vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am filing a complaint against Citibank and XXXX regarding an XXXX XXXX credit card account closure and a disputed {$99.00} annual fee. Within my account 's 37-day annual fee refund grace period, I contacted XXXX to cancel the card and prevent the annual fee charge. The XXXX representative informed me that they were legally unable to process my cancellation at that time because the XXXX XXXX portfolio was actively transitioning from XXXX to Citibank ( which occurred on XX/XX/year> ). The representative explicitly instructed me that I would have to wait until I received my physical replacement cards from Citibank in the mail and call back then to finalize the closure. I followed these instructions exactly. Upon receiving the new cards and contacting Citibank, the representative refused to honor the timeline of my original request, stating that it was now past the 37-day window. They insisted I owe the {$99.00} fee despite the fact that corporate transition logistics physically prevented me from canceling in time. I attempted to resolve this in good faith, and Citibank offered a 50 % retention credit conditional on spending {$1000.00} in the next three months, which I refused as I have XXXX intention of using this card. I want this account closed immediately and the {$99.00} fee fully waived/credited, as I exercised my right to cancel within the legal timeframe and was blocked entirely by bank transition procedures.

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 2026-06-08 00:00:00
Product: Credit card — Store credit 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:
Merchandise was bought online with department store credit card. Merchandise was sent in an empty box with signature release package. I signed for the box and received empty box. Charged for XXXX $ and not able to understand big fraud involved. Disputed with department store and department credit card company. Both are saying since I recycled the box and signed for it. I received the merchandise.

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 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I am current, I am at imminent risk of default. On XX/XX/year>, I asked for hardship assistance before missing payments, and the creditor told me I must become delinquent before they will even discuss relief.

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 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: CO

Complaint narrative:
I am filing this formal complaint against InDebted USA , Inc. ( " InDebted '' ) for predatory collections enforcement on a fundamentally illegitimate, disputed balance, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). InDebted has initiated collection actions against me under account number XXXX for an alleged balance of {$52000.00} originally forwarded by XXXX XXXX XXXX XXXX. This underlying balance is entirely fraudulent and wrongful. Over a window of mere minutes, XXXX 's automated systems permitted a catastrophic, anomalous drain of funds from my bank account to an online social casino platform without triggering standard fraud overrides, velocity halts, or multi-factor authentication ( MFA ). A separate, formal CFPB complaint has been filed against XXXX XXXX XXXX XXXX regarding this processing failure and corporate negligence. I have formally notified InDebted that this debt is fully disputed, not owed, and the result of a severe systemic transaction exploit. As an XXXX partner to XXXX platforms like XXXX, InDebted has a legal and regulatory obligation under the FDCPA to cease and desist all collections and halt negative credit reporting until comprehensive validation can be established. Continuing to pursue enforcement or threat of credit harm on a high-velocity balance that clearly represents an automated system exploit constitutes an unfair and abusive collection practice. I demand that InDebted USA, Inc. immediately execute the following remedies : 1. Formally pause all collection activities, automated emails, SMS notifications, and demands for payment on this account. 2. Ensure that no negative tradelines, collection remarks, or derogatory information regarding this disputed balance are furnished to any consumer reporting agency ( XXXX XXXX XXXX or XXXXXXXX ). 3. Coordinate with the original provider, XXXX XXXX XXXX XXXX, to have this defective balance formally recalled and canceled. 4. Confirm in writing to me that the account has been placed into an active, frozen dispute status pending the resolution of the CFPB investigation into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Klarna AB
State: KY

Complaint narrative:
I purchased tickets for a concert through klarna for a XXXX purchase XX/XX/year>. The service was extremely not as described, and I sent a lot of supporting evidence to Klarna detailing this based on news articles, social media postings, and other documentation where I originally tried to contact the vendor XXXX XXXX XXXX ( owned by same company ). Klarna refused to protect me as a consumer and keeps stating that XXXX " no refunds '' policy keeps them from being able to solve this issue. They have now published this on my credit report after multiple attempts to resolve this balance through email and several phone calls. This was even sent to collections and then returned to Klarna because I'm sure the collections agency knew that Klarna was breaking the law and choosing not to protect me once they saw detailed information. I am attempting to get Klarna to remove this debt and stand behind the consumer protection laws they are supposed to uphold. I have disputed with XXXX XXXX ( the venue ), I have disputed with Klarna on multiple occasions, and they refused to work with me and stated this was just " business. '' They have now damaged my credit over a charge that I shouldn't be liable for and have tried to resolve for a lesser amount and just recently sent this account and 5 other collections accounts to hit my credit report through predatory reporting and aggressively trying to ruin my credit over a {$540.00}. I have tried to settle for a lesser amount on multiple occasions and even shown supporting evidence of why I don't owe the original amount. They have refused. This one account caused so many other accounts with them to be overdue. I have already paid TONS and TONS of late fees and interest to clear up these other accounts paying in full and prior to this dispute I paid them ON TIME for years. This has caused a huge issue with especially my credit and I need Klarna to fix this immediately. They have received payments for 5 of the 6 accounts they reported to my credit. I need those removed immediately. I have already cleared up several others account paying them in full and TONS of fees on top of that. I need them to fix this immediately on my credit reports and come to a settlement agreement on the 1 other account I refuse to pay in full, because services were severely not as described and I showed them tons of evidence stating that. XXXX is known for doing this and has been sued several times for this exact issue. I expected klarna to protect me as I was a good customer that always paid on time, but they failed miserably and now they are trying to make permanent damage to my credit over approx {$550.00} which is pathetic for a XXXX dollar company to argue over.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
My direct deposits from the Dept of Treasury to XXXX XXXX in XXXX are still being held by XXXX XXXX I had lost my card and requested another one with them ; however, I never was able to get the card. No matter how hard I tried with them or the Social Security office, I could not get a replacement card. In XXXX of XXXX I finally started getting paper checks ; after a year of not having any income. On XX/XX/XXXX I called XXXX XXXX inquiring about my deposits that I never withdrew. I was transferred to the appropriate department, and they told me to send copy of my id, full name, and case # XXXX to them so the funds could be released to me. I emailed everything requested. The first one was not legible, according to them and neither was the XXXX and the XXXX were not received, according to them. On XX/XX/XXXX after speaking to a representative from the dispute dept, I resent all the information using another email address. I attached the email with the document. A few days later I called again. I was not transferred to the another department. The person who answered the phone said that the money was forwarded to the social security office ; which is not true because I am paid by the Dept. of Treasury. She said the amount I am owed, is {$24000.00}. I checked with social security, just in case. Of course, I was re-directed to the XXXX XXXX. She said she would send me a card, and I was happy, thinking the funds will be on it. I paid {$13.00} to have it expedited. She then proceeded to tell me that the card will have a XXXX balance. She said she could not help me. We spoke on a Friday, she said it should arrive the following Wednesday. It arrived on Friday, XXXX XXXX Next Day. It was not made available to me until Thursday. The card is linked to my account. It lists my deposits up until XX/XX/XXXX. I still got a paper check ; so obviously, that card was for the purpose of loading my payments on to it. Here is my dilemma : XXXX XXXX suddenly can not help me and will not take my calls. They said to take it up with the Dept of Treasury, since they are the ones who deposited the funds. On my las call, I was told that they will not take my calls regarding this issue. They refuse to hear my case number and when I mentioned the exact amount, one representative said that it may be in the {$22000.00}, not {$24000.00}. My cards balance stands at {$13.00} overdraft. I am stumped and do not understand what the change up was with the XXXX XXXX staff. Please investigate this for me and help me get the money I am owed. I have attached a copy of the document I sent to them with the information they requested. My telephone number is XXXX. Thank You XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( Regulation E ). The transfer was induced entirely by a phishing deception and fraudulent bank impersonation, meaning I did not give valid authorization. On XXXX I received a call from a Wells Fargo smart caller ID number saying they were from the fraud department and said there was a suspicious XXXX transfer from my checking account for {$3500.00} and they were going to help me get it refunded. After a long process, they somehow convinced me that I had to simulate a {$3500.00} payment to the thief to complete the refund process. When questioned, they assured me that the account was frozen an locked and that the transaction would not go through but had to be done to continue to get the refund. I did as told and of course it was a scam. I informed Wells Fargo fraud department that I was targeted by a phishing scam, that Wells Fargo failed to protect my account, and that they refused to perform a proper investigation or assist you when you reported it. Wells Fargo said it was not eligible for a fraud claim because I initiated the transfer, Even though I may have physically pressed the button to initiate the XXXX transfer, the Consumer Financial Protection Bureau ( CFPB ) maintains that transfers induced by a scammer impersonating a bank employee or utilizing a high-level phishing trick do not constitute legal authorization by the consume The transaction violates Regulation E because my intent was defrauded by an impostor. Regulation E ( 12 CFR Part 1005 ), which protects consumers against unauthorized electronic fund transfers should apply to my case.

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 2026-06-08 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit report.I have reviewed my credit reports and found that this account is being reported with late payments that I dispute as inaccurate/unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
The Original company sold a Debt without written consent from myself!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
My Apple Card/Goldman Sachs account was closed after a third-party credit repair company accidentally disputed the account. The account was accurate, not fraudulent, and not disputed by me personally. I have contacted Goldman Sachs multiple times but can not get a clear answer about whether the account closure can be reconsidered, whether the dispute notation can be removed, or whether I am eligible to reapply using my existing Apple ID. I am requesting written clarification and correction of any internal or credit-reporting dispute status caused by the erroneous third-party dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was targeted by a fake check scam and accidentally deposited an {$800.00} counterfeit check into my Capital One account. On XX/XX/year>, I proactively called their fraud line to report it and have the money reversed before it bounced. The representative refused to take a fraud report or remove the money. The {$800.00} is sitting completely untouched in my account. I am filing this to protect my banking profile from being penalized for fraud due to the bank 's refusal to assist me. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I applied for and signed up for the XXXX annual membership promotion on XX/XX/year>, before the promotion deadline. I have screenshots showing the offer was active on XX/XX/XXXX and an email confirming I signed up that day using the direct link from an email that was sent that day. Although I paid on XX/XX/XXXX around XXXX XXXX, the membership/payment did not post or activate until XX/XX/XXXX or later, and I was later denied the promotional credit because the posting date was outside the cutoff. I believe I should still qualify because I completed the purchase before the promotion expired, and the delay was due to processing/posting timing outside my control. I already contacted the company by phone and chat, but they refused to correct it. I am requesting a manual review and the promised XXXX credit. This is false advertising and bait and switch. I would not have signed up for this card had I not been eligible for the promotion. The ad states " sign up by '' which I did sign up by the date before it expired. It does not say " payment/transaction must be posted by. ''

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 2026-06-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Hi, I have a checking account with the U.S. Bank which I have been using for at least two years to receive my salary from my employer. Last week I noticed that I haven't recievied my payment and when I called them today they did not provide any information and just mentioned that I will receive a mail soon. They are closing my account without any previous notification or releasing my funds which is very concerining because I have to pay my bills and mortgage. U.S. Bank has not been helpful in providing any information other than " we will send you a mail including those info ''

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