vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 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: CA

Complaint narrative:
We had a deposit on a cruise and learned that the cruise was now on sale. We called a number we thought was XXXX XXXX line and spoke with XXXX XXXX who pretended to work for the cruise company. He said we could get the lower price, but he would need to cancel the original contract and send a new one with the new price. He needed our card and we were charged {$18000.00}. We have lots of documents from him on XXXX XXXX and also transcriptions of voice mails He never provided us with a cruise and when we started an investigation with the card company, XXXX Bank, they said we were responsible since we gave him our credit card number. We appealed and we were still denied as they can't get in touch with him.

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 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I called Synchrony Bank on XX/XX/year>, to pay my balance in full, which was around {$2600.00}. I was told over the phone that I had a 30-day extension to make the payment in full without interest. Based on that information, I believed I had additional time to pay. I called today, XX/XX/year>, to pay off the balance, but was told that the 30-day promotion ended on the XXXX ( 2 days ago ). Due to this misunderstanding, I was told that I missed the deadline by 2 days and that the entire deferred interest was added to my account, bringing my new total to {$4400.00}. I explained that the deadline of the 30-day entension wasn't clearly articulated and that I was showing good faith in making the payment. I spoke with 3 account managers who did not want to help me or give me the contact information for the Executive Resolutions Team. After being on hold for over an hour, I was only given the Corporate Mailing address and a callback request. The creditor is now charging full retroactive interest for the entire promotional period, which is excessive and disproportionate given the minimal delay and my good faith effort to pay. I am requesting a reasonable adjustment or waiver of the deferred interest.

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 2026-04-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am submitting this complaint against Capital One regarding their failure to properly handle my identity theft claim and their ongoing mishandling of disputed transactions over a period of approximately two years. I reported identity theft to Capital One and provided all requested documentation. Despite this, Capital One has failed to treat this as a unified fraud case and has instead handled each fraudulent transaction as an individual dispute. As a result, I have been forced to repeatedly dispute transactions one at a time over an extended period, rather than having the matter addressed as a single identity theft event. Additionally, Capital One has issued credits for disputed transactions and then later reversed those credits, removing funds from my account again without proper explanation or documentation. This pattern has continued for approximately two years. Capital One has : Failed to properly process and investigate my identity theft claim Improperly treated fraud as isolated disputes rather than a single case Issued credits and then reversed them without justification Refused to provide documentation supporting their decisions Prolonged this matter unreasonably, causing ongoing financial harm These actions appear to violate federal consumer protection requirements for handling fraud and dispute investigations. I am requesting : 1. That this matter be treated as a formal identity theft case, not individual disputes 2. A full investigation of all fraudulent transactions as a single event 3. A complete accounting of all credits issued and later reversed 4. Copies of all documentation used in their determinations 5. Immediate reimbursement of all improperly removed funds 6. Correction of any account impact caused by this situation This has caused significant financial hardship over an extended period. I am requesting regulatory intervention to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I received an email on or around XX/XX/year> from Bilt, claiming that my credit card had been approved. I never applied for a card so assumed this was fraud. I froze my credit w ith the 3 bureaus. I tried to call them, but they don't make it easy. I sent an email to their fraud dept. After a week, I received an email that they were working on it. I followed up, they replied that it was being resolved. This went on for multiple rounds over the course of 2-3 months. They claimed that the account was closed and the hard inquiry on my credit report would be reversed. None of that has occurred. I received a statement with {$95.00} balance last week with due date of XX/XX/XXXX. This is outright fraud and no one at their company cares to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute a charge of {$8000.00} posted on XX/XX/year> on my Bank of America Credit Card account and to request an immediate chargeback. I am the cardholder, XXXX XXXX. I contracted with XXXX XXXX XXXX for credit funding consulting and house renovation services. This transaction was processed through a merchant processor called XXXX on behalf of XXXX XXXX XXXX. Despite full payment, none of the agreed-upon services were ever delivered to me. Grounds for Dispute : 1. Services were never delivered. I paid for credit funding consulting and house renovation services from XXXX XXXX XXXX. Despite my full payment, no credit funding consulting was performed, and no house renovation work was ever started or completed. 2. The merchant has admitted in writing that no services were provided. In an email dated XX/XX/year>, XXXX XXXX, Founder and CEO of XXXX XXXX XXXX, explicitly acknowledged that the services would not be rendered, stated that XXXX XXXX is fully entitled to a refund, confirmed he would not appeal the transaction, and encouraged initiating a chargeback. XXXX. The merchant processor misrepresented the transaction. In a second email dated XX/XX/year>, XXXX XXXX XXXX confirmed that XXXX ( the merchant processor ) falsely notified banks that credit funding consulting and renovation services were delivered without his consent. He stated this constitutes a breach of the Electronic Fund Transfer Act ( EFTA ) and unfair and deceptive practices under the Federal Trade Commission Act ( FTC Act ). 4. The charge is unauthorized. The transaction was processed by XXXX based on false representations made to financial institutions that services had been rendered, which is factually untrue and was made without the merchant & # 39 ; s 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 explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
I am buy a mobile home from Vanderbilt mortgage I know I am behind on my payments and my fianc was trying to get a loan so she pulled her credit report and Vanderbilt Mortgage was reporting to her credit The whole time since I have starting making payments on the mobile home. And they didnt not have permission to pull her credit report I was the only one on the contract. Her name is XXXX XXXX she lives at XXXX XXXX XXXX XXXX XXXX SC XXXX and here phone number is XXXX. I would like this to be reported and they or anyone can contact either one of after 6 on any day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I received a phone call from attorney office saying that I'm getting sued for fraud on a credit card through Capital One. They forced close card I paid it off. Then they reopened account and say I owe XXXX plus for fees on a card account that I was closed. They are sending a appraisal company to my home to appraise the value of home and cars. The card that I have with them is fine but other card account is restricted and I unable to use I need help fighting this suit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
My student loans were transferred from Great Lakes to Nelnet during the XXXX period. I was not properly notified when repayment resumed, and when I attempted to access my account after receiving a delinquency alert, I was unable to log in due to incorrect contact information on file. I only became aware of the delinquency after it was reported to my credit. At that point, I contacted Nelnet and had to correct my account information before gaining access. Because I was not given a fair opportunity to make payments due to lack of notice and account access issues, I am requesting a review of the reported late payments and consideration for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TN

Complaint narrative:
I used the cash appp mobile money app and this company does not have a live customer service representative to handle consumer inquiries. Also there was missing money from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
i opened Venmo account in XXXX and intended to use it to collect payments from survey completion payouts, i was able to create the account and {$6.00} was added from a survey payout, but when i attempted to use/transfer the funds my account was restricted. so i contacted venmo, they removed the restriction but i was still unable to collect the {$6.00} so as time went on, i contacted them again about closing the account, but it was stated that i could not close without the funds, then my telephone number changed and i could no longer longin to my venmo account. now i have no access to my funds nor my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I returned my leased vehicle on XX/XX/2026, and Santander has confirmed in writing that the vehicle was received and processed. On or around XX/XX/2026, I also made a payment of {$750.00} toward the account. In Santanders written response to my prior CFPB complaint, they stated that : The account is Open/Current There are no late payments reported No late fees have been assessed However, despite these statements, Santanders online account system continues to show that my account is past due in the amount of {$1200.00} as of now. This is a direct contradiction. If the account is current and no late payments are being reported, it should not reflect a past-due balance. I have taken the following actions : Returned the vehicle on XX/XX/2026 Submitted a prior CFPB complaint Reviewed Santanders written response Verified that the account still shows past due through their online portal Santander has not corrected the issue, and their reporting remains inconsistent and unclear. This situation is concerning because inaccurate account status information may impact my credit or financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Receivables, Inc.
State: GA

Complaint narrative:
I paid for two months of a gym membership per their policy. I requested to no longer have an active membership verbally with an associate at the XXXX XXXX location. I made it clear I was not coming back and would like to end my membership. I was told my card would not be charged and there was no paperwork to fill out. This was not true and an error on the associate 's behalf. My card was charged and the business refused to work with me or claim any accountability for their error. I let them know I would be doing a charge back and it was successful after an investigation by my bank. They have sent the fraudulent debt to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I was deliberately deceived into sending {$200.00} via Zelle ( Payment ID : XXXX, Confirmation # : XXXX ) to XXXX XXXX for what was represented as genuine sealed XXXX products ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). The seller used legitimate XXXX serial numbers that verified as real on Apples official website to deceive me into believing the products were genuine. Both items were subsequently confirmed as counterfeit by an Apple Store Genius Bar. I filed FTC Report # XXXX and a XXXXXXXX XXXX police report the same day. I contacted XXXX XXXX XXXX XXXX department who refused to reverse the transaction. The seller deliberately used real XXXX serial numbers on counterfeit products specifically to bypass consumer verification this is a sophisticated fraud operation not a simple scam. I am requesting a formal review and reversal of this fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
This complaint is a continuation of prior CFPB complaints ( # XXXX and # XXXX ), which were closed but never actually resolved. We had approximately {$1600.00} in unauthorized XXXX charges between XXXX and XXXX. We reported it at the time and expected our bank to help us understand what happened and resolve it. Instead, we have spent nearly a year trying to get a clear answer, and we still dont have XXXX. We have asked multiple times for a simple explanation of what actually happened to our money- specifically what XXXX XXXX, what PNC credited, what was reversed, and what we are responsible for. No one has ever clearly explained this to us. After months of going back and forth with little progress, we escalated the issue in XXXX. The case was reassigned, and we were told someone would step in and help. Instead, the same thing happened again- long gaps with no response and no real resolution. Then, while the original issue was still unresolved, we experienced a second, separate fraud event totaling {$280.00}. PNC issued a temporary credit and then reversed it, again without giving us a clear explanation. At this point, it feels like weve been stuck in a cycle where no one is actually taking responsibility for resolving our situation. This has taken a huge amount of time and has been extremely stressful, especially during a period where we were dealing with a serious injury and recovery in our household. Weve done everything we were supposed to do, and instead of being helped, weve been left trying to piece this together ourselves. We are not asking for anything unreasonable. We just want to understand what happened to our money and have this handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
Formal Complaint Loss of Trust in Remitly and Failure to Provide Verifiable Proof of Delivery I am filing this complaint due to serious concerns regarding a Remitly transaction and my complete loss of trust in the companys handling of this matter. Remitly claims that my transaction was completed and has provided documentation to my banks ( XXXX and XXXX XXXX ). However, after reviewing all materials, I have determined that these documents are not reliable and do not constitute valid proof that the funds were actually delivered. All documents provided appear to be self-generated by Remitly and originate solely from their internal system. Despite being submitted through XXXX different banks, the information is identical in nature and lacks independent verification. Critically, there is no confirmation from the receiving bank, XXXX XXXXXXXX XXXX ( XXXX ), which is the only institution capable of verifying whether the funds were actually credited to the recipients account. Without confirmation from XXXX, the transaction can not be considered completed. Additionally, the documents contain incomplete and inconsistent information, including missing exchange rate details and non-standard language. These issues raise serious concerns about the reliability and authenticity of the materials provided. Furthermore, I have reason to believe that the recipient involved in this transaction may be associated with fraudulent activity. Due to this, I can not rely on the recipient to confirm whether the funds were received. This makes independent verification from the receiving bank absolutely necessary. Given all of the above, I no longer trust Remitlys statements or documentation. The company has failed to provide clear, verifiable, and independent proof that the transaction was successfully completed. Requested Resolution : - Official confirmation from XXXX XXXXXXXX XXXX ( XXXX ) that the funds were deposited, including verifiable transaction details OR - A full refund of the transaction amount if such proof can not be provided I respectfully request that CFPB investigate this matter and require Remitly to provide legitimate, independently verifiable proof or issue a refund. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation