vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I called XXXX XX/XX/year> to non-renew my insurance policies on XX/XX/year>. They canceled the polices on XX/XX/year> and then charged me for the Auto policy, which was paid in full. Essentially, they canceled the policy, sent me a refund and then re-instated the policy and sent me to collections. now they have sent this to collections at Credit Collection Service XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have contacted both companies to rectify to no avail. people should verify debts prior to adding them to your credit report. i also provided the new insurance policy to them and they stated it did not matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marauder Corporation
State: TX

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit file in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Specifically, this collection account does not belong to me. The information provided by the agency is incorrect, as I have no record of this debt. Under 15 U.S.C. 1681i, a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, under 15 U.S.C. 1681s-2, furnishers of information have a duty to provide accurate information. Since this information is verifiably wrong, I am requesting that the collection agency immediately cease reporting this item and delete it from all credit bureaus. Dates of interaction : XXXX Amount in dispute : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was contacted by a man that I later found out was a scammer he claimed that he had informed about someone trying to make a purchase from my account I saw my bank information come on my cellphone and a man also told me that my bank had joined Chime banking and said that I need to download the app this happened on XX/XX/year> at XXXX XXXX I was told to go to XXXX XXXX ad download the chime app and that my money would be safe. XXXX dollars of my checking account was taken I got a text message saying to money to XXXX XXXX and and other requests for money I called Chime on XX/XX/XXXX and reported what had happened and they nothing about it after the investigation that they claimed that the did they know where my money went and to whom it was sent fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In late XXXX XXXX I received an offer of XXXX bonus points if I used my Citi XXXX Mastercard for purchases during the months of XXXX and XX/XX/XXXX and XX/XX/XXXX if I spent {$800.00} or more for eligible purchases in at least one of those months. I called Citi 's customer service to confirm that if I made such a purchase that I would be entitled to bonus points. The CSR did not specify any special conditions. On XX/XX/XXXX I made a purchase totaling {$1900.00} from XXXX XXXX. When I received the statement with that purchase on it, my XXXX points were the standard number without the bonus points. When I contacted Citi, I was informed that retailer was " not registered '' for the bonus points. When I asked how I was supposed to know, especially after verifying earlier, I was rather tersely told that I should have asked XXXX XXXX before making the purchase. I assert that this is a classic " bait and switch '' tactic being used by Citi. If I had known that using this card with this retailer would not entitle me to the bonus offer, I would have used another card I have that pays more in their standard cash back program.

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 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am submitting this complaint regarding a collection attempt made by TSI in connection with my XXXX account ( Account XXXX. XXXX ). On XX/XX/year>, I received a debt collection letter from TSI stating that the account had been placed for collection. However, after contacting XXXX, I was informed that the payment for this account was not due until XX/XX/year>. This means the account was not delinquent at the time the collection letter was sent. Because the account was still within the normal billing period and had not yet reached its due date, the representation that the account was in collection appears to be inaccurate and premature. Reporting or attempting to collect a debt that is not yet delinquent may constitute the furnishing or use of inaccurate information regarding a consumer account. This conduct may violate the Fair Credit Reporting Act ( FCRA ), which requires that companies ensure the accuracy and integrity of information used in connection with consumer credit and debt reporting. Attempting to collect or potentially reporting a debt as delinquent before it is actually due creates inaccurate information about the status of the account. I respectfully request that this matter be investigated and that TSI correct their records to reflect that the account was not delinquent as of XX/XX/year>. I also request confirmation that no inaccurate information has been or will be reported to any consumer reporting agencies regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — VA 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: M&T BANK CORPORATION
State: CO

Complaint narrative:
This complaint concerns the credit reporting of a VA-backed mortgage loan serviced by M & T Bank XXXX XXXX XXXX XXXX XXXX During the COVID-19 pandemic, the loan entered a federally authorized mortgage forbearance under the CARES Act. At the time the accommodation was granted the loan was current. When the forbearance period concluded in late XXXX, I worked with the servicer to resolve the account through available loss-mitigation options. Statements also show that a significant payment was made in XX/XX/XXXX that brought the earlier missed payments current. Despite the loan being in a hardship resolution process, several late payments were reported to the credit bureaus during early XXXX. These late marks appear to have been reported while the account was transitioning from the CARES Act accommodation and while repayment options were being evaluated. The loan was ultimately brought current and later assumed by another party, and the account now reflects a closed status with XXXX balance and responsibility terminated. There was no foreclosure, and the lender did not incur a loss. Under the CARES Act amendment to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ), creditors that grant a COVID-related accommodation must continue reporting the account as current if the borrower was current at the time the accommodation was granted, unless the borrower becomes delinquent outside of the accommodation agreement. Because this mortgage was subject to a federally backed COVID-19 accommodation and was later resolved through assumption, I am requesting a review of the credit reporting for the months surrounding the end of the accommodation period to ensure that the reporting complies with CARES Act requirements and accurately reflects the circumstances of the account.

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I previously disputed several Navient student loan tradelines appearing on my credit report. The credit reporting agencies responded that the information was verified after contacting the furnisher. However, the responses provided did not include a meaningful explanation of the method used to verify the information or the documentation relied upon to confirm the accuracy of the reporting. Additionally, the Navient accounts appear to be reported inconsistently across the credit bureaus. The number and status of these tradelines are not consistent between the bureaus, which raises concerns regarding the accuracy and completeness of the reporting. Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Simply stating that the furnisher verified the information does not explain how the accounts were verified, what records were reviewed, or how the information was matched to my credit file. Because these accounts appear to be part of the same Navient portfolio and are reported differently across the credit bureaus, I am requesting that the credit reporting agencies provide a clear description of the procedure used to determine the accuracy of these tradelines. If the information can not be verified with competent documentation and complete reporting data, the tradelines should be corrected or removed. Supporting documentation has been attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: VA

Complaint narrative:
My Account at the XXXX was hacked, I was unable to access my account. I sent multiple emails to XXXX and requested to fix my account access of cancel my account and refund my money. XXXX never replied to my requests. I reached out to Citibank and spoke to the customer service agent, he promised that after he removes the online charge validation XXXX will not be able to charge my account. However, I see the charges appear again on my account from the last two months and Citibank is not cooperating. Please fine citibank as much as possible and XXXX also. Regards

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 2026-03-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NV

Complaint narrative:
My money was stolen by the card company. I had money deposited for personal reasons and the card company did an automatic repayment for a loan that I didnt authorize to be paid for yet. And they committed theft. I demanded a refund but instead all I got was them transferring me to 7 different people and nothing getting resolved. I am contacting the authorities about this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened a Truist account with XXXX dollars and a couple days later the account was denied from being opened and they refuse to send me my check and its been two months the account was opened in the first week of 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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied for a Citi XXXX XXXX. Citibank took my application and performed a hard inquiry, but did not send me any confirmation by email, phone, or mail. I called them out of my own initiative about 15 days later to see what was going on. They told me over the phone that there was " insufficient information ''. I asked what information they needed and I was forwarded to another department, whereupon pickup up the phone, they told me that my application had been denied because they " couldn't verify my information. '' I received a letter, the ONLY letter from Citi in this entire process, on XX/XX/XXXX, saying that it was denied because they couldn't verify information. It is attached to this submission. They told me to reapply, but I don't want another hard inquiry so quickly on my credit report, and Citi auto-denies ALL credit card applications with recent hard inquiries anyway. I have no idea 1. Why I was denied 2. What information is unverifiable 3. How I can apply in a way that gets me approved 4. Whether this can be overturned and the application approved. I am getting extremely cagey responses from multiple reps and supervisors at different phone numbers with Citibank, and getting conflicting information from several of them.

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 2026-03-10 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: EdFinancial Services
State: NJ

Complaint narrative:
Two of my loans from Ed financial ( loans 1 and 6 ) are caught up on payments until the next due date ( XX/XX/XXXX ). I received a letter in the mail saying these 2 loans have 0 payments made and are about to go into collections. My account on the website also reflected this despite being caught up. I have proof that the loans are caught up and that the full payments were taken from my bank account. The full payment I made of {$160.00} was also changed on Ed financials website to say I only paid {$75.00} to different loans ( loans 4 and 10 ) while my bank statement shows they took the full payment of {$160.00}, as well as every other payment I made before this. I never received any refunds or anything ; every payment I made was received by ed financial. When I called to ask when this issue would be fixed they told me the loans were 400+ days past due, despite the fact that I have proof they are not. When I pointed this out they told me theyd call me back and they never did. Ed financials website continues to say 0 payments have been made to loans 1 and 6 and I am continuing to get late payment penalties despite the fact that the loans are up to date. They also put these late payments on my credit report and it is negatively impacting my credit score when it is a fault on their end and my payments are caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America has of yet responded to unauthorized transactions between the two branches XXXX XXXX and unauthorized transfer at the XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/2026, I sent a {$1000.00} payment using XXXX through my SoFi checking account as a deposit for sod delivery and installation services from a company identifying itself as XXXX XXXX XXXX. The individual representing the company provided a professional invoice for the work and communicated extensively with me by text message and voice recordings regarding the project. The individual also coordinated contact with a third party to measure my lawn in preparation for the sod installation, which reinforced the legitimacy of the transaction. Based on these representations, I authorized the {$1000.00} XXXX payment to the recipient listed as XXXX. After the payment was sent, the individual stopped responding to communications and the promised materials and services were never delivered. It became clear that the business representation was fraudulent and that the payment was obtained through misrepresentation and deception. I promptly filed a fraud claim with SoFi Bank. I provided documentation including the invoice from the alleged company, screenshots of text communications, voice messages from the individual posing as the contractor, and evidence showing that the contractor arranged for someone to measure my lawn. Despite this evidence demonstrating that the transaction was induced through fraud, SoFi denied my claim and stated that XXXX transactions are considered authorized cash transactions and therefore can not be refunded. This situation involves a contractor impersonation scam in which a fraudulent business identity, invoice, and coordinated communications were used to induce payment. This was not a legitimate purchase dispute or buyers remorse. The payment was authorized only because of deliberate misrepresentation by the scammer. I am requesting that SoFi Bank conduct a proper review of this fraud claim, including evaluation of the documentation demonstrating that the payment resulted from a scam, and reconsider reimbursement of the {$1000.00} that was fraudulently obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AL

Complaint narrative:
I am filing a complaint against Chime Financial regarding an unauthorized electronic fund transfer that occurred on my account. On XXXX XXXX, my cellphone was taken from my hands by my former boyfriend while my device was unlocked. Without my permission, he assessed my chime banking application and transferred {$3700.00} from my account to his XXXX XXXX Account. This transaction was completed without my knowledge or authorization. I reported the incident to law enforcement and filed a police report immediately. I also notified Chime and filed a fraud dispute and the card was locked at the time of the transfer. However, Chime denied my claim and refused to return the stolen funds. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005 ), financial institutions are required to investigate unauthorized transfers and reimburse consumers when the transfer was not authorized by the account holder. The transfer in question was clearly initiated by a third party who did not have permission to access my account. Chime 's refusal to reimburse the stolen funds appear to violate federal consumer protection laws governing electronic fund transfers. I am requesting that the CFPB investigate this matter and require Chime to reimburse the unauthorized transfer of {$3700.00} Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
A credit card dispute was finally settled in my favor with Apple/Goldman Sachs after 3 attempts and XXXX months in the amount of {$1800.00}. This was cfpb complaint ID XXXX.. Upon this resolution I had a new balance on {$18.00} as a result of the repayment of my Apple reward on 1 % from the disputed amount. The issue is I never received the 1 % reward as the dispute was in progress. I worked with an on line representative and opened a Billing Error Inquiry as he also could not find record that I received the 1 % reward. Today the report was completed and found to be correct and I still owed {$18.00}. I give up! I paid the amount and closed my card account! DONE with Apple and Goldman Sachs! I've spent a few hours of time chasing this mess and not being one easy to give in to XXXX systems wave the whit flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a Applied for an Capital One Savor Card through my XXXX Credit reporting app. I was denied and received a letter stating it was due to a Prior account I had. I currently do not owe Capital One. My last account that was last listed was cleared due to Identity theft. I called and talked to customer service and was transferred 8 times. Finally someone was able to verify that I do qualify and my account history is in good standings. Problem is I keep getting flagged each time I apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: OH

Complaint narrative:
At some point during XXXX, my student loans were removed from deferment status, and the servicer of these loans was also transferred. CRI became the effective servicer of the loans on a date that has not been clarified to me, however the notification was sent to an address I was no longer residing at, and an email account that has been active for 10+ years, both of these statements were confirmed on a call on XX/XX/XXXX. Due to the failure of proper notice, I have been unable, and frankly confused about how to pay my student loans as my XXXX account was no longer active. Upon investigation into my credit report it became clear to me CRI was now the servicer to which I was not aware, and they were also reporting multiple late payments across every loans for various months, effectively tumbling my personal XXXX XXXX XXXX points, making obtaining financing, credit, and even residence difficult or impossible to obtain.

Company response to consumer: Closed with explanation