vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I called Capital One Customer Service to request a one sentence " custom letter '' stating that " Capital One Bank has no record of the IRS attempting to withdraw funds from my savings account on XX/XX/XXXX ''. I was told it would take XXXX weeks to receive the letter via US Mail or XXXX week via email. On XX/XX/XXXX I called a second time and XXXX told me that it takes 10 to 15 business days to receive a custom letter. On XX/XX/XXXX, I called a third time and was told by XXXX that it takes 30 days to receive a custom letter and that a response is not due until XX/XX/XXXX. On XX/XX/XXXX, I call a fourth time and XXXX told me that all he can do is submit a ticket requesting a response to my original request. XX/XX/XXXX - XXXX submitted original request case # XXXX XXXX XXXX submitted case XXXX XXXX to request an expedited request XX/XX/XXXX - XXXX refused to do anything to help me XX/XX/XXXX - XXXX submitted case # XXXX XXXX request a response and assured me that I would receive a response within 3 business days which would have been XX/XX/XXXX. As of XX/XX/XXXX, still no response after 4 phone calls to customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
Contacted XXXX XXXX via there live chat agent and called to have my account closed. I was advised XX/XX/XXXX my account could not be found, and I was advised to go to the store to find the account and have it canceled. I originally went to a store on XX/XX/XXXX and returned my equipment. I have since called XXXX separate times and spoke with XXXX separate agents who told me my account has been cancelled. The first XXXX stated I disconnected the call before they could finish cancellation even though i waited until they said they did not need anything else from me. The third especially even said I would get refunded and my cancellation date would be predated to the first attempt I called and I would be refunded. I now have been notified that my account went to collections with no call or other contact to dispute the fact that I already had cancelled this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: NY

Complaint narrative:
I am filing a complaint regarding Citibanks handling of a billing dispute for merchandise I did not receive. I purchased merchandise from XXXX totaling {$1200.00}. The merchant claims the package was delivered, but the only evidence provided is a photograph of the package left unattended in the lobby of my apartment building, a shared public space accessible to anyone. There was no signature confirmation, no hand-off to me, and no proof that I personally received the merchandise. Citibank initially issued a provisional credit while investigating. After the merchant submitted the lobby photo, Citibank reversed the credit and held me responsible for the charge, treating delivery to a building lobby as equivalent to delivery to me. I dispute this determination. Delivery to a shared lobby without signature or confirmation does not establish receipt by the cardholder. I never took possession of the merchandise and did not authorize or consent to an unsecured delivery method for high-value goods. The merchant chose to ship the package without requiring a signature and therefore assumed the risk of loss prior to receipt. Citibank has advised me to resolve this directly with the merchant ; however, XXXX has refused to refund me. As a result, I am being forced to pay for merchandise I never received. I believe Citibanks decision is inconsistent with fair dispute-resolution standards and improperly shifts the merchants delivery risk to the consumer without proof of receipt.

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 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: N.A.R., Inc.
State: OK

Complaint narrative:
In 2023, I voluntarily surrendered a vehicle financed through XXXX XXXX XXXX XXXX. The account was later sent to XXXX XXXX XXXX. In order to qualify for a mortgage, I entered into a repayment agreement directly with XXXX XXXX XXXX XXXX and have been making payments as agreed. However, XXXX XXXX XXXX continues to report the account on my credit report. I requested written confirmation that the collection account was recalled and correction of inaccurate reporting, but this has not been resolved. This appears to be duplicate or inaccurate credit reporting and is negatively affecting my credit profile. I am requesting correction of the reporting and confirmation that the collection account has been properly recalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NRA Group, LLC
State: MD

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX, I received a forwarded text message from a family member showing that this debt collector had contacted them about an alleged debt in my name. The text included private account information, including an alleged balance of {$660.00} and a date listed as XX/XX/XXXX, as well as account-related details. My family member is not a co-signer, joint account holder, attorney, or otherwise authorized to receive information about this account. I was not aware of this alleged debt before this happened. After receiving the forwarded text, I called the company to request written proof/validation of the alleged debt and to request that all future communication be sent to me by U.S. mail only. During my first call, the representative ended the call before I was able to fully state that I did not want calls, texts, or other electronic communications and wanted communication by mail only. Because of that, I had to call a second time to speak with another representative. During the second call on XX/XX/XXXX, I again requested written proof of the alleged debt by U.S. mail only and requested that the company not contact me by phone, text, or other electronic methods. The second representative confirmed that future communication would be by U.S. mail only and told me it would take XXXX to XXXX weeks for me to receive proof of the debt. My complaint is that the company disclosed details of my alleged debt to a XXXX party by text message, including the balance and account information, before providing written proof of the debt directly to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Hi! This complaint is against XXXX XXXX and Credit Collection Servcies ( CCS ), a debt collector. I had an auto insurance with XXXX XXXX. Some time in XXXX, I decided to cancel and move to another company. Prior to cancelling, I called XXXX XXXX Help Desk ( on XX/XX/year> ) to specifically verify whether there would be any penalties due should I cancel my policy. The agent answered there would not be. The agent went ahead to say that when I cancel, the bill on my account is XXXX. Based on this information, I went ahead to cancel. About a month later, CCS sent me a notice to collect a debt of {$160.00}. I have formally disputed the debt and submitted some documents they are asking for. They have refused to give me a timeline for when they are likely to report to the credit rating agencies and are not providing clarity as to whether they would go ahead and report it regardless of whether the debt is under dispute or not. On the part of XXXX XXXX they only told me they are sorry but I have to go ahead and pay because it is in my policy. My response to them is that their help desk is there to provide clarity on issues and areas around policies that their clients do not fully understand. The information I acted on, given by their legal representative should be binding on them and I should not bear the brunt for it. I had one of their managers call me on Saturday XX/XX/year> to apologize but they are still insisting that I have to pay. PS : I only selected the FREQUENT CALLS TAG while feeling the form because I had to select an option. My complaint has absolutely nothing to do with frequent calls. Thank You!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 debrts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I was called by Sofi dispute security and I was told to take a selfie I told the guy I need to get my son to help me with the link I dont know how to make it Work. And I tried to explain that to security team his name is XXXX he said try to do it today so I can close The case. I went to my sons home for Him to help me because I had talked to him in the morning he said he has work. He came around XXXX which was after couple of hours when the security team had send me the link. He came we tried couple of times shows the link is expired. I thought its been solved or something i didnt call him back anymore because my son came to visit me. And he visits me not that often. So I sat down to talk to him I forgot about the issue. Than I see in my email says I owe a balance to Sofi for a fraud that happened on my card about XXXX dollars which my card was used without my knowledge and it was used outside of the country which I have never went. Please help me solve this problem I am XXXX and I am a XXXX XXXX and I feel like they want to leave a charge on me which is fraud. Please help me solve this problem I have tried to call the company 3-4x they keep referring me to call XXXX guy . I called me more than 20x leaving a message but he seems to not care to call me back I am XXXX XXXX XXXX what he is asking me to do is hard like I said I am XXXX and XXXX XXXX it takes me time to do things I am not computer person I try very hard but. Please help me protect me help me solve this problem this company put me into. My cell phone number changed I dont know how to update for you to see XXXX please call me with any updates there. And please leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: VA

Complaint narrative:
US Bank visa web platform does not provide any means by which to close account. No customer service available by phone to close account. This violates federal law. This account is to be closed!

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 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XXXX XXXX, I got an email notifying me that I am now eligible for my XXXX upgrade via my Citizens Bank loan program so I went to the XXXX XXXX in XXXX, XXXX, where I was living on that date, but they knew nothing about the loan program. I contacted XXXX that day. They told me I need to work with Citizens to sort it out first. When I called Citizens Bank, after waiting on hold and racking up international phone charges, the call " disconnected. '' Rather than waste more money, I reached out via XXXX. Someone named " XXXX '' assured me I would be contacted. I was, via the only email I have ever used regarding this loan, from someone named XXXX. I asked him what he needs from me for verification and that I would be happy to do so, even via XXXX ( so I don't have to waste more money on international calls ), and he did not respond. I sent another email. No response. A third email. Still no response. Well now I have to get in touch with someone because I got a fraud alert on the card they were charging as part of the loan program, forcing me to cancel it. But again, I don't want to waste money on international calls so I'd like to confirm via email what documents are needed. I do not understand why they are being so intransigent about this. I have my Florida driver 's license as well as my passport, as well as other forms of ID that I am more than happy to share with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I got a random notification about my account being restricted and when I called not even XXXX mins after the notification, I am told my account is closed and its final but they can not tell me why. They told me a review was done but what review? I dont have fraudulent transactions, Ive never been restricted, and all my work and school income goes there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: MA

Complaint narrative:
Hello CFPB team, On XXXX XXXX XXXX, I initiated an international remittance transfer through Abound for USD XXXX to my motherinlaw, XXXX XXXX XXXX, to her XXXX XXXX XXXX XXXX ( XXXX ) savings account ending * * XXXX. At the time of the transaction, Abound indicated the transfer would be delivered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the funds have not been delivered to the recipient and have not been refunded to me. Because Abound does not provide a customer service phone number, I have repeatedly contacted them through their mobile app support and email. Despite my timely responses and providing the information requested, Abound has continued to request additional and new information about the recipient, extending the delay without resolution. More than a month has passed since the promised delivery date, yet Abound has neither completed the transfer nor returned my money. This has caused significant financial hardship and stress for my family, as the recipient was expecting these funds for urgent needs. I believe Abounds handling of this remittance transfer has been unreasonable and lacks adequate customer support and timely resolution.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I RECIEVE MY TAX REFUND FROM THE IRS AND I DEPOSIT IN TO MY ACCOUNT AFTER THE LET ME USED AND THEN THE PUT HOLD ON MY ACCOUNT ANT THE WANT LET ME USSED MY ACCOUNT AND THE WANT GIVE ME ANY INFORMATION AND WANT LET ME USUED MY FUND IT HAS BEEN OVER YEAR AND I CANT GET ANYWHERE WITH BANK

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

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 cre ditor. 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 2026-03-03 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: MI

Complaint narrative:
On XX/XX/2026, my wife received a fraud alert from Bank of America regarding an out-of-state transaction on her credit card. She responded No, indicating she did not authorize the charge. Shortly after, she received a phone call from someone identifying themselves as Bank of Americas fraud department. The caller referenced her recent legitimate transactions, which made the call appear authentic. During the call, the representative asked whether she wanted the card frozen and a new card issued overnight. She agreed. At all times, she believed she was speaking directly with Bank of America regarding fraud protection. Unbeknownst to her, the caller was an impersonator. During this interaction, a {$6400.00} cash advance was processed on her credit card and transferred to XXXX XXXX, a bank associated with XXXX XXXX. She did not request, intend, or knowingly authorize a {$6400.00} cash advance. She was deceived into believing she was preventing fraud, not authorizing a large withdrawal. We immediately disputed the transaction. However, Bank of America denied the claim, stating that because the transaction was authorized, they would not reimburse the loss. This determination fails to recognize that the transaction was induced through fraud and impersonation. Under the Electronic Fund Transfer Act and applicable consumer protection regulations, transactions induced through deception and impersonation should not be treated as valid authorizations. My wife did not knowingly consent to a cash advance. The fraud occurred because of criminal impersonation and a failure in fraud detection safeguards. We are requesting that Bank of America reconsider this determination, conduct a proper investigation, and credit the {$6400.00} fraudulent cash advance to the 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 monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2026-03-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing the following accounts and inquiries as they are inaccurate or unverifiable. These accounts should either be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} Inquiries : XXXX XXXX Auto Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date XXXX XX/XX/XXXX XXXX Date : XX/XX/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