation supporting my claim. Request for Action I am requesting that Consumer Rights review this case and take appropriate action regarding : - The fraudulent seller - The failure of Cash App and XXXX XXXX to properly investigate and resolve the dispute - The lack of communication and failure to honor stated dispute procedures I am fully willing to cooperate and prosecute if necessary. All supporting documentation is attached, including the police report, XXXX submission, transaction records, and screenshots of the deleted advertisement and blocked communications. Thank you for your attention to this matter. I respectfully request assistance in obtaining a fair and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered tocease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided. Given that you claim to be the " owner '' or " authorized collector '' of this debt, you are legally required to present the followingdocuments for your claim to be considered valid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I had an auto loan with Ally Financial back in XXXX. I fell on hard times after losing my job. I contacted them to let them no of my unemployment and also to weigh my options and I was told there was nothing I could do and I could make a payment of a certain amount to get the car out of repossession temporarily which I did.. but being that I was unemployed the car ultimately got repossessed. The car was repossessed on XX/XX/year>. I contacted Ally on XX/XX/year> to get information on getting the vehicle back. I spoke with a representative who seemed as though he couldnt care less. I asked the amount owed to get my car back and the deadline I had. I was given a deadline of XX/XX/year>. I later received a letter on XX/XX/year> stating that my car would be sold around or after XX/XX/year>. This put a damper on my attempt to get my car back. I called ally back the day I received the letter and spoke with the same representative and his attitude was even worse. He told me to Go off of the date on the paper. I asked to speak with a supervisor about the discrepancy and was told he wasnt in. I asked for a time when he would be in and he refused to give me any information on that. I called later that same day to speak with a superior and was met with the same answer of hes not here. I never got a chance to speak with any other representative or a supervisor and I feel like I didnt have a fair chance to get my car back due to misinformation.

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 2026-04-05 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

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 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Spring Oaks Capital, LLC
State: WA

Complaint narrative:
The company pursued a lawsuit against me without proper service and wrong name XXXX XXXXA judgment was signed on XX/XX/XXXX, but I was never notified. I did not learn about the lawsuit until a garnishment order was sent to my employer XXXX year later in XX/XX/XXXX. This was the first time I became aware of any legal action. In XX/XX/XXXX and XX/XX/XXXX, I contacted the law firm after noticing the full debt amount was still being reported on my credit file. During these calls, the firm confirmed they sent the lawsuit documents to an address where I did not live. I told them I was never served. Despite this, they continued treating the judgment as valid and continued reporting the debt. The lawsuit was also filed after the statute of limitations expired under state law. A garnishment was issued, but the writ expired afterXX/XX/XXXX days. Despite the expiration, wages continued to be withheld for more than XXXX months. In XX/XX/XXXX, I contacted my employer and XXXX multiple times requesting release of the funds and asking for the legal authority for continued withholding. XXXX confirmed they were holding funds but could not release them without employer authorization. The employer did not provide any legal authority and did not authorize release. I filed a complaint with the state labor agency in XX/XX/XXXX. The agency later confirmed the employer finally submitted payment only after state intervention. The company continued reporting the debt and judgment even after being informed that service was defective and the lawsuit was time-barred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am disputing multiple federal student loan accounts reported by the U.S. Department of Education and serviced by Nelnet, originating from my enrollment at XXXX XXXX in New York. I attended XXXX XXXX around XXXX. This institution has since been permanently closed following findings of fraudulent and illegal practices that affected students. After the school closure, I later discovered that several student loan accounts were opened and reported under my name. The accounts currently being reported include multiple loans opened between approximately XXXX and XXXX, with balances totaling several XXXX dollars. These accounts show negative payment history, including severe delinquencies, which are significantly impacting my credit. I do not recall properly authorizing these loans, nor was I clearly informed about the financial obligations associated with them at the time. Additionally, due to the schools misconduct and closure, the education provided was compromised and did not meet legitimate standards. In XXXX, the last reported payment activity appears on these accounts, and they continue to be reported as active with ongoing balances. I have not received sufficient documentation proving that these debts are valid, enforceable, or properly authorized. I have taken steps to address this issue by reviewing my credit report and preparing to submit a Borrower Defense to Repayment application with the U.S. Department of Education due to the schools closure and misconduct. Despite these efforts, the accounts remain on my credit report and continue to negatively affect my financial standing. I am requesting a full investigation into these accounts, including verification of any signed agreements and proper authorization. If the accounts can not be validated, I am requesting that they be removed and that any negative reporting be corrected. This situation has caused financial hardship and ongoing distress, and I am seeking resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided. Given that you claim to be the " owner '' or " authorized collector '' of this debt, you are legally required to present the following documents for your claim to be considered valid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX My Wells Fargo checking account was recently closed after I filed several claims regarding transactions on my account. When I contacted Wells Fargo, I was informed that the account was closed due to multiple claims filed and that the decision was final. At the time of the most recent claim, I was outside the United States. I reported the transaction because I believed it was unauthorized. Because I was accessing my account from outside the United States, my login location and activity may have appeared unusual to the banks security systems. Although I was later informed that the account closure had been communicated, I did not see or receive a clear notification before discovering that the account had already been closed when accessing the Wells Fargo mobile app. I respectfully request that Wells Fargo review the circumstances surrounding the claims and the decision to close my accou

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 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I sent {$12.00} to a user on Cashapp on XX/XX/XXXX after they were advertising art commissions via XXXX. I expressed interest in their commissions and we chatted a bit about what I wanted drawn. After this they said they required payment upfront to which I obliged. Since then, I have had no contact with this person since Ive sent the money, though Ive been messaging them inquiring about my commission status. I know they have been ignoring me as well because Ive seen them active on social media commenting on and reposting videos. I reported this to CashApp on XX/XX/XXXX and no response has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided. Given that you claim to be the " owner '' or " authorized collector '' of this debt, you are legally required to present the following documents for your claim to be considered valid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I do not know Took or threatened to take negative or legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
my paypal account was blocked on XXXXXXXX XXXX for 120 days. on XX/XX/year> I received a letter saying my money was available, but I couldn't withdraw it.I just want to get my monry back, it '' s being held illegaly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am filing this complaint against Capital One regarding an unauthorized and inaccurate Cash Advance Fee on my Venture XXXX XXXX ( XXXX ) I have formally disputed this billing error via USPS Certified Mail XXXX. On XXXX XXXX I purchased a physical health-tracking wearable from the merchant XXXX. Capital Ones system misclassified this merchandise purchase as a " Cash-Like '' transaction. I did not receive any cash, nor did I use a money-transfer service. This is a clear Billing Error under the Fair Credit Billing Act ( FCBA ). Despite my high-repayment statusincluding a {$800.00} payment posted on XX/XX/year>, and a {$1000.00} payment scheduled for XXXX XXXX error remains uncorrected. I am requesting an immediate reversal of the fee and the associated interest charges. This appears to be part of a systemic practice by Capital One to unilaterally and secretly reclassify transactions to generate fee revenue, as alleged in the class-action lawsuit XXXX XXXX Capital One , N.A . XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am writing to file a formal complaint against Citizens Bank regarding unauthorized withdrawals from my business account. I had transaction device from merchant service I returned it XXXX XXXX XXXX who had given me! For the past 4 months, I have noticed multiple transactions that I did not authorize. I reported these transactions to the bank immediately and have followed up several times. However, I have not received any meaningful response, resolution, or refund. Details : - Account type : Business account - Issue : Unauthorized withdrawals - Duration : Over 3 months without resolution - Total disputed amount : [ XXXX $ ] - Dates of transactions : XXXX $ XXXX $ XXXX returned payment device XX/XX/year> XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ Despite my repeated attempts to resolve this issue directly with Citizens Bank, the bank has failed to properly investigate or respond within a reasonable timeframe. I am requesting : XXXX. A full investigation of the unauthorized transactions XXXX. Immediate reimbursement of the disputed funds XXXX. A written explanation of what occurred XXXX. Measures to prevent further unauthorized activity Please ensure the bank provides a prompt and formal response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I redeemed Chase reward points for XXXX gift cards while my Chase Sapphire account ending in XXXX was open and in good standing. This dispute has been ongoing for a long time. I reported nonreceipt of gift cards tied to those reward redemptions, and Chase later closed the account while the matter was still unresolved. I have since paid the account in full. I recently located some of the physical XXXX gift cards connected to those redemptions. Chase is now refusing to provide any remedy or meaningful review because the account is closed. I am requesting a formal investigation and written resolution. Chase should review the reward redemptions, any reissues or replacement shipments tied to them, and restore the full remaining reward value that was not successfully delivered for use. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Chase Sapphire account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
Debt does not belong to me, I am requesting written verification the debt is mine. Debt appears to be apart of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this formal complaint against JPMorgan Chase Bank , N.A . ( JPMCB ) and XXXX XXXX of XXXX for severe violations of the Fair Credit Reporting Act ( FCRA ), the Risk-Based Pricing Rule ( XXXX U.S.C. XXXX ( h ) ), and deceptive debt collection practices. On XX/XX/XXXX, I executed a retail installment contract with XXXX XXXX. XXXX XXXX unlawfully pulled my credit without providing the mandatory Risk-Based Pricing Notice or obtaining my signature on the XXXX XXXX XXXX XXXX XXXX direct violation of federal law. The contract was assigned to JPMCB. When I tendered a valid negotiable instrument ( a bill of exchange ) to settle the account, JPMCB acknowledged receipt in writing on XX/XX/XXXX, stating they were returning it to me. They never returned it. Instead, they retained the instrument, refused to credit the account, and maliciously reported " First payment never received '' to XXXX, XXXX, and XXXX, devastating my credit score. Furthermore, JPMCB issued a fraudulent IRS Form XXXX for the XXXX tax year using Event Code " XXXX '' and falsely reporting the Fair Market Value of the vehicle as " {$0.00}, '' despite the vehicle remaining fully intact and in my possession. This constitutes tax fraud and a deceptive collection tactic. I have formally filed for arbitration with the XXXX ( Case No. XXXX ) but am requesting the CFPB investigate these systemic FCRA and TILA violations immediately.

Company response to consumer: Closed with explanation