vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, my BOA credit card showed an online charge ( purchase ) of {$200.00} on XXXX XXXX at XXXX that I did not purchase. I immediately called BOA and explained that I did not authorize the purchase. At first, BOA did reimbursed the amount. But later on XX/XX/year>, BOA recharged the amount to my account by claiming that I did authorize the purchase.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted BMO immediately after 3 transactions posted on my account to report them as fraud.

There was a charge from Vivid Seats for {$360.00} and 2 charges from XXXX. 

I spoke with an agent who barely spoke English and didnt even properly process the claim and failed.

They never asked for details and I never got my refund for these fraud charges.

BMO failed to protect me as a consumer and still hasnt helped when I reached out multiple times for support

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Goodwill Adjustment Request Macys Store Card ( Issued by Citibank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX MACYS / CITIBANK NA XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Goodwill Adjustment Request Macys Store Card ( Issued by Citibank ) Account ending in : * XXXX Dear Sir or Madam, I am writing to respectfully request a goodwill adjustment regarding a single 30-day late payment reported on my Macys store card account in XX/XX/XXXX. 

This late payment was an isolated incident that occurred during a difficult period following a serious motor vehicle accident on XX/XX/XXXX. As a result of the accident, I was dealing with injury-related recovery, ongoing therapy, and accident-related insurance and administrative matters, which temporarily disrupted my normal financial routines. 

During this time, I genuinely believed that my payment had been made as usual. Unfortunately, due to the circumstances surrounding my recovery and the issues related to the accident, I did not realize that the payment had posted late until after the fact. This was not intentional and does not reflect my usual payment behavior. 

Since then, I have fully resumed normal financial management and have maintained this account in good standing. I have made all subsequent payments on time and have often paid more than the required minimum. This single late payment does not reflect my overall payment history or my commitment to meeting my financial obligations. 

I value my relationship with Macys and Citibank, and I respectfully ask that you consider removing this isolated late payment as a gesture of goodwill. Doing so would help ensure that my credit report accurately reflects my long-term positive payment history. 

Enclosed is documentation from my insurance carrier confirming the accident and date of loss for your reference. 

Thank you very much for your time and consideration. I appreciate your review of my request. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: MT

Complaint narrative:
I signed a 4-year contract with Citizen 's Debt Relief around 3 years ago. I have paid them {$120.00} every two weeks from that time, and I have never missed a payment. They were supposedly negotiating lower payments for me from several credit card companies and XXXX XXXX XXXX. I have a decent amount of money banked with them. According to the latest statement they sent me several months ago, no accounts have been settled. Two weeks ago l received a notification from my HR office that XXXX XXXX XXXX is garnishing my wages. I immediately notified Citizen 's Debt Relief and sent them the paperwork. I have sent them several emails and text messages on this topic, and they have not responded to any. I need my banked money to go to XXXX XXXX immediately so I can lower my garnishment payments. Incidentally, XXXX XXXX is an account that they promised to help me with from the start. They have taken my money month after month and provided NO services! They have not responded to my request for a copy of my original contract. They have done absolutely nothing to help me, but they have never missed taking a payment from me. I need that banked money immediately!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 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: CA

Complaint narrative:
I am submitting this complaint regarding Citis handling of a disputed charge with XXXX XXXXXXXX in the amount of {$400.00}. 

I timely filed a dispute for this charge, and Citi confirmed that a conditional credit would be issued and resolved within the standard 60-day dispute period. Instead of resolving the matter, Citi later reopened the dispute in late XXXX without a clear explanation. 

Subsequently, Citi sent me the following written notice : When resolving your dispute, we credited your account for {$310.00} in excess. To correct this, we are debiting your account in the amount of {$310.00}. This adjustment will appear on your subsequent billing statement. We hope this information is helpful. We apologize for any inconvenience this may have caused. 

The {$310.00} referenced in this letter is not related to the {$400.00} dispute. That amount pertains to a separate transaction ( XX/XX/year> ) with the same merchant that was refunded directly by the merchant, outside of and unrelated to the disputed charge. It appears the dispute investigator incorrectly associated this unrelated refund with the active dispute, resulting in an improper debit to my account.

Since receiving this notice, I have contacted Citi at least ten ( 10 ) times to resolve this issue. Each call results in the same outcome : I am told that an investigation, audit, or back-office review will be initiated and that I should expect a response within 710 days. I have never received any follow-up, written response, or resolution. 

In several instances, I have been disconnected while on hold, further preventing resolution. Despite repeated attempts, I have been unable to reach anyone who can correct the error or provide documentation explaining Citis actions. 

As it stands, Citi has improperly debited {$310.00} from my account, and I am owed this amount. I am requesting CFPB assistance to ensure that : The unrelated {$310.00} refund is correctly separated from the {$400.00} dispute, The improperly debited {$310.00} is returned to my account, and Citi provides a clear, written explanation of how this error occurred and how it will be prevented in the future. 

Thank you for your assistance in resolving this matter.

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 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Property Receivables, Corp
State: NC

Complaint narrative:
On XX/XX/XXXX I received a phone call from a woman named XXXX from the phone number ( XXXX ) XXXX. She informed me that she was with a company called Property Recievables and was calling regarding a balance of an unpaid rent and Wi-Fi bill totaling at {$1400.00}.

I do not owe any leasing office money. I called my previous leasing office and was informed of a {$0.00} balance regarding rent and WiFi. I owe them nothing at all. I informed XXXX of this and she gave me an email to send a copy of my Renters Ledger to so that they could file a dispute. I did not send her any information at all. She could not tell me what company or office filed this debt because it was considered a " legal matter ''. She also could not give me the date regarding the missing rent payment either. She went on to explain that this debt was not put into collections yet, but that if I did not pay the balance soon that it would and that it would affect my credit. 
I got another call today ( XX/XX/XXXX ) from XXXX following up from a different phone number [ ( XXXX ) XXXX ]. She informed me again about the debt I owed but never specified the amount, date, or company that it came from. She then informed me again that it would be going into collections soon but did not provide a date for that either. I told her that they were mistaken, I do not owe that debt. She tried to get me to agree to call back once I saw that the debt went into collections and I wanted to settle it, to which I did not respond and hung up the phone because I did not agree to any of that. I looked up her company on XXXX and found many negative reviews writing that this company is unprofessional and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute an accout that appears on my credit report which I do not recognize. I believe this account is the result of identity theft, and I did not open, authorize, or benefit from this account in any way. 

The account in question is listed as follows : Creditor NameXX/XX/XXXX Date Opened : XX/XX/year> I have never had any business relationship with this company, and I did not give permission for anyone to open this account on my behalf. I am requesting that this account be investigated and removed from my credit report immediately. 

Under the Fair Credit Reporting Act, I repectfully request that you conduct a prompt investigation and provide me with written confirmation once this inaccurate information has been removed. 

Thank you for you cooperation on this matter. 

Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: WV

Complaint narrative:
I am submitting this complaint regarding an improper vehicle repossession following a partial catch-up payment and a verbal repayment plan that should have paused enforcement. 

On or about XXXX XX/XX/2025, I contacted Ally by phone because my online account was blocked and would not allow payment. During that call, I made a {$1200.00} payment ( approximately 1.5 months of payments ) and discussed a repayment plan to bring the account current. I was not informed that additional payment was required to prevent repossession, nor was I told that repossession would continue despite the payment.

Weeks later, my vehicle was repossessed without notice, despite that payment having posted and despite my reasonable understanding, based on the phone conversation, that enforcement would be paused while I continued catching up.

Since the repossession : Multiple departments have stated there is no record of the phone call, despite the payment having required human intervention to unblock the account.

Collections initially stated they could not locate the account.

Customer service acknowledged that similar situations occur where payments are made but repossession still proceeds.

I have been told a call review will take 35 business days, during which time my vehicle remains held and additional fees accrue.

No supervisor escalation has been meaningfully provided.

This repossession has caused immediate and severe harm, including : Loss of transportation required for employment Risk of job loss Inability to meet existing obligations Accruing storage and redemption fees I believe this constitutes : Improper repossession following payment Failure to maintain required call records Unfair and deceptive servicing practices Lack of reasonable opportunity to cure default Resolution Requested Immediate release of the vehicle without additional fees Written confirmation of account status and payment application Correction of any adverse credit reporting related to this repossession Documentation of the alleged phone call review and servicing notes I am requesting CFPB assistance due to the lenders failure to resolve this matter through normal customer service channels and the ongoing, irreparable harm caused by the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate information listed on my credit reports from Equifax ( EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Below, I have outlined the accounts in dispute for each bureau, along with the associated account details. 

Equifax ( EQ ) Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The fake princess dump scam organized operators used the Internet to create terror and gobbled up my available credit through a XXXX transaction via a zip code change because of corrupt housing. Capital One will not intervene fast enough to avoid more housing protection issues. I need to use more savings for XXXX more days to pay for housing. XXXX XXXX transactions used available credit instead of one. One transaction rejected due to zip code billing address configuration. More dark web games. I changed my mailing address not my billing address. Face the XXXX XXXX XXXX scam that I have reported before. Look at my complaint history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding misleading funds-availability representations, failure to provide timely hold notice, and resulting financial harm. 
On XX/XX/year>, I deposited a check in the amount of {$91.00}, XXXX at Wells Fargo Bank. Because of the size of the deposit, I intentionally did not use mobile or ATM deposit and instead deposited the check in person with a banker. At the time of deposit, I specifically asked when the funds would be available, explaining that I needed to pay past due and current bills, including a mortgage and credit cards held with the same bank. 

The banker informed me that {$400.00} was available immediately and the remaining deposit of {$91000.00} would be available the following day. I was provided a written deposit receipt stating that {$400.00} was available immediately and the remaining deposit " will be available '' the next day, XX/XX/year>. No verbal or written notice was provided that the availability was provisional, subject to reversal, or subject to an extended hold. 

The next day, my online banking reflected the remaining deposit as available, and the bank permitted multiple payments to post against those funds. Based on the written receipt, verbal confirmation from the banker, and the posted available balance, I reasonably relied on the funds and paid all past due and current obligations. 
Several days later, my debit card was declined, and when I checked my account, the previously available deposit had been removed. XXXX days after the deposit, I received a text message at roughly XXXX stating that the check was being held for 10 days. By that time, multiple payments had been returned for insufficient funds, and my account was overdrawn with associated fees. 
I filed an internal claim with Wells Fargo. The account XXXX, XXXX, subsequently closed the claim, stating the bank did nothing wrong and citing an account agreement allegedly provided over XXXX  years ago stating that " some deposits XXXX be held for XXXX  days. '' I have been unable to locate this document, and regardless, it does not negate the bank 's written and verbal representations at the time of deposit nor its failure to provide timely notice of an extended hold. 
The harm I suffered includes : return payments, insufficient fund fees, hold placed on student account preventing access to class, requirement of the use of money orders and cashiers checks resulting in greater costs to me, and account damage and account access due to reliance of the bank 's representations.

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 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I am submitting this complaint regarding my mortgage servicers handling of insurance requirements and escrow account disclosures related to my condominium loan. 

I have been making regular mortgage payments since XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX, a total of approximately 16 months, my monthly mortgage payments included escrow payments for taxes and insurance. Throughout this period, my escrow account statements consistently listed a Homeowners/Hazard Insurance policy identified as a condo policy, including an insurance company name, policy number, coverage type, and coverage amount. 

Based on this escrow account information and the absence of any insurance deficiency notices or warnings, I believed that my homeowner insurance obligations were being satisfied. At no point during this period was I notified that a separate XXXX condo unit owner policy was required or missing. 

In the early morning of XX/XX/XXXX, my property suffered a fire loss, resulting in significant damage and out-of-pocket expenses. Only after this event did I learn that I did not have XXXX coverage in place. 

I mailed a written inquiry to the servicer on XX/XX/XXXX, requesting clarification regarding the escrow insurance information and the servicers insurance monitoring and notification practices. The servicer received my inquiry on XX/XX/XXXX, and I am currently awaiting a response. I am submitting this complaint to request independent review and oversight of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: TX

Complaint narrative:
On the XXXX My XXXX  and Myself went out to eat in New York XXXX XXXX local Restaurant that was said to have good sandwiches. 

I'm from Florida so when I saw XXXX XXXX and XXXX XXXX  on the menu I ordered that. 

She paid for the meal and I then Cash App 'd her my half of the bill. 

Cash App flagged the transaction because I included the word Cuban in the transaction memo. 

I have provided all of this information to Cash App over the phone, in text, and in email. 

Cash App is maintaining that there phone support can not help, there Text support also claims they are " looking into it '' but have been doing so for almost 10 days now, and they are refusing to responded to emails. 

They have also not reached out to her to confirm anything in this time. 

They have effectively stolen {$40.00} from me and are holding it without timeframe of return or resolution. 

If they are doing this to me, it is likely they are doing this to thousands of others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Chime Financial Inc
State: TX

Complaint narrative:
Three text messages were received attempting to confirm validity of charges on XX/XX/year> and XX/XX/year>. Each was promptly responded to as " NO '' for not authorized. Each message received a return reply indicating that " the charge was blocked and no funds have been taken from your account ''. The account card was immediately frozen after the first text was received. 

XXXX unauthorized charges later appeared on my account statement each dated XX/XX/year> in the amount of {$100.00}, {$100.00} and {$1.00} all noted as La XXXX XXXX XXXX XXXX XXXX. 

A dispute ( XXXX ) was filed on XX/XX/year> with Chime. On XX/XX/year> an email response was received advising that - Weve completed our investigation of your billing inquiry, and weve determined that no billing error occurred. No explanation or documentation was provided. 

Chime has refused to take any further action for these fraudulent charges and has failed to refund these fraudulent charges. 

I have discontinued used of my account until this matter is resolved.

Company response to consumer: Closed with explanation