vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a Citi Bank - XXXX XXXX XXXX Credit Card, so l signed into my account to see the balance to come and find out when it said l had no credit available and l knew this was not correct. I called the customer service number asking why this is showing this way and they told me they closed my account and l asked why when l was always paying and in good standing and they could not explain this to me. They never send me any notice of any communications kind advising me they where taking this action. Also they have disabled in my account the option to send them a secure message with in the account so not sure why they limited my ways of communicatiXXXXng with them. I think this is in just. I ask you get a full explanation from them since they CAN NOT offer me XXXX on the issues l have brought up. Thank You 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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
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 CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Request for Debt Collection Efforts Dear XXXX XXXX XXXX I am writing to formally request that you cease all communication and further debt collection efforts regarding the alleged debt referenced in your previous correspondence. I understand that you claim I owe a debt, but I dispute this claim and request that you immediately stop contacting me regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you cease all collection activities. Therefore, I am exercising that right by requesting the following : 1.Cease all telephone calls, letters, emails, or other communications regarding the alleged debt. 2.Provide verification of the debt, including a detailed statement outlining the original creditor, the amount owed, and any supporting documentation to confirm that the debt is valid. If you continue to pursue this matter without providing the requested verification, or if you do not comply with this cease and desist request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies, including state regulators, and take any other legal actions available to me. Please note that this letter is a formal request under the FDCPA, and I expect compliance with my request immediately. Any further contact or collection efforts without verification will be considered a violation of my rights under XXXX XXXX XXXX law. Thank you for your immediate attention to this matter. Sincerely, [ XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX claimed to continue efforts to try and collect the debt and no efforts were made. I never recieved additional phone calls nor mail. They continue to charge interest as reported by XXXX. I need to see the original contract that allows for it and to confirm that the interest accrual was authorized by the original agreement or state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XX/XX/year> check sent from accounts payable from XXXX to lien holder for vehicle repairs. Their reply is nobody has any information and this has caused disruption of services to the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
AFTER BEING CAPITAL ONE CUSTOMER FOR MORE THAN 20 YEARS, I WAS INVITED TO APPLY FIR A PRE-APPROVED SAVOR CREDIT CARD. THE XXXX WAS GRANTED WITH XXXX CREDIT LIMIT. WHEN TRYING TO ACTIVATE THE CARD, I WAS TURNED DOWN AND SWITCHED TO THE FRAUD DEPT. HERE IS WHERE XXXX BROKE. THEY WANTED TO KNOW IF I I HAD APPLIED FOR THE CARD, INFORMATION THAT THEY ALREADY HAVE. I TOLD THEM YES IT WAS ME APPLYING FIR THE CARD. NOW AFTER QUESTIONING ME ON ALL KIND OF NONSENSE QUESTIONS, THEY SAID THEY NEEDED TO VERIFY MY IDENTITY AGAIN. ALL OF A SUDDEN THE NUMBERS THAT I HAD ON MY PROFILE, AND THAT I HAD USED ALWAYS TO ACTIVATE MY OTHER 3 CAPITAL ONE XXXX WERE NOT GOOD NO MORE!!! THEY REQUESTED DOCUMENTS TO BE SENT LIKE STATE ID OR FEDERAL DOCUMENT, WHICH I DID. THEY SAID MY US PASSPORT WAS NIT ACCEPTED!! MY XXXX DL WAS EXPIRED, BECAUSE I DO N'T DRIVE NO MORE!! FINALLY I GOT TIRED AND GAVE UP AFTER DO MANY TRIES AND INTERROGATIONS!! MAKING ME FEEL LIKE A CRIMINAL!! I GOT TIRED AND GAVE UP, AND FORGOT ABOUT THAT SAVOR CREDIT CARD. IT WAS CANCELLED. THIS HAPPENED LIKE A YEAR AGO. 2 OR 3 MONTHS AGO ONCE AGAIN. ANOTHER SAVOR WAS GRANTED, I TRIED TO ACTIVATE, AND THEY STARTED THE SAME AGGRIVATING, HUMILIATING, overzealous, STUPID NONSENSE ACTIVATION PROCESS AGAIN! I DIDN'T WANT TO GO THROUGH ALL THAT AGAIN. I DIDN'T TRY TO ACTIVATE THAT CARD NO MORE. ONE MONTH AGO I GOT A LETTER IN THE MAIL SAYING THAT I HAD 45 DAYS TO CALL AND I ACTIVATE THE CARD. I DID CALL, AND FOR SOME REASON, THIS TIME THEY TEXT ME A CODE TO MY PRIOR REJECTED CEL NUMBERS THE CARD.GIT ACTIVATED NO PROBLEM!! THREE DAYS AGO I TRIED TO MAKE A PURCHASE FOR XXXX DOLLARS ON LINE. I WAS TURN DOWN, AND FOR SOME WEIRD AND UNKNOWN REASON THEY PUT THE CARD ON RESTRICTION AGAIN. I CALLED XXXX XXXX TO ASK ABOUT THAT RESTRICTION. THEY DIDN'T WANT TO TELL ME THE REASON WHY!! NOW THEY WANTED ME TO SEND ALL KIND OF DOCUMENTS, XXXX XXXX THIS ALL OVER AGAIN LIKE IT WAS A BRAND NEW CARD ONCE AGAIN AFTER BEING ACTIVATED AND READY TO USE FEW DAYS AGO. I GAVE UP AND MORE THAN LIKELY THE XXXX WILL BE CANCELLED AGAIN!! IT IS AGGRIVATING AND RIDICULOUS THE WAY THEY TREAT OLD TIME CUSTOMERS HAVING 3 MORE CREDIT CARDS WITH THEM AND A BANK ACCOUNT. Do NOT UNDERSTAND THEIR NONSENSE SECURITY procedures. Everybody IN THAT COMPANY IS UNDERTRAINED. THEY DON'T KNOW WHAT THEY ARE DOING. NIT TO MENTION CUSTOMER SERVICE REPS THAT CAN'T TALK PROPER ENGLISH AND MISUNDERSTAND EVERYTHING MAKING THE WHOLE PROCESS MUCH HARDER THEY NEED TO STOP THIS PRACTICES

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: WV

Complaint narrative:
We received a letter from the mortgage company stating that XXXX insurance is required for our property. I sent them a copy of the XXXX determination document that we signed stating XXXX insurance is not required. They will not accept that. Now I have to go through XXXX who is requesting an elevation form as well as a copy of the recorded deed. I sent them the deed but the elevation report can be costly and I dont think we should have to pay more money for something that has already been determined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION

Complaint narrative:
My name is XXXX XXXX. I am writing regarding a devastating scam that resulted in a loss of {$27000.00} from our accounts. On Monday, XX/XX/XXXX, my XXXX husband received a text message from someone claiming to represent XXXX XXXX XXXX. He was told that {$670.00} had been fraudulently charged to our account and that the caller would help recover the funds. Believing this to be legitimate, my husband allowed the individual remote access to our computer. The scam escalated quickly. The caller falsely claimed that funds had been mistakenly deposited into our account and instructed my husband to go to the M & T Bank branch in downtown XXXX ( not our usual branch ). Over the course of approximately four hours, my husband remained on the phone with the scammer and, believing he was correcting an error and protecting our account, initiated a wire transfer of {$27000.00}. While I was at work in XXXX XXXX, I received a real-time M & T alert that {$27000.00} had been transferred from our savings to our checking account. I immediately attempted to reach my husband but was unable to do so. As soon as I saw the large withdrawal, I contacted XXXX XXXX at the XXXX XXXX branch in XXXX in a state of panic. Rather than freezing our accounts immediately, I was told we would need to come into the branch to file a fraud report. I am struggling to understand two things : Given my husbands age ( XXXX ) and the unusually large transaction occurring under these circumstances, does the bank have any responsibility to ask additional questions or implement heightened safeguards before processing such a transfer? If customers receive real-time fraud alerts for large transactions, why is there no immediate mechanism to freeze or halt a transaction in progress, particularly when a customer calls right away reporting suspected fraud? Being instructed to come into a branch rather than having accounts frozen immediately does not seem consistent with sound fraud-prevention practices. We are devastated by this loss and are trying to understand what options may be available for financial recovery. Any review of this matter, clarification of bank policy, or assistance you can provide would be sincerely appreciated. Thank you for your time and consideration. Sincerely, XXXX XXXX ( on behalf of my husband, XXXX 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 2026-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/year>, I was induced by an online merchant to send two XXXX payments totaling {$630.00} ( {$510.00} and {$120.00} ). The seller represented themselves as a legitimate business selling goods. They provided payment instructions, requested a screenshot for confirmation, and later falsely stated that the payment was under review. No goods were delivered. I reported the transactions to XXXX immediately on the same day and filed a fraud dispute ( Case XXXX ). On XX/XX/year>, XXXX issued a denial letter stating that no error occurred because I initiated the transactions. However, the transactions were induced by deception and misrepresentation. I would not have sent the funds had I known the merchant was not legitimate. XXXX did not provide documentation of the investigation, the evidence relied upon, or details explaining how they determined that no error occurred. I am requesting reconsideration of this claim under Regulation E protections for electronic fund transfers, documentation of the investigation relied upon, and reimbursement of the {$630.00} loss due to fraud by deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am submitting this complaint regarding improper debt collection and enforcement actions taken by Navy Federal Credit Union and its collection counsel, XXXX XXXX XXXX, XXXX. A default judgment was entered in this matter ; however, I have formally challenged the creditors standing and authority to enforce the alleged debt. On XX/XX/year>, I filed a court pleading requiring strict proof of standing, ownership, and authority to collect. A hearing on this issue is currently scheduled for XX/XX/year>XXXX in the Circuit Court of XXXX XXXX XXXX, Illinois. Despite the fact that standing is actively disputed and has not yet been adjudicated, the creditor and its counsel initiated wage garnishment proceedings, resulting in funds being withheld from my paycheck in the amount of {$380.00}. The creditor has not produced admissible evidence demonstrating : A valid contract bearing my signature A complete chain of title or assignment Proof of lawful authority to enforce the debt Proceeding with wage garnishment while the creditors standing remains unresolved places consumers at risk of irreparable financial harm and undermines fundamental due-process protections. Enforcement actions should not continue where the creditors legal right to collect is being actively contested before the court.

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 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
I received a letter XXXX in the mail to my address that I owed a 3rd party debt collector ( AFNI ) {$10000.00} on behalf of XXXX Insurance for a loss they sustained on an incident that happened XX/XX/XXXX. After calling XXXX, they stated there was an incident in Minnesota and the policy holder 's dog died and an insurance claim was made for the dog. I haven't been to MN in over 10 years and have never owned a dog. I never made the claim. They stated it was a different policy holder by the name of XXXX XXXX and someone at XXXX incorrectly associated my current address to the claim. I asked them to correct the issue, but they said to contact AFNI for resolution. I contacted AFNI and let them know this is not my debt on XX/XX/XXXX. They stated they were changing the associated address and I would not be contacted anymore. I received a new AFNI collection letter dated XX/XX/XXXX again requesting payment for the debt that does not belong to me. At this point, I sent a certified letter to AFNI stating the debt is not mine, I am the wrong person and to not contact me again for the collection. This was received and signed for at the company on XX/XX/XXXX. I received a further collection letter dated XX/XX/XXXX from AFNI requesting payment. I called the company again on XX/XX/XXXX, but was basically told there was nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Skopos Financial, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, I downloaded my credit reports and found accounts maintained under my XXXX, in my credit reports. Upon further research, I found I don't recognize those accounts, so I want you to verify them. Also, there was no written form of communication, contract, or signature for those accounts. Please provide me with : Send me all statements for those accounts with dates and amounts past due balances. Show me the address where they have mailed credit cards. Provide me with copies of any papers that show my signature for those accounts. The accounts are : REPRISE. Opened XX/XX/XXXX ; XXXX. Opened XXXX XXXX, XXXX ; XXXX OF XXXX. Opened XXXX XXXX, XXXX ; XXXX XXXX Opened XXXX XXXX, XXXX ; XXXX XXXX Opened XXXX. XXXX, XXXX ; XXXX XXXX Opened XXXX. XXXX, XXXX ; XXXX Opened XXXX XXXX, XXXX ; XXXX. Opened XXXX XXXX, XXXX ; XXXX XXXX XXXX. Opened XX/XX/XXXX XXXX XXXX XXXX.Opened XXXX. XXXX, XXXX R A XXXX, XXXX XXXX. 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 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
XX/XX/year>XXXX {$520.00} Reported as collection by XXXX XXXX XXXX from an old XXXX XXXX debt passed 7 years ago. Please remove and advise this company that it passed the statute of limitation on debt collection on this account.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: MoneyLion Inc.
State: TX

Complaint narrative:
{$730.00} loan but only allows request of {$100.00} at a time along with a fee of XXXX XXXX {$8.00} for each request. Also asks for a tip from each request

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 2026-02-19 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: DISCOVER BANK
State: FL

Complaint narrative:
Theres different unauthorized charges made into my account between XX/XX/XXXX and XX/XX/XXXX almost XXXX different charges for {$25.00} up to {$100.00} totaling {$740.00} and my bank didnt want to help requesting nonsenses proof for what happened, caused me lost that money and been unrecoverable

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received an alert on my credit report from a collection agency called XXXX XXXX. The collection is from a XXXX account which was opened in XXXX of XXXX. I did not open an account, nor have I ever had an account with XXXX. I believe it so unfair for these collection agencies to try and collect on fraudulent debts for a profit. I also reached out to the attorney general about this company. I have also submitted a report with FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
On XX/XX/year> I got paid from XXXX XXXX XXXX when I went to log in everything was fine, I logged in a few hours later and my account was completely logged out I tried to log back in but it said I dont exist I ask my girlfriend to look at my Cash App username and it was completely changed Email, phone number was taken off the account XXXX dollars were transferred to XXXX I was told on XX/XX/year> that it would take XXXX days to investigate and refund the money it has now been XXXX days and every time I call I get the same answer wait 10 days and check your email

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy federal charged my account for several fees and over draft fees that cause my account to close down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Upon being contacted by debt collection agency for this alleged account, I filed identity theft and request of proper documentation for proof of ownership. Not being able to provide correct and accurate documentation ( along wrong phone numbers and address on file ) it was deemed fraudulent and removed from my account. As Victorias Secret being the original creditor it also needs to be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: Self Financial Inc.
State: IL

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