vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 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: FL

Complaint narrative:
I disputed a credit card charge of {$3300.00} related to a travel package purchased from an international merchant ( XXXX XXXX XXXX XXXX XXXX XXXX ) for services that were not provided as advertised and that involved unsafe conditions. 

I submitted extensive evidence demonstrating material misrepresentation, failure to deliver the contracted services, and safety issues. After my initial dispute was denied, I contacted Citibank on XX/XX/XXXX and requested a managerial review and that the dispute be reopened. Citibank informed me that the dispute would be reopened due to their failure to process the claim under the correct dispute category. 

Despite this, on XX/XX/XXXX, Citibank issued another denial letter stating only that services were provided, without acknowledging their prior error, their commitment to reopen the case, or the need to evaluate the dispute under the correct category. The denial does not address the evidence submitted, does not explain how unsafe and non-conforming services satisfy the contracted offer, and does not explain how Citibank applied the protections of my cardholder agreement in reaching its decision. 

This response does not reflect a reasonable or meaningful investigation as required under the Fair Credit Billing Act and Regulation Z. 

I am requesting that Citibank conduct a proper investigation of this billing error, fully review all submitted evidence, and correct the charge if found to be improper.

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 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I submitted a buyback application in XX/XX/year> after following the steps to ensure I am eligible. Its been over the XXXX business day period. I am in severe financial distress and this delay will have impact on me for decades and immediately impact my family.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2026, at approximately XXXXXXXX XXXX XXXXXXXX, I attempted to log into my Chase online banking account and received an error message indicating my account had been locked due to " multiple failed login attempts. '' I immediately called Chase customer service at their international line ( XXXX ) to resolve this issue. During the call, I : - Verified my identity completely, answering all security questions correctly- Confirmed that every login attempt flagged as " suspicious '' was made by me personally - Explained that I am a XXXX XXXX  currently living alone in XXXX, XXXX, and I require access to my account for rent, tuition, and essential expenses - Requested immediate restoration of my online banking access given that my identity had been verified and there was no actual fraud Chase 's response was that despite my verified identity, my account would remain locked for a mandatory " fraud review '' lasting XXXX hours, with no option to expedite the process. The representative stated that even though I confirmed all activity was legitimate, the back-office fraud team must complete their review before access could be restored. 

This creates a severe hardship for me : I am an XXXX XXXX with no alternative banking access or working credit cards. Being locked out of my account for XXXX hours leaves me unable to digitally access funds for housing, food, or emergencies while living abroad without family nearby. 

I verified my identity. I confirmed the activity was mine. There is no actual fraud occurring. Yet Chase 's inflexible policy is denying a legitimate customer access to their own funds during a time-sensitive period, creating material financial hardship. 

I am requesting that Chase immediately restore my online banking access, given that the customer identity verification processwhich is the entire purpose of this security holdhas already been completed and confirmed. My physical debit card remains functional, which confirms your system already recognizes me as the legitimate account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I received an offer for a credit card promotion from citi bank in the mail that offered 24months interest free for purchases and 24 months interest free for balance transfers. I applied got the credit card approved. When I got the card and the information in then mail around 10 day later it was not the same offer I received in the mail.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX  XXXX XXXX XXXX and TransUnion LLC for their failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair and Accurate Credit Transactions Act ( FACTA ). 

In XXXX, I discovered that an unauthorized collections account and a XXXX  XXXX credit card account ( opened XX/XX/XXXX ) were fraudulently opened in my name without my knowledge or consent and a ( XXXX XXXX ) collections account was added on my file which i have no knowledge of, I am a victim of identity theft and did not authorize these accounts. 

XXXX  investigated my dispute and removed the XXXX XXXX account, confirming that the information was inaccurate and could not be verified. However, XXXX  and XXXX  have refused to delete the same account, despite being provided with documentation and dispute requests. Their continued reporting of this inaccurate and fraudulent information is damaging my credit and causing financial harm. 

Equifax and TransUnion are violating : FCRA 611 ( 15 U.S.C. 1681i ) by failing to conduct a reasonable investigation and failing to delete unverifiable information.

FCRA 607 ( 15 U.S.C. 1681e ( b ) ) by failing to maintain maximum possible accuracy of my credit file. 
FACTA identity theft protections, which require credit bureaus to block fraudulent information once identity theft is reported. 

Additionally, XXXX has previously suffered a major data breach, which raises serious concerns about the accuracy and security of consumer data they maintain.

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 2026-01-26 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: Westcreek Financial
State: FL

Complaint narrative:
I was supposed to pay off XXXX and got added a XXXX fee without any knowledge by Koalafi.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
XX/XX/XXXX XXXX process to sell our home. 
Initial date for closing was set for XX/XX/XXXX. 
Received XXXX mail that there was a discrepancy with the legal description on the property. 
Faxed corrections to legal description to Wells Fargo Written Correspondence on XXXX and XXXX. 
XXXX response from Wells Fargo to title company XXXX days to resolve issue. 
XXXX called XXXX at Wells Fargo, filed complaint for escalation of issue. 
XX/XX/XXXX called XXXX at Wells Fargo and was told that issue had gone from Written Correspondence to the XXXX XXXX XXXX to the XXXX XXXX XXXX to the XXXX XXXX XXXX XXXX. XXXX filed another complaint for escalation of the issue she said would trigger a phone call from upper management. We did not receive a phone call. 
XX/XX/XXXX sent XXXX mail to Wells Fargo Board of Directors after XXXX phone calls to Wells Fargo to attempt to resolve issue. 
XX/XX/XXXX received letter from Wells Fargo stating we would be notified XX/XX/XXXX of a completion date. 
XX/XX/XXXX called Wells Fargo who advised issue had been escalated to the XXXX XXXX XXXX who said they needed XXXX days from the day they received our information which would be XX/XX/XXXX. 
XX/XX/XXXX called Wells Fargo and was sent to voicemail. 
XX/XX/XXXX called Wells Fargo stated their was no update. 
XX/XX/XXXX received letter from Wells Fargo stating that they would need until XX/XX/XXXX to complete work on our issue. 

This home is in the closing process and all we need is for the legal description to be corrected. It was incorrectly done on a partial release of mortgage from XXXX from Wells Fargo. This is their issue to fix and they are not fixing it in a timely 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 explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Identity Theft Victim Notification Request for Action Under 15 U.S. Code 1681c2 To Whom It May Concern, I am contacting you to formally notify you that I am a victim of identity theft. Fraudulent accounts and/or transactions have been made using my personal information without my knowledge or consent. I did not authorize these actions and they do not reflect my financial activity or responsibility. Pursuant to 15 U.S. Code 1681c2, also known as Section 605B of the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to request that all information resulting from this identity theft be blocked from my credit file. This section mandates that a consumer reporting agency must block any information resulting from identity theft within four ( 4 ) business days of receiving : 1. Proof of the consumers identity, 2. A copy of an Identity Theft Report ( such as one filed with the FTC or a police report ), 3. The identification of the fraudulent information, and 4. A statement from the consumer that the information is not related to any transaction they made. I have enclosed/attached the following documentation to satisfy these legal requirements : A copy of my government-issued ID ( proof of identity ), A copy of the Identity Theft Report I filed at [ IdentityTheft.gov / or with law enforcement ], A list of fraudulent items to be blocked or removed, A sworn statement that these items were the result of identity theft and not transactions made or authorized by me. I also request that a fraud alert or extended fraud alert be placed on my credit file and that you send me a free copy of my updated credit report once the fraudulent information has been removed or blocked. Please take this matter seriously. Non-compliance with 15 USC 1681c2 may constitute a violation of federal law, and I am prepared to take further legal action if necessary. Thank you for your immediate attention to this matter. Please confirm in writing once the requested actions have been completed. 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 2026-01-26 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast Federal Credit Union is blatantly disregarding the fruad epidemic currently taking place within there institutions and the document im sending over is irrefutable proof they are not properly handling the fruad and scams taking place. They refuse to take responsibility and admitt accountability on there part. In the document it states my entire identity was stolen from a XXXX party marketing firm. I demand to know why my personal banking info was sold/shared with a XXXX party vendor. There has to be a law against this. It also its my responsibility to further protect myself by signing up for a credit protection? That in no way is my responsibility! I have repeadtly put in complaints against this bank. I currently have XXXX open investigatations through this agency with XXXX actions being implemented by both institutions. The bank and the CFPB. My accounts have been hacked several times this year. I cant even pay my taxes properly this year becuase iv had to cnacel and restart my accounts so many times last year we cant even get all my account records for the IRS. Iv lost weeks of worsk having to go into banks to try find all my account records. Im broke and my mental health is teetering on edge and my lively hood is hanging in the balance becuase of this banks negligence. Im so nervous, XXXX  and scared for my identity and lively hood! Iv had to make an appointment with my XXXX  and a XXXX to try calm me down. I couldnt even go to work today I was so scared. Read the letter! Its says they have my address! These people could be XXXX XXXX XXXX members.This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bizcorp, LLC
State: AR

Complaint narrative:
I received an email from a young lady named XXXX XXXX, office administrator with XXXX XXXX XXXX XXXX XXXX. The email stated that I opened a debt with XXXX XXXX that after fees and interest, has a balance due of {$1300.00}. I spoke with XXXX XXXX and was advised that particular company was a parent company for several different payday lenders, she didn't have the exact company 's name, that it would have been done online and the transaction date they have on file was XX/XX/XXXX. She also stated the original amount was {$500.00} and the checking account used for repayment is XXXX that I hadn't used since XXXX, which was verified by my bank. I asked XXXX XXXX what account was used to receive the funds, she stated that in order to get that information, the attorney handling the case would have to file a Motion for XXXX and would charge me {$3000.00} for it. XXXX XXXX stated that she was authorized to accept an arrangement in the amount of {$950.00}, and I had until XXXX XXXX to make a decision on how I would like to proceed. I have verified that no one in my family took out the loan, nor did I give permission for anyone to do so.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX bank and its subsidiary " Dividend Bank '' knowingly let " XXXX XXXX '' lend money for the instillation of solar panels on private residential homes. The officers of XXXX solar knowingly falsified documents, to fast track the instillation process, before they filed bankruptcy, moved and restarted the company under a new name. The solar panels never worked as the claims made by XXXX XXXX. Now i have equipment on my roof, panels that don't work, and a loan i still have to make good on. XXXX XXXX doesn't have to keep up their end of the contract, but i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
I received a letter from Cedars business services on XX/XX/year>. It says that I received a product or service from XXXX and I owe them money for an outstanding payment. I called XXXX and they will not talk to me since its been turned over to Cedars. Cedar says they dont know what this is for. they cant see the information. But they gave me an order number that was from a year and a half ago. I looked up the item and told them that that order was canceled. When XXXX did not refund me for the canceled money, I disputed it on my credit card and my dispute was honored. XXXX is now saying that I owe them this money which is the amount of {$260.00}. Cedar business services told me they are going back to XXXX to check on this. This was over a month ago. I followed up with them and they still have no new information for me and are saying that I owe this money that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I am writing to dispute inaccurate and incomplete credit reporting by Uplift/XXXX XXXX  regarding an installment account reported on my credit file.

This account is being reported inconsistently and inaccurately across credit bureaus. The high balance reported differs between XXXX  ( {$560.00} ) and XXXX XXXX {$610.00} ), which is a material factual discrepancy. A furnisher is required under the Fair Credit Reporting Act to ensure information is complete and accurate across all consumer reporting agencies. 
Additionally, the account is reported as closed while still reflecting a balance, with no past-due amount listed and no clear accounting of how the balance is being reported post charge-off. The payment status is also ambiguously listed as Collection or Charge-Off without identifying any collection agency, which is misleading and inaccurate.

The account comments further conflict between credit bureaus, describing different charge-off treatments for the same account. This inconsistent reporting indicates a failure to maintain reasonable procedures to ensure maximum possible accuracy.

I do not recall receiving proper billing statements, a complete delinquency timeline, or notice prior to charge-off. There is also no documented payment history or late payment breakdown shown on my credit report to support the reported status. 
I am requesting that Uplift/XXXXXXXX XXXX either : Provide full documentation substantiating the accuracy of this account, including billing statements, notice of default, and a complete payment history, or Delete this account from my credit report if such documentation can not be produced.

Please investigate this matter and correct or remove the inaccurate information as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
Issues started when I was in my final trial payment for a loan modification with XXXX XX/XX/2025, they moved my loan company to Mr. Cooper and made my final trial payment in XXXX. I received my first statement from Mr. Cooper XX/XX/XXXX, shows I had no payment until XXXX the XXXX and payment amount of {$940.00}, I called and confirmed with them that amount and was told not to make a payment until XXXX while the loan modification was being processed. I received a letter in the mail in XXXX showing I was going I to default when I was told I had no payment until XXXX by a mail statement and verification over the phone with customer care. They refused to fix the issues and I have never received call backs from the escalation department, I tried multiple times to make a payment arrangement, which then they told me I owed {$19000.00}. And told me they couldn't fix it which i have statements showing otherwise, they now have my loan in foreclosure because they aren't returning any of my calls, i added an insurance check to resolve my past due amount they have it and aren't applying the funds to my past due issue that they have created and refuse to fix.

Company response to consumer: Closed with explanation