vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My account is locked for security purposes. I called Citibank to uplift my lock and they are telling me they can not verify through email or phone number. They wont tell me the address the letter is going to or anything. Ive recently moved cities and I am unable to look in my mobile banking app for the address because it is locked. I spoke with XXXX representatives who are able to send verification codes through phone number and email. Ive received both of those. The department that is to uplift my hold was closed and they told me to call back in the morning. I asked the rep if there were gon na be any problem with me accessing my account in the morning with any other rep. She told me no my account is fine I should be okay. I asked her will I need the letter that was sent to me that I have she told me no they have the letter on their end I dont need the letter. I completed my security word with the agent and also received the one time code to my phone. I speak with one rep and they say Im all good then I speak with another and they keep telling me theres nothing they can do. I have explained to them numerous of times I have 2 small children ages 1-2. Im unable to buy diapers due to this inconvenience my kids cant leave the house and I have to deal with clothes with waste on them because I cant access my funds and provide for my own children.

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 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
First the credit agencies have errors on my formal name which XXXX XXXX. They have an initial XXXX XXXXn my name i bee trying to rectify for a while now. There bills under the XXXXXXXX XXXX attached to my credit record. I send request to all the XXXX bureau to fix that, but never been fixed. There is a big collection by a XXXX party company that keep on reporting my name to the credit bureau. I never gave them concent to do any of that because I didnt do business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: OH

Complaint narrative:
I had an account closed on XX/XX/XXXX without any explanation why through the company self credit card I asked them why it was closed they havent and will not provide any information to me other than it being unverifiable which I have asked what needs to be verified and they state they are not able to disclose that information to me I have two accounts that Im supposed to receive money back for one a over {$900.00} and they other a little over {$2500.00} this is money Im supposed to be getting back from the company via direct deposit as well as paper check the payout date for my direct deposit has now passed and am now approaching the next month and I still have not received my direct deposit refund or my paper check to my mailing address and have still not received any updates from selfs escalation department via email or phone call this incident has not only inconvenienced me but has also been reflected on my credit lowering my score I also have the conversation between me and the company recorded

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I have never received any information regarding this alleged debt. The only reason I know about it is because it's on my credit reports. I demand this agency to send me proof that they are legally allowed to collect the alleged debt pursuant to the FDCPA and my state rules. I demand to be sent a copy of the purchase agreement or assignment letter/agreement. I also demand this agency to cease and desist all collection and communication efforts, this includes credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 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: Continental Finance Company, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I put a deposit on a layaway piece of jewelry. I went back to the merchant three times within the first week to cancel it and they kept telling me I needed to come back another day and time to see someone else and that person was conveniently never there. I tried to cancel the layaway by complying with the merchants requests but they kept giving me the run around so I disputed it with my credit card company ( cerulean ). The merchant sent them a receipt and a policy which I also provided the same and said they provided me the jewelry which is a lie because it was a layaway that they do not allow jewelry to be taken until fully paid and I still owed another XXXX plus interest. I filed a police report and sent all of my evidence to the credit card company but they still sided with the merchant who blatantly lied and refused to work with me when I went to their store and now I dont have my money or my jewelry so they not only took my XXXX and resold the jewelry but I have nothing.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint against Truist regarding a {$500.00} XXXX transaction ( Claim XXXX ). I was the victim of a Qualifying Imposter Scam. The perpetrator ( 'XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX used a live XXXX XXXX screen share to impersonate a legitimate, multi-million dollar corporation ( XXXX XXXX, XXXX XXXX to gain my trust and induce the payment. Truist denied my claim and a subsequent request for a second review, stating the transaction was 'authorized. ' However, Truist is failing to apply the XXXX XXXX XXXX reimbursement mandates, which require member banks to reimburse consumers who are victims of scams involving the impersonation of an existing service provider or business entity. I have provided Truist with documented proof of this business identity theft, yet they have refused to acknowledge it as an imposter scam. I am requesting a full reversal of the {$500.00} charge.

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 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am formally disputing the accuracy of the collection account for {$780.00} with XXXX, as this account is the result of identity theft. This account was opened XXXX XXXX. I have no knowledge of this account. I have never entered into any agreement with the company listed & I did not authorize the use of my personal information in connection with this record. This information is inaccurate and does not belong to me. I am a victim of identity theft and have taken the appropriate steps to report this matter, including filing a report with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Center, LLC
State: CT

Complaint narrative:
Debt Dispute Statement Subject : Formal Dispute of Account # [ Insert Account Number ] To whom it may concern, I am writing to formally dispute the validity of the debt referenced above in the amount of {$310.00}. I am requesting that you cease all collection activity on this account until a thorough investigation into the billing accuracy is completed. The Basis of This Dispute The charges associated with this account are the result of a significant billing error by the original creditor. On XX/XX/year> I attended a pre-scheduled, routine appointment for a pre-existing condition. Despite this being a standard office visit, the provider incorrectly billed the service as an " Emergency Room Visit '' or " XXXX XXXX XXXX. '' Because the service was coded incorrectly : The insurance company denied or misapplied the claim based on a level of care that was never provided. I have already initiated a formal dispute with my insurance provider to rectify this miscoding. I take my financial obligations seriously, but I will not pay for premium emergency services that I did not receive. Please provide written verification that you have received this dispute and are investigating the matter with the original creditor. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

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 ) 1006.34, 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 30 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 2026-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I called Saturday XX/XX/XXXX multiple times. I requested to speak to someone in their account services dept and also asked for a manager. I politely requested my bank statements from XXXX as this account was closed some time ago, however my tax attorney needs these to substantiate my tax deductions for my business ( about $ XXXX ) in potential deductions. I was hung up on multiple times after they repeatedly told me my statements no longer exist, however they told me that they can see them, but can not send me copies because my email was removed from the acct at some point I explained my legal rights as a consumer and was hung up on still. I called back Monday XX/XX/XXXX. Again was told they do not have them and that there is no one to escalate this to. I need statements XXXX through whenever the account was closed and I currently have that old acct # as I still have bank statements from them. CHIME customer service agents were extremely rude, disrespectful and clearly are not aware of the rights of a financial consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I bought a camera with XXXX for {$630.00} paid through affirm and was given 35.97 % interest. I returned the item due to a defect with the camera and was still charged the full interest amount of the camera. I never paid one single payment on this camera because it was returned before the first payment was even due. I returned as soon as I realized there was an issue with it. I contacted them and they wouldnt disclose with me the date they said it was returned but the interest was a daily accruement. Very deceitful company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: WLCC
State: FL

Complaint narrative:
I'm a victim of identity theft and I'm permanently XXXX as well. Someone with my personal information applied for a loan in my name and it was approved and sent to my bank account with my knowledge. When I noticed the money was in my account at the time I didn't think to check and see where the new account balance came from. With my XXXX, I know I would never give noone consent to apply for anything or loans in my name at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
My daughter was gifted a {$100.00} Vanilla gift card. She just tried to use it yesterday and it didnt work. When we checked the balance on the website it said a purchase on XXXX XXXX shop for {$99.00} was pending so only XXXX cents was available. When we try to call or dispute the purchase we get auto hung up on and the site says the charge is pending so it doesnt show up to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
M & T Bank allowed an individual to create an online banking account using my husband 's SSN and Birth date. The individual proceeded to transfer {$5900.00} to a XXXX, XXXX account using the fraudulent M & T online account. My husband has never logged on to M & T online banking and did not and never has had an online account, so the M & T online account was not hacked. This individual had his SSN, birthday and M & T account number, in order to create the account and create the transfers. My husband nor I have a XXXX account. We disputed the transactions and M & T denied the dispute stating that the transactions were authorized. M & T provided the transaction data and the transactions that were fraudulently processed used a M & T routing number for the states of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The savings account was opened in XXXX and we live in XXXX the routing number for this transaction if authorized as stated by M & T would have been XXXX, further proof that these transactions were not performed by us and were fraudulently processed. While fighting the denial from M & T and after making several phone calls, we received yesterday XX/XX/year>, that M & T is closing the savings account and that they are not required to elaborate further on its reason for exiting such relationship with us. We were keeping this account opened in order to continue to fight the denial.

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 2026-03-24 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I called because I received a letter stating there was identity theft against the credit card I have with Indigo Mastercard and I told them I never claimed identity theft against this card. All they did was add a note stating I denied the claim against this card and they closed the card without telling me they closed it, I was told that there was a hold on it and it would be lifted in XXXX business days, and they issued a new credit card for this account which I noticed it was different when I checked my account in their app, and I called and was told that the credit card I have in my possession can not be used and they issued a new card but they said they can not send me the new card because of this so called identity theft claim. I do have an extended fraud alert on my credit reports due to previous identity theft from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
The main account holder my husband XXXX XXXX is actually very duty XXXX XXXX. The insurance was canceled with actives duty deployment orders to progressive on XXXX. There was a change in status of insured vehicles due to deployment vehicles were not in use and garaged. The orders were provided to progressive but no action was taken on behalf of the company. Since then the debt was sold to another company incorrectly due to the scra act for XXXX XXXX military.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, around noon, I attempted to deposit {$2400.00} in cash at a drive-through ATM located at a JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX During the transaction, the ATM rejected and returned XXXX {$100.00} bill. The ATM then accepted the remaining cash normally, completing the transaction with no error message. The final deposited amount was {$2300.00}, consisting of twenty-three ( XXXX ) {$100.00} bills. The {$2300.00} deposit never posted to my account. After I filed a claim, Chase issued provisional credit, which was later reversed, causing my account to go negative. I dispute Chases conclusion that no cash was deposited. I physically deposited the cash, and the ATM accepted the transaction. I am requesting written documentation of the investigation, including the ATM cash balancing report, reconciliation date and time, and confirmation of whether ATM camera footage was reviewed. I am requesting restoration of the {$2300.00} and reversal of all fees caused by this reversal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 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: MA

Complaint narrative:
I made a purchase never received my item original purchase date XX/XX/XXXX disputed transaction with XXXX on XX/XX/XXXX. Ive contacted XXXX every month. They keep telling me I have to wait but their company policy states 90 days or 50 days for the merchant to respond. I have waited that time now theyre telling me I have to wait another month even though their policy states otherwise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I am disputing a collection account reported by National Credit Systems. I requested validation pursuant to 15 USC 1692g. The company only provided an internal account statement and failed to provide a signed lease agreement bearing my signature, proof of legal assignment, or a complete itemized accounting of the alleged balance. Additionally, the balance reported is inconsistent with what is shown on my credit report, raising accuracy concerns under FCRA 1681e ( b ). As the debt remains unverified and inaccurately reported, I am requesting immediate deletion from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged over {$100.00} in returned payment fees on my Citi XXXX credit card due to payments being processed during very brief periods when my account balance temporarily dipped below the payment amount. In each case, the funds were available the same day, and this was a timing issue rather than a pattern of insufficient funds. I have contacted Citibank multiple times and was told to obtain a letter from my bank explaining the returned payments. My bank has stated they can not provide such a letter for momentary balance fluctuations. I am requesting a goodwill review and refund of these fees based on my account history and the nature of these transactions. I have taken steps to ensure this does not happen again. I would like Citibank to be fair in reviewing my situation and consider the timing related to these charges being so close to each other and the funds being available after re-running the payments.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime bank service received a large deposit in the account and disputes were filed from cancellation of transactions, only a few got resolved. The merchant of the transactions was XXXX which are suspected of illegal business practices of holding funds and not refunding them. The bank is holding my funds in a secure account not authorized by me and they have removed money that was owed from overdraft fees, which I still have a large amount of funds that have not been funded or credit back to my account. Chime bank is suspected of illegal practices of holding funds that are unreasonable even with overdrafts fee that have already been repaid through the secured account and holding extra funds that is owned to me. All overdraft fees have been paid and I have requested for the closure of the account which they have refused stating I owe a balance when the balance over XXXX dollars were paid weeks ago. Leaving a positive balance in the account and I have a right to close the account. I have evidence of the balance and what was paid and what they owe and trying to take funds that do not belong to them.

Company response to consumer: Closed with explanation