vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 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: FL

Complaint narrative:
Dear CFPB Consumer Response Team, I am writing to file a formal complaint against Citi Visa for failing to properly investigate and resolve XXXX chargeback disputes filed in connection with a fraudulent {$22000.00} purchase from XXXX XXXX XXXX, XXXX XXXX, Florida. In XX/XX/year>, my mother, XXXX XXXX ( age XXXX ), and I were approached by a salesperson from XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. The salesperson demonstrated and sold us the XXXX XXXX XXXXXX/XX/XXXX for approximately {$22000.00}, charged to our Citi Visa credit cardXXXX ( Dispute No. XXXX and XXXX ). The salesperson was informed that my mother is XX/XX/XXXX. Despite this knowledge, the salesperson proceeded to sell the device and represent it as safe and beneficial for her health. This was a deliberate and deceptive misrepresentation. The manufacturer 's own User Manual, under " PRECAUTION & WARNING, '' explicitly states in bold : " Do NOT use product if : You areXX/XX/XXXX '' This contraindication was never disclosed by the salesperson. Had we been informed of this warning, we would never have purchased the product. As a direct result of this omission and misrepresentation, my mother is physically unable to use the device. The {$20000.00} machine is sitting unused. We attempted to return the unit to XXXX XXXX XXXX and were refused. We filed disputes with Citi Visa ( dispute numbers listed above ) and were denied relief. We contacted XXXX XXXX consumer help and did not receive assistance. We are requesting a full refund of {$22000.00} and ask that your office investigate XXXX XXXX XXXX for deceptive and predatory sales practices targeting elderly consumers. We filed chargebacks with Citi Visa under dispute numbers XXXX ( XXXX XXXX XXXX and XXXX ( XXXX XXXX ) . Citi denied both disputes despite clear evidence of misrepresentation and an unusable product. Under the Fair Credit Billing Act ( FCBA ), consumers are entitled to dispute charges involving goods or services that were misrepresented at point of sale. This product was sold to a consumer with a disclosed medical condition that the manufacturer explicitly states disqualifies use of the product. We respectfully ask the CFPB to investigate Citi Visa 's handling of these disputes and require the disputes be re-examined under the XXXX. We are prepared to submit all supporting documentation. Sincerely, XXXX XXXX ( On behalf of 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 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Complaint Against Chime Financial , Inc. for Failure to Properly Investigate Unauthorized Transaction To Whom It May Concern, I am filing a formal complaint against Chime Financial , Inc. regarding their failure to properly investigate an unauthorized transaction on my account. On or about a recent date, I discovered an unauthorized charge from a merchant with whom I have never had an account or conducted any business. I promptly reported this transaction to Chime and initiated a dispute. However, my dispute was denied within approximately XXXXXX/XX/XXXX, which clearly indicates that no reasonable or proper investigation was conducted. Under the Electronic Fund Transfer Act ( XXXX ) and its implementing Regulation XXXX, financial institutions are required to conduct a thorough and reasonable investigation before denying a claim involving unauthorized electronic transactions. A decision made within such a short timeframe raises serious concerns about whether Chime complied with these legal obligations. Due to the inadequate handling of my initial dispute, I reopened the claim and have since filed a police report to further substantiate that this transaction was fraudulent and unauthorized. I am requesting the following : A full and proper investigation into the unauthorized transaction Immediate reimbursement of the disputed funds Written documentation detailing the steps taken during the investigation Assurance that my consumer rights under federal law are being upheld Chimes failure to properly investigate this matter has caused me financial harm and significant frustration. I am requesting that the Consumer Financial Protection Bureau review this complaint and take appropriate action to ensure compliance with applicable consumer protection laws. Thank you for your attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I have a home at XXXX XXXX XXXX XXXX XXXX nc XXXX, the lender SPS keeps placing insurance on the home because they say i dont have insurance. The problem is my house is at XXXX XXXX XXXX XXXX the lien/ title etc all show this since i bought the home, check original documents.... but the lender has changed my address to XXXX XXXX XXXX XXXX somehow and thats the problem.... my formost insurance is covering my house at XXXX XXXX and because they slipped and have the incorrect address they are causing me this stress and forclosure mess... i have asked called and called spent hours and hours on the phone ran around all over town because they said I need to fix this or prove where my house is.... my home is XXXX i have insurance on my home my lien is this address from original purchase I have not moved my home... i request to have this lender insurance removed but they wont help i uploaded all documents etc. they need to remove all lender placed insurance through the last couple years, and any fees associated with these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Coinbase regarding a disputed ACH transaction and the improper recovery of {$5500.00} in assets from my account. On XX/XX/year>, I purchased {$5500.00} in XXXX using my bank account with XXXX XXXX, which was linked through XXXX. The funds were credited immediately. Coinbase claims that on XX/XX/year>, the XXXX debit was returned with code XXXX ( No Account / Unable to Locate Account ), and based on that claim, they recovered {$5500.00} from my account, including liquidating cryptocurrency assets ( XXXX and XXXX valued over {$750.00} ). However, I contacted XXXX directly, and they confirmed that no XXXX debit from Coinbase for {$5500.00} was ever received, processed, or returned on or around those dates. If no XXXX entry was received by my bank, then no return code could have been generated. Additionally, the account was linked via XXXX, meaning the account and routing information were verified directly with the bank and not manually entered. This makes an account not found return highly unlikely and raises concerns that the issue may have originated from Coinbases transmission or processing of the ACH debit. I have requested that Coinbase provide documentation to substantiate their claim, including : XXXX XXXX number XXXX or equivalent transaction record Routing/account details used Originating bank and transmission details To date, Coinbase has not provided this information and continues to assert that the return originated from my bank, despite my bank confirming no such transaction exists. As a result, Coinbase has removed {$5500.00} in assets from my account without providing verifiable proof that the underlying debit failed due to any issue with my bank account. Separately, there is a second transaction involving a different bank account with XXXX XXXX that resulted in a returned payment due to insufficient funds. I acknowledge this is a separate matter and will address it independently. However, it does not resolve or justify the disputed {$5500.00} recovery tied to the XX/XX/XXXX transaction. Requested Resolution : I am requesting that Coinbase : Provide verifiable ACH documentation supporting the alleged XXXX return, OR Reverse the {$5500.00} asset recovery if such documentation can not be produced I am seeking a fair resolution based on verifiable transaction data and ultimately restoration of those assets OR their equivalent value

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: TX

Complaint narrative:
They closed my account with alot of money in my account without telling me and then they froze my account and they have told me multiple times that my account has been closed since XX/XX/XXXX and yesterday I get an email saying my disputes have been solved and I called today and they told me the count down starts again today bc today will be the day they close my account due to disputes being solved yesterday. I have already made complains with coorporate and other beareaus and I have contacted my lawyer as well and we are talking about doing a lawsuit if I don't get my funds asap. the resolution team guy from credit karma bank his name is XXXX told me and I have it in writing bc I wrote it down that tomorrow I should get an email saying my funds have been mailed to my address and that I should het my check on XX/XX/XXXX or XX/XX/XXXX. If I dont get my check on XXXX of those dates I will be starting up with the lawsuit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: IL

Complaint narrative:
I was contacted recently by Future Judgements located in XXXX, WI who is a debt collector regarding alleged debt from a credit card company from 2007 when I lived in Wisconsin. They used high pressure tactics threatening to file a lawsuit in XXXX XXXX, IL where I currently live unless I sent them a settlement of {$1300.00}. They refused to provide me any written documentation regarding specific dates and merchants where the alleged debt came from and would not provide the name of the credit card that I was alleged to have used making it difficult for me to remember any of these claims since they allegedly occurred 18 years ago. I attempted to send them a registered letter return receipt requested through the USPS requesting they stop contacting me regarding alleged debt that had far exceeded the statute of limitations for both WI and IL. They refused to sign for the letter after XXXX attempts were made by the XXXX, WY post office to deliver it. I then sent a first-class letter through the USPS and obtained a Certificate of Mailing Form XXXX proving that I sent the letter to them and requested that they stop contacting me regarding this matter since the statue of limitations has been exceeded. I also advised them that they have provided me no written documentation of this debt and rI efuse to take any further action without the requested documentation.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CL Holdings LLC
State: TN

Complaint narrative:
My social security card was stolen in XXXX I was able to replace it and at that time no accounts were open til my knowledge. I recently checked my credit and I had over a dozen that I had no know of Ive never been outside of the state of XXXX but have account in Wisconsin and etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX 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. XXXX that you are licensed XXXX collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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:
On XX/XX/year>, I received my billing statement for Citi. After opening it, I noticed that my payment for XX/XX/year> is {$340.00} or more. This is triple the payment due for XX/XX/year>, which was {$100.00} or thereabouts. On XX/XX/year>, at XXXX am, I called the Citi XXXX XXXX Customer Service phone number ( XXXX ) located on the back of my Citi credit card for assistance. However, my call was routed XXXX the XXXX XXXX XXXX. This is a repeated issue XXXX I am not receiving the quality customer service that I seek. During this call at the initial stage, I requested to speak with a XXXX representative or XXXX supervisor. The XXXX representative repeated stated that she could not forward me XXXX a XXXX representative or supervisor. In the past, I have been forwarded. She continued to repeat this to me the more I requested. After several minutes, she decided XXXX forward me XXXX XXXX of her XXXX instead. This person did not give her name as I recall and refused to forward me XXXX a XXXX XXXX. As I tried several times XXXX request a XXXX XXXX, she hung up the call. I have had XXXX endure this type of response from the XXXX XXXX XXXX for the past XXXX years. I have not been able XXXX successfully reach a XXXX representative any more. I do not know why my calls are being routed directly XXXX international call centers for the various businesses I patronize ( i.e., XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Citi, XXXX, XXXX, XXXX, etc. ). Since this has been happening, The XXXX XXXX Centers have placed numerous unwarranted fraud alerts on my accounts that restrict me from the use of my credit cards among other things. In this instance, my payment is tripled while my balance has been paid down. This is illogical XXXX I am convinced that representatives at the XXXX Call Centers are targeting me with harassment by changing my payment dates unawares XXXX me, not mailing my billing statements XXXX my XXXX mailing address on file, refusing XXXX assist me regarding the issues on my account when I call about it. There are many other incidents I can lists as well.

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 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
There was a charge on my cashapp for {$410.00} from a company labeled XXXX on my transaction detail. I didnt know what the charge was for but realized they had taken money after pretending to be XXXX- a site where you can sell used clothing - and sent me an email saying to verify my bank in order to sell on XXXX. They said multiple times they were authorizing only a few cents and for XXXX XXXX then itll be released. I saw no charges from XXXX but then this {$410.00} charge from XXXX showed up. I chatted Cash App Support that day that the charge was pending and they said that it was a pending transaction not completed so I asked are they able to tell if its always gon na be pending or if it was an actual charge like a purchase and they said it was pending so that made me think that it was OK. But then the charge posted so I disputed the charge with cashapp and it was denied. When I tried to Support to ask why it was denied they had stated that they could send me documents about the investigation or what they used to come to the conclusion that this fraudulent charge wasnt fraud. I asked for them and never received them. Meanwhile, I called to appeal the denied dispute over the phone thinking that would be more effective and so the rep filed the case over the phone for me. To my surprise it was also denied. When I called to try and figure out why theyd deny it when theres no company contact info and what their investigation entailed, the rep just kept repeating himself over and over saying they had investigated it and decision was final. I asked multiple times for contact info because if cashapp cant help me then I need to go direct to the merchant and they said they had no information for me which directly contradicts what they had told me previously, so Im only asking for what they said they could provide because they have planted that idea in my head it would be available and refused to let me talk to a manager saying f theyre only available via email. I think that {$410.00} is a lot to be scammed out of and am shocked cashapp denied the dispute. I informed square that a fraudulent business was using their platform to take money but they also couldnt give me their contact info and nobody reached back out to me from square either after saying they would. XXXX confirmed for me via email that they dont request verification the way I described was asked of me and said it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: UT

Complaint narrative:
I had a scam loan company tell me I got approved for a XXXX $ loan they just had to send me XXXX $ first and then they would have me send it back to verify I was real and truthful. So I got the money, send it back to them they had me withdrawn cash goto the store and buy a gift card to send it back to them. I sent it back to them and never received the money they said they would send back. Then my bank got charged the money they sent to me like it was never there so now Im negative XXXX $ in my account

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 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I have a credit card with continental Finance Company. XX/XX/year> I called them in order payoff my balance, I asked if it would be available tomorrow, because I need to make a rent deposit, they told me it would so long as the funds could be verified. This morning I checked the card info the payment I made the day before is posted but not available I checked my bank account and it is posted. Continental has the funds. Continental also acknowledged that in their system the payment has been verified. However they will not release the payment-funds. I receive misinformation and this is damaging. I now have to scramble to make payment. This is misrepresentation. The account with Continental is ending with XXXX. AP

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

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 : 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 licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a VERIFIED victim of identity theft and have fully complied with all federal requirements by submitting an FTC Identity Theft Affidavit, government-issued identification, and proof of address. Despite this, the credit bureau has FAILED to delete the fraudulent account ( XXXX ) from my credit report within the MANDATED XXXX ( XXXX ) business days as required under FCRA XXXX. This is a clear violation of my consumer rights. Additionally, the bureau has FAILED to provide any lawful verification of these account ( XXXX ) as required under FCRA XXXX. These continued violations have caused significant damage to my credit profile and are directly impacting my ability to obtain credit, housing, and other essential services. The ongoing reporting of fraudulent information demonstrates a blatant disregard for federal law.

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 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is not an error and must be treated as a legitimate dispute. My credit report contains information that does not meet the standard of maximum possible accuracy. These inaccuracies are causing ongoing XXXX measurable harm XXXX my financial standing.

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