vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My checking account is frozen for unkown reasons. I have been having issues with my acocunt from the time of account opening in XX/XX/year>. I received a direct deposit of XXXX in XXXX on 2 separate occasions. I wrote a check to my daughter, XXXX XXXX after I received that money. Each check was also XXXX. In XXXX I deposited XXXX to avoid the monthly fee and then withdrew that money soon after ( knowing I would be closing account soon due to too many issues ). Then in XXXX, I also dposited XXXX to avoid monthly fees and like in XXXX, I went to withdraw that money. That is when I was unable to withdraw from the ATM. I then wrote a check unknowing that the account was fully frozen. Thinking the check would clear sooner than the money in the account does, I depoisited another XXXX to be safe and then wrote a check. Both the XXXX check and XXXX check to my daughter, XXXX XXXX were returned and now I am completely locked out of this account with no access to my {$510.00}. I called XXXX and they were not helpful at all. They said someone would call me back and I never received any calls. I need escalation in helping me withdraw my funds at this point.

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 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I am filing a complaint regarding a delayed promotional reward from Coinbase related to their XXXX XXXX prediction challenge. I completed all required actions for the promotion, including successfully completing all XXXX predictions within my account. The expected payout date for rewards was approximately XX/XX/year>. As of today, nearly XXXX months later, I have not received any reward, eligibility confirmation, or explanation. I have made multiple attempts to resolve this issue : * Contacted Coinbase customer support multiple times ( agents stated they have no visibility into promotion status ) * Reached out via social media ( received only generic responses directing me back to support ) * Observed similar reports from other users experiencing delays or lack of payout At no point have I been informed that I am ineligible, nor have I received any communication explaining the delay or providing a timeline. This lack of transparency and inability for support to access or confirm promotion status is concerning. Consumers are being directed between support channels without any resolution. I am requesting : * Confirmation of whether I am eligible for the promotion * A clear explanation for the delay * Immediate issuance of the reward if eligible If I am not eligible, I request a clear and specific explanation as to why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding multiple collection accounts being reported on my credit report that I have formally disputed and requested validation for, but have not been properly verified. The accounts include : National Recovery Agency Original Creditor : XXXX XXXX XXXX {$3600.00} XXXX previously submitted disputes and debt validation requests to these companies. It has now been over 45 days, and I have not received proper validation of these debts. Instead, the accounts continue to be reported on my credit file. The companies have failed to provide competent evidence that I am legally obligated to pay these debts. Specifically, they have not provided : Any signed contract or agreement bearing my signature Full account-level documentation or payment history Proof of assignment or legal ownership of the debt Despite this, they continue to report these accounts to the credit bureaus, which is inaccurate and damaging to my credit profile. I believe these actions violate federal law, including : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) : Failure to validate the debt and continuing collection activity FDCPA 15 U.S.C. 1692e : Misrepresentation of the debt Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation FCRA 15 U.S.C. 1681e ( b ) : Reporting inaccurate or unverifiable information FCRA 15 U.S.C. 1681i ( a ) : Failure to properly investigate disputed information Additionally, at least one account was reinserted on my credit report without proper notification, which may violate FCRA 1681i ( a ) ( 5 ) ( B ). I am requesting the following resolution : Immediate deletion of all listed accounts from my credit report Cease all collection activity on these accounts Written confirmation that these accounts have been removed These companies have had sufficient time to validate the debts and have failed to do so. Continuing to report unverifiable information is harmful and unlawful. If these matters are not resolved, I am prepared to pursue further legal action for willful noncompliance. I request a prompt investigation and resolution of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX my Chime credit builder XXXX card was fraudulently charged {$38.00} from XXXX XXXX I immediately froze the card and contacted Chime and opened a dispute. They cancelled the card and issued a new one. They couldn't give me a provisional credit for the money stolen. They said they had to investigate to find out what happened. I am filing this complaint because Chime is obstructing my right to dispute a fraudulent {$38.00} transaction from XXXX. Their mobile app uploader repeatedly fails with a 'Please try again ' error, their support email ( XXXX ) is deactivated and bounces back, and phone agents have told me to 'stop calling. ' I have evidence ( XXXX order history ) proving the charge is unauthorized, but Chime has made it technologically impossible for me to submit it, violating my rights under Regulation Z. Me personally I think the fraudulent charge was an inside job because I only used the card at XXXX and a few local retailers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
Property Type : Manufactured Home Purchase Date : XX/XX/XXXX Seller : XXXX XXXX Direct Warranty : XXXX Manufacturer Warranty XX/XX/XXXX : I purchased a manufactured home from XXXX XXXX XXXX, which included a XXXX manufacturers warranty covering defects and necessary repairs. Late XXXX / XXXX XX/XX/XXXX ( within XXXX weeks of move-in ) : I began experiencing serious issues with the home, including water heater failure and electrical problems. I contacted the manufacturer immediately to request repairs under the warranty. XX/XX/XXXX : The manufacturer informed me that due to my location, they could not send a technician. I was instructed to hire a licensed electrician myself and was promised reimbursement for the repair costs. I incurred out-of-pocket expenses for these repairs ( estimated : {$1000.00} ). XXXX XXXXXXXX ( Ongoing Issues ) : After the initial repairs, the home continued to experience multiple and recurring defects, including but not limited to electrical concerns, structural issues, and installation-related problems. I made numerous phone calls and sent repeated emails to the manufacturer requesting service under the warranty. Over time, the manufacturer stopped responding entirely and failed to honor the warranty. XXXX ( XXXX XXXX & XXXX ) : Due to improper installation, moisture intrusion developed behind the siding, resulting in mold growth within the structure of the home. This created hazardous living conditions, and my family and I began experiencing health issues consistent with mold exposure. Despite continued attempts to obtain assistance, the manufacturer refused to inspect, repair, or remediate the issue. By XXXX The home had become uninhabitable, with ongoing structural deterioration and environmental hazards. The property was no longer safe for my family to live in. * Voluntary Repossession ( Date : XX/XX/XXXX ) : Due to the unsafe living conditions, financial strain from unreimbursed repairs, and the manufacturers failure to honor the warranty, I had no reasonable alternative but to proceed with a voluntary repossession. This repossession did not result from financial irresponsibility, but rather from : The manufacturers failure to honor a XXXX warranty XXXX to repair critical defects Creation of unsafe and uninhabitable living conditions due to mold and improper installation Lack of response and abandonment of responsibility The repossession is therefore directly tied to breach of warranty and failure to provide a habitable dwelling, not a willful failure to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I am a loyal Bilt XXXX cardholder who paid a {$95.00} annual fee and stood by Bilt through a difficult period. I did not waver. In return, Bilt unilaterally and silently disconnected my autopay without my knowledge, without my consent, and without any notification whatsoever. This autopay disconnection was an independent failure on Bilt 's part to maintain my account as I had configured it. My XXXX 2026 payment processed automatically without issue, confirming autopay was active and working. Then, without explanation, it was gone. As a direct result, I was hit with XXXX interest charges on XXXX XXXX, 2026 : {$17.00} and {$17.00}. I only discovered what happened when I saw those charges. No alert. No email. Nothing. It is shameful that a company entrusted with managing people 's financial accounts would operate this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I contacted the merchant ( XXXX XXXX XXXX XXXX ) on the day of the incident, and they confirmed the cancellation over the phone. I also contacted XXXX multiple times, and they acknowledged I never picked up the car. Despite this, Capital One rejected my dispute XXXX based on false information from the merchant. I am seeking a full refund as no service was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding multiple collection accounts being reported on my credit report that I have formally disputed and requested validation for, but have not been properly verified. The accounts include : Portfolio Recovery Associates Original Creditor : XXXX XXXX {$270.00} XXXX previously submitted disputes and debt validation requests to these companies. It has now been over 45 days, and I have not received proper validation of these debts. Instead, the accounts continue to be reported on my credit file. The companies have failed to provide competent evidence that I am legally obligated to pay these debts. Specifically, they have not provided : Any signed contract or agreement bearing my signature Full account-level documentation or payment history Proof of assignment or legal ownership of the debt Despite this, they continue to report these accounts to the credit bureaus, which is inaccurate and damaging to my credit profile. I believe these actions violate federal law, including : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) : Failure to validate the debt and continuing collection activity FDCPA 15 U.S.C. 1692e : Misrepresentation of the debt Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation FCRA 15 U.S.C. 1681e ( b ) : Reporting inaccurate or unverifiable information FCRA 15 U.S.C. 1681i ( a ) : Failure to properly investigate disputed information Additionally, at least one account was reinserted on my credit report without proper notification, which may violate FCRA 1681i ( a ) ( 5 ) ( B ). I am requesting the following resolution : Immediate deletion of all listed accounts from my credit report Cease all collection activity on these accounts Written confirmation that these accounts have been removed These companies have had sufficient time to validate the debts and have failed to do so. Continuing to report unverifiable information is harmful and unlawful. If these matters are not resolved, I am prepared to pursue further legal action for willful noncompliance. I request a prompt investigation and resolution of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank closed my account for no reason except that I wasnt the right customer, and they suspected fraud, all I did was direct deposit and the first deposit went in and a few days later they closed it and they are holding my money. I live on a fixed income from XXXX XXXX. Ive called and asked if there was any fraud yet and its now been 3 weeks, no fraud. I have never been held up like this in my life. I dont trust banks anymore!!! They could transfer it into my other account. Theyre the worst bank and they are crooks

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 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
the debt was sold by XXXX XXXX XXXX but I did not recongize. and im not using that card long time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint because the company failed to properly investigate and address the core issue raised in my original complaint. The companys response focused only on the promotional terms and expiration date, but completely ignored the fact that my contact information on file was incorrect which directly prevented me from receiving any billing statements or notifications. This account was opened through a third-party dental office, where I was led to believe I was signing up for a XXXX financing option, not a traditional credit card. I did not personally enter or verify my contact information at the time of account setup. I spoke with multiple representatives regarding my account, and at no point did anyone verify my address or email. It was only when I specifically requested the information on file that I discovered both my mailing address and email were incorrect. Because of this, I never received statements, reminders, or notice of the promotional expiration date. The company claims that the promotional details were provided in monthly billing statements ; however, I did not receive those statements due to the incorrect contact information that I did not provide or confirm. Their response failed to address this critical issue and instead placed full responsibility on me, despite the fact that I was not properly notified. I am requesting that the accrued interest be removed as a courtesy adjustment due to the company maintaining inaccurate contact information and failing to ensure proper communication on the account. I am also requesting a proper investigation into how this account was opened with incorrect contact information without my verification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is a follow-up complaint regarding the continued reporting of inaccurate, unverifiable, XXXX outdated information on my consumer credit file by the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ), XXXX ( b ), and XXXX, as well as the Fair Debt Collection Practices Act ( FDCPA ) XXXX, XXXX, XXXX XXXX. Despite prior disputes XXXX my legal right XXXX full disclosure, accurate reporting, and proper reinvestigation, my consumer file continues XXXX reflect false and damaging information, including the inaccurate address XXXX XXXX XXXX # XXXX, XXXX, NY XXXX, along with unverified XXXX disputed accounts reported as late payments, charge-offs, or collections, specifically XXXX ( XXXX ) XXXX XXXX ( XXXX ), DISCOVERCARD ( XXXX ), and PORTFOLIO RECOV ASSOC / PORTFOLIO CAPIT ( XXXX ), none of which have been properly validated, substantiated with competent documentation, or confirmed as belonging XXXX me in accordance with federal reporting standards ; I hereby request immediate reinvestigation of all listed items, deletion of any information that can not be fully verified or legally substantiated, correction of all inaccurate personal identifiers including address data, removal of any accounts reported without lawful proof of ownership, contractual obligation, or accurate payment history, and written confirmation of the results of each investigation, as the continued reporting of these unverifiable and disputed entries constitutes ongoing harm XXXX my credit profile, financial standing, XXXX consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a follow-up complaint regarding the continued reporting of inaccurate, unverifiable, XXXX outdated information on my consumer credit file by the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ), XXXX ( b ), and XXXX, as well as the Fair Debt Collection Practices Act ( FDCPA ) XXXX, XXXX, XXXX XXXX. Despite prior disputes XXXX my legal right XXXX full disclosure, accurate reporting, and proper reinvestigation, my consumer file continues XXXX reflect false and damaging information, including the inaccurate address XXXX XXXX XXXX # XXXX, XXXX, NY XXXX, along with unverified XXXX disputed accounts reported as late payments, charge-offs, or collections, specifically XXXX ( XXXX ) XXXX XXXX ( XXXX ), DISCOVERCARD ( XXXX ), and PORTFOLIO RECOV ASSOC / PORTFOLIO CAPIT ( XXXX ), none of which have been properly validated, substantiated with competent documentation, or confirmed as belonging XXXX me in accordance with federal reporting standards ; I hereby request immediate reinvestigation of all listed items, deletion of any information that can not be fully verified or legally substantiated, correction of all inaccurate personal identifiers including address data, removal of any accounts reported without lawful proof of ownership, contractual obligation, or accurate payment history, and written confirmation of the results of each investigation, as the continued reporting of these unverifiable and disputed entries constitutes ongoing harm XXXX my credit profile, financial standing, XXXX consumer rights under federal law.

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 2026-04-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: TX

Complaint narrative:
I filed for unemployment for a small business I had and received a portion of my payments with my back payments promising to soon follow.Netspend was the company that the government used to process my payments.i was living in a hotel under my name and received my card through the mail.Not long after receiving the card my wallet and i.d.was stolen but my card was still in my hotel room so that was not taken so I was able began to use the card in the beginning but soon after I went to withdrawal funds for rent and was refused access until I could prove my identity.I called the company and gave them the information and passed all the passwords and access questions to gain as access to my funds but was told that I would have to produce another copy of my i.d . to get my funds.I stated that all I had was the front copy of my i.d . and was XXXX and dealing with closures from XXXX and could not produce it to them but asked them if they wouldn't allow my social security card or if they would call my hotel where I produced my i.d . when moving in and they made the copy that I had of my i.d . so could verify who I was and this was denied.Ultimitly I lost all my possession and everything that wAs locked in my hotel because I didn't have the funds to pay my rent.I than became homeless and live next to a dumpster for almost a year trying to get my funds from NetSpend.I was devastated to say the least.I would really appreciate it if you can help me get justice in gaining access to my funds.

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
They called me at XXXXXXXX XXXX I have tried several times to tell this company to stop contacting me however to get past the recorded call I have to enter part of my social security number and I will not do that.

Company response to consumer: Closed with explanation