vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
A charge of {$2800.00} was made to my Citibank double cash card in XXXX of XXXX. The charge was to the bookstore at the University XXXX XXXX XXXX in XXXX, XXXX XXXX I neither made nor authorized the charge to be made. When the charge showed up on my statement, I called the company and disputed it. Citibank canceled that card and issues me a new one with a different number. Citibank initially removed the charge from my account. Later, I received notification from Citibank that the merchant was claiming that the charge was valid, and it was put back on my account. I requested any proof that they had, pursuant to their " investigation '', that the charge was valid. They said they would send it to me. After hearing nothing for a couple of weeks, I called the Citibank fraud department and they said again that they would send the information. That has probably been another ten days ago, and I have still received nothing. I attempted to contact Citibank again this morning, but I suspect that my account has been pushed to the bottom of the stack, because the computer says that I won't get a live person on the phone for at least 30 minutes.

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 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
The pricing of the property was {$300000.00} and when purchased was raised to XXXX, XXXX. I received a document from the XXXX XXXX that the agent got a significant benefit of the sale. I was supposed to be paying {$2000.00} monthly and after finalizing the purchase my monthly is {$2600.00}. I am sending proof attached. My believe is that they took advantage of the situation financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I previously disputed this alleged debt and requested debt validation, proof of ownership, and supporting documentation. XXXX XXXX XXXX responded with limited account statements and information that did not fully address my dispute or provide complete documentation supporting its claim. Despite my dispute, XXXX later sent a Pre-Legal Notification stating that attorney review may be the next step and suggesting possible legal action. I believe these collection efforts are being pursued without providing sufficient documentation to fully validate the debt and support XXXX right to collect it. I am requesting that this matter be investigated. I am concerned that XXXX actions may be inconsistent with its obligations under applicable federal consumer protection and credit reporting laws, including 15 U.S.C. 1681 Section 602 ( a ), which recognizes a consumers right to privacy ; 15 U.S.C. 1681b, which limits the circumstances under which consumer information may be furnished or used ; and 15 U.S.C. 1681s-2, which requires furnishers of information to provide accurate information and conduct reasonable investigations of disputed accounts. I further dispute XXXX continued collection activity while failing to provide complete documentation establishing ownership of the debt, the chain of assignment, and sufficient records supporting the balance claimed. I believe XXXX should be required to substantiate its claim before continuing collection efforts or issuing pre-legal communications. I have attached supporting documents, including XXXX response and its subsequent pre-legal communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Can I have a paypal? What open that long question to you didn't really use it? My roommate needed somewhere to deposit his taxes.Furniture call paypal to ask him about it.They said we have to submit his information mindful.At the same time to be done, which we did follow their guidelines.Money was deposited.XXXX XXXX, the automatically seized my account, saying that it was fraud and identity that they were charging with a felony.Even though they had documentation of his ideas, tax.Report signature that this was allowed and their agent said it was allowed.Now they're saying, no, it's not allowed.It 's fraud in their part.They 're not even a bank.And I need to get his money back, which is XXXX XXXX dollars.And refusing to give it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am writing XXXX formally request an investigation into inaccurate late payment information that is currently being reported on my credit file. These entries are negatively affecting my credit history XXXX overall creditworthiness. Specifically, I request that you investigate the late payment records associated with the following accounts : * XXXX * XXXX * XXXX I believe these reported late payments XXXX be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be thoroughly investigated XXXX corrected or removed if they can not be verified as accurate. Please provide me with written confirmation of the results of your investigation. I appreciate your prompt attention XXXX this matter XXXX look forward XXXX receiving a response within the time period required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-06-02 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I recently closed my Apple card with Goldman Sachs this year due to problems on how the bank was handling disputes and customer service operations. The Consumer Financial Protection Bureau in XXXX began investigating Goldman Sachs on how it was handling it's credit account management practices. This Apple card turned to be a nightmare for me and to thousands of other users as well. The issues were reported by XXXX XXXXXXXX XXXX XXXX years ago in XXXX it involved into an investigation looking into lags and lapses in providing cardholder refunds by Goldman Sachs. I grew frustrated on how Goldman Sachs processed my disputes and never reached a resolution in my favor. Many times the AI system kept sending the disputes back to me to provide more evidence time after time for years. Even after the disputes were a clear error on the merchant, Goldman still did not want to credit my account with the evidence provided. Every 3-6 months the disputes would repeat over and over again for years asking for same information that had already been provided. This is not the first time filing a complaint with the a CFPB. I have filed several in the past in trying to resolve issues with Goldman but the issues remained and some were resolved and others did not get resolved. Finally I decided to cancel my account about 6 months ago because i could not find a resolution with the bank on my disputes and the disputes were not getting resolved by the AI. As of today my closed Apple card has a balance of {$970.00} that is a result of a couple of disputes coming back again to deny my claim after my account had been closed at {$0.00} balance this year. Their system is just not working and the AI makes errors over and over again and does not see the facts and evidence provided. This is the result of a bad business decision by Goldman Sachs into the retail credit card business. As a result now Goldman Sachs is trying to find a bank to unload the Apple card due to severe losses and bad management. I am notifying the bank that the balance will not be paid and to fix the errors and credit my account for the remaining balance currently. Those claims were already resolved but they just kept coming back again. If this issue is not resolved and my account is at {$0.00} balance due to Goldman Sach 's errors then i will have to seek legal advice to protect my rights as a credit card consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
DUE TO THIS ACCOUNT BEING OPENED FRAUDULENTLY I have requested original account applications ( paper, online, or over the phone ) .Signatures, delivery addresses, and phone numbers used to open or access the account.Account statements, transaction records, and charge slips. The financial institution or business fails to provide me original applications, signature records, or account statements upon request, they are violating consumer protection laws. I have the legal right to access these records, especially if I am disputing a debt or investigating identity theft. Remove this fraudulent {$57000.00} " charge-off '' account from your credit profile. Because this is identity theft, you are protected by federal law under Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to block and remove fraudulent information within 4 business days of receiving an official identity theft report. The the credit bureaus and the creditor fail to block the information or continue to validate the debt, escalate immediately : FTC Report Number : XXXX XX/XX/XXXX, XXXXXXXX XXXX FTC Report Number : XXXX XX/XX/XXXX, XXXXXXXX XXXX FTC Report Number : XXXX XX/XX/XXXX, XXXXXXXX XXXX FTC Report Number : XXXX XX/XX/XXXX, 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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: NY

Complaint narrative:
On Friday, XX/XX/XXXX, I made a payment of {$5100.00} XXXX my Citi Bank credit card XXXX ref code XXXX. They took the funds from my bank account at XXXX on Saturday XX/XX/year> as expected. During that same morning, I got an email from Citi telling me that a transaction was declined from XXXX XXXX, someone has tried using it. So, as a safety precaution, I locked the card XXXX requested a new card number. They generated a new card number XXXX. My XXXX date was XX/XX/year>. So, on XX/XX/year> I called Citi since the balance showed as if the payment was not recorded. The rep I spoke XXXX for XXXX minutes was extremely useless XXXX did not provide any help. Furthermore, he misled me. He stated that the {$5100.00} has been cancelled XXXX funds will be returned back XXXX my bank account. XXXX avoid any interest charges, I submitted another payment for {$4800.00} ( confirmation XXXX ). Today morning, XX/XX/year> I see that XXXX payments have gone through XXXX now I have a credit of {$4600.00} in my account. That was never the intent. I did not want XXXX give Citi Bank more money than what I owed, furthermore, I don't want XXXX spend that credited amount.

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 2026-06-02 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
1- I was recently on a XXXX XXXX XXXX with friends and family. I am the legal guardian of a XXXX XXXX individual who was also on this trip. After the first day of the cruise, I received notification of a problem and had to go to the front desk. The desk clerk informed me XXXX XXXX person, " had maxed her credit card in the casino ''. I was angered by this because she is not allowed in the casino and RC should not have allowed this to occur! I allowed XXXX to continue the cruise under my American Express card given specific instruction that she NOT be allowed in the casino. The RC desk ast mgr agreed to my terms. 2-Upon getting off the cruise a bill showed over {$8000.00} spent in the casino by the XXXX XXXX XXXX RC violated terms of the agreement. Took advantage of a XXXX XXXX individual and broken the law protecting federal Americans with XXXX act. 3- I have contacted American express twice on this matter. I have supplied proof of XXXX condition, proof of initial contact with the RC ast magr, and proof of the law. 4- American Express did not investigate the matter. American Express did not review the materials I sent them. American Express did not read the State and Federal law protecting the rights of XXXX people. American Express did not communicate in a format any card holder could access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have two travel charges on my card, both occurring on XX/XX/year>. One is for XXXX at XXXX, and the other is for XXXX 's for XXXX, totaling XXXX. I assumed these would be covered, as I have almost XXXX points. I called when I was unable to process these travel charges for points. I was told they are ineligible for points redemption because of how the merchant " ran the charge '' - even though I have redeemed points for XXXX multiple times, and the same person took my credit card every time. I then asked how a consumer can tell how the merchant is " running the charge '' to see if it is eligible and the agent said, " You can't. '' When I pointed out that was not transparent, and rendered the card useless for travel, she did not reply. How is this fair practice?

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 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am a XXXX my client paid me via card and I ever teed in his info into the virtual terminal provided by PayPal. The client has provided me this card before which I used on a different playtfom and he was able to tap. On PayPal the transaction was successful upon trying to withdraw I was printed that my account is temporarily disabled and I need to do verification I provided every necessary document. However the next day my account was permanently disabled. No one has told me why or how my account has become permanently disabled only I have to wait 180 days I asked if I can refund the customer they told me no I asked to speak to a supervisor they told me no. I have no history of fraud with PayPal I have no history of misconduct with PayPal. The funds were to begin a job fixing a client XXXX XXXX XXXX and now I am not able to finish or even begin the project. Im a small businessman this is severely impacting my business as negatively! I was told a reappear was out in place but after calling over and over I learned that was never the case. I was lied to!

Company response to consumer: Closed with explanation