vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: NJ

Complaint narrative:
I am filing this complaint against Citibank regarding a recently opened credit card account ending in XXXX. This application was submitted based on a specific marketing offer for a 0 % APR balance transfer. 
However, after the account was approved and a hard inquiry was placed on my credit report, I was informed by Citibank that internal balance transfers ( from another Citi account ) are prohibited. 
Legal Basis for Dispute : Failure of Purpose : The " permissible purpose '' for this credit pull was to obtain a debt consolidation tool. Since Citibank is unable to perform the transfer from my existing Citi account, the product is fundamentally unfit for the purpose for which it was marketed and applied for. 
Mutual Mistake : The application was authorized based on the understanding that a transfer was possible. Had Citibanks application systemwhich has access to my existing customer relationshipdisclosed that this specific transfer was ineligible prior to the hard pull, I would not have authorized the inquiry.

Inadequate Resolution : I contacted Citibanks customer service and reconsideration lines to resolve this by removing the inquiry. I was told they " were unable to help in any way '' because the card was already approved. This refusal to correct a documented error is unacceptable.

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 2026-01-14 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: Resurgent Capital Services L.P.
State: VT

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HEARTLAND PAYMENT SYSTEMS INC
State: ID

Complaint narrative:
I have been with this company for about 14 years using the service to run credit cards in my business. Over the last 5 years they have slowly increased fees and percentage charges to me by about XXXX x over industry average. I will call the company and they will get the charges back in average industry range then over 6 months slowly raise the charges. This has gone back and forth until I have terminated them and going with another company. My last statement from them shows I collected XXXX and they charged me XXXX because of a new XXXX annual administration fee which has never been charged that amount. I am filing this complaint more to protect others using there services without knowing they are being overcharged with no oversight. I can provide more information if you need. The company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized transaction on my checking account with USAA Federal Savings Bank. On or about XX/XX/XXXX, I noticed a charge on my account that I did not authorize. Upon careful examination of my account records, I have ascertained that this charge is erroneous and should be refunded. The nature of this charge does not correspond to any transactions that I have initiated in the past or any current authorization I have made. In other words, since becoming a member of USAA Federal Savings Bank, I have never used this account to make payments to any creditor. Below is the details of the unauthorized transaction : Transaction Date Transaction Amount Merchant Name XX/XX/XXXX {$730.00} XXXX XXXX  ( See Attachment A ) Please review the following pertinent facts : 1. On XX/XX/XXXX, I received a Rapid Response Team Invoice, via email, for water mitigation, totaling {$1500.00}. ( See Attachment B ) 2. On XX/XX/XXXX, I notified XXXX XXXX, Managed Repair Examiner, via email, to ensure that my information remain privileged and confidential. ( See Attachment C ). 
3. On XX/XX/XXXX, USAA addressed my concerns about Suspicious Activity. ( See Attachment D ). 
4. On XX/XX/XXXX, I notified XXXX XXXX to forward her request to XXXX XXXX XXXX, USAA Claims Department. ( See Attachment E ). 
5. On XX/XX/XXXX, XXXX XXXX XXXX forwarded a Claim Message to XXXX XXXX in reference to the invoice totaling {$1500.00}. ( See Attachment F ). 
6. On XX/XX/XXXX, I paid {$1500.00}, to include {$54.00} convenience fee, totaling {$1600.00} ( See Attachment G ) using my XXXX XXXX Credit Card ( See Attachment H ). 
On XX/XX/XXXX, USAA internal investigation concluded there were no errors discovered because the initiation was by an authorized user. ( See Attachment I ). Furthermore, USAAs Response to Request for Documentation, dated XX/XX/XXXX, ( See Attachment J ) does not provide any proof that I authorized the transaction or any documentation that shows that I owed {$730.00} to 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 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a medical collection account that is being reported on my consumer credit report without proper validation and without my authorization for disclosure of protected medical information.

I formally disputed this medical collection and requested validation of the alleged debt. To date, the collection agency has failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Despite the lack of validation, the account continues to be reported to the credit bureaus.

Additionally, I did not sign a HIPAA authorization permitting the original medical provider or any third party to release my protected health information to this collection agency or to the credit reporting agencies. Without my express written authorization, the disclosure and reporting of this medical debt constitutes an improper sharing of sensitive medical information.

Because the debt has not been validated and because no HIPAA-compliant authorization exists, this account should not be furnished to consumer reporting agencies. Reporting unverified medical debt is inaccurate, misleading, and harmful to my credit profile. 

I have made good-faith efforts to resolve this matter directly by disputing the account ; however, the collection agency has continued reporting without substantiating the debt or addressing the lack of authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am a victim of identify theft. Starting XX/XX/year>, a fraudster tried opening up credit card in my names at numerous places ( XXXX ). I was aware of this through checking my credit report through the major credit bureaus and noticing the hard inquiries that I never asked for. I have since filed an FTC report and police report, and am going through the process of calling each bank to notify of the fraud. In my XXXX  report, I had two applications through Citibank : a XXXX card on XX/XX/year>, and a XXXX XXXX XXXX  card on XX/XX/year>. When I tried calling citibank 's support number, the automated routing machine kept asking me to identify myself, which I could not do since I don't know what has gone through. I tried asking for representative or agent, but it wouldn't put me through. I am still unable to find any number or chat feature to let citibank know about this fraud alert, therefore I am filing a CFPB report to both make a complaint about citibank, and create a paper trail that I tried contacting them.

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 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was on either text or phone with this bank on three different occasions of which it took anywhere from 30-55 minutes each time. The funds were in the bank and the bank kept denying my purchase. In the meantime, the price of the asset that I was trying to purchase kept increasing in price. Each time I was assured that the account was fine and I would be able to make my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Someone XXXX XXXX opened this account under my name knowing it was going to be in my credit. He falsely removed him self from the account and left me responsible for this account. I have text messages where he says the check is under hes name. Also him telling me he didnt know navy federal counts it in my credit after I told him I was told it was on my credit when I did an application for a house. I really need yall to investigate this because is not fair he does this to me and Im the one suffering when Im a single mom that doesnt have a lot and for me to get scam this way. The company doesnt want to provide me information but wants me to pay not fair. He really took advantage of me knowing I really was a dum person to believe he would help me get my credit right as well a home. He told me he was a realtor as well he worked with credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Subject Via Certified Mail Return Receipt Requested Date : XXXX To : LVNV Funding, LLC c/o Resurgent Capital Services XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Re : Account Number : XXXX Dear Sir or Madam, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

You are hereby instructed to CEASE AND DESIST from any and all communication with me regarding the above-referenced account. This includes, but is not limited to, communication by telephone, voicemail, text message, email, mail, or through third parties.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they wish the collector to cease further communication, the debt collector must comply, except to advise that : Further collection efforts are being terminated ; or The debt collector may invoke specific legal remedies.

Any communication from you outside of these narrow exceptions will be considered a knowing and willful violation of federal law.

Please be advised that I am maintaining records of all communications. Any continued contact after receipt of this notice may result in complaints being filed with, but not limited to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the State Attorney General I further reserve the right to pursue civil remedies under 15 U.S.C. 1692k, including statutory damages, actual damages, and attorneys fees. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Southeast Investment Corp
State: NC

Complaint narrative:
This negative item does not meet FCRA reporting requirements I do not recognize how and why it is reporting delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am filing this new complaint because Comenity Capital Bank has failed to resolve a critical technical issue that has locked my account and is now displaying further system instability, preventing me from managing my finances.

1. New Evidence of System Failure ( Email Error ) As of XX/XX/year>, Comenitys online portal is now falsely flagging my valid email address ( XXXX ) with the message : " There is an error with your email address. Please update your email address now. '' ( See attached : XXXX ). 

My email address is valid, active, and has not changed. This error confirms that Comenitys digital platform is experiencing technical instability. This is the same platform that is currently blocking me from making payments.

2. Continued Payment Lockout & Deceptive Billing The root of this issue remains Comenitys use of the confusing billing descriptor COMN CAP XXXX XXXX XXXX XXXX, which fails to identify the merchant ( Petco ). Due to this deceptive label, I inadvertently flagged a legitimate payment as unrecognized. Comenity responded by locking my ability to pay online.

3. Abusive Barriers to Resolution ( The " Bank Letter '' Demand ) In their previous response ( Ref : XXXX ), Comenity admitted they removed my payment access and demanded I obtain " an official letter from the bank on their letterhead '' to restore it.

This demand is an unfair and abusive practice. My bank account is open and funded. Requiring a consumer to physically go to a bank branch to get a paper letter in XXXXto fix a digital error caused by the creditors own confusing datais an obstructionist tactic. It serves no purpose other than to prevent me from paying, thereby manufacturing late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Issue Summary : PayPal violated the Consumer Financial Protection Act ( CFPA ) via unfair/deceptive practices ( UDAAP, 12 U.S.C. 5536 ) by silently reversing my final {$69.00} refundposted XX/XX/XXXX ( XXXX XXXX, Refund from Bank - Completed, NOT provisional ) debiting my account XX/XX/XXXX ( case XXXX now seller-favorable ), creating- {$66.00} negative balance without notice, explanation, or response opportunity. Despite my timely evidence of non-delivery ( purchase XX/XX/XXXX ; reported XX/XX/XXXX ; docs XX/XX/XXXX ), seller submitted none initially and never contacted mebreaching PayPal Buyer Protection and User Agreement notice requirements. [ Attachment +2 ] What Happened ( Timeline ) : Purchase : XX/XX/XXXX ( {$69.00}, XXXX XXXX via XXXX subs ). 
Reported non-delivery : XX/XX/XXXX ( expected XX/XX/XXXX mailbox ; tracking XXXX ). [ Attachment ] Submitted docs : XX/XX/XXXX ( tracking proof, no mail received ). 
Case closed my favor : XX/XX/XXXX ; final refund posted XX/XX/XXXX ( Refund from Bank - Completed ). [ Attachment +1 ] Unauthorized reversal : XX/XX/XXXX ( {$69.00} XXXX  Instant debit via XXXX ; no prior notice ). [ Attachment XXXX ] XXXX XXXX ( XXXX ) : Only my submissions ; zero seller/PayPal replies. [ Attachment ] Violations : CFPA UDAAP : Unfair ( substantial injury via negative balance/account limits, unavoidable sans notice ) ; deceptive ( misled on refund finality post-evidence review ). [ consumerfinance ] PayPal Buyer Protection : Entitles reimbursement for undelivered items ; ignores my proof/seller inaction. [ paypal ] User Agreement : Requires reversal notices ; 27-day post-closure appeal without buyer input breaches process. [ paypal +1 ] Harm Caused : Account restricted ( can not send/receive ) ; financial hardship as primary payment method. Undermines trust in PayPal dispute resolution.

Supporting Documents : 7 PayPal screenshots ( reversal txn, timeline, balance, messages ). [ XXXX ] [ Attachment ] Tracking XXXX ( non-delivered ) XXXX 
Case IDs : XXXX, XXXX. 
Desired Resolution Immediate {$69.00} refund restoration + fees, negative balance zeroed, case XXXX reopened with my appeal rights, full seller/PayPal evidence disclosed, UDAAP process explanation, and Buyer Protection enforcement. Submission Notes Yes to public sharing. Note Arizona reside
ncy. Print confirmation #. Follow up via PayPal Message Center post-filing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Our mortgage was taken over by Freedom Mortgage in XXXX. We have been homeowners for 9 years and we have never missed or been late on a single mortgage payment. In the month of XXXX of XXXX, we logged on to submit a mortgage payment as we have always done. Somehow the payment was not submitted. We have proof that we had more than sufficient funds to make the payment at the time that it was due. We are unsure of why the payment was not submitted. 

Upon speaking to Freedom Mortgage, they said that a late payment notice was sent through the mail on XXXX the XXXX. Given the holidays, we did not receive this notice in time to make the payment. We did receive a voicemail on XX/XX/XXXX regarding borrowing more money from them against our equity, but no mention of our current mortgage being late. 

Upon receiving the notice, we immediately paid the past due amount and the amount due for the month of XXXX. The payment was posted on XX/XX/XXXX. Today I was notified by my XXXX  account that I have been reported for missed payment and that my credit score dropped XXXX points based on this mistake. 

Additionally, there is a trend of customer complaints about Freedom Mortgage currently filed with the XXXX  around XXXX XXXX XXXX of XXXX noting significant online account and payment processing issues, including payments not being applied, incorrect delinquency notices, and added fees suggesting localized or systemic problems with their digital systems that month. 

I want to reiterate that we have been homeowners for 9 years and have never been late on one single payment. Additionally, our car and student loan payments are in the same standing of- never a late payment. In the same month of XXXX, we paid all the rest of our bills on time with proof that our account had more than enough funds to cover our mortgage. I tried to resolve this issue with Freedom Mortgage but was told " nothing can be done. '' This cant truly be how credit scores actually work. 9 years of on time payments and one clerical error or a payment not being processed and it ruins your credit score. Please help me to resolve this issue. Thank you

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, a domestic ACH transfer in the amount of {$2000.00} was initiated by my spouse from our joint Bank of America checking account, to his XXXX XXXX account. The destination account number was entered incorrectly by one digit. Subsequently, I was informed by XXXX XXXX customer service that the destination account number does not exist and therefore could not have accepted the funds. I contacted Bank of America multiple times to request an ACH trace and confirmation of the final disposition of the funds, including whether the transfer was accepted, rejected, or returned. Bank of America stated that the funds were sent to XXXX XXXX but did not provide the ACH trace results or any confirmation that the funds were credited to a valid account or returned. As of today, the {$2000.00} has neither been credited to any account nor returned to my Bank of America account. I am requesting confirmation of the final disposition of the funds and the return of the transfer if it was not accepted by the receiving bank.

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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
I am submitting this complaint to request clarification and documentation of Affirms policies regarding charged-off accounts.

I contacted Affirm to ask whether I could begin making payments on my charged-off account to prevent it from being sent to collections. I was told that Affirm does not allow payment arrangements, does not offer settlements, and that making payments would not prevent the account from being referred or sold to collections.

I am concerned because I am attempting to resolve this debt in good faith, yet I am being told that no payment option is available unless the balance is paid in full, and that the account may still be sent to collections regardless.

I am requesting : 1. Written confirmation of Affirms policy regarding charged-off accounts and payments 2. Clarification of whether partial or installment payments are categorically refused 3. Clarification of how and when accounts are referred or sold to third-party collections 4. Confirmation of how this account is being reported to credit bureaus I am not disputing the validity of the debt at this time. I am seeking transparency and documentation of Affirms policies so I can make informed decisions.

Company response to consumer: Closed with explanation